davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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: Experian Information Solutions Inc. (LA)

On XX/XX/2021 I noticed my credit score had dropped 21 points soon after, the actual alert notification was observed. This was alarming to me as I review my score often and last looked at my score on XX/XX/2021. I was beside myself to see a 21 point drop from a XXXX to XXXX. I made several attempted to obtain from Experian a explanation as my credit file had not changed at all. I explained that this adverse action ( credit score dropping 21points ) had place me at a disadvantage position in my quest to obtain business service products to restore and enhance my business activities. 
Experian representatives was unable to see or give any reasons for the 21 point drop besides my payment that changed my revolving credit balance from {$79.00} to {$71.00}. I requested a supervisor to return my call to obtain insight from their prospective. Due to the adverse weather conditions I had not heard from anyone at Experian for a few days. 
I contacted Experian back on XX/XX/2021 at that time a supervisor advised my that my fico score with Experian was reflective of the score from fico as this is where my score came from. I was advised to contact MY FICO to see why my score had dropped. 
Upon my conversation I was dismayed to find out I was provided misinformation from Experian, the FICO representative indicated to me that they have nothing to do with my credit score dropping 21 points. The representative further indicated that Experian has it's own algorithms calculations to determine credit scores. This presented a further issue as now Experian was giving me the run arounds in this matter. I phoned Experian back and was told that FICO was whom I had to call about a matter that Experian follows FICO. I expressed my dismay and was given a number ( XXXX ) reflective of our conversation from Experian.
Consumer complaint received 2021-02-23
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (GA)

Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation (CA)

XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$3500.00} UNITED REVENUE CORP XXXX** Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
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. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am a victim of identity theft. 

Two accounts were opened with Bank of America using my address, social security number, and a partial fake name. 

Bank of America did not verify the identity of the person opening the accounts. 

I have been trying since XXXX of 2022 to close these accounts. Only one of them has been closed. Every time I call, I'm told they didn't get the paperwork I keep faxing them or they're investigating the account and can't close it. 

I want this account closed. I never opened it. Bank of America is not doing anything about their mistake.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I disputed a XXXX XXXX XXXX account with Experian Credit Reporting. Specifically it showed a " late payment '', when there was no late payment. As a result of the dispute, Experian said the information XXXX submitted was correct. However, I received a notification on XX/XX/XXXX ( see attached ) that they deleted a new auto loan account with XXXX XXXX, which showed on the XX/XX/XXXX report ( see attached ). I did not dispute the XXXX XXXX account, and it was in no way involved with the XXXX XXXX XXXX account. Regardless, strangely enough, the XXXX XXXX XXXX account no longer shows up as a closed account at all. The XXXX XXXX account which did show as an active account, was deleted and does not show up as a closed account. Experian shows the " hard inquiry '' for the XXXX XXXX account, as well as showing the XXXX XXXX account on the XX/XX/XXXX credit report, ( see attached ). However, in regards to the CFPB I filed on XX/XX/XXXX about the XXXX XXXX issue, Experian says : -- -- -- -- - " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachment. In your dispute, you indicate your credit report is not showing an account. You are requesting to have this account added to your report. Regarding adding the account, Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. '' -- -- -- - I am not asking to have some random information inserted on my report, I am asking for Experian to add back, information that they deleted, which I did not ask to be removed. I have attached a snapshot of my XX/XX/XXXX Experian credit report showing the XXXX XXXX account on my file. I have also attached a copy of my XX/XX/XXXX Experian CR which does NOT show the Education First account, even as a closed account. I have also attached the notice of Experian removing the XXXX XXXX account and a snapshot showing my XXXX XXXX account activity, as an active account. I verified in XXXX and again this morning, that XXXX XXXX IS SENDING the required information to Experian, as well as to XXXX and XXXX. Experian saying they don't add information at the request of the consumer, but only from companies that submit info to them, why did it show up originally, only to have Experian DELETE it. This issue is an entirely Experian error, not XXXX XXXX.
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. (FL)

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX ), XXXX XXXX  ( account # XXXX, and account # XXXX ) have violated my rights. 
15 U.S. 1681 section 602 A states I have the right for privacy.

15 U.S, c1681 section 2 : it also says a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

It was brought to my attention that I am in debt collection for allegedly not paying my medical bill? If I did use services, I was never notified by email, phone or letter about the charges from the medical facility? I am shocked that this was reported on my credit? 

Collection Agency : Rash Curtis & Associat Balance Date : XX/XX/2020 Balance : {$1200.00}
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

There is a collection from XXXX XXXX XXXX claiming that I owe {$720.00}. This is a fraudulent attempt to collect a debt and nothing but a retaliation from XXXX XXXX from XXXX XXXX XXXX. We did not have a good relationship due to his discrimination against me and the primary owner of the apartment. I was the secondary applicant and somehow it is still reflected on my XXXX even though it was removed completely from the primary person 's account. After they removed it from their XXXX they somehow moved it to the primary holder 's XXXX which is ridiculous. They claimed we moved out XX/XX/XXXX which is false. The company has no proof we owe any amount and needs to be removed. Also, when contacting the county courts in which the company is located they claim that the 3 day notice from retaliation that XXXX gave us was not on file. Again, XXXX was acting only off of retaliation and did not give us time to explain our side of story. Also, XXXX forcefully towed one of my vehicles intentionally due to discrimination. When calling the XXXX and speaking to manager XXXX XXXX he was very rude and did not give any validation of the debt.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I have communicated with Amerihome regarding my mortgage on numerous occasions since XX/XX/XXXX. I have requested an escrow analysis twice ( XX/XX/XXXX & XX/XX/XXXX ) to ensure my Homestead Exemption was reflected on my account with my new tax rate. I sent the Tax Bill to Amerihome when I requested the first escrow analysis. I have yet to receive the analysis and my XXXX taxes are still being utilized to calculate my XXXX escrow resulting in me paying a mortgage payment that is way higher than it should be. Additionally, I have escrow overage. I'm sure at least a portion of it should be refunded to me. 

In addition to my calls, I have emailed Amerihome customer support department twice and also requested to speak with a supervisor several weeks ago. No return contact from either. I called again today and requested that a supervisor contact me regarding the overage I'm being charged in my monthly mortgage payment and the escrow overage that is being held in my account. 

My taxes in the amount of {$6600.00} were paid by Amerihome in XX/XX/XXXX yet, they are still using my previous year 's tax rate of {$10000.00} ( which is incorrect ) to calculate my monthly escrow. 

My Insurance & Taxes : Homeowners- {$4100.00} Flood- {$1300.00} Taxes - {$6600.00} Total - for {$12000.00} Escrow : Account as of yesterday - $ XXXX Monthly escrow being collected - {$1300.00} per month ( X 12 months =. {$16000.00} ) If you add the money in my escrow account ( {$9300.00} ) to the annual amount Amerihome is collecting ( {$16000.00} by the end of XXXX ) they will have {$25000.00} of my money. If my insurance and taxes are {$12000.00} for the year, why does Amerihome need an additional {$13000.00} of my money? 

Kind regards
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc. (TX)

ON XXXX CREDIT MANAGEMENT CALLED ME FROM XXXX TO MY PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THEIR AGENT TO COME ONLINE. I ASKED FOR THEIR NAME AND AFTER THEY GAVE ME THEIR NAME, THEY HUNG UP ON ME AFTER I ASKED THEM WHAT THEIR MAILING ADDRESS WAS. SO I CALLED THEM BACK AND SPOKE TO XXXX. I TOLD HER WHAT HAPPENED AND ASKED TO SPEAK TO THEIR COMPLIANCE DEPT. SHE TOLD ME THEY DON'T HAVE A COMPLIANCE DEPT. I REQUESTED TO BE PUT ON THEIR DNC LIST. THEN, THEY CALLED ME AGAIN TO MY PHONE NUMBER XXXX FROM THE SAME NUMBER OF XXXX AND THEY HUNG UP ON ME AFTER I SAID HELLO. WELL, I CALLED THEM BACK AND XXXX ANSWERED THE PHONE AGAIN. I TOLD HER I WAS CALLED AGAIN, SHE PUT ME ON HOLD AND CAME BACK ONLINE AND TOLD ME TO CALL XXXX. AFTER ASKING SEVERAL TIMES, SHE CONFIRMED TO ME THAT THIS WAS THEIR COMPLIANCE DEPARTMENT. I ASKED HER TO PUT MY NUMBER ON THEIR DNC LIST AND SHE SAID SHE WOULD. I HAD A FEELING SHE WAS NOT PAYING ATTENTION, SO I ASKED HER TO MAKE SURE SHE IS ALSO PUTTING THIS NUMBER ON THEIR TOO. THEN SHE NOTICED THAT SHE HAD TO PUT MY OTHER NUMBER ON THEIR DNC LIST AGAIN. I TOLD HER YOU GUYS CALLED ME AND HUNG UP ON ME WHEN YOU HEARD MY VOICE AGAIN.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

As indicated several times before, funds from the account were never transferred back into the account sending. CFPB and US Bank haven't adequately addressed all of my concerns mentioned. Please forward ALL of my complaints regarding US Bank to the Ombudsman Office.

MY FUNDS WERE NEVER TRANSFERRED BACK INTO ACCOUNT SENDING!!!
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc. (MD)

I AM VICTIM OF IDENTITY THEFT. 

ALL MY PERSONAL INFORMATION WAS EXPOSED IN A NUMBER OF DATA BREACHES DATING BACK FROM XXXX  TO CURRENT. 

I HAVE BEEN COMPENSATED IN CLASS ACTION LAWSUITS AGAINST XXXX AND XXXX. DUE TO THE CURRENT ACCOUNTS FRAUDULENTLY OPENED MY CLAIM WITH XXXX HAS BEEN EXTENDED POLICE REPORTS, COMPLAINTS AND AFFIDAVITS HAVE ALL BEEN SIGNED BY LAW ENFORCEMENT AND A CREDIT FREEZE HAS BEEN PLACED. 

THE CREDITORS I LISTED HAVE ALL BEEN DISPUTED WITH CREDIT BUREAUS BUT STILL REMAIN ON MY CREDIT FILE EVEN WITH ALL OF THE SUPPORTING DOCUMENTS. 

ATTACHED IS THE FTC REPORT
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

In XXXX I started a process to pay off my Citicard, in full. The balance due was over {$30000.00}. I contacted the company to see if I could get a pay-off amount and possibly have the payment lowered. I did email chats with representatives of the company and will try to forward those chats in chick they kept telling me what the balance was, but then the next month I would receive another bill. I contacted my attorney and he sent a letter requesting the account be paid in full since they did not reduce the balance owed. He then received a letter from them, I believe in XXXX, that needed to be notorized for them to release information to him and we did that within a timely manner. Since then, I have received no response and they have continued to bill me for late charges. I had applied for a XXXX credit card as I was told the balance had to be paid in full every month as I did not want to get " in the hole '' again like I did with Citi Bank. I was immediately denied for late payments due to Citicard even though it is in dispute. I have not heard anything from them and the amount continues to grow.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/21 I traveled into XXXX to get medication for my mother. The location is in a very bad area of town which I am not familiar with as it is about an hour away from where I live. I was in the need of cash to pay for the medication and needed to use my CheckCard with Regions Bank. My card was declined at the location. I think tried to find a bank branch near by and the closest was an hour away which was too far. I attempted to go to various ATMs to take out cash and the card continued to be declined. I have plenty of money in the account so I was not sure why this was happening. I continue to call the bank and due to phone issues they were having I could not get through. Being unfamiliar with the location and driving around I became very anxious and had a XXXX XXXX. I eventually used a credit card and had to pay a cash advance fee of {$50.00} pointlessly. I should have been able to access my money at the bank. after 4 hours I finally got through to the bank and they informed me that they canceled the card due to me not using it enough. They stated is you do not use the card in 6 months they turn it off. With Covid I am not going many places/traveling so I do not have the demand need for cash and when I do there is a bank 5 minutes from me I usually can go to. This Term of the card is no where to be found in any of their marketing material or even the tiny print on the Agreement & Disclosures Statement. This is a horrible business practice to deny access to my funds with no communication of this term at the point of getting the card and or at the point in time in which they turn off the card they could have emailed me to notify me. They have no issue emailing me to sell me or inform me of other banking activities. I called and filed a complaint with the bank and I was at that time informed that the bank will most likely not look at the complaint or review it. This was incredibly disappointing as in my perspective this is a stipulation of the card consumers should be notified in some way.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

This account is not verified yet it's being reported on my credit report. I called to verify with no success, called to reach a settlement in order to delete and had no success, senior director is offensive and hangs the phone on me. This company is a scam and should be investigated. I demand all associations with this company be deleted from my credit reports immediately.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This ( XXXX ) XXXX Account XXXX that is reporting on all XXXX credit bureaus is inaccurate, I requested an investigation with all XXXX bureaus, and the account came back as " verified as reported '' the first time. I asked for a re-investigation as it is inaccurate, or removal from my report. I asked for a copy of the XXXX as well from all parties. This is also XXXX XXXX XXXX IRS from XXXX. XXXX came back on XXXX dispute within XXXX hours came back as " updated. '' Experian says " remains '' same with XXXX. I stated it should reflect a XXXX $ balance and because they charged it off how are they reporting month after month when it is a closed account!? It should be charged off XXXX time. This is a violation of my rights under FCRA with the furnisher 's allowing it! 15 U.S.C. 1681 states they should have to pay me {$1000.00} for them causing me damages on my Credit Report and still not fixing the inaccuracy after several disputes of me telling them the account is reporting inaccurate information!
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

My rights are being continuously violated by Equifax it started with the Breach of XXXX and my XXXX score has been erased and all of my accounts also, I have XXXX different companies reporting on other companies report but not Equifax because they are blocking my credit history trying to XXXX XXXX  me into paying them XXXX dollars a month to build my credit they just sent a response that I should call then when I did call them they said they are not blocking my credit but the fact is they are blocking my credit and I'm sending a screen shot as proof from there own website myequfax.com this behavior need to stop immediately!!!