davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On `XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts. Before they were closed, I had a significant amount of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on this.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (MI)

Collection account was added to my credit report, I have repeatedly tried to get information about this account only to be told it was bought by a collection agency. I have never had any business transactions with this company. Please verify
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (GA)

I received a statement from McCarthy, Burgess & Wolf in XXXX of XXXX stating I owed for a quarterly pest service from a company for XXXX. I paid the amount due shown on that statement directly to the pest control company on XXXX, XXXX XXXX. Then, in on XX/XX/XXXX I received a phone call from McCarthy, Burgess & Wolf stating I owed {$89.00}. I explained to them that I had already paid this amount directly to the pest control company and informed them that the statement they sent in XX/XX/XXXX stated I owed the amount paid. That is when they proceeded to tell me I still owed more money and that just because the statement in XX/XX/XXXX showed that amount, that doesn't mean that's all I owed on the debt. I then requested tha they send me proof that I owed this amount. I received a letter on XX/XX/XXXX from McCarthy, Burgess & Wolf stating that the pest control company charged me for quarterly service that would have been for XXXX. I emailed customer service at McCarthy , Burgess & Wolf on XX/XX/XXXX and explained my account was cancelled with XXXX XXXX XXXX in XXXX of XXXX and that I do not owe for the additional quarterly service. I received no response. I then followed up again on XX/XX/XXXX requesting an update to no avail. Then today, on XX/XX/XXXX, I receive another call from McCarthy, Burgess & Wolf, the same representative, arguing with me stating I owe for this service and I have on choice but to pay. I explained to him several times that what they were trying to charge me for was quarterly service. I only received service in XXXX of XXXX. 
I explained I had no problem paying {$29.00} for XXXX, but I was not paying for XXXX and XXXX due to not receiving service. He then proceeded to tell me I had no choice and it was my fault that services were cancelled due to non payment and that I at least owe the company that much. At that point, I ended the call and send another dispute to another email address given to me by the representative who stated early on in the call today that they never received my dispute. They still have not responded to my dispute in writing.
Consumer complaint received 2023-02-07
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (TN)

I have directed XXXX to include a statement of dispute on my credit report twice, in writing, but they have refused to do so. They are now saying that there is not enough information to complete my request, but they are clearly just placing roadblocks in my path to prevent me from communicating directly with potential lenders about XXXX 's false claim that I have " insufficient credit history, '' when I have over 30 years of positive credit history. As a XXXX Military Veteran, I am incensed that XXXX is deliberately interfering with my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I had received a letter in the mail from a collection agency ( National Credit Systems , Inc ) stating that I have a balance of {$990.00} from an apartment complex we were once residents at. The complex is called The XXXX XXXX  ( XXXX XXXX XXXX ). The letter stated that we owed money due to property damage. I called the collection agency outraged trying to find out why we were billed for such a large amount. And why werent we notified about the balance before or around the time of our move out. National Credit Systems told me that they didnt have the answers to that, but that they were the XXXX to collect the money. I tried to dispute it with them, but I was just given the run around.

Now the reason that Im making such a big deal about this situation is because around XX/XX/XXXX, around XXXX, I had casually bumped into one of the front office employees of The XXXX XXXX  ( At the XXXX that I work at. It was around the time I was getting off ). Who informed me that after we had moved out, XX/XX/2016, a family of possums had moved in the vacant apartment and in the employees words Tore up everything, they tore up the carpets, the floors, and even the walls. The employee also went on to tell me that they were having a hard time renting out the apartment because of the rodent problem. Saying that the carpet needed to be replaced and other things in the apartment due to the damage the possums caused. The collections agency asked for the walk through paper. But I didnt have the final walk through because on the day we moved out the property XXXX XXXX XXXX XXXX was not in. The XXXX XXXX told us that because she wasnt in they would call us to go back for the final walk through. But we never received an email or a call. In addition to the miss call for the walk through, we never received a call after we moved out informing us that there was property damage. I never received a call or an email about a {$990.00} dollar fee that needed to be paid. All we got was a letter 3 months later, from a collections agency stating that I owed a balance for an outrageous balance. 

I feel that we have been treated unfairly in the situation. Please help us any way possible, it would be greatly appreciated. 

We eventually came to a agreement and I paid a payoff amount national Credit System were willing to accept but it is still showing up negligent on my credit and they letter XXXX XXXX sent me has a false amount, making it seem as though we didn't make a payoff payment.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Whom It May Concern : Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} No. of Months ( terms ) : - - High Credit : {$1000.00} {$1000.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX thank you
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Under Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ), information that is incorrect or misleading must be corrected or removed upon investigation. Below is the following. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX Account number : XXXX I looked at my Experian credit report and noticed some things are incomplete and not accurate. According to the fair credit consumer reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ).

According to 15 USC 1681i5 they are suppose to do this ( 5 ) treatments of inaccurate or unverifiable information ( A ) In general after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to not furnish any information relation to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-02-07
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section
States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit reporting and XXXX  account XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 602 A SECTION 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-07
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX  XXXX Balance : {$46.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX : {$1800.00}
Consumer complaint received 2015-09-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Hi. I purchased a new XXXX from a dealer on XXXX XXXX, XXXX. It was 72 month 0 % loan. First payment was due XXXX XXXX, 2015. I had also purchased an extended warranty on the car for {$1500.00}. Several weeks after the purchase I decided to cancel the warranty. The {$1500.00} was credited to my account on XXXX XXXX and my first payment was too. Since I am retired and on a fixed income ( SSN ) I wanted to lower my payment. XXXX says it can not alter the contract and can not change the payment, only shorten the time the loan is paid off. Is n't that altering the contract? It seems to me that they are altering the contract to meet their needs, not mine. I would like the new amount amortized over the remaining 71 months ( term of the contract is 72 months ). Anything you can do would be greatly appreciated ... sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Consumer complaint received 2020-05-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a XXXX balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX