davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have contacted all 3 credit bureaus as well as XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due 1,206.00 ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened an account in Bank of America about 3 months ago. I got a letter from Bank Of America earlier this month informing me that my account is going to be closed without any further information. 
I requestEd a report from XXXX  and there was no negative Information in my report.
Consumer complaint received 2021-12-01
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: ACIMA CREDIT, LLC (NV)

XXXX has a XXXX  day late XXXX  days late on my credit file that has issues in which ACIMA claims they placed on my credit report Acima was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling Acima to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with ACIMA claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying XXXX place the info on there not them. 

I mailed them certified mail with no response to the issue
Consumer complaint received 2020-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have tried to dispute a charge from XXXX in the amount of {$220.00} on my Capital One Credit Card, due to XXXX refusing to release tickets to me that I paid for. I filed a complaint with Capital One in XX/XX/XXXX. I submitted documentation the first week of XX/XX/XXXX showing where XXXX decided to lock me out of an account due to a chargeback from a different account and credit card company, that had already been resolved. Months later Capital One still had not rectified the issue so I spoke to someone around XX/XX/XXXX who stated they would be mailing me a document that would explain the next steps I needed to take. I never received the document so I called Capital One again on XXXX XXXX and spoke with a Fraud & Dispute Account Manager named XXXX  ( XXXX ). According to him the only thing I could do was send in documentation showing that XXXX credited my account. If I had received a credit from them why would I be filing a dispute? XXXX stole money from me by not giving me a product I already paid for, and Capital One is acting in cohesion with them by refusing to dispute the charge. After months of dealing with the back and forth from Capital One, the account manager basically blew me off and told me to just go ahead and file a complaint since there was no one else there that I could speak with.
Consumer complaint received 2023-07-17
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: Freedom Mortgage Company (MO)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 602 A section 2 : it also states a consumers reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (OH)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Profit Services Group (GA)

The debt collector Profit Services XXXX calling for XXXX XXXX keeps calling my work number after I have asked on a couple different instances to stop calling me at work. Today they called at XXXX I told him that I asked him not to call this number and his reply to me was " I do n't care ''. I then hung the phone up on him. I can not have these calls at work.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have sent numerous requests to XXXX, Equifax, and XXXX   regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : XXXX  - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Equifax - XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 Bank of America refunded my account of {$5000.00} without notifying me, for a fraud that had taken place XXXX month prior. I happened to check my account that day and found they refunded the money but immediately let another fraudulent transfer of {$3000.00} occur before I had even realized my money was even there. When I called Bank of America to let them know what happened again they hung up on me. On the next call they refused to help me and referred me to a bank branch to be verified by a teller for the XXXX time this month. Luckily I was able to pull out the remaining {$2000.00} at the bank. Bank of America has complete access to the account. They know the account and the routing number that the XXXX transferred the money to but they refused to do anything. Instead they say they filed a claim and it could take up to XXXX days for them to make a decision even though this was about the money they never told me that they gave me back to begin with, from the claim I had already waited XXXX day to complete. This is XXXX XXXX Bank of America 's fault and I am growing very weary of their games. I've been trying to get my money back since XX/XX/XXXX. It is now XX/XX/XXXX.
Consumer complaint received 2023-04-09
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. (IL)

i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NE)

Over 2 months ago I demanded validation of the debt that PROFESSIONAL BUREAU OF  Collections is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I'm filing a complaint on National Credit Systems XXXX XXXX XXXX XXXX   XXXX, XXXX GA XXXX. 
After receiving a notice from National credit systems about owing them {$170.00} I contacted them by mail to informed them the debt did not belong to me and it was a result of identity theft. I contacted the credit bureaus ( XXXX and XXXX ) to report the matter after waiting for over 6 months I was told the item was verified with no supporting documents. I contacted them again and was advised to contact the federal trade commission. once I contacted the federal trade commission I was referred to consumer finance.
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (WV)

Enhanced Recovery Co L- disputed this company 2 years ago as a result of fraudulent activity. Debt item was removed as a result. They have re-inserted the debt unto my credit report and have re-aged the debt stating it is NEW. No previous attempts have been made to contact me neither by phone or letter advising me of this unlawful debt neither.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (KS)

My husband lost his job due to XXXX, and I was struggling to pay my loan. They told me that I could place my loan into forbearance status. I was approved yesterday for the forbearance. On that call I discovered that they added approximately {$30000.00} worth of fees to my loan. I believe this amount to be excessive. They told me that my payoff is now over {$130000.00}. When I began purchasing the home years ago, I started out closer to {$100000.00}.
Consumer complaint received 2020-05-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.
Consumer complaint received 2020-05-28
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. (CA)

There is an account from XXXX XXXX on my credit report that is not mine. The only reason I checked my credit report today XX/XX/20 is because I'm trying to buy a car soon. I don't know who this accounts belongs to or why its on my credit report but I have already filed a police report. I do not have any written/verbal contract with that company nor did I benefit anything out of that account such as money, goods, services or any other benefit and I did not take part in any payments made towards that account. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizen bank refused to pay an opening saving bonus of {$300.00} for a saving account that I opened in XX/XX/2019. I fulfilled all requirements for me to receive the bonus. I transferred {$15000.00} into the account in early XXXX and maintained the balance for at least 3 months. Can you please look into this case? Thanks Terms : Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

I have a concern regarding with my friends transaction ( sender ) depositing my money to my bank account. The sender sent the money last Friday XX/XX/2020 thru WU by her XXXX XXXX account, choosing the 0-2 business days transaction and I should be expecting the deposit here in the XXXX last XXXX XXXX. Tracking the control number that was given, it says its already delivered but I checked my bank account and still I havent received it. I even asked the manager of the bank if I do have pending transaction and sent a confirmation stating I do not have any pending one. I feel uneasy since the transaction says it was complete but I checked it how many times but theres none. I rechecked the bank details how many times but the inputs were correct. I tried sending emails, sending personal messages to WU social media accounts since XX/XX/XXXX but they did not answer. Yesterday morning, they tried to reach me asking my personal info and XXXX but that was only it. After I sent it, again I got no replies at all until now.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

apparently pnc made changes that prohibits my atm round -ups from being deposited to my XXXX  account. This has probably caused my account to grow much slower than it should have these past few months. I thought there should have been more money saved on acorn but just received a message from XXXX  informing me of what pnc was doing.
Consumer complaint received 2024-08-27
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. (NY)

I am filing a formal complaint against the XXXX major credit reporting agenciesXXXX XXXX, and EquifaxXXXX failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in addressing and resolving disputes I submitted regarding inaccurate information on my credit report. Their failure to investigate and verify the disputed information within the legally mandated timeframe has severely impacted my creditworthiness and financial well-being. 

Disputed Accounts : XXXX XXXXXXXX Account ( Account Number Ending XXXX ) : Reported with a balance of {$630.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Account ( Account Number Ending XXXX ) : Reported with a balance of {$54.00} on a credit limit of {$300.00}, and classified as a charge-off. 
XXXX XXXX Bank Account ( Account Number Ending XXXX ) : Reported with a balance of {$890.00} on a credit limit of {$500.00}, and classified as a closed account. 
Dispute Process : On XX/XX/2024, I formally disputed the accuracy of the above accounts with XXXX, XXXX, and Equifax, citing discrepancies in the reported balances, payment histories, and statuses across the XXXX bureaus. My disputes were sent via certified mail, and I provided all necessary supporting documentation. 
Non-Compliance with FCRA : The FCRA, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), requires that credit reporting agencies investigate consumer disputes and provide the results of the investigation within 30 days of receiving the dispute. 
As of today 's date, more than 30 days have passed, and I have not received any response or verification from XXXX, XXXX, or Equifax regarding the disputed accounts. This lack of response violates my rights under the FCRA. 
Impact on Creditworthiness : The failure of the credit bureaus to address these inaccuracies has directly harmed my credit score, limiting my ability to obtain credit, loans, or favorable interest rates. The inaccurate and unverifiable information remains on my credit report, further damaging my financial standing.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I obtained a copy of my credit report from Experian. After attempting to update my personal information that was reporting inaccurately, I received results in the mail from Experian dated XX/XX/XXXX. None of my personal information was updated, nevertheless, I noticed several accounts were reporting inaccurately and I knew specific accounts reporting was not mine. On my XX/XX/XXXX copy of my report, XXXX was reporting an account number consisting of 12 digits which I knew was inaccurate. However, I noticed that the account number was changed from 12 digits to 16 digits. I also noticed that XXXX was reporting an account number consisting of 12 digits and I noticed that the account number was changed from 12 digits to 16 digits on my XX/XX/XXXX credit report. After disputing my personal information a second time, on XX/XX/XXXX, I disputed four inaccurate accounts which were XXXX, XXXX, XXXX AND XXXX with Experian via U.SXXXX certified mail. Experian sent results in the mail dated XX/XX/XXXX deleting the XXXX  account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/XXXX, I sent Experian a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ) for the alleged verified accounts. On XX/XX/XXXX and XX/XX/XXXX, Experian responded and refused to provide actual proof as to how they verified the accounts. Their response letters just stated that the accounts were verified. Experian completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request. Due to Experian failure to properly investigate my dispute and remove the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.