davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a Bank of America XXXX Alaska XXXX credit card that I took into the XXXX XXXX XXXX, XXXX, Florida branch office. I explained to them that I did not to my knowledge of knowing apply for this card. Especially not one regarding Alaska because I am not a fan of severely cold weather. They saw that the card had not been used and I asked that the account be closed. I think this starting back in XXXX of XXXX. In XXXX of XXXX, I received a Plan statement stating that I had a fee charge of {$75.00}. I went back into the local XXXX XXXX XXXX XXXX, Florida branch and explained that to my knowledge of knowing I did not apply for this credit card as well as requested that this account be closed. I was informed that I may be responsible to pay the {$75.00} dollars if it was determined that I applied for the card. I decided to pay the {$75.00} dollars ( XXXX ) to avoid any derogatory information affecting my credit. I made that payment in their office. Then, I was put in touch with the Fraud Department. First, I spoke with someone name XXXX at XXXX. Then transferred I was transferred to someone name XXXX who was a rep with the fraud unit. He said that this card was applied for from my email address. I honestly do not recall applying for this card. I do travel when I can but Alaska is not a place I would attempt to go to let along get a credit card. I explained as well as the bank could see that no charges had been placed on the card simply because I try my best not to use credit cards. Additionally, I had asked them to close the card, I believe twice. The fraud department said that they would investigate this and. After checking my credit recently, I discovered that this account is still opened. Plus on XX/XX/XXXX I received another statement saying that my anniversary in XXXX is coming up and I will need to pay not XXXX dollars this time but {$95.00} dollars annual fee. I asked Bank of America several times to close this account in person and serval times by phone. To this date which is about a year if not longer and the account is not closed. This seems like a scam to me. How many other people are they ripping off like this? Please help me get Bank of America to close this account. They are causing my credit rating to decline. I value my credit. If you check my credit history, you will see that I do not have any credit cards. Thank you
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Please see attached files I have reported numerous accounts on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have attached a letter regarding my request. Please either verify these accounts, or, if it can not verified, remove these accounts from my credit report as by my right afforded to me under the FCRA.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax has not adequately investigated inaccurate information on my credit report. XXXX XXXX and XXXX XXXX XXXX have both reported inaccurate information that has been disputed by Mr. XXXX and his attorney, XXXX XXXX. 

The XXXX dispute has risen from XXXX 's illegal inflation of Mr. XXXX 's bill. Mr. XXXX has no contractual obligation to XXXX. Mr. XXXX has repeatedly notified Equifax that XXXX 's reporting is inaccurate. In their invesigation, XXXX presents their allegations in the form a XXXX generated bill. XXXX has yet to present a contract or any obligaition in writing or with Mr. XXXX 's signature. Equifax has failed to execute due diligence and appropriate investigation into this matter. 

Additionally, Equifax continues to report a paid item from XXXX XXXX XXXX XXXX XXXX XXXX that has both an inaccurate date of first delinquency and status. Mr. XXXX has notified both XXXX and Equifax of the inaccuracy but Equifax continues to report. 

These actions have slandered Mr. XXXX 's good name by causing his credit rating to decrease. Even after notifications, Equifax continues to report these inaccuracies. 

Mr. XXXX demands that Equifax remove the inaccurate items and immediately pay the full sum of {$30000.00} restitution for slandering his good name, failure to accurately investigate credit items, and other damages.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

I DO NOT owe any debt. I have called Radius Global Solutions at least 2 DOZEN times. They have acknowledged it is a wrong number and still keep calling me. I I want it STOPPED. They call every day, 2 to 3 times per day. I'm NOT the person they are looking for. They are abusing my phone and my time.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am filing this report because I was made aware of two accounts on my credit report that are not mine. The only reason I was even checking my credit report is because my son asked me if I could co-sign for him to lease a car and I wanted to make sure I would be approved. The accounts that do not belong to me are from a company called XXXX Card. I don't even know what these accounts are for but I did not open them and I did not authorize anyone else to open them in my name. I never contributed to any payments that might have been made towards these accounts nor did I gain any type of benefits such as money, goods, services or anything else as a result of these accounts being open in my name.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WA)

XX/XX/XXXX - {$570.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt. 
XX/XX/XXXX - {$2200.00} - Disputed, no validation letter, was never given account to dispute, don't recognize this debt.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MO)

Lexis Nexis is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. 
The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer reports and Data Privacy Act. 
As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I disputed the account XXXX ( XXXX XXXX ) {$720.00} with Experian and XXXX and the incorrect information is still there. I do not know who ( XXXX XXXX ) is. I have never signed an agreement with ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( {$460.00} ) with Experian and XXXX  and the incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX with Experian and XXXX and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I mailed out letters to Equifax, XXXX  and XXXX  on XX/XX/2021 about HIPPA Law Violation reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX  also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts for the HIPPA Violation and the bankruptcy after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.
Consumer complaint received 2021-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

PENFED CREDIT UNION XXXX APLICATION # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : After reviewing closely my credit and my income I found no reason to be denied for this loan I have excellent credit history and have never pay anything late, my house, my car payoff is pay off and I was denied. 
The only conclusion is that you are discrimination against me and my age. 
I WILL TAKE THIS TO THE FULL EXTEND It is impossible given my credit history to be denied and your reasoning of RATIO OF BALANCE AND OTHERS JUST NOT MAKE SENSE I WILL PLACE A COMPLAIN TO all authority that deal with your behavior. 
Consumer Financial Protection Bureau, XXXX XXXX XXXX, Federal Trade Commission, State Attorneys
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-07-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Acra Intermediate Holdings, LLC ()

I am an XXXX resident and I hold a mortgage with Citadel Servicing for a vacation property in XXXX XXXX XXXX. I have held this loan for almost 4 years. I always pay my payments on time and without issue. However, this becomes very difficult when the lender does not provide sufficient notice of the intent to alter mortgage payments. 

I received notification on XXXX XX/XX/2020 of the intent to increase my repayments with effect from XXXX XX/XX/2020 as a result of an increase to the escrow. I note that the letter confirming the increase was dated XXXX XX/XX/2020. 

Our postal address is an XXXX address. 

My complaint relates to three matters : 1. We are not able to increase our mortgage payments on XXXX XX/XX/2020 if we are not advised until after this date. I am concerned that this will impact my credit rating and that I will be charged a late fee. 

2. The justification for the increase in escrow in unclear. Please provide further explanation as to the reason for a {$120.00} per month increase. 

3. Our escrow costs increased last year, resulting in the same poor customer experience in lack of adequate notice. I was advised at the time that this matter had been escalated and would not be encountered again. Citadel is not providing adequate notice and this needs to be addressed. 

I contacted Citadel on XXXX XXXX, the day I received the notification asking for them to contact me as a matter of urgency and to treat my contact as a complaint. 

To date, I have not received a reply. The only contact I have received is an email from an unmonitored email account advising that my mortgage payment had not been received ( which it has, it is just less than value of the increase rate effective XXXX XXXX ). 

I am seeking your assistance in order to address a systemic issue with this organization and to improve the communication methods they employ.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation (KY)

Im not aware of where the debt came from, but I paid it off just to get it removed from my credit report, and theres been several changes made to the account but never Been removed like it was supposed to be. The dates arent even the same on one report
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

In accordance with the fair credit reporting act this creditor JPMCB CARD has violated my rights in 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (MO)

I received a letter in the about refinancing my XXXX XXXX truck, purchased in XXXX. The company was Autopay, I applied on line XX/XX/XXXX, on XX/XX/XXXX I was denied. My credit scores were in the XXXX. On XX/XX/XXXX I received an email to reapply, I did and was approved on XX/XX/XXXX. I filled out paperwork on line, I had papers noterized and sent XXXX. I was given all the information on a new loan rate, company and dates for new payment. They continue to have me send documents, some duplicate, last being more check stub copies and W2 form on XX/XX/XXXX. Since I've emailed, texted and called the company. They stated my loan was approved and someone would call but nothing since XX/XX/XXXX the. My loan XXXX was XXXX XXXX. The XXXX who was supposed to contact me, was XXXX not sure of that name. I last contacted them XXXX. I have all the emails and texts sent
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

In XX/XX/2020 around the XXXX, at XXXX XXXX, the Bank of America allowed XXXX To be taken from my account to a person who had stolen my identification card and all other personal information, and the teller allowed this person whom was not me to walk out the front doors. This man managed to convince the teller, in person that he was I, XXXX XXXX XXXX. They will not hold themselves accountable and they wont help me and treat me like Im lying when its obvious that they have camera and they say that I look like the same person that took the money but thats a given, theyd have to somewhat look like me if they got away with using my identification card and pin and thats their support for allowing everything I had taken from me in 10 minutes. Its been months snd I dont believe almost 9 months and stoll no support or help or care. Instead they closed my account and I cant believe they are getting away with allowing me to become a fraud victim due to their mishap. ImXXXX is to much money to be without and have stolen from you with no alerts or notifications. They let someone take my money. The masks do cover us up I get it but This should have never happened
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I saw on my credit report that portfolio recovery had 3 collections and I went over my report and also the information they were providing and nothing matched to me at all.. the address was not any address ive lived in.. the name was incorrect..email and job along with other items.. I disputed the information with the credit report only to have them say it was accurate and thats just not humanly possible. I asked for my signature on anything bearing this is my account along with other items and they could not provide anything and all they did was update their profile after my dispute ... I know my rights as a consumer and will be looking for litigation if this is not successful as I have plenty of evidence to show this is not mine! My rights as a consumer state they must prove 100 % the account is mine and there is no way that was possible so im taking this route and hiring a lawyer next if need be.. thank you for reviewing this!
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (NC)

Got letter from FBCS that was dated XX/XX/21 stating I owed {$290.00} to XXXX XXXX. 
I called my dentist and they said I have no account balance with them. 
I called FBCS and tod them I spoke with the creditor listed on the letter and I have no balance and all she said was ok and did I wan na make arrangements to pay? 
This is lowering my credit score for a debt I don't have or owe.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (TX)

My old AAFES military star account was closed in late XXXXearly XXXX. It recently was updated on my credit reports saying it closed in XXXX and that I had late payments in XXXX and XXXX. 

I could not have had any late payments those years as the account was closed many years ago. I want this error corrected on my report and the account years and payment dates updated with accurate dates reflecting closure in XXXX.