davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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. (IL)

Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX experian has me at a score around XXXX. That is a huge difference. experian paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A fraudulent account was set up in my name by a company named XXXX ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for Equifax, XXXX, and XXXX. I immediately contacted XXXX again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though XXXX is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX
Consumer complaint received 2021-10-19
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. (WI)

On XX/XX/XXXX we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were given EXPLICIT instruction to run credit with XXXX XXXX ONLY. Instead, credit was run with a number of finance companies without WITHOUT AUTHORIZATION : XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX. On XX/XX/XXXX we sent a letter to XXXX XXXX XXXX to address these concerns as the hard inquires were negatively impacting our credit files. On XX/XX/XXXX we received a written response back from XXXX XXXX XXXX acknowledging this misunderstanding, stating they did not have the capability to remove inquiries from a credit bureau file ; we would need to work directly with the credit bureaus. On XX/XX/XXXX we sent written request to the XXXX, Equifax and XXXX to remove the XX/XX/XXXX inquires. A copy of the XX/XX/XXXX response back from XXXX XXXX XXXX was included. To date, the unauthorized inquires remain on our credit reports.
Consumer complaint received 2021-10-19
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: LEXISNEXIS (AL)

I sent a letter over 60 days ago to Lexis Nexus about inaccurate, incorrect bankruptcies they are reporting on my consumer report to XXXX, XXXX, and XXXX. This company is in violation to ( 1 ) my right to privacy as I have contacted the court and was advised they DO NOT report any information the THIRD PARTIES. ( 2 ) I never gave you permission written or oral to report anything on my credit report which is a complete VIOLATION of 15 USC 1681A ( 4 ) ( b ) ( 2 ) which is to respect my right to privacy as a consumer. Violation # 2 Under 15 U.S. Code 1681b- Permissible purpose of consumer reports which means you had no right to utilize my report as this was not for unemployment nor insurance. I have failed to hear any response from Lexis Nexus and I'm tired of my request being ignored. It has been more than enough time to respond to me and this is a violation under FCRA.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company Portfolio Recovery Associates acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.
Consumer complaint received 2021-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. i DID RECEIVE A RESPONSE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY DISPUTE. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (CT)

I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2021-10-19
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. (NV)

On XX/XX/XXXX  at XXXX XXXX, I spoke with XXXX XXXX  via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT ADJUSTERS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Equifax was forwarded an identity theft affidavit in which they had four days to remove, block it. They have done nothing but sent me a letter stating that they refused to block it. this was not sent in error, and a copy of my id and social security was sent along with it.

1. THE INFORMATION I PRESENTED TO YOU WAS NOT BLOCKED IN ERROR 2. THE INFORMATION I REQUESTED IS IN THE FORM OF AN AFFIDAVIT OF FACT 3. IF YOU BELIEVE I OBTAINED POSSESSION OF GOODS AND SERVICES, OR MONEY AS A RESULT OF THE TRANSACTIONS I NEED A SENIOR EXECUTIVE MEMBER OF THIS COMPANY TO PUT IT ON AN AFFIDAVIT SIGNED UNDER THE PENALTY OF PERJURY AND NOTARIZED.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXXXXXX  XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with TRANS UNION, XXXX, XXXX  the also have records of file the are wrong.
Consumer complaint received 2021-07-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flatonia Investments, LLC (DC)

I received e-mail notices from various credit bureaus that my mortgage was late/delinquent. 

I attempted to log into XXXX  and the system would not allow me to log in. I followed the options to : 1 ) Forgot username, and input my loan number and last 4 digits of SSN, 2 ) Picked forgot password to try to reset my password, and 3 ) attempted to create a new account. All three options failed - XXXX  system would not notify or e-mail me any details about my loan. 

During a call today, XX/XX/12, at around XXXX eastern, I spoke to XXXX XXXX XXXX basically accused me for not having my " profile '' set up correctly with XXXX. XXXX said that I must have XXXX not send me emails about anything. I explained to XXXX that I felt she was accusatory - the issue is I could not access my loan details online. Even after obtaining access to my account, I followed the system 's " Forgot User ID '' prompts and XXXX still does not e-mail you. I tried to explain to XXXX that I believe this is an IT issue on their end that needs to be fixed. XXXX promptly hung up on me when I asked to be escalated to her supervisor. 

Due to my travel status and different time zone, I was unable to call XXXX during their normal business hours. 

XXXX has reported my loan as delinquent. I was on travel for 4 weeks. While I made an error with my bank account as it skipped the XXXX payment and I accept that issue. However, for XXXX to block the account without any communication, and claiming that my account was not blocked initially XXXX XXXX later relented and said she unblocked my account ). 

So I was forced not to pay my bill via XXXX  while I was on travel - I had to do it with my bank.
Consumer complaint received 2020-12-29
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. (DC)

XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XX/XX/2019. This data was sent to XXXX, Transition, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.
Consumer complaint received 2021-01-22
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2019-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MD)

I receive numerous calls from a couple of different numbers claiming to be collecting for American Express. The " representative '' ( XXXX XXXX ), with a heavy XXXX accent, left a voicemail message. The message claims that they are trying to collect on an old account with a balance of {$5100.00} and that they can settle the account for {$2800.00}. Once I did not answer or return the initial calls then the " representative '' proceeded to call me back to back from one number 5 times ( within a two minute period ). Then the " representative '' proceeded to call me from yet another number ( It sounded like a cell number while riding in a car or on a train ... I could hear the wind in the background ). On this message she, the same woman, left a totally different name XXXX XXXX XXXX, but she had the same heavy XXXX accent. She then proceeded to call me back to back from this cell phone 9 different times ( within a 6 minute time frame ). This is really becoming disruptive and a true headache. Please HELP!!!!
Consumer complaint received 2019-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I sent a letter to investigate this bankruptcy thats on My account. I asked that they VERIFY this information whixh they haven't. I sent it certified and notarized. Failure to not verify and or reapond is grounds for deletion. XXXX  has already deleted this. I don't want to have to take this to court but I will if this is not resolved ASAP.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: STERLING BANCORP (OH)

THIS STARTED IN XXXX OF 2020 STERLING NATIOAL BANK OFFER ME A LOAN OF XXXX AND I PAY XXXX FOR INSURANCE AND XXXX FOR XXXX THEN THEY WANTED ANOTHER XXXX SO TOLD THEM TO CANCEL MY LOAN ... .THEY TOLD ME I WILL RECIEVE MY XXXX BACK IN WHICH I HAVE NEVER RECIEVED IT BACK YET ... .I HAVE CALLED SEVERAL TIMES AND THEY GIVE ME THE RUN AROUND ABOUT MY MONEY.THERE NUMBER THEY CALLED ME FROM IS XXXX.I STILL HAV ALL MY CALLS IN MY PHONE FROM THEM ...
Consumer complaint received 2020-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ON XX/XX/XXXX Bank of America placed a balance hold on my business checking account totaling {$4000.00} then placed a total account hold/freeze on my account. 
After calling their customer service innumerable times to try and determine why, there was no resolution. I've spoken to multiple departments and tried to escalate the matter, and after a collective call time of about 5 hours, I was finally told that apparently my account was flagged for suspicious activity and is under investigation. I then spoke to the risk closure department and they said they are in the process of closing my account. I've requested to speak to the investigator/analyst who is supposedly still investigating, but they said they have no means of connecting me with them. They said the investigator will reach out to me but I have not heard from then at all. I have been a personal checking customer since XXXX, and a business checking account customer since XXXX. I am in urgent need of the funds in my account to run my business operations and this hold is affecting my greatly in these times.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (GA)

XXXX XXXX owner who opened a new account with square after applying online. Subsequently, I was sent a Square card with a Mastercard logo. Once the card was received and activated I immediately started performing transactions using the card and sending my current customer 's invoices. However, once my customers paid those invoices via Square and the monies went into my account Square placed the funds on hold. I very upset and confused because subsequent communication from Square asked me to send 3 months of bank statements and asked specific questions regarding my marketing material. I just opened a business account with XXXX XXXX but provided my personal bank statements where my customers would XXXX me for my services and products. Lastly, after three days I was told that my customers would have to use alternative payment methods so I basically just provided products and services for free to my clients. I am beyond disappointed and upset. I had to contact some of my clients to ask if they could pay for the products/services again using a different payment method. It was unprofessional and unheard of. Why would my account be approved and the card sent out to go through another round of arbitrary verification rules after money is being sent to the XXXX XXXX? The legitimacy of my business should have been challenged at the application stage. I have been in business for over 10 years and have never experienced a situation like the one Square has presented!
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

****please see my attachment*** I'm a little concerned about the way you're conducting your investigation on the negative items that i've sent in the last 4-6 months. If you noticed on the attachments, you will clearly note that it's impossible that you open a true investigation into each of those companies listed, because they continue to report incomplete, inaccurate, and unverifiable information. Nothing has legally been sent to me to validate the accuracy of these accounts listed. I've contacted each of those companies as well and open an investigation with them, but they continue to give me numbers to contact the credit bureaus by either phone or mail or their website. These accounts are in violations of FCRA and FDCPA and many other consumer laws and therefore, it's impossible that you could say that you conducted a true investigation. I don't want a general investigation through your e-oscar. I need to know who you contact in each of those companies and what documents they legally provide to you and what was the method of investigation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A fraudulent act was committed against my account. Despite the fact that i reported to Bank of America about the frauds, Bank of America refuse to take necessary action against the fraudulent/scammer account which are deliberately still active.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I opened a Mastercard account with Citi about 6 years ago. I rarely used the account as it was only to access specific concerts/events for my wife. About 6 months ago fraudulent activity was encountered ( someone called in a changed billing address ) and an entry-level attempt was made by another user to charge against the account. I wanted to close the account in XXXX of this year, but the Citi agent said " it would be better '' to issue a new credit card. Yesterday, a fraudulent charge of {$460.00} was placed against my card. I attempted to log in - the password had been changed. When I attempted to change the password, the phone number for verifying the change had, itself, been changed. I called into Citi and discovered that my home address had also been changed. I immediately attempted to close the account - and directed that any on-line access be terminated. I requested a confirmation of all of this, along with a statement that the account had no active balance. Citi has not confirmed any of this. At present, Citi is not extending a good faith effort to protect my PII.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. Experian is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. XXXX  is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.