davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

There are false accounts reporting to XXXX XXXX XXXX, and XXXX XXXX that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a young man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.
Consumer complaint received 2023-07-18
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-06-13
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

XXXX listed an account in my credit report that was more than seven years old and paid off. The listing was incorrect, so I called XXXX and was told that XXXX had no information on the account. I sent a letter to both XXXX and to Equifax, explaining the problem and disputing the reporting. XXXX wrote back indicating it had no information on the account and would report accordingly to the credit bureaus. XXXX and XXXX deleted the information but Equifax subsequently re-reported the information as having been 'verified '. I sent and faxed Equifax XXXX letters twice during the month of XX/XX/2017 and Equifax has taken no action. I understand that the law provides there is 30 days to conduct an investigation but when the information has been 'investigated ' in bogus fashion, I wait for the result, and then prove to Equifax that the information is incorrectly reporting, I do not see how or why I am required to wait another 30 days for another meaningless " investigation. '' XXXX and XXXX get it right. Equifax gets it wrong.
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EXPERT GLOBAL SOLUTIONS, INC. (NY)

This agency NCO FINANCIAL SYSTEMS is misrepresenting their company name, address and phone number.. when you call the XXXX number it really belongs to the XXXX. They are harrassing me with these different collection agencies because they can not collect on a debt that is not mine and was a result of Identity Theft which I am a victim of. XXXXXXXX was notified in XXXX 2015 that this account was a result of Identity Theft.They received all the necessary proofs via certified mail. In XXXX XXXX, 2015 I received a letter from a collection agency stating that this account was placed for collection and i must pay. On XXXX XXXX, 2015 I sent them via certified mail all necessary paperwork, theft report from FTC etc.they apparently turned around an sold the debt again to this NCO financial system because now on XXXX XXXX, 2015 I received yet again another collection letter from NCO indicating that I owe this debt. When I called the XXXX number that is on the letter, the representative " XXXX '' states that the company name is XXXX XXXX XXXX XXXX XXXX XXXX . How can this be if the letter has the address and name of NCO Financial Sysytems. Misrepresentation? And XXXX /XXXX was already sent the necessary legal paperwork indicating that this account has been a result of identity theft. Why are they still trying to collect on this debt? Another thing they also sent me the paperwork that was involved with the application process at the time of the theft occurance. The signature is not mine. I filled all necessary forms with ftc and police dept and have provided them with my notarized signature and they still try to collect. Why?
Consumer complaint received 2023-05-11
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2015-04-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

The original debt was to hsbc I settled the debt on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a letter from them that debt is paid in full acct # XXXX and have spoken with them and they say they own the debt I settled I have had several phone call from several debt collectors about this same debt but recently I received a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the same debt I gave them a call and told them that I had already paid debt and sent proof and I did get a letter from them dated XX/XX/XXXX that my dispute has been acknowledge and then I got an elert on my credit report that a company had put a collection on my account for the same debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I think we have no protection from debt collectors the XXXX company XXXX at least sent me a letter telling me about the debt but the other company XXXX XXXX XXXX I never received a letter from them the credit bureau just let them do what they want to do as long as they pay for their service as far as the company I paid the debt I think they are responsible for not reporting properly or selling the debt after it was paid I really need some help I have paid all my debt odd but this one wo n't go away so do what the government suppose to do and protect it citizens thank you
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

In XXXX I purchased a XXXX XXXX from XXXX XXXX and Financed by Wells Fargo Bank. I was studying for my XXXX at the time, so my Credit was very poor at the time. 
I was surprised when XXXX XXXX XXXX, the owner of XXXX XXXX called me within a couple hours of filling out an application called me to informed me that my loan was approved by Wells Fargo Bank... 

Within a couple of days of driving the Car it broke down. So I called the dealership and he said that since Wells Fargo made me purchase their insurance in order to protect them, simply bring back the vehicle and their will be no charge. 

To make this as succint as possible, what transpired after was a shocker. When I went back for the car, the dealership was empty, the owner had left the country. Sold my car to a Doctor who paid cash for the car that had gotten a loan for... 
I called Wells Fargo 's loan officer immediately who was unconcerned. only to later find out that were in cohut with XXXX XXXX. He simply said that he expect me to continue making my payments on time. That situation caused me to file for XXXX. 
Here is the problem! The Bank later located my car, repossed it, then auctioned it AND I PROMISE YOU UNTIL TODAY THE VEHICLE IS STILL REGISTERED UNDER MY NAME. 
I HAVE BEEN CONTACTING THEM SINCE XXXX ASKING TO AT LEAST REMOVE MY NAME, THEIR RESPONSE? THEY CANT HELP ME. IT IS MY RESPOSIBILITY. WHEN ASKED WHO THE PUCHASER IS AND WHERE IS THE CAR NOW? THE LAST FEW TIMES THEY RUDLY HANG UP ON ME. PLEASE HELP! I NEED YOU LIKE A STAR NEEDS FAME!!!
Consumer complaint received 2016-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc. (OH)

Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX account is in litigation and needs to be deleted from all three of my credit reports
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX Account:XXXXXXXX from XXXX has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information of the consumers. I have the right to dispute incomplete or inaccurate information on my credit report. 
This collection account reported on my credit report is inaccurate, this account is not belonged to me, I have sent several dispute letters to the creditor and your company to verify the accuracy of the information reported on my credit file and no action has been taken to solve this concern. See the attached file.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The unauthorized inquiries that I would like to dispute are as follows : XXXX on XXXX XXXX on XXXX XXXX on XXXX XXXX  on XXXX I have no affiliation with the companies listed above and did not provide them with authorization to access my credit report. As such, I believe that these inquiries should be removed from my credit report. 

Additionally, I would like to request that an incorrect address be removed from my credit file. The address in question is XXXX XXXX XXXX XXXX XXXX WI, XXXX. I have never lived at this address and have no association with it. Therefore, I request that this address be removed from my credit file as soon as possible. 

Enclosed with this letter are copies of supporting documentation, including evidence of my current address and identity, that clearly demonstrate that these inquiries and address are incorrect and unauthorized. I request that you investigate these items and remove them from my credit report as soon as possible. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate this matter within 30 days of receiving my dispute. I request that you notify me in writing of the results of your investigation, and provide me with an updated copy of my credit report that reflects any changes that were made. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

I had an auto accident XXXX, XXXX, and XXXX XXXX over the next 2 and a half years. After my doctors told me that I would never be able to work in my vocation again I canceled all my accounts XXXX XXXX. I filed with each of my loans and credit cards the payment insurance/assurance purchased through the respective creditor. All of these account are beyond the 7 years provided by FCRA. I was diagnosed with XXXX in XXXX XXXX. I have n't worked since XXXX and unfortunately living in Louisiana during XXXX XXXX XXXX. Than XXXX the XXXX XXXX XXXX XXXX XXXX XXXX. Each of these catastrophic event devastated our economy, add to that each of my medical issues. This credit report needs to be straighten out.
Consumer complaint received 2015-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (IL)

My XXXX year-old mother has been telling me for many months that someone is calling her house every day and then not talking when she picks up. I was visiting and saw calls from this number on her phone memory for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I googled the number and the company and there were many complaints from people and I got their contact phone number. When someone answered, I told him that I wanted to know why they were harassing my XXXX year-old mother. He told me they were looking for someone named XXXX with the same last name as my mother. There is no one named XXXX in our family. They just randomly chose my mother to harass because she shares the same last name with the person they want. They made no attempt to find out if he lived at the number they were dialing FOR MONTHS!!!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account XXXX, XXXX XXXX Account number, XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank offers store-specific credit cards. We have two credit cards, one for Lowes and another for XXXX XXXX. Both cards offer a promotional no interest for 12 months, and the Lowes balance is {$0.00}. When making my monthly payment for the XXXX XXXX card, it was applied to the Lowes credit card. That would mean that the XXXX XXXX card automatically incurs fees ( interest fees and late payment fees ). 

I suspect that Synchrony Bank is purposefully applying payments to the wrong card so they can charge fees. 

Note : The bank representative corrected it when I called, but it still smells fishy.
Consumer complaint received 2016-05-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (ID)

In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy. 
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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.