davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this BK OF AMER and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. BK OF AMER XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Consumer complaint received 2022-12-10
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. (SC)

Equifax did not complete an investigation on XXXX XXXX XXXX which is an erroneous account added to my credit file. I opened a dispute and they closed the dispute the same day. I disputed this information over a year ago and it was deleted and reinserted back on my file and reported on Equifax on XX/XX/2022. I have never had any contract or service with the company and this information also states that it was included in my bankruptcy. Equifax has not done its due dilligence and has violated my rights by allowing this company to report negatively on my report. 

I am demanding this information be deleted immediately from my file.
Consumer complaint received 2023-10-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (IN)

I took a major pay cut from my job and had to switch jobs, I can't afford to pay any of my bills and I stopped paying. They continue to call me and all my references asking me to pay and threatening to sue me. They call me at least six times a day from different numbers. My block list is long. I'm tired of vetting calls for real ones.
Consumer complaint received 2022-11-01
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. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Consumer complaint received 2022-05-24
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. (CO)

On XX/XX/2022 I sent Experian a certified letter to correct a few inaccuracies in their credit reporting. 
The FTC enforces your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide. 

They are reporting FOUR of my accounts inaccurately. They sent me a generic computer generated response, " this is verified by the creditor '' However I am NOT disputing the account I am disputing how they are reporting the PAYMENT STATUS on each of these accounts.

The payment status is to reflect the current status of the account which all 4 of these accounts are current. They are reporting as follows : XXXXXXXX XXXX XXXX XXXXXXXX '' was past due 30 days '' XXXX  XXXX '' was past due 30 days '' XXXX XXXX " was past due 150 days '' XXXX XXXX  '' -was past due 30 days two times '' All 4 of these accounts are current and they need to be CORRECTED to CURRENT or PAID.

I hope that Experian can actually read and investigate the issue that they are reporting inaccurately and get these corrected immediately. This is harming my credit and if not corrected I will exercise my legal rights for their blatant disregard for following guidelines. 

I've included a copy of all 4 accounts credit bureau with the error highlighted and the letter I sent them last month.
Consumer complaint received 2022-12-10
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. ()

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-06-15
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. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-10-10
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. (SC)

My name is 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.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On Sunday, XX/XX/2022 I noticed an unauthorized charge of {$99.00} from a gas station in New York on my debit card. I did not make this charge, and have never even stepped foot in the state of New York. I reported the charge that same night, and was told they would reverse the charge and issue me a new debit card. On Wednesday, XX/XX/XXXX, the charge went through anyway on my account. I called my bank again, and they told me that my debit card had been reissued. I asked them why the charge went through when I had already told them it was a fraudulent charge. The woman I talked to told me she didn't know why.
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AK)

My husband XXXX XXXX had a reverse mortgage on XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX with PHH XXXX XXXX  # XXXX He passed away. I have bee eligible for an XXXX to stay in the home as a non borrowing spouse. This mortgage has been in forclosure status for the duration of this year, although there is a default of XXXX The forclosure was for the death of only borrower. Now I sent a check in XXXX for {$5300.00} To cover the default to put the balance at XXXX, as My XXXX letter stated I needed to do to qualify. PHH returned my check of {$5300.00}, stating that ( Payment not accepted as there is no repayment plan on file ). So now As the forclosure moves to the end date. XXXX XXXX is held up, due to the default balance for Taxes and so on. And PHH will not accept my payment. I have the check and letter available. And PHH also has a copy of it, they dont deny returning the check, but it is an attempt to make me unable to qualify for the moe XXXX This is unfair practice, and i am in a catch XXXX that phh has put me in purposely. I only have till XX/XX/2022 to pay the balance to get my moe. What do i do, as I already sent the payment and its documented that they just didnt accept it. To make things even more complicated. The home had massive fire damage about the same time my husband died, so we recieved a XXXX insurance claim check, and had to send it into phh. this was a year ago, they do not want me to repair the home, as i chose to do, so i can sell it afterwards. I gave them all paperwork needed, yet they chose to forclose. Pleae help me, i know that what they are doing to me is not legal or atleast against some codes of ethics. Please call me at XXXX
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/year>, I got a call, he said that he was a FCC employee, hes name was XXXX XXXX, his work number was XXXX.He said on XX/XX/XXXX, XXXX time in the morning XXXX, I opened a new XXXX XXXX XXXX  account, phone number was started XXXX, the number was sending spam fraud and financial institutions all over the country.He asked me if thats me or did I know what about it. I said no. I dont know.He suggested me call XXXX XXXX police station and report it.and then the spam was starting.the officer said that I was in XXXX XXXX Wanted people.Because I was a suspected person in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had a account, its XXXX XXXX dollars money laundering case. So they would have to arrest me and frozen all my bank accounts and come from XXXX arrest me.XXXX XXXX XXXX, I was XXXX  and scared. I called FCC for help, the operator told me, they would not call me, they would send me mail .AND they would not speak XXXX to me. The operator said she didnt know whos XXXX XXXX XXXX and she was only accepting a case number. I called XXXX XXXX XXXX, checked under my name weather any phone number opened or no, XXXX XXXX XXXX said No. For communication, they asked me download XXXX and XXXX XXXX. I did. I showed him, my drive license. He asked me, my banking name and, banking account information. I didnt get him the full account number, I get bank account last 4 numbers.
Consumer complaint received 2022-06-16
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$170.00} $ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$1600.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$790.00} $ XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$680.00} $ XX/XX/XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-05-21
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: Consumer Financial Services (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-16
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)

XXXX accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

XXXX has repeatedly made attempts to collect a misrepresented debt. I was in no contract of any sort. I bought the cell phone out right cash. It was explained to me that it was prepaid at time of purchase. I made many attempts to use the phone but the service was non existent. I had to stand at the side of my road outside of my home to even pick up 1 bar of service and while driving into different towns had XXXX service on the phone as well. They told me there was nothing they could do. 


XXXX provided no service to me on this phone. It was explained to be prepaid at the time of purchase. They continued to charge me for a phone I was not using and could not use. I could not even call them to cancel the service. They have sent this debt to at least 3 different collections companies - all who have dropped the collection account immediately upon informing them of this issue. Then they open the account with the next collection company and continue harassing me. 

I have attached a transcript of myself and an agent. I explained to them I was laid off at the beginning of Covid. I could not use the phone. And that I didnt understand my charges when it was prepaid service. They refused to close my account unless I called them from my service-less phone they sold me.
Consumer complaint received 2023-05-30
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. (DC)

In accordance with the fair Credit reporting act XXXX Account # 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 Section2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
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. (ND)

So I sent a letter off on XX/XX/2022. Here are my tracking numbers XXXX. To remove personal information that I don't want on my credit report. The companies responded without removing the personal information. I sent another letter off in response on XX/XX/2022. Here are my tracking numbers XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-03-23
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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
Consumer complaint received 2023-03-23
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank deceptive third party lending!!! 

I recently bought a mattress from XXXX XXXX using their financing option. They use a third party lender, Synchrony Bank. The financing paperwork is about one or two paragraphs long and doesn't go into detail. 

Without my permission, they opened a credit card account with a negative balance and sent me a credit card. My credit took a sizeable hit because of this and without my consent. 

Synchrony will not accept a debit card as payment unless you call them. They make it very hard to talk to a person which is the only way they accept a debit card. 

Their " customer service '' representatives aggressively push you to activate the credit card they sent you. 

They also require monthly payments ... even if your are ahead on your payments. That was never disclosed before the purchase either. 

In my view, this is a deceptive and predatory practice that needs to be stopped. This takes advantage of the most vulnerable that don't understand how credit works. How many people have negative life outcomes because they can't afford a large purchase and get taken advantage of by these loan sharks? I refuse to believe this is legal.
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX card account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX service account # XXXX, has violated my rights . 

1 5 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.