davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against equifax concerning their refusal to block derogatory information from my credit report despite my submission of verification that I am a victim of XXXX XXXX. The refusal to act in this situation has had a significant and detrimental impact on my financial stability and overall well being.on XX/XX/scrub>XX/XX/2024 I submitted a dispute to equifax with supporting documents and request to remove negative items off my credit report accompanied by verification documents that substantiate my status as a XXXX XXXX victim .which clearly supported my claim. ( FCRA ), specifically under 15 USC 1681c-2, mandates that credit reporting agencies must block derogatory information related to identity theft upon victims request.
Consumer complaint received 2018-09-07
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)

Last XXXX I identified fraud on my credit reports with XXXX. XXXX & Equifax. I reported it to my local police department, filed a report & received documentation stating the accounts were fraudulent. I also reported identity theft at identitytheft.gov & within a month XXXX & XXXX removed the accounts from my credit report but Equifax did not. I proceeded to submit multiple re-investigations with Equifax explaining to them that they were breaking United States Federal Law under the Fair Credit Reporting Act & the Fair Debt Collections Practices act but even after filing a re-investigation for the 8th time they denied my dispute. I asked the employee 's acting on the behalf of Equifax to identify themselves with their first & last name as well as their employee number yet they continually refused. I believe this activity to be illegal & would appreciate a quick & fair response to their refusal to do what is necessary under Federal Law.
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2018 my XXXX was stolen. 
On XX/XX/XXXX my Bank of America checking account was charged {$2900.00} to a XXXX user I did not recognize. 
On XX/XX/XXXX my Bank of America savings account was charged XXXX Trasnfer Conf # XXXX XXXX, XXXX for {$1200.00} These are both fraud activities. After the first activity I called Bank of American and they said they put a hold on my account for anymore electronic transfers but then the savings account activity happened.
Consumer complaint received 2018-09-07
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. (FL)

This account was never late or past due. This account was paid on time, every time XXXXXXXX XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX  XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later National Credit Systems contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

I one day noticed my paychecks were smaller and called HR. Then found out that there was a garnishment for {$4000.00}. I NEVER received notification. I called the lawyer who was doing it and they said it was for a debt from a bank in which I closed my account back around XX/XX/XXXX-XX/XX/XXXX and withdrew all my savings of {$8000.00} and asked the teller if we were good and she said yes. The bank had went out of business not long after. I asked what the debt was for they said an old account of a little over {$1000.00} with the bank. I told the woman I closed my accounts when I was moving and remarrying so did not see how and they never notified me of the debt to try to set up a plan or prove it or even of a garnishment. They have taken well over $XXXX XXXX  already and still harass me. They also told me when I called them that they have another debt from a XXXX bank with an old boyfriend. I told them I never had a XXXX XXXX account. And not with him either. I called XXXX and they said they NEVER showed me having an account either or debt. I asked them for proof and they refused and are threatening to garnish it too. This law firm is taking {$4000.00} from me and never notified me or provided proof on a debt with no evidence or even tried to work with me and I am a single parent dealing with XXXX and XXXX and they are rude and always threatening. Plus we are talking over 13 years old and a bank that is long out of business. Please help
Consumer complaint received 2018-09-05
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 have had on several occasions noticed accounts appearing on my credit file over the last 5 years an many times contacted the creditors as well as the Credit reporting Agencies involved in these erroneous posting. I was told that someone with a similar name accounts had merged with my own file and over time this was corrected.Recently, I checked my credit with the credit bureaus as I am about to purchase a home and open escrow in a week, but now I find I can not proceed with this real estate transaction due to accounts which I've never opened has appeared as though they were mines.These fraudulent accounts should never appeared on my file as they are fraudulent and misleading about my credit worthiness.
Consumer complaint received 2018-09-07
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: Phoenix Financial Services LLC (UT)

Phoenix Financial is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also. 
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine! 
I have disputed it with the bureaus and they have done nothing.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

My wife and I have a Chase Bank XXXX XXXX XXXX   Card. On Sunday, XX/XX/2018 my wife contacted Chase Bank via phone XXXX and spoke to a Chase Bank representative to apply accrued purchase rewards to a XXXX gift card. On Tuesday, XX/XX/2018 while reviewing our Investors ' Bank checking account online ( linked to Chase Bank ), we found an unauthorized statement payment of {$4800.00} to Chase Bank resulting our Investors Bank checking account to have a negative balance resulting in overdraft fees. We immediately contacted Chase Bank to refund the unauthorized payment to our checking account at Investors Bank. The representative agreed. We were informed this would take 3 to 5 business days. Any overdraft fees would need to be handled through a separate complaint with Chase Bank. Why would Chase Bank allow their employees to process unauthorized payment transactions that would eliminate all funds from their customer 's linked checking accounts?
Consumer complaint received 2018-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XXXX XXXX has double paid on the yearly taxes for our house. We have noticed that Carrington Mortgage Services , LLC did not recognize the payment at all and their still making us pay monthly. We didn't know that we did not have to make the payment and they were gone take it out over a 12 month period. We went to the XXXX Tax Collector and they told us that they sent our payment to Carrington Mortgage Services because their records showed that the taxes had been paid. They should have sent the payment back to XXXX XXXX. They told us that Carrington has our money, but they are saying they never received it. So far XXXX Tax Collector and a lawyer both tract the cashier check to Carrington Mortgage service. Can you help us get our money back from Carrington Mortgage Services. We paid with a cashier check from XXXX XXXX XXXX XXXX check # XXXX for the amount of {$3300.00}.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I applied and was approved for a XXXX XXXX XXXX credit card which is sponsored by Barclay 's bank. I used the XXXX  credit card to purchase excursions on the cruise which were discounted by 20 % if purchased with this particular credit card. For my general expenses, my XXXX XXXX debit card was on file and used for food, drinks and the spa. My ex-husband was also on the cruise and stayed in another room with his mother. He kept his debit card on file with the cruise for his expenses as well. His debit card was used and XXXX XXXX attempted to " force post '' certain expenses onto his debit card but his bank rejected them since he did not have enough funds available in his checking account. Because I have his last name, they forced the charges on my XXXX XXXX without my permission! When I called XXXX, they acknowledge they should not have done this but refused to remove the charges unless he presented them with a valid credit card. I told them not only do I not speak to my ex-husband to make such a request, but this is illegal! They can not just use a credit card they were never authorized to charge for someone else 's charges! XXXX XXXX is clearly committing fraud. I contacted Barclay 's, the sponsor of the card, and while they sympathized and agreed XXXX can not do that they actually told me to get my ex-husband to fill out a form with his credit card number and they can remove the charges from my account! I threatened to sue the bank and report them to the regulators and after fighting with the fraud department they agreed to submit the fraud dispute to mastercard but were unwilling to provide me proof that they would indeed handle this according to the law. The Barclays rep said that if they can not resolve the complaint within 90 days then I will be held responsible for my ex 's charges and should just sue him for it! I am appalled that they are doing this to people and are helping barclay 's commit fraud! i have attached my statement. as you can see I always paid my charges in full except I refuse to pay for charges not mine.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX. 

I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account. 

**Both letters are attached **
Consumer complaint received 2020-10-08
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)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX   XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2018-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (ID)

I received a Credit Alert from Equifax for a collection debt from BYL Collection for a XXXX XXXX XXXX bill which I do not owe. First of all, when I disputed this claim, I sent a letter to BYL asking what this was about. They sent a letter on XX/XX/XXXX with a bill accompanying the letter for a gas bill from XXXX XXXX with this information on it : XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX My name is XXXX XXXX and I live in Idaho. I have never been to XXXX, NV nor do I use XXXX XXXX XXXX which is not even available here in Idaho as far as I know. The correspondence was sent to my correct address with incorrect data. I am in the process of refinancing my home and this is a bad mark on my credit report. I need this removed. I see that my credit score dropped almost 100 points because of this. The reason I know this is because the bank sent the 3 credit report findings and XXXX is the only one listing this fraudulent claim. My scores are in the 700s for the other two and 600s for XXXX. I need this removed from my credit score and I am not sure what else I can do. Please let me know what you can do to help me. Thank You, XXXX XXXX
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An account from XXXX per XXXX XXXX was recently added to my personal credit report. This account is old and does not belong to me.It is also an old account that is no longer collectable or report-able according to Ca. law.I have tried to dispute this account at the Transunion website but I'm not allowed to access the dispute page. When I call and ask why, they give me the run around.
Consumer complaint received 2018-09-06
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: LEXISNEXIS (OH)

On XX/XX/2018 I requested method of verification from Lexis Nexis for inaccurately reporting a bankruptcy # XXXX. I was told by their rep that they call the court and the court verifies that information. Upon telling them the court said they dont verify ANY of that information they insisted that they called again and got the same response and was also told I would need to show proof. I then sent proof to Lexis Nexis via email in form of a letter I received from the court house stating they dont verify that information and they sent an email stating they received my letter from the court.They also asked if I had a FTC report and I started to send it to them. My thing is why are they asking for anything further when I have already sent them a letter from the court which would be the FURNISHER of the information??? The burden of proof is on them. I also asked for VALIDATION which means they should be able to provide proof in form of an original contract, promissory note, or some documents with my original signature which they cant because they would have done so by now. According to the CFPB and the FCRA they are violating my consumer rights. They continue to falsely report this bankruptcy on my file and its hendering me from obtaining credit.
Consumer complaint received 2018-09-05
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. (IN)

I don't understand why once again XXXX XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Consumer complaint received 2018-09-06
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: SYNCHRONY FINANCIAL (TX)

I got hit with an inquiry from SYNCB National Credit Cards/Airlines, and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle of contact _____________ who will then tell you to contact ______________. I finally figured out I could file a complaint with Consumer Financial Protection Bureau and they get it done.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (TN)

American Honda XXXX Date open XX/XX/XXXX to date of last payment XX/XX/XXXX they are not reporting any of my on time payments for this period. In fact the only thing being reported in the five year period is 30 days late which is incorrect and unverified. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it is not being reported the same. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation.

American Honda has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2016-03-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

The loan payment is due each month on the XXXX and the loan is interest free for 12 months. The loan was for XXXX XXXX XXXX. If payment due on a Sunday I pay the amount by phone on Monday, they charge me {$37.00} late fee! I tried paying online and there is no opportunity to do so! I called twice and was told if not paid exactly on the XXXX, I will be charged a fee. Please help, I have had credit since a young woman and never heard of anything like this before!