davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

PLEASE SEE ATTACHED XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX, FL XXXX XXXX RE ACCOUNT NUMBER Checking XXXX XXXX XXXX and Regular Savings XXXX XXXX XXXX RE : Disputed Account Notice to Furnisher Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of Information
Consumer complaint received 2019-11-20
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)

There are two items on my credit that don't belong to me, i have tried to remove them and have gotten no where, this is stopping me from buying a home. 

the items below are what needs removed XXXX Opened XX/XX/XXXX for {$220.00} XXXX XXXX Opened XX/XX/XXXX {$170.00} these items no dont belong to me, they are fraud
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (KY)

Carmax Auto Finance has added a comment to my credit reports as well as my niece 's new account on her credit reports " Stating Customer affected by Natural Disaster '' This is false and misleading information to any other creditor as neither I nor my niece have asked for any type of deferment of payment or any assistance at all. Actually, on my account, I only have a small balance left and do not even have another payment due for 5 months as I am paid in advance. On my nieces brand new account her first payment is not even due until next month. It seems like Carmax has added this remark to their account holders which could negatively impact the consumer with other creditors.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (GA)

I have been harassed by a collection agency by phone and letter over a medical debt that was long paid for. I notified them it has been paid, and was not delinquent or any of their concern. I receive harassing phone calls, some with the number blocked, and threats by their agents. I provided proof of the debt paid and told them to cease and desist ALL contact and harassment but they simply refuse. My rights under the FDCPA are now being violated and in addition to that they have now damaged my credit with a completely FALSE account and collection. I demanded the proof of entire debt, all itemized statements mailed and the notice of collection letter required to be given to me within 5 days of accepting any debt that they believe I owe. I have been DENIED all these things and CONTINUED harassment and VIOLATION off my rights per the FDCPA. NOW the FCRA is being violated and FALSE and INACCURATE and UNVERIFIED IN FULL WITH REQUESTED DOCUMENTS. I am livid at the actions of this collection and am seeking an attorney to seek monetary relief and fines and fees from the Attorney General if this is not ceased immediately and removed from my credit. 

HIPAA VIOLATION NOTIFIED AND SENT TO ATG.
Consumer complaint received 2019-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Michael Andrews & Associates LLC (GA)

I purchased a car from XXXX XXXX in XXXX Ga in XX/XX/XXXX. The finance company that I made payments to was XXXX XXXX XXXX for a while then the car was sold to XXXX XXXX, then to XXXX XXXX. I'm not sure if XXXX XXXX and Michael Andrews and Associates are the same but the car was repossessed in XX/XX/XXXX by Michael Andrews and Associates. I spoke with the manager named XXXX  about payment arrangements and he agreed to let me keep the car if I made a payment the same week I spoke with him. However, I made the payment that week and the car was repossessed the same week. Now im receiving calls from Michael Andrews and Associates about suing me for the remaining balance after selling the car, which is {$5000.00}. I don't agree with their decision and I'm seeking justice because I don't think it's fair how they handle business.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

I received notification for this debt through a credit monitoring service. I have disputed this debt due to lack of notification and proof of debt. Company has not provided any information. Through research I have summoned the debt is from XXXX XXXX  an account I closed in 2014 and paid in full.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Contrary to XXXX XXXX bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of XXXX XXXX it appears according to CFPB bank examiner documents that are attached : XXXX  IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, XXXX REP at the time of transfer to XXXX. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I do not have a contract with Midwest Recovery Systems. I am not liable for this collection from XXXX XXXX XXXX. I am not responsible for this debt. This collection was removed as of XX/XX/2019 from my credit report, and in XX/XX/2019 it was placed back on my credit report, without having the 5 day notification prior to the placing. Which is a FCRA violation. Remove this fraudulent collection immediately from my credit report.
Consumer complaint received 2019-11-20
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: LEXISNEXIS (NY)

LexisNexis : The following has been requested : * according to the FCRA 609, 611 I requested a signed contract/or lease on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never producing any documentation with my signature. 
* In addition twice they responded over 30 days to respond as of today I have not received any response as of XX/XX/XXXX mailing. * Also there was inaccuracies on the previous responses. {$0.00} value was expressed which made no sense for a unverified eviction.
Consumer complaint received 2020-04-18
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. (OH)

this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
XXXX XXXX SS XXXX I have attached my ID and SS card.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting 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 writing to formally request that all fraudulent accounts listed below be immediately blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as I am a victim of a data breach resulting in unauthorized use of my personal information. The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

Hello! I am having a problem with your website and Experian Boost service. I added my bank XXXX XXXX to my account. There was a scan done and I received a response stating that past bills could not be located which is inaccurate. Therefore, I disconnected my banking information and tried again a few weeks later. Now I am receiving this message : We couldnt validate your account details Your name and/or address with your bank doesnt match your Experian membership profile, so we couldnt validate your details. 

The address on my experian site matches exactly to what my bank has. I don't understand why I am receiving this message when my bank was connected with no problem just a few weeks ago. I appreciate your help in resolving my issue. 

Thank you
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I found out, on XXXX/XXXX/XXXX upon entering the bank because the my App on XXXX would not update and an account ( which a bank rep told me to close over 5 years ago because of costly fees for transfers to pay down my HELOC was costing too much money to transfer in fees?! ) There was an overdraft of {$8.00} on an account I thought the Fraud Department should have noticed as I never used because I thought the bank Representative closed it??? I was shown my account on the computer & I saw {$2300.00} ++ {$100.00} 's a day transferred into my checking account but suddenly It disappeared AGAIN which I NEVER SAW BEFORE THEN? I called mobile phone # & lady said, " ... the check was from a XXXX XXXX claim you made for water and sewage damage.. '' I did NOT make any such claim?! I sat in the XXXX XXXX 's office to see if they got any reports they settled on my behalf for which I received settlement check on XXXX XXXX or anything in XXXX!? ... after over an hour the lady saw NO such claim as I knew. I apparently have a hacker or something because there are many fraudulent charges i.e. I do NOT go to XXXX every on the day PLUS NEVER MORE THAN ONCE a day ( may be on a few occasions 2 times ) The hackr is still using my information and me stopped using my card except when absolutely necessary. I reported it to the XXXX police and the bank 's reps and fraud department and it has been since XXXX and ongoing ... The bank DID acknowledge and in XXXX refunded me {$78.00} but the rep who said he closed the account yelled at me ( causing the guard to check if I was OK ) because he said, " ... I hate myself sometimes ... '' I never gave my PIN # out and never give it away and it was not stolen. He DID cancel over 5 cards and purchases were even made while I was en route to the airport on XXXX XXXX, XXXX. I informed everyone that all I could think of that in XXXX, I trusted my daughter 's boyfriend to fix my crashed desktop and my daughter thought he could fix but after a week and alll my information up to his 56 '' screen when I brought it home it was still crashed?! Aso, someone stole ( more recently ) my XXXX XXXX, on XXXX XXXX, XXXX and I went to proper authorities for 2 bank accounts that somehow withdrew money from one account in excess of {$15000.00} it has been way too long to put it back in the bank. Am I ever going to get my {$18000.00} and {$5000.00} from separate banks -- back?! I have worked long and hard but I have been told I will never get it back ( by some business people ) ... I made the mistake of trusting the bank and not balancing my checking accounts as I once did and should never have let anyone have access to steal my phone - the hand is quicker than the eye- I learned!!! Please help ...
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (MO)

Recently, I noticed a negative item on my credit report that does not belong to me. The collection agency is California Business Bureau ( CBB ) and the original creditor is XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I wrote to CBB requesting account validation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, they responded by saying " there is no basis in law to substantiate your right to such information ''. CBB proceeded to provide creditor and account information including an amount they say I owe of {$890.00} and added {$500.00} interest for a total of {$1300.00}. They included no validation, but included a database printout of a patient inquiry report with service dates, service codes, and service code descriptions. No HIPAA release form for release of patient information was ever sent to me. 

Moreover, I have never been a patient or done business with said creditor, XXXX XXXX XXXX XXXX ( XXXX ). My name has been used fraudulently in this medical debt collection account unbeknownst to me between CBB and XXXX dating back to XX/XX/XXXX. 

Furthermore, since XX/XX/XXXX, I have been corresponding with XXXX  to resolve this to no avail. I have requested physical verification/validation of the original signed consumer contract. They persist in refusing to remove this fraudulent, unverified, erroneous item from my credit report. The outcome is that this negative item remains on my credit report, negatively and wrongfully harming my ability to enjoy the benefits of good credit. This negative item is causing me severe problems in trying to purchase a home.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am a XXXX attending classes online through XXXX XXXX XXXX. I have received several loans to pay for my schooling. I am also employed by the XXXX XXXX XXXX, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.