davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consolidated Recovery Group, LLC (FL)

There is a collection on my credit report from XXXXonsolidated recovery group that is inaccurate and unverifiable I have requested the debt be validated and it cant they are unable to provide me with a contract that I signed and agreed to with my actual signature or anything that identifies me they claim there is a box on the bottom that I checked off agreeing and next to the box is an Ip address both contracts they provided are fraudulent the information is inaccurate and a investigation was done on the Ip addresses and neither of them belong to me My business or my address that confirms that they dont have any proof and can validate the debt so by reporting this on my credit report is violation of the FCRA and my rights to fair and accurate credit reporting
Consumer complaint received 2023-04-27
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. (IL)

My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my Chase card on time. 

However, I noticed that my statement had XXXX ) the wrong home address, as I had moved 100 miles away XXXX ) the wrong balance XXXX ) and the wrong authorized payment I have repeatedly called XXXX about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called racial slurs, and told that I'm a XXXX and a XXXX  by a receptionist at XXXX  ( I'm a straight cisgender man, but that didn't seem to protect me from discrimination ). I've also been told to go back to my country, even though I was born and raised in America. I've had XXXX employees make fun of my name, and told " my dead grandma is irrelevant to XXXX 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within XXXX about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since XXXX fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called XXXX Bank yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from XXXX, '' and when I asked for her office 's mailing address, she hung up on me. 

XXXX has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and XXXX orientation, and has refused to do report accurate information to the credit agencies. XXXX bank needs to be held responsible I have included the XXXX statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in Champaign in XXXX. And finally, I included the announcement of my grandmother 's funeral. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Two different occurrences of online banking accounts opened fraudulently with Bank of America within the last two weeks. Both accounts were active when I called to have them closed and report fraud. The bank employee instructed me to file a complaint with CFPB.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Coast 2 Coast Financial Group, LLC (TX)

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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, COAST 2 COAST LENDERS XXXX, 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.
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

In XX/XX/2024 up to XX/XX/2024 Ive been disputing this debt that creditor is reporting I owe XXXX and constantly harassing me for a debt I have no idea about Ive sent them certified letter since XXXX I havent got a response letter from them Im not pleased why they are doing this I feel emotional distress from this as much as Im concerned
Consumer complaint received 2023-05-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # 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. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Public record reported XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC (MS)

This company stated in complaint number XXXX that they would remove the 2 accounts that they listed on my credit reports. However, they have failed to honor what they said and remove the 2 accounts. This was the company 's response and entire statement on XX/XX/XXXX : " ARC Management Group only reports to one credit bureau, XXXX. If there are reports on any other bureau, the data was not supplied by ARC Management Group as we do not have an interface for reporting data to any other credit bureau. In good faith, we have removed the reporting to XXXX while this matter gets straightened out. As for the validation notices that includes your rights to dispute a debt, the notices were sent out as follows by ARC : ARC File # XXXX Mailed on XX/XX/XXXX, ARC File # XXXX Mailed on XX/XX/XXXX, ARC File # XXXX Mailed on XX/XX/XXXX, ARC File # XXXX Mailed on XX/XX/XXXX. Your account indicates that you did not have insurance at the time of each visit. Please contact us at XXXX or email us at XXXX to provide any coverage you may have had during your visits. Debt validation documents have been sent to the address we have on file. If you have moved or would prefer to receive the validation documents via email, please call our office. At this time, we request that you contact our office at XXXX to see what options are available to you to clear this debt. Thank you! '' Again, this is exactly whatthey sent me verbatum, but yet nothing has happened in almost 60 days! Please help me get these items removed!
Consumer complaint received 2022-11-26
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. (FL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: V and H Portfolio (CA)

I am a victim of identity theft. On XX/XX/2018, a transaction occurred with XXXX XXXX XXXX XXXX XXXX where someone took out a loan in the amount of {$500.00}. The bank shows XXXX XXXX  which I do not recognizing owning that bank account at that time. Also, the address shows XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  and I did not live at that location. I lived 2 hours away in XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. The person applying for this loan obviously did not and would not have known this. Another red flag here is that the loan was electronically signed at XXXX PST with an IP address of XXXX. 
This is obviously fraud and I had no knowledge of this account. It's been 6 years and I have never received any notification of this debt, but 6 years later, it miraculously shows up on my credit report and placed on my credit record. I need this removed and corrected ASAP.
Consumer complaint received 2016-10-29
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pinnacle Asset Management, LLC (CA)

Debt collector going by the name of XXXX XXXX XXXX XXXX, keeps calling my family members and leaving threatening voicemails. Their threatening voicemails include statements like " We are trying to locate him, and if he does not call us back we will take legal action. '' They leave threatening voicemails on relative phones in order to try and scare me into calling them. 

I have no idea who this " debt collector '' is, nor do they identify themselves as a debt collector which is a flagrant violation of the Fair Debt Collections Practices Act. Their threats are also a violation of the Fair Debt Collections Practices Act. 

I do n't want any further communication from this " debt collector ''.
Consumer complaint received 2023-06-14
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. (NM)

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. 

The letters are stated with items and issues. 

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 2023-09-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i am XXXX XXXX telephone XXXX i am permanent XXXX XXXX XXXX i started a small business LLC from my home office in 2018 and was doing my finances with bank of America without any issue/problem. 
all of a sudden said bank froze my balance of XXXX i have contacted bank so many times since then but they are not giving me any good reason and feels like after 3 months effort that they are not going to return my money. I am living on social security and this LLC money was helping me to buy my bread but now i am in a fix. Can you help me please? to get my money refunded and i have all the documentary proofs and tax return to proof that it is very much legal money and no one on gods earth can be a co owner. 

XXXX XXXX Email : XXXX. cell : XXXX
Consumer complaint received 2023-04-27
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. (LA)

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my Experian credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by Experian can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXXk XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (CA)

on XX/XX/2024 an unlawfully placed unauthorized inquiry was placed on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I applied for the save plan in XXXX and it was received. They asked for my pay stubs I sent them at the beginning of XXXX. I have gotten 3 different emails over the month saying I need to submit my pay stubs yet every time I call they say they have them. I submitted them on the website. I was put in forbearance in XXXX while they review my application, less than a week later my payment went from {$300.00} to {$2100.00}. When I called and asked why this happened the customer service rep told me she didnt know but I had to consolidate all my loans in order to qualify for the save plan. I called back because it didnt sound right and the next rep told me this is untrue. Thank god I didnt do it. Everytime I call they tell me my application is processing, but I get no updates and it is never completed when the rep says it is. I have been getting wrong information at every turn and it is very frustrating.
Consumer complaint received 2023-11-05
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NC)

During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, I've noticed additional incorrect information on my account such as unknowledgeable addresses listed on my file as well as place of occupation. I am a victim of identity theft, and I would like this information removed and updated with the correct personal information about myself. Please advise. Thank you in advance.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: V and H Portfolio (PA)

Vance and Huffman collection agency refused to send me proof of a bill. They told me that I owned. They told me they contacted me through email which they did not because I never received it and I've checked my junk mail folder. They told me they've called me but they've never left me a message. They speak to you like you're stupid and they're rude. And when you tell them that the that does not belong to you. They don't believe you and they think you're lying to them. I've had enough
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Agency , the companies listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FCRA 605B seems to mandate the removal of any incorrect accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates reported.
Consumer complaint received 2023-05-13
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. (GA)

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together My credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX  Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX  Balance : {$700.00} ; XXXX XXXX XXXX XXXX  Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX XXXX  Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} ; XXXX XXXX  ( Original Creditor : XXXX  ) XXXX  Balance : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX  Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX