davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to you regarding Bank Of America Credit Card Account ending in XXXX. 
This account was delinquent, and I hired a debt settlement company that worked to settle multiple accounts on my behalf, including XXXX credit cards from Bank of America. The debt settlement company, XXXX XXXX XXXX, reached a settlement for this account for {$660.00} to satisfy the original account balance of {$1100.00} Payments of {$220.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling the {$660.00} to settle the account. Attached are letters I received from B of A regarding the agreement to settle, as well as proof payments that were successfully made to B of A from the bank account of XXXX XXXX XXXX ( account ending XXXX ). These payments cleared successfully per the settlement agreement, but the payments were never marked as paid by B of A because this account is still listed on my credit report as past due as recently as XXXX XXXX  XXXX. I called B of A customer service myself on XX/XX/XXXX, and they stated that the agreement was considered broken as of XX/XX/XXXX due to nonpayment, which is incorrect as the entire {$660.00} was paid as agreed on the dates above. I reached out to XXXX XXXX XXXX  who handled my settlement and made payments on my behalf, and their case manager XXXX XXXX contacted BofA on my behalf ; B of A admitted by phone to misapplying the payments for this settlement to a different credit card account, but still refuse to mark this account as paid and settled, and so it still on my credit report to this day even though it was paid off in XXXX. This is still causing me financial hardship to this day, as it is negatively affecting my credit and causing undue problems when I have settled and paid all my debts according to agreement. I am asking B of A to honor the payments that were made per this agreement, and mark this account as settled as of XXXX when payments were made to them, so it can be removed from my credit report as delinquent.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (OH)

I continue to get calls from debt collectors and fake lawyers offices saying the debt is now in their hands. They keep saying they are going to serve me with papers and garnish my wages but never send me anything or serve me. They are going to put a lien on my property if I don't pay. I have told them to send me papers so I can see what it is cause I did not take out a loan or line of credit with these creditors ever. They say it was from 2010 with Citibank and XXXX. They want me to make a payment then they will send me the paperwork to sign. They have now started to call my family members. It happens every few months. When I asked them to not contact my family they told me they can contact whoever they want. They get very XXXX when I start questioning them. They say I owe {$8000.00} but will take {$2000.00} as a down payment. The numbers they call from are disconnected a few days or weeks after. The number they called from today was XXXX and asked me to call XXXX.
Consumer complaint received 2020-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I been trying to get insurance on my vehicles for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

US DEP ED XXXX {$5700.00} XXXX  XXXX {$14000.00} XXXX XXXX   XXXX {$240.00} XXXX/XXXX  XXXX {$640.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$130.00} XXXX  XXXX   XXXX {$160.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$640.00} XXXX  XXXX {$170.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$640.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

Recently I was scammed by a job opportunity and I was sent to checks one of them was returned for the amount of {$2000.00} the 2nd was for {$4000.00} which both checks I had deposited.The 2nd check was initially on hold when I spoke to someone named XXXX, she told me that by a certain date of it didn't come back that it would have went through. Then later I called the bank to see the status of the check. I spoke to XXXX from risk management and she explained to me that eventually it would get flagged and that she was holding it indefinitely for that reason. I had asked previously if I should contact the bank and I was told not to so I didn't. They did not clearly convey their responsibilities in regard to my account but rather to a third -party non-affiliate.The check went through initially, she placed it on hold for a 3 more weeks. I checked my account again and the check had went through and was in my account. I attempted to transfer money from checking to savings to clear my account balance when I was stopped and prevented from doing so. Security Service XXXX has done little to nothing in helping find a solution to my account. After the check has already been held for a prolonged amount of time. XXXX deliberately contacted the bank on the check and disclosed my personal account information in order to prevent the funds that were already in my account 2  times from being accessed with the sole purpose of denying access to funds in my account. The other bank was responsible for their accounts, XXXX disregarded my situation and my privacy.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXXXXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

2. Late Payments XXXX XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

3. Late Payment XXXX XXXX XXXX  XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

4. Late payment XXXX XXXX  XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

5 .Inconsistent open dates Throughout credit reports Not consistent among the three.

6. Inconsistent payment date Throughout credit reports Not consistent among the three.

7. Inquiries done by XXXX, XXXXXXXX XXXX XXXX which I do not recognize.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Account was paid in full, the debt collections agency was forwarded proof but is still reporting inaccurate amount and debt that was paid. I forwarded all documentation and the basically called me a liar
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (FL)

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 : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2020-05-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

BOTH XXXX  AND EXPERIAN HAVE ALLOWED 2 COLLECTION AGENCIES TO VIOLATE THE FAIR DEBT COLLECTION ACT. THEY ACTUALLY REMOVED THE DEROGATORY COLLECTION ACCTS THEN ALLOWED ANOTHER COLLECTION AGENCY TO ADD THE SAME ACCT BUT DIFFERENT AMTS BACK. I HAVE PROVIDED PROOF THAT THESE AGENCIES NEVER ADVISED ME THIS DEBT WAS OWED TO EITHER PARTY AND IGNORED MY LETTERS TO VALIDATE DEBT WITHIN 5 DAYS OF RECEIVING IT. I HAVE WRITTEN 4 CORRESPONDENCES TO BOTH CREDIT BUREAUS SINCE XX/XX/XXXX AND IT STILL HAS NOT BEEN RECTIFIED. BOTH XXXX  AND XXXX XXXX XXXX/XXXX XXXX HAVE VIOLATED FEDERAL LAWS IN PLACE TO PROTECT ME. I WAS NOT EVEN AWARE XXXX XXXX WENT BY XXXX XXXX XXXX. THESE ACCTS CONTRACTS WERE CANCELLED BY XXXX AND XXXX XXXX XXXX AND TERMS OF THESE WERE NULL AND VOID. XXXX  HAS REMOVED THESE BUT I STILL CONTINUE TO DISPUTE THESE ACCTS WITH EXPERIAN AND XXXX  SINCE XX/XX/XXXX & XX/XX/XXXX AND WERE AT ONE POINT REMOVED AND ADDED BACK THIS YEAR. I WOULD LIKE AN OFFICIAL INVESTIGATION CONDUCTED INTO EXPERIAN AND AND XXXX  DISPUTE INVESTIGATION PROCESS & PROCEDURES. PLEASE. THESE SHOULD NOT HAVE BEEN ALLOWED TO BE ADDED AFTER THIS DURATION AND AFTER THEY NEVER VALIDATED THE DEBT, NOR ARE THEY THE ORIGINAL CREDITOR
Consumer complaint received 2022-07-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, account ID # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Convergent Resources, Inc. (NM)

I switched cell phone carriers from XXXX to XXXX XXXX XXXX and prior to switching I was to pay my balance in fill in which I did. After being with XXXX XXXX XXXX I went to finance a phone through their sales department when when doing so they showed I have a balance with XXXX, Ive attended to contact XXXX multiple and I am told they can not help me because on their side it does not show an outstanding balance. Im at the end with dealing with these people and have gotten nowhere. 

On my credit report it shows in collections a total of {$850.00} for ( convergent outsourcing )
Consumer complaint received 2023-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc. (NJ)

I live in XXXX  ... .im employed at about XXXX a year... ..It 's NOT my fault our country doesn't offer affordable HEALTH insurance ... ..To pay the amount owed and FURTHER bills coming is not in my capacity. The best i could do is {$100.00} a month... .NO MORE .....
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase XXXX account to this fraudulent investment company.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CA)

Today is XX/XX/22 and over the last few weeks I have been attempting to close my account with Barclays. I had a credit card with XXXX XXXX. I was notified many times that Barclays would be taking over. I was not told that my current credit card would stop working one day and that days later I should expect to find a new card in the mail. Also during that time I could not access my account to make payments ; the new card information was required to access my account. I called several times trying to get the new card mailed to me again because I never got one in the first place and this process took several hours over days. The customer service could not help. I was switched to different people to talk with constantly. I was even given a manager number to contact that was actually the fraud line. The customer service reps gave me attitude and no help at all. Today I finally think I closed and paid off my account. I asked to make a formal complaint and I was yet again put on hold and after five minutes or so was disconnected. I feel powerless to Barclays. I still can not access my account to verify that my account has been paid off. I just have to trust that the horrible customer service reps actually did this for me as well as closed it. I cant make complaints with them or get any help. Im just put on hold for hours. I have a job! This is not fair or ethical, and I believe Barclays needs to be held accountable.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (LA)

My unemployment is direct deposited to my American Express Bluebird account. I went to check my balance last night ( XX/XX/2020 ) and couldn't login. I then called the number on the back of the card ; the pre-recording in turn says an email has been sent to the email address on file. I check my email to find that Bluebird has permanently suspended my account. I had no warning or anything. The problem now is where did my unemployment money go and the money I still had in my account. I am furious! I've since changed my unemployment direct deposit on XX/XX/2020 but it wont take affect for a couple of weeks. So I am now losing my only means of survival. Please help me get my money back.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (GA)

ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Furthermore, XXXX  XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.
Consumer complaint received 2022-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.