davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a 1099-C, Discharge of Debt, on XXXX XXXX, from Bank of America stating they discharged {$13000.00}. Date of identifiable event was XX/XX/XXXX. I called the number provided, XXXX, and spoke to their agent. She said the associated debt was from a credit card that I opened on XX/XX/XXXX. I have not received a single notice or bill from BoA during the last 12 years. I told the rep that the Statue of Limitations in Mass. was 7 years, and we were well past the dead-line. she said you have to contact your Attorney or Tax Accountant. I told her your the ones that made the mistake, and that they should issue a corrected 1099-C, She again stated there was nothing she could do, so I requested that she send me a copy of all the account charges and the source, and gave her my new address. After about a month I called back because I had not received the requested information. I spoke to another agent, who informed me they don't have any records of my debt. I then asked the agent if I could speak to their floor Manager, XXXX, who again reiterated that they have no records to send me. I really believe that this debt can not be legally collected, then it can not be cosidered forgiveness of debt. I have been retired for 7 years, and this much implied income will cause a real strain on my finances. 

Thank you. XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX  show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

RE : LVNV FUNDING LLC, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ACCT # XXXX ACCT # XXXX AMOUNT : {$890.00} DATE : XX/XX/XXXX This complaint is regarding the above-referenced debt in dispute. I am a victim of identity theft, IRS, and Tax Fraud which caused the IRS to send me a " Pin Code '' for tax-related submission purposes. In XX/XX/XXXX, after years of fighting and getting back on track, I decided to check my annual credit reports. Unbeknownst to me, I noticed that LVNV Funding collection company had a collection account on my credit reports that belonged to someone else. I had never had a XXXX XXXX XXXX credit card. I tried to call this company and get a solution to this fraudulent act but to no avail. 

I am disputing this debt because I do not owe it. LVNV FUNDING MUST STOP reporting it to the credit reporting agencies and ask them to delete it from my credit reports. 

Reporting information THEY know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive e-mails or letters concerning this debt that I do not owe to their client after this complaint from such a collection company. The Fair Debt Collection Practices Act requires LVNV FUNDING to respect this request and cease all communications. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Please remove all fraud alerts and extended fraud alerts from my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Acceptance Rentals, Inc. (MO)

On XX/XX/2020I paid an account balance for the negotiated about to XXXX XXXX. This payment should have completed my obligation to the company. I have since then called the local office in XXXX, KS and the corporate number with no help to have it removed from my credit report. On XX/XX/XXXX I requested a free credit report from XXXX XXXX. The account still shows as not paid. I called the local office again on XX/XX/XXXX. The associate there told me he got busy and never sent it to the credit bureaus. He also has no way of pulling my receipt to send to the credit bureaus. No one at the corporate office answers or calls back. I have a receipt, which the associate says I can not email to him. I am never able to get additional documentation reporting that I completed my obligation. 

I recently applied for a car loan and was denied. I believe this account had a huge impact on their decision. I am also trying to prepare for buying a house.
Consumer complaint received 2021-05-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XXXX is missing from our payments. We have asked for the statements and they refuse to give them to us. We have ALLLLLLL the proof you need. We have sent certified letters, emails, and a dozen of phone calls. They will not respond. 14 years of statements all of a sudden come up missing. They stole XXXX from our payments over 14 years. 

Their attorney a month ago said he would send the missing statements. They never sent anything. I emailed them 9 times and no response. If I try to call them it just goes to voicemail. I have left about 10 messages so far and no return call. It is pathetic. They need to be closed the f down or be in jail. I will send all the proof you need from bank accounts, emails, and phone records. We are sick of them and their greed. 
I want the deed to our home or the right to sue them. 

We are beyond XXXX off. They illegally charged us XXXX dollars to make payments when it was XXXX. They refuse to respond to us. 

We have paid in advance over XXXX. We are not behind but I did not know what to check on the complaint. We need help with them stealing from us. I promise you they are thieves. I want the deed asap or I am going to sue the sh -- of them. Thou shall not steal!
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over XXXX days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern I XXXX XXXX recently requested a debt validation from XXXX XXXX on this alleged debt on XX/XX/2021. In the responds from XXXX XXXX, they requested to verify my SSN number and where i received this loan location. In my original letter I sent them my last XXXX of my SSN number and the account number of this alleged debt provided by the credit bureaus. I do not have anymore information regarding this alleged debt.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

DISCOVER FINANCIAL SERVICES Account Number XXXX {$11000.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX {$2000.00}
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to XXXX XXXX   accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. 8.15.17 The Manager SPAR states the company does not have this information in there records, the manager requested I  contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be  removed, this is no contract between the companies and myself.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have written mutiple times to XXXX XXXX, Transunion, and XXXX  in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello my name is XXXX XXXX and I have been getting harassed by two different companies a year apart for the same account from capital one as well as the capital one who told me they sold my account back in XXXX or XXXX to a company who is no longer in service I recently received a new Capital One card thats under XXXX now the first company is called XXXX XXXX XXXX who told me last year around XX/XX/XXXX or the XXXX of XXXX they had me pay them close to XXXX dollars and I thought that they was clearing up my collection bill and then I get a call this year on XX/XX/XXXX with the same Information just a different company name and the same account numbers and almost the same amount they want almost {$1900.00} and they are trying to make me pay just like the first time I really need some Help I can email you all the information they sent me
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

i have written mutiple times to XXXX XXXX, XXXX, and equifax in the past 8 months regarding this account. I have never received any responses back nor have they marked in the comments in the report that this account is in dispute,,, ,they have flat out ignored my requests ... .by law they should have done both ... i do not recall ever having a loan in my life ... ..im looking at the reporting and its all over the place too ... .it seems this avvount has been re aged, look at the date of last payment that is illegal ... the high credit limits are way different, it is a charge off with a balance ... .these are all violations and this is not even mine ... .this is my final attempt for them to correct this before contacting an attorney and the state attorney general
Consumer complaint received 2020-06-04
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. (AL)

I have come here to this site hoping someone can help me with Trans Union. I let them know that I had things appear on my credit that was not mine & had no clue who applied for this. I have been a victim of identity theft. I am having a hard time trying to get the things that don't belong to me deleted. I have called all the companies and bureaus several time without any changes. This issue should have been taken care of the first time I told them I had a problem. Please help me get this information deleted from my credit report. I sent in a copy of my police report, ID and social security card.
Consumer complaint received 2023-03-27
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: RFNA, LP (GA)

I am so displeased with the way my information was used by Republic Finance. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX  and XXXX, so at this point, you really should be protecting my privacy. This is XXXX to my emotional and XXXX health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

On XX/XX/XXXX, I attempted to purchase the latest XXXX, which was about to be released. I decided to use XXXX XXXX, underwritten in the XXXX by XXXX XXXX XXXX. I submitted the online application but was rejected due to a credit check conducted by Experian. This was surprising, as my credit score is excellent, with no negative factors. Additionally, my annual income exceeds {$220000.00}, so there should not have been any issues with my credit application. 

I raised this issue with XXXX, who confirmed they could not identify any problems. However, the application process is assessed automatically, leaving no manual option to override what they suspected was a technical error. Following this, I contacted Experian and was initially informed of XXXX potential issues : XXXX. My new address, updated in XX/XX/XXXX, had not been reflected in their database. 
XXXX. I had not re-registered to vote at my new address. 

I promptly addressed the voter registration issue, which now appears correctly on my credit report. However, I encountered difficulties updating my address on Experians system, which inexplicably did not allow me to make the necessary changes. 

This marked the beginning of a frustrating four-month journey in which Experian has been attempting to resolve an issue with my credit report. While I was eventually informed that the address issue had been corrected ( as my updated details are now visible to me ), my report remains inaccessible to external organizations. This has prevented me from applying for any services that require an Experian credit check. 

I have spent countless hours on the phone, written numerous emails ( which I am happy to share ), and escalated the matter through Experians complaints team and even their XXXX, XXXX XXXX. Although I eventually received acknowledgment that my emails were being received by his office, no meaningful support has been provided. 

I do not feel that my concerns, which have caused significant stress and frustration, are being taken seriously. As such, I am seeking your assistance in resolving this issue. Given that Experian is a global company headquartered in the US, I hope you can provide support or guidance on how to proceed. 

I have attached the email sent by Experian on XX/XX/XXXX, which outlines the identified issues. While the information on my report is now visible to me, it remains inaccessible to external organizations. As a result, I am still unable to secure any credit, despite having an excellent credit score and a substantial income. 

To date, I have been offered compensation of XXXX which is both insulting and upsetting. 

I would greatly appreciate your intervention in this matter and look forward to your response.
Consumer complaint received 2023-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (CO)

I have a XXXX XXXX XXXX XXXX that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX Comenity Bank, now Bread XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX  Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXXXXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX  which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} 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 an account without my written instructions in fair resolution.