davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I called Equifax to get my free credit report. I was transferred to a call center in XXXX where I am 99.9 % sure they sold my information because shortly their after my identity was stolen. On XX/XX/XXXX I tried to place a credit freeze/lock on my account with Equifax, and they wont do it. I easily was able to place a credit freeze/ lock with XXXX   and XXXX. There is serious fraud happening inside Equifax. Someone needs to investigate what is going on there. And they need to be shut down. Even my bank told me to never call Equifax. We should be able to trust contacting our credit agencies. This is extremely corrupt and I feel helpless in getting this resolved.
Consumer complaint received 2018-10-16
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. (GA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

XXXX ATTN : Customer Care XXXX XXXX XXXX XXXX, TX XXXX XXXX : Incorrect data/information with Membership ID XXXX Login : XXXX for XXXX XXXX XXXX ( DOB XX/XX/XXXX ) and XXXX XXXX XXXX ( DOB XX/XX/XXXX ) On Monday XX/XX/XXXX, both myself and XXXX opened accounts with Experian to access our credit reports individually. As we became familiar with the site, we decided to change to the Family plan membership. We then, canceled XXXX account and added her to mines. 

Since the account change took place, my name was removed from my account and replaced with XXXX name. I see my credit report, SSN # and DOB, but under her name. 

In efforts to correct the data, I removed XXXX as an adult on my account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my information was still being presented with XXXX name. I cancelled my family membership on XX/XX/XXXX and tried to reopen the account with only my information. The system did not let me open a new account and prompted me to login with my XXXX login. 

The information has yet been corrected. We created the Experian account in order to dispute charges when needed and to lock our identity. 

I have been unsuccessfully reaching the customer service department at, XXXX, which is why Im writing this letter. 

I ask that someone please look into the data that appears on our accounts. Ideally, we would like a family plan, but if it is going to cause an issue, then we would like separate accounts with our information fully segregated. 

If you have any questions, please contact me at XXXX. I have enclosed screenshots of what we see when we log in. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

They accused me on my credit report ( XXXX ) for an account other than my old account at an old city, they said on the report suspected fraud activity, since XX/XX/XXXX and i didn't know about it tell i closed all my accounts with them this year. I'm trying to solve the issue before i sue them for all what happen to my credit history with no contact at all. while I have an accounts with them since XX/XX/XXXX. The damage caused to be declined by my company credit union and declined for a mortgage, unfortunately, some XXXX reports do'not appear in my normal credit report, tell have been told by a loan officer
Consumer complaint received 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Brelvis Consulting, LLC (IL)

On XXXX XXXX I began correspondence with XXXX XXXX   XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to try and reconcile a defaulted student loan that was in collection with wage garnishment. The contract was for {$1100.00} to be paid over 3 months all the while wages were still being tarnished. Also, to finalize this contract I had to provide XXXX XXXX XXXX  with my log in information for the US Dept of Ed. By the end of XXXX I still had not heard from XXXX XXXX XXXX  and further action they would be taking on my behalf and my wages were still being tarnished. Finally on XX/XX/XXXX I received an email from XXXX XXXX requesting extensive personal information. It was at this point I began questioning the validity of the company because w the requested information along with my US Dept of Ed log in information this company would have adsolutely all my personal information. I was very uneasy with this so I requested a refund for the {$1100.00} since XXXX XXXX XXXX has taken no action and my wage garnishment was still continuing. I spoke with XXXX XXXX from XXXX XXXX XXXX  in XX/XX/XXXX and he denied my request for a refund. After numerous phone calls back and forth I was told by XXXX that I would be receiving a check in the mail in 5-7 business days. After the 7 business days I had still not received a check so I called XXXX XXXX back and was told I would not be getting a refund. He stated I would have to have my bank call and disput the charges. When my bank called and spoke ton XXXX XXXX he told them they would have to do a charge back. This was not possible for my bank to do since these transactions no longer qualified for a charge back. At this point XXXX XXXX refused to work with me any further. All I would like is a refund of my money collected for services that were never provided.
Consumer complaint received 2018-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened my checking and savings accounts with Citibank on XX/XX/XXXX, signing up to receive a bonus of {$400.00} if {$15000.00} in funds are deposited in the account. I have confirmed with Citibank customer service multiple times that the bonus was attached to my account. The bonus was supposed to post to my account within 90 days after requirements are met. I deposited the full amount of {$15000.00} on XX/XX/XXXX, and to this date ( XX/XX/XXXX ) over 180 days later I still have not received the bonus.
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through XXXX XXXX  XXXX. 
I eventually called the number they gave me which was for XXXX XXXX XXXX. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
XXXX XXXX XXXX do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through Pressler and Pressler. 
I eventually called the number they gave me which was for Pressler and Pressler. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
Pressler and Pressler do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2018-12-12
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their ivestigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX and XXXX
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (OH)

Informed fraudulent account I was the victim of identity thief, a long with each credit report agency starting back in XXXX of 2017. I since then have sent out FTC reports, and still account are coming back verified.
Consumer complaint received 2018-11-20
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. (NC)

MY CREDIT SCORE IS VERY LOW, DESPITE THE NUMBER OF ACCOUNTS I PAY ON EVERY MONTH. THESE ACCOUNTS ARE THE EQUIVALENT TO IN-HOUSE CREDIT. IN THE LAST YEAR, I HAVE PAID SIGNIFICANT AMOUNTS TOWARDS MEDICAL BILLS, I PAY RENT EVERY MONTH JUST LIKE PEOPLE WHO HAVE A MORTGAGE. AND IT'S NOT POSITIVELY AFFECTING MY ABILITY TO GET LOANS OR INCREASING MY SCORE.

TO EXPLAIN FURTHER, I USUALLY ONLY REQUEST MY EXPERIAN CREDIT REPORT, BECAUSE I CAN GET ACCESS TO THAT ONE FAIRLY EASILY. THE ISSUE IS THAT EXPERIAN AND XXXX ARE USING AN OLD MODEL ( FICO ) AND NOT NEWER SCORING MODEL. ONE I HAVE READ ABOUT IS XXXX SCORE. WITH THEM USING THAT SCORING SYSTEM AND ME  NOT HAVING ACTUAL " CREDIT CARDS '' I WILL NEVER BE ABLE TO GET ANY TYPE OF CREDIT ACCOUNT THAT WOULD BE CONSIDERED TRADITIONAL. I GOT MORE CREDIT CARDS WHEN I WAS IN COLLEGE AND I'M SURE MY CREDIT SCORE WAS IN THE 400-500 RANGE! MUCH LOWER THAN IT IS NOW. I HAVE APPLIED FOR SOME CREDIT CARDS THAT ARE RECOMMENDED FOR PEOPLE IN A CERTAIN SCORE RANGE, BUT THEY ALWAYS GET DENIED. I DON'T THINK MY CREDIT SCORE IS NOT BEING EVALUATED OR MEASURED THOROUGHLY.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Complaint 1 - Recently, I aquired a copy of my credit report. It indicates I have 6 XXXX XXXX accounts that are closed by credit grantor. I requested proof that these accounts are mine showing my signature. XXXX XXXX and Equifax have not provided a copy of said signature. Equifax continues to send me a credit report indicating the information is correct. By keeping this information on my credit report without proof of signature they are violating FCRA.

Complaint 2 - I informed Equifax that XXXX XXXX is breaking the law by filing a monthly alert on my credit file. I informed Equifax that XXXX XXXX is changing the dollar amount due and filing a new complaint each month. XXXX XXXX is effectivly reaging the account monthly in a malicious attempt to continue to destroy my credit. This is a violation of FCRA.
Consumer complaint received 2018-12-12
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: Titan Receivables, Inc. (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

They had made Two Frauds Transaction in my Td bank account, when I called Td bank to disputes all the transactions, after 7 days I called them and they said that they have nothing to do with it because those transactions were made properly. 
( 1 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl ( 2 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl. Td bank knows exactly what's going on with my account. They give away people info so they could have Fraud going on. I don't know anything about Those Two Transactions. I want them to reimburse all my money back to my account. Thank You
Consumer complaint received 2018-12-12
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: Collection Consultants of California (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Consumer complaint received 2018-11-21
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. (MI)

I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XX/XX/XXXX. I defaulted in XX/XX/XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact.

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX.

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX.

I submitted complaints regarding these illegal consumer reports to Experian, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. Experian and XXXX failed to resolve the issue. When I contacted Experian and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The Experian phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint.

When speaking with Experian and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it.

There have now been three mock investigations performed by Experian and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.