davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-11
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: Bread Financial Holdings, Inc. (NE)

I had a hard inquiry on my XXXX Credit Report which I did not authorize by XXXX ( Comenity XXXX XXXX XXXX ) on XXXX XXXX, XXXX XXXX a little over two years ago ). I disputed it at the time with XXXX letting them know I did not authorize this but they failed to remove it. One week before it was to naturally fall off my credit report at the mandatory two year mark, the same company XXXX XXXX pulled another hard inquiry without my permission on XXXX XXXX, XXXX. I called XXXX to investigate and they told me to write a letter to them and ask for it to be removed because it was not authorized and gave me the address to mail the request to. I wrote a letter to both XXXX Credit and also to XXXX saying this was unauthorized and it could be fraud by someone trying to take out credit in my name and asked for an investigation into the matter and mailed both letters on the same day. A letter came back to me from XXXX Credit on XXXX XXXX, XXXX which said " We are unable to remove this inquiry. If you feel this is a fraudulent inquiry you will need to contact XXXX  and initiate a dispute with them. '' I KNOW it is fraudulent activity because I put in writing that it was n't done by me, I already told them it was fraud. So this is either fraud by XXXX Credit or a scam artist pretending to be me. Since I also asked for an investigation as a dispute with XXXX and yet XXXX put in their letter that they had n't heard from XXXX regarding a dispute, this means XXXX, did not contact XXXX Credit to see if this was a legit inquiry. XXXX ignored my dispute and did not open an investigation into this matter and the unauthorized dispute remains. I Googled this problem tonight ( Unauthorized hard inquiries by XXXX on XXXX  and found countless hundreds of other people who have the very same complaint about an unauthorized hard inquiry on their report. This is obviously something they are doing illegally and it needs to be stopped. I took all of my money out of my XXXX account and will never log into their site again, they ca n't be trusted. I suspect it is them pulling the unauthorized inquiries since it happened two years ago the same way vs it being a scam artist, but with the recent XXXX breach of privacy it is something which is particularly concerning.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Zombie recurring transactions charged to card in error by merchant enabled by VISA Account Updater. The updater links transactions to closed credit card numbers to current number without consumer permission. There is no consumer opt-out from Bank America VISA Account Updater according to BofA credit card customer services. Consumers are being charged for cancelled or erroneous merchant services despite consumer disputing those charges. Specific case : Travel Reward Card receiving charges from XXXX XXXX for {$5000.00} per month for several months. Consumer disputed charges with Bank of America. BofA Dispute resolution process informed consumer that merchant provided evidence the charges were legitimate. However, neither the merchant nor BofA can provide consumer specifics : what account is active, and what services are being billed associated with this consumer? The consumer has not used XXXX XXXX for several months. The consumer disputed and cancelled the credit card number twice, Bank of America re-issued a new card with a new number each time, but is still posting new XXXX XXXX {$50.00} charges each month to the new number via the VISA Account Updater. The consumer never provided the new number to this merchant. Zombie transactions.
Consumer complaint received 2017-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On the XXXX XXXX XXXX 2017 I made a payment of XXXX the coinbase.com REF : COINBASE XXXX XXXX XXXX from my XXXX Credit card. since then My account has been inoperable. Upon login it states 'Sorry, account temporarily disabled. Please contact support. '. 
Contacting support results in no reply, or when a rely is present it says, we are working on your request. I think after nearly two weeks they have had more than enough time to deal with re-enabling an account. 
All I want now is my money refunded, and to never have anything to do with these charlatans again. 
Although I am aware the are supposed to be one of the biggest XXXX exchanges in the US, I feel they do n't have the ability to to use a XXXX  pun organize a XXXXXXXX XXXX in a brewery. 
Apologies for my wording in the previous statement, but these people need to be dealt with, and there license to trade be removed, as they are a liability to anyone, and do n't seem to care either way. 
Yours Sincerely. 
XXXX XXXX.
Consumer complaint received 2017-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.
Consumer complaint received 2017-12-16
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. (NJ)

XXXX XXXX Trans Union are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX company was suppsoed to pay this amount but have n't payed this is incorrect information
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently tried to dispute and bogus collection account that has popped up on my Transunion credit report. The account name is XXXX which I have no knowledge of this account, no affiliation, did not give my authorization to use my personal information, and the only conclusion is this may be from and workers comp case from last year. If so I am not liable for this account or payment they need contact employer and worker comp insurance. I have tried repeatedly to dispute account online like told by phone reps but every time you try to dispute account and click continue button to send dispute online it is deactivated for adverse accounts. I have noticed that if I select a good account and click button it will continue but if you select an adverse account it will not let you continue process. I 'm sure this is one of these tactics to keeps consumers from disputing inaccurate information.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-11
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: REGIONS FINANCIAL CORPORATION (MS)

My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from Regions Bank. The business that wrote me instead of Regions Bank was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then Regions tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from Regions, but that is not possible now, due to the lie of XXXX XXXX  XXXX. Then Regions just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that Regions Bank has put on my credit record in XXXX XXXX  to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX  and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX   XXXX XXXX. XXXX . XXXX, XXXX MS or inhabitable dwellings in XXXX MS that is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from Regions Bank or any other business bank account for that matter.
Consumer complaint received 2017-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

This company is reporting false information regarding a medical debt that is not mine. I was recently denied an extension of credit because of this false debt. 

I contacted the company and they refuse to give me information unless I comply with HIPPA. But, there is no way I am giving them my personal information, as they already admitted they do not have my social security number or any portion of it.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NH)

Previous credit line : {$20000.00} Current credit line : {$5000.00} at one point it was at {$1000.00} on XXXX/XXXX/XXXX I paid my full balance of {$19000.00} after being a Natural Disaster victim of XXXX XXXX. My business in XXXX has suffered with all my contractors in the center of the storm with all my inventory. 

Anyways, I called XXXX XXXX XXXX in regards to my situation and it got dismissed. Then before I paid I saw my credit line still at {$20000.00}. So I decided to pay my balance to free up my available credit. By doing so, Barclay decided to reduce my card line to {$1000.00}. After frightening seeing that I called and after a long call they increased it to {$5000.00}. 

Barclay never notified me in any way ( mail, phone call or email ). Please help increase it back to {$20000.00}. I called again and they refuse to help me.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinman Acquisition Group (IL)

I received a voicemail from XXXX XXXX The person stated her name is XXXX XXXX with XXXX XXXX XXXX. She said she received a complaint in her office and she will be filing here in XXXX County, Illinois, but the case was reviewed and before filing, I must contact her at XXXX to address the proceedings sign off on the documentation. My father received a phone call from the same person, trying to locate me on XX/XX/2017. 

I received a voicemail from XXXX XX/XX/XXXX. The person stated her name is XXXX, and my account is on hold. She stated that if no contact is made she will be forced to forward the documents to my home, and to contact her at XXXX. 

I received a voicemail from XXXX X/XX/2017. The person stated her name is XXXX XXXX, and that she is a process server in XXXX County, Illinois. She stated that she will be serving legal documents to my home or place of employment if I do not respond and sign the documents. She stated that my refusal or inability to sign the documents will be considered a missed court date and the legal process will continue without me. She stated I am to call XXXX to address the proceedings and schedule a time to sign the documents. 

I believe these incidents are illegal, and all the same people/person that has been harassing me. I do not have any accounts in collections that I 've found during credit checks.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Account number : XXXX Balance Owed : {$610.00} XXXX XXXX  Account number : XXXX Balance Owed : {$830.00}
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may have a chance to make a few bucks.    I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. XXXX XXXX {$7300.00} XXXX. XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX {$520.00} XXXX. XXXX XXXX  {$15000.00} XXXX. XXXX XXXX  {$11000.00}
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. 
When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. 
I was able to speak on behalf of the loan and conduct all transactions. 
Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. 
I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. 
They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. 
They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. 
Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am contacting you to formally dispute the late payments that have been inaccurately reported on my credit report. Specifically, the following late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries are in violation of XXXX XXXX XXXX ( a ), which mandates the accuracy and fairness of credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX I am protected under 15 USC 1681c-1 , which ensures that special protections are given XXXX XXXX XXXX XXXX XXXXXXXX, including the prevention of errors in credit reporting. 

I have attached documentation XXXX XXXX XXXX XXXX XXXX  during the time these late payments were reported. Therefore, these entries should not have appeared on my credit report, and I request immediate removal of these inaccuracies. 

Please investigate this matter and confirm the correction as soon as possible. 

Thank you for your time and attention to this urgent issue.
Consumer complaint received 2017-09-10
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: Experian Information Solutions Inc. (TX)

There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.