davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (SC)

Wakefield & Associates mailed me a letter stating that they are a collection agency looking to collect a debt for a third party. They also stated in the letter if I dispute the debt they must stop collection on any amount I dispute until they send me more information. I sent 2 letters, one with a stamp ( XXXX XXXX ) and one certified ( XX/XX/XXXX). Attached is the certified letter return receipt. I mailed this dispute off XX/XX/ and I have proof with this return address receipt & tracking number stating they received my dispute letter, but claim they have not. However, according to the XXXX tracking history, tracking number : XXXX the letter was signed for and picked up at the post office XX/XX/. I have not received any response and therefore as stated in the original letter Wakefield sent me, they must stop collection on the debt until they send me more information. However, XXXX XXXX I was notified that Wakefield put a collection on my credit report, and I'm very frustrated. I complied with the letter request and my credit profile should not be compromised because of the mishandling of my dispute letter by Wakefield. I called and spoke with several Wakefield representatives and none of them was of help, all saying my letter was not on file, and had no knowledge of this being in dispute. However, on my credit report it says account information disputed by the consumer meets FCRA requirements. 
I would like this collection removed immediately.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (TX)

I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (GA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion.
Consumer complaint received 2020-04-15
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)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This company called my cellphone 3 times between XXXX and XXXX this morning XX/XX/2023. My phone is set to do not disturb so calls do not ring through during a specified unless they are repeat calls. In this case, with the repeated calls I'm being harassed.
Consumer complaint received 2023-10-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CT)

Was scheduled to move in to XXXX on XXXX on XX/XX/ in XXXX, CT. Arrived at the property on that day- it was uninhabitabe and unsanitary. Could not move in. Contacted the leasing company immediately, left messages, called all corporate numbers, no one would answer. Contacted the Department XXXX XXXX. They validated that this property was uninhabitable- had current investigations going on them. Left without ever getting the key or moving in. Contacted the company over the next 4 days - no return calls or emails. Finally reached someone in corporate - sent all the photos of the property that day- she agreed in writing that we were correct and she would forward it on to have the lease nullified and voided. The person who is was forarded to was very rude and said she did not agree and we owed a move out fee - even though we never moved in. 
We went back and forth and she would not budge. I got an attoryney who took over communications with her. The last communication was from my attorney saying they were in breach of CT codes and the matter was to be closed. We recieved no reply. The next thing that happened was I got a call for IQ Data saying I owed the debt of {$2100.00} - I disagreed and they said I had to pay or dispute. I got the attorney to send a letter to validate the debt. We received NOTHING from them in response ... and they sent it the credit bureau - we did not have the opportunity to reply or formally dispute the debt. Once I saw this in the credit bureau, I had my attorney call- and they were uncooperative. And said we could go to court.
Consumer complaint received 2023-04-26
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: Bread Financial Holdings, Inc. (TX)

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

XXXX XXXX accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 states I ha

ve the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any p
urpose.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They refused to explain the hidden fees, refused to tell me where my money was going and just said they were classified as hidden fees, and they expected me to just accept it at that. It happened so often that I had the number saved and would call so often about the situation that I ended up closing both my savings and checking account.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (NJ)

Equifax and XXXX refuse to allow update of Consumer Statement to reflect XXXX and XXXX XXXX  deceptive and fraudulent business practices. The account in question was deleted from XXXX. Arbitrary {$120.00} restock fee was imposed for a defective XXXX XXXX upon its return within the 14-day return policy time frame. I am not responsible for a defective phone, and the arbitrary {$120.00} restocking fee should be deleted from my other credit reports. The phone 's symptoms included overheating, running slowly, acted in unexpected ways, spiking data usage, poor battery performance, frequent pop-up ads of a phishing nature, and the apps crashed. XXXX apparently just wants to restock it to be sold to another unsuspecting customer. The phone was purchased on XXXX and returned on XXXX within the 14-day window given on the receipt.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$70.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I contacted XXXX via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/XXXX  my credit score was XXXX ( reference XXXX report # XXXX ) and as of XX/XX/XXXX  my credit score dropped to XXXX which is a decrease of almost 99 points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years. 

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.
Consumer complaint received 2023-06-10
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX
Consumer complaint received 2023-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (FL)

I believe the account is invalid. CAPITAL ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ACCOUNTS XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX reported a delinquent account i.e. XXXX on my credit report. This information was subject to an FTC investigation for indentity theft. More so, the information presented inaccurate and incomplete information. 

This information violated the Metro @ coding system standards and further violated 15 U.S. Code Section 1681e ( b ) ensuring that my report maintain maximum possible accuracy to protect my consumer rights.

In support, this account failed to ; rational truth of dates, terms and amounts payable ; see following.

1. There's no truth that I opened any account on XX/XX/2024. I was celebrating in XXXX XXXX at this time ; 2. This account does not possess any Past Due amount required by Metro 2 standards 3. This account does not provides any delinquent payments, Late payments nor charge off codes in the payment history. Violating established banking law.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-13
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Today, I called Experian ( XX/XX/2018 ) at XXXX. This is the phone number on the credit report that I should call to dispute an inaccurate item. I need to dispute a mistake. 

The automated service answers the phone and asks for my social security number. I punch it in. Then I have 2 options : 1 ) fraud or 2 ) order a credit report. There is no option to dispute the items. 

So I researched the web and found other Experian phone numbers. I called XXXX and got the same system and responses. 

Finally, I decided to call the original number ( XXXX ). I did not enter my SSN. By not doing this, I was able to press 2 different numbers and dispute over the phone. But, as soon as I got through, I got a wait time of 13-15 minutes. This is too long. I have 3 bureaus to dispute and this is way too hard. Experian just wants me to use the web. However, my situation is complicated and the web form only allows limited number of words. I need to be able to talk with someone.
Consumer complaint received 2021-08-26
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. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-10-19
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BOA PREPAID CARD OPERATION : MY Claim number : XXXX I am a victm of EED fraud. I filled a complaint with CFPB on XX/XX/XXXX against BOA prepaid claims department. 

I filed for EED benefits back in XXXX. The money that was rightfuly mines, was stolen from me be sacmmers who used my card to make unauthorized transactions and withdrew money from varies ATMS.I have filed numerous claims with BOA. BOA denied every one : " stating that I made or gave somone authorization to use my card. Which is unture. I did NOT make these transactions nor did I ever give anyone my personal information to do so. I made a police report with my local police department to document the fraud. I have requested BOA to provide evidence that they relied upon to make their decision. but they have failed to provide anything to me. I would like to see ATM footage or any proof to prove that it was me which they are stating. BOA states that I have " the right to request the information that BOA relied upon to deny my claim '' I have requested that information but have not got anythin! It's going on two years now. I have not recieved any of my EDD money. I have been experiencing great harship, I have been evicted out my home and lost alot. I need help to get my money back because BOA is violationg the law. BOA still denied my claim! BOA has continued to violate ( Regulation E ) Federal Electronic Funds Transfer Act.BY LAW, BOA MUST abide by their ZERO LIABILITY POLICY which is supposed to protect me, The customer from responsible for fraudulent transactions!
Consumer complaint received 2023-06-22
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. (OH)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX