davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

In the beginning of this year, 2019, I had had an appointment for a XXXX XXXX scheduled with the XXXX XXXXt attempting to collect a debt through this credit agency. 
The debt is for what the XXXX XXXX office claimed was a " no show. '' I had told this office that I was hospitalised with a XXXX XXXX, and there was no way that I could make this appointment. 
They threatened me when I called them on the phone to resolve this issue, saying that they were going to pursue every legal action they could in order to force ( yes, they used the word " force '' ) to pay this amount - which is a very small amount. 
However, I told them I would not, based on principle, especially after speaking with the woman on the phone who became hostile, and at that time they said they were going to take action. 
I was told my a lady that works in the office ( she usually checked me in when I used to see this XXXXt ) that the debt/fine should be removed, and that whomever insisted on charging it at this office should not have charged it in the first place. But this particular lady did not have the authority to do anything about it. 
Even though the office had been given notice that I could not make it, they claimed I did not give them notice - but I have witnesses here that were in my home ( and not just family members ) - that will attest that what this XXXX XXXX office is saying is untrue/inaccurate.
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (NY)

Today XX/XX/19 I received another denial letter from XXXX credit card ... uploading letter ) I called an explained that the information on my XXXX credit report is incorrect. I was told to contact XXXX directly and if corrected they can revisit my application. I tried to call XXXX XXXX it is impossible to speak to a human. Ive disputed these 2 negative items several times in writing. It is obvious they did not correct the problem. My equifax and XXXX report had investigated and removed these 2 items that are reporting negative. I am submitting this complaint because they are not addressing this issue. The only thing I received from XXXX was a letter they will not re-dispute these 2 items on my report. That is completely wrong ... .this information is incorrect and it is causing me a problem in obtaining substantial credit
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-08
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: Bridgecrest Acceptance Corporation (TX)

Good afternoon, I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. 

THE BRIDGE CREST CREDIT ACCOUNT IN WHICH WAS A REPOSSESSION DISPLAYED AN INSTALLMENT AMOUNT OF : XXXX, IT OPENED ON THE DATE OF : XX/XX/2012. WHY IS THIS ACCOUNT STILL REPORTING NEGATIVELY ON MY CREDIT REPORT? I HAVE NOT RECEIVED ANY RESPONSES IN REGARDS TO THIS UNFAIR ACCOUNT. PLEASE REVIEW CAREFULLY ALL THE DETAILS AND REMOVE THIS ACCOUNT IMMEDIATELY, AS FOR IT IS GETTING IN THE WAY OF AN IMPORTANT PURCHASE I HAVE TO MAKE.
Consumer complaint received 2017-12-02
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: OHara Holdings, LLP (PA)

On or about XXXX I noticed an unauthorized hard inquiry on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ. ( XXXX ) XXXX. After repeated phone calls to this place I finally got a hold of someone there and was told they have no idea why this was done. At this time I had no reason to apply fro any type of credit be it by a new card or a purchase/ Calls have still gone unanswered from this place. I spoke with XXXX and they said I can not get this removed even though they furnished the info to these people unauthorized
Consumer complaint received 2019-08-08
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. (AL)

On XX/XX/2019 I sent a valid dispute to Experian due to 22 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain, along with a postcard explaining the FCRA and their role directly violating FDCPA section 808 ( 7 ) which states communicating with a consumer by postcard is a violation. 

On XX/XX/2019 I mailed a 2nd request to Experian asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days. 

Experian has continued to violate my rights. First by ignoring my 3 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Experian updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Experian updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. Furthermore, they have decided to send communication to me via post card which once again is a FDCPA violation. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Experian did not comply with any of my 3 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I applied for a job and it turned out to be a fraud. 
On XX/XX/2018, While studying at XXXX  XXXX  University, I once decided to look for jobs through a website called XXXX, which is affiliated with XXXX and I could not join the website unless I use my student email, which has the XXXX domain in it. I stress that XXXX 's job website encourages its students to use XXXX to look for jobs. As I looked through the jobs, one caught specific job caught my eye ; it was a virtual assistant job for XXXX XXXX. I applied for it and got " accepted ''. 
On XX/XX/XXXX, I receive a check of {$1900.00} via mail from my " employer '', with a set of instructions that were texted through messages. I deposited the check into my Bank of America Checking Account and received the funds onto my checking account pretty quickly ; the instructions they gave me were to buy {$500.00} worth of XXXX cards to check for my loyalty to the company. 
Being a XXXX year old at the time, and recently moved to the United States, I was never warned or have dealt with anything like this, I had no experience with being used in such way. It was also my first time ever applying for a job, and as XXXX was what XXXX used to provide its students with jobs, I trusted the university and fell for the fraud. 
Later on the same day, they instructed me to wire {$1400.00} via XXXX to another XXXX in XXXX XXXX  XXXX, Tennessee. At this time, i felt that something was wrong, but I got scared and went ahead with it as I did not know what I was dealing with and I just wanted to get rid of the money. 
Directly after, I drove down to the XXXX police station and told them about what happened, and the kind officer explained to me that I was the victim of a fraud case that has happened to many students before me. I also went down to XXXX XXXX Police Department to report the fraud case. 

The next day, Bank of America then took funds equivalent to the check ( {$1900.00} ) out of my checking account, as it turned out that the check was not a real one, and directly closed my account and could not help me with the situation.
Consumer complaint received 2019-08-08
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)

XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$1200.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc (CA)

After contacting Harley-Davidson Financial Services and later CFPB regarding my issue of applying SCRA benefits ; my benefits still do not reflect on my online billing statement. I had waited for this to update and be resolved by the company, as I was still being charged beyond the 6 % interest rate per the SCRA benefits. 

Now they have reported my account as delinquent, which shows up as " negative '' on my credit report. I have tried resolving this with CFPB reportings, but HDFS continually fails to comply with both SCRA and CPFB.
Consumer complaint received 2019-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Notwithstanding allegations of fraudulent charges regarding Capital One account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, XXXX and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a XXXX 's Card that is managed by Capital One. I do not use the card frequently and have signed up for alerts when I have a balance and as a due date approaches. I did not realize that I had a balance on my card and it was due on XX/XX/XXXX. 

I received a call on Saturday, XX/XX/XXXX from Capital One at XXXX pm. I was unable to take the call. 
I received a call on Sunday, XX/XX/XXXX from Capital One at XXXX XXXX. I was unable to take the call, however I did listen to the voicemail on Monday morning. After listening to the voicemail, I concluded that I must have overlooked a balance on my XXXX 's card and immediately logged onto the XXXX XXXX XXXX and paid the balance of the card in full. I also contacted Capital One and indicated that the card had been paid through the website. 

One Tuesday, I received a call at XXXX and again I indicated that I had paid the bill and to not call me again. I received another collection call at XXXX at which time I indicated that I am being harassed and the person on the phone agreed. Subsequent to that phone call I cancelled the card.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc (IN)

This debt Is the result of identity theft. This case has been dismissed in XXXX County Court on XX/XX/18. I have advised this third party collection agency to cease communication on 2 separate occasions. I continue to get phone calls and emails requesting me to pay a debt that is not owed. I tried to contact this company again today after receiving another email. I was hung up on and aggressively spoke to by several different representatives. When I asked repeatedly to speak to a supervisor, I was hung up on. I am seeking legal representation for the abusive practices and collecting on a debt not owed.
Consumer complaint received 2023-04-26
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX account name and number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had 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 : States consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX  is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2019, I deposited a check made to my wife for {$3100.00}. Bank of America put a 9 day hold on the check and will not tell me why. We have been banking with them for 35 years and have never had a hold put on before. There have been zero issue on our end with the account.
Consumer complaint received 2019-07-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

In XXXX of 2019, I disputed a mark on my credit report being listed by XXXX XXXX and the dispute results came back as " verified and accurate ''. Thus, I wrote XXXX XXXX a letter asking for the records used to verify the debt. In fact, I specifically asked for a copy of the original contract and full accounting for the amount claimed to be owed. However, In XXXX 's response letter, I didn't receive neither of the requested documents nor did I receive any other documentation that validates this debt. Furthermore, in XXXX 's response letter, it is stated that I didn't provide sufficient or specific information that explains the basis for my dispute. This is false. Once again, my basis for the dispute is that I have no knowledge of this debt, thus, I do not owe the amount claimed to be owed. I have attached the documents that XXXX XXXX is trying to use to verify this debt. This document does not prove that i owe this debt. Thus, how could the results have come back as " verified and accurate ''??
Consumer complaint received 2019-08-08
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. (TN)

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 14 and 15 of the  attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

XXXX XXXX XXXX input the wrong information its out dated wrong address and reported incorrect information and did so with out my consent and I was not approved for an home because of these actions
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (NY)

I previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts 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 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 as a CRA. 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. 

INQUIRY 'S State Farm B Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX, XXXX