davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXL XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( XXXX ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit. I demand these accounts be Deleted from my credit report Immediately. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-07-25
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. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed with company online XX/XX/18 stating I did not have knowledge of account. The company updated account XX/XX/18. Having not known what that meant i sent via certified mail XX/XX/18, a letter ( example uploaded ). The dispute was opened XX/XX/18 and company again updated XX/XX/18 without the requested verification. XXXX  deleted the account stating meeting FCRA requirements XX/XX/18.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On Saturday XX/XX/XXXX I received a text message for my cash reward card ending in XXXX for a purchase of {$1900.00} at XXXX XXXX XXXX XXXX that was declined and asked if I authorized this activity which I immediately answered no and the card was canceled BOA sent out a replacement card, I had a family emergency that day when I got home and couldn't find either of my BOA card I freaked out and checked on my mobile app where I found the same charge with same merchant same dollar amount went through on my other BOA travel reward card ending in XXXX, I immediately called BOA over the phone and reported the unauthorized activity, explained that both cards were not in my possession along with the cardholder I kept them in, the agent filed the claim and replaced my travel reward card. It is ridiculous how the {$1900.00} triggered the alarm the first time but went through right after with another card, if I received the fraud alarm for this {$1900.00} charge on my travel reward card, this charge would never make it through! More ridiculous, on XX/XX/XXXX I received a letter from BOA saying they were unable to refund me because the merchant provided documentation that confirmed I received the merchandise & services. How is this even possible? I don't even know what this {$1900.00} have bought, how can I receive something purchased with a card that was not even in my possession that I have no clue what those were? It is unlawful for the consumer to be liable for unauthorized purchase, I have been a faithful client of BOA since XXXX, but if this is how BOA protects it clients, it leaves me no choice but take my banking elsewhere and take necessary legal actions to protect myself.
Consumer complaint received 2023-07-25
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-12-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (PA)

Was in the process of acquiring an itemized bill from XXXX XXXX when the debt was transferred to Debt Collection Agency ( XXXX XXXX credit management company ), attempts were made on several occasions to contact the collection agency to inform them that the debt was being disputed but no contact was possible. Since this time debt collection has sent robocall at a minimum once weekly for over one year with no option to contact a human through the call ( an automated message simply gives a number to call with no option to be transferred to a representative ). Upon calling the referenced number youre met with lengthy wait times and frequent crashing of the system. Several attempts have been made to resolve this issue but have not been able to reach representative.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX 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 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I don't recognize many charges from XX/XX/2023 - XX/XX/2023 with total amount of {$12000.00}. 
I filed a dispute with my bank, which is Bank of America, however my dispute was denied.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

My name is XXXX XXXX XXXX. I received a dark web alert from my XXXX credit report. The alert is a collection company Vance & Huffman , LLC stating that I opened a loan this year in XX/XX/2023 for {$2600.00}. The collection company stated the original creditor is XXXX XXXX. I did not open a loan with this company nor two or three years ago. The collection company is lying and committing fraud. This is the second time this collection company reported fraudulent information stating I opened an account. Could you please investigate this information? My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My previous address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Ca XXXX. Thank you.
Consumer complaint received 2023-12-16
Product: Credit reporting 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. (IL)

After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.
Consumer complaint received 2023-12-16
Product: Credit reporting 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)

After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (NE)

I have paid two and three payments per month on my mortgage note Loan Number : XXXX with Truist bank and they are prepaying/taking interest on those extra payments rather than applying it to principal correctly. My principal balance is not going down even by the normal amount of one payment from statement to statement. I am requesting a full-audit of my mortgage loan by a 3rd party. This is the worst banking experience I've ever had to deal with and the last time I called Truist, I told them again over an hour and a half conversation, the principal balance isn't going down per my payment history from statement to statement and they are taking double and triple interest payments. I didn't have any payment due until XX/XX/XXXX. I made a payment earlier this week, all toward principal. I received an email today saying my XX/XX/XXXXXXXX  payment is past due and my principal balance went up again, not down, despite just paying over {$1600.00} principal payment. 

I want my entire mortage payment history audited and I don't want it done by their incompetent customer service workers on the phone who continuously create an even bigger mistake than the first one I reported. In looking at my online statements, it's obvious, they're taking my money and not reducing the principal balance accordingly. 

On one of my statements, it showed my interst portion of the payment was under {$200.00} and now they're all over $ XXXXmonth - this is indicative of my principal balance going up not down - this bank has never gotten it right. I need my entire mortgage audited for proper application of my payments to principal and ensure my principal balance is accurate because I can tell it's not even close. The latest response to my complaint from the bank is to issue me a late payment without notification today, when the last time I looked at it earlier this week - no payment was due until XXXX, XXXX  -- yet the principal balance didn't go down!!! Please help.
Consumer complaint received 2024-03-12
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: National Credit Systems,Inc. (OH)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have sent proof to NATIONAL CREDIT SYSTEMS that XXXX has admitted to my data being sold and bought illegally and they have refused to provide the burden of proof that i owe NATIONAL CREDIT SYSTEMS the debt.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX replied that I have signed the service contract XX/XX/2023. 

I contested that it was a voidable contract to the most : a ) XXXX XXXX never informed me orally that the dentist was out-of-network, b ) nor included in the contract the fact that the fee charged will be {$2800.00} ( {$1800.00} more than I would be charge from an in-network dentist based on a reply from XXXX XXXX in a follow-up inquiry ) , c ) XXXX XXXX misrepresented the service contract for excluding the description of an out-of-network service- and demanded an extra {$1800.00}. 

Barclays Credit Card sided with XXXX XXXX ( Barclays did not admit/accept my argument of the misrepresentation of the service contract presented by XXXX XXXX ) Barclays Bank DE XXXX Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax : XXXX
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRUIST FINANCIAL CORPORATION (PA)

The concern is with TRUIST BANK IN XXXX XXXX XXXX XXXX the occurrence as to date XXXX XXXX XXXX is not being Mey in spite of documents being signed and submitted as XXXX. The nuance of emails that were to be sent has not been adhered to.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1500.00} XXXX XXXX XXXX Balance : {$700.00}
Consumer complaint received 2023-12-16
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. (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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX  Account XXXX This account reported a late payment on ( XXXX, XX/XX/2023 ) the company Agree to remove the late payments from my report and change it to Never late. The account status should be never late. Please remove any late payment on this account
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Stellantis Financial Services US Corp. (LA)

I recently purchased a house a few years ago and unfortunately I came across some damages that really needs some attention. I wanted to refinance my house to see about using some of my equity. I had to review my credit report in order to do this because my lender said it would be best if my scores were better than when I initially purchased. Upon checking my report I noticed some inquiries that I did not recognize. I have no knowledge of several Hard Inquiry on my credit report. According to 15 U.S.C. 1681 law states they have to be removed immediately, it is defamation of my character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (MS)

Kickoff Lending LLC was reporting my account as a charge off. I filed XXXX XXXX bankruptcy on XX/XX/23. I included this account in my XXXX XXXX. My bankruptcy was discharged on XX/XX/23. On XX/XX/23, Kickoff started reporting late payments and a past due balance of {$4.00}. I never received any money or products from this company. It's a " credit building '' company that gives you a credit limit and you pay {$2.00} or so a month and they report payments. I have reached out to this company and after I emailed them they changed the account on my XXXX report again. It's like it's out of malicious intent.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (MI)

They Keep providing Information that is not relevant to what my concerns and Questions are? I have Attending court they mail me the same information over and not yet not what i have requested.

This need to go father what others steps are there that i can Take at this point court has not been helpful even the judge agreed that the price was not going down no valid reason as to why the prices keeps going up yet he still agreed with them because he always does he is being paid by the debt collectors.

I am Not giving a fair change or reasoning as to why they are reporting inaccurate information on my credit reports this is actual damage and effective my life. This debt is not current this is not a new debt yet they are reporting this debt as recent debt, taking my money with no notice it should have been sent certified mail and i should have had to sign and made aware of my taxes and wages being took. 


This has been a on going problem and i am not looking for a responses from them looking for a solution, want them to stop reporting inaccurate information on my credit report, the amount is inaccurate, wage and taxes have been took and the amount should be going down not continuously going up, why am I being charged interest and can this stop? What can be done to stop garishment of taxes and wages, can we come to an agreed settlement amount where interest is not continuously being charged and going up. 



I am Currently not working injured and have a disabled XXXX coming up in XXXX. I need my income taxes and do not want them to garnish them, how can this be stopped? What is a solution, can it be mailed to me, This is effective my life and lively hood and just because they are responding with lawyers doesnt make it right. This was my car my property and it was stolen and took from me illegally, with unfair and unreasonable, and illegal possession and practices and they continue to ruin my life and cause damage with incorrect, unfair information and harassment and garnishments. 




They had dont and are doing illegal practices and taking advantage of poor people this was reporting as a Charge off, has been charged off yet Im still being harassed and garnished and every time i apply For something it is reporting as a new account or recently delinquent account. The numbers are not correct the amount is not correct. How can this debt keep changing dates how is this possible? This needs to go farther what are the next steps please do not close this because they reply incorrectly information. Need valid clear solutions, what can be done to stop incorrect reporting, changes of the date of the debt, the amount of the debt, how can the garnishment be stopped, can we come to a settlement amount?