davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
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: Professional Placement Services, LLC (FL)

O n  XX/XX/XXXX  I open ed a dispute with   XXXX   regarding medical collection accounts that are not mine. I am a   XXXX   veteran who gets medical care from the Veterans Administration. I also contacted the company, the DOB does not match me, neither does the SSN. I requested copies of the alleged bills - they were not provided as it would violate the individuals privacy, the one the bills did belong to. The dispute came back as verified, I appea led on   XX/XX/XXXX . This makes no sense, I can not get copies of the bills because the information does not match me, but it stays on my report anyway. I lost the appeal, said verified again. I contacted the company again, still refuse to provide me the bills because my SSN and DOB do not match the data. The company is Professional Placement Services. Date of service is unknown, but appears to be  XXXX . There are  XXXX  accounts,   XXXX   for {$320.00}, then  XXXX  others at {$100.00} each. I have that listed on my report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-15
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-18
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. (MD)

Incorrect information that has been disputed since   XX/XX/XXXX .  False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In   XX/XX/XXXX - XX/XX/XXXX  , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for   XXXX   and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.
Consumer complaint received 2023-03-28
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. (CO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

To whom it my concern, I am writing to update/correct my personal information on file with your company. 

Please Update my address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX only social security number is : XXXX My only correct date of birth is : XXXX My only employer is XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is another manifestation of XXXX, XXXX, XXXX. 

I deposited a cheque on Friday XX/XX/XXXX for {$3500.00} My account was overdrawn by bank oaf America by $ XXXX. 

On Saturday cheque was realized and account had positive balance of {$3000.00}. 

On Friday afternoon, I got a call from Bank of America saying they are closing my account and they tried calling a number XXXX XXXX XXXX and there was no response. 
Me and my wife visited Bank of America branch on XXXX XXXX and established our identity as well as they validated us by sending a text message to my primary mobile number XXXX XXXX XXXX. 

They said they will not disclose the reason they are closing the account as it was their business decision. Their business must not effect my personal finances. 

I initiated a transfer of {$3000.00}, leaving {$540.00} in my account to cover what they over drew ( i.e $ XXXX XXXX. 

They initiated the transfer at XXXX XXXX today morning as scheduled and they put a hold on the deposit I had in my account. 

This resulted in a overdrawn account of XXXX. 

They should have cancelled the transfer when they put the hold on deposit. 

Processing Transaction layer DEBIT/HOLD ON XX/XX/XXXX VIA WEB activity type debit status type icon pending Processing. Select to mark activity type debit XXXX DEBIT/HOLD ON XX/XX/XXXX VIA WEB as Reconciled XXXX XXXX Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA as Reconciled XXXX XXXX Details of hold : -- -- - Forwarded Message -- -- - From : Bank of America Alert XXXX To : " XXXX '' XXXX Sent : Monday, XX/XX/XXXX, XXXX XXXX PDT Subject : We placed a hold on your recent deposit Bank of America. 
We placed a hold on a check you deposited by Mobile Check Deposit. The full amount isn't available yet. 
PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Total deposit : {$3500.00} Total amount on hold : {$3500.00} Date of deposit : XX/XX/XXXX Hold Details Amount on hold : {$3500.00} Hold reason : A hold was placed on your check ( s ) because check specific information indicates item may be returned. 
Date Available : XX/XX/XXXX by XXXX XXXX
Consumer complaint received 2023-08-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (TN)

I have an imposter acting like a speedy-cash representative and they keep e-mailing me threatening to take me to jail I have already given them the e-mail address of the scammer I get them every week several times, Speedy Cash is aware of the scammers please contact speedy cash! 
THANK YOU! 
XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the following items will be deleted ASAP. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Date : XX/XX/2020 Amount : {$70.00} I was scammed out of {$70.00} via XXXX using my citibank account. I was promised goods that were not delivered. When I tried to complain with my bank they told me there was nothing I could do because according to them " I authorized the services '', I realized I had been scammed 5 mins into the transaction and immediately tried to contact them in hopes of being able to cancel the transaction but they had an extremely long wait time and no option of being able to cancel the transaction. They have all the details, persons name, phone number and bank account but still failed to investigate further, I been a long time customer and feel that they shouldnt be offering XXXX if there is no type of protection for their consumers.
Consumer complaint received 2023-08-05
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: Nelnet, Inc. (TX)

Nelnet is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting Nelnet to refund the full balance of my account. 

Under the Family Educational and Privacy act my financial information should not be shared with anyone.

I am now opting out of any consent you may think you have.
Consumer complaint received 2020-07-27
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. (TX)

FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS
Consumer complaint received 2023-01-03
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX I have never owned a credit card from them. 

DID NOT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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. (ME)

XXXX PLEAE DO NOT ALLOW XXXX XXXX TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


XXXX XXXX issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX  and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with XXXX XXXX  and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

XXXX did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXXXXXX 

This is, and never was my account. I can lose my security clearance and my job due to XXXX XXXX XXXX multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion XXXX XXXX for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

On XX/XX/23, I filed complaint XXXX that Experian had falsely told XXXX XXXX that I have " too few accounts currently paid as agreed. '' I have no accounts unpaid as agreed, as even Experian 's records showed. 

On XX/XX/23, I received an email from you that Experian told you it was working on the issue. 

Also on XX/XX/23, I received an email from Experian that told me my dispute results are ready. When I went to the link I received a notice ( both attached ) that " Your dispute results are currently available online ''. When that notice remained after two days I called Experian at the ( XXXX  ) number given and, after 10 minutes of voicemail diversions, I finally spoke to XXXX who told me that no results would be given on line and they Experian isn't doing anything to correct their records or let the creditor know they were incorrect. 

Attachments in one pdf : ( 1 ) Experian 's email saying that the results are ready ; ( 2 ) Screenshot saying results are not available ; ( 3 ) original XXXX notification that they'd been told by Experian that I have accounts unpaid as agreed.
Consumer complaint received 2023-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
Bank Of America credit card inquiry on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XXXX
Consumer complaint received 2023-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery calls me on holidays, weekends, and violates my rights by the Fair Credit Act. They have repeatedly called me before XXXX and after XXXX. They do not follow the rules. They harass me on a daily basis, even after blocking the number every time. I have proof of times that they have called by taking screenshots that were outside of XXXX. I'm sick of them breaking the law. They need to be stopped.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX CO inquiry made XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
3. XXXX XXXX  inquiry made XX/XX/XXXX XXXX XXXX XXXX inquiry made XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquiry made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX inquiry made XX/XX/XXXX 9.  XXXX inquiry made XX/XX/XXXX 10. XXXX XXXX inquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX inquiry made XX/XX/XXXX
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MS)

On XX/XX/XXXX i purchased a XXXX XXXX sonata from XXXX XXXX XXXX which financed through Westlake financial services. total price for the vehicle was XXXX, i paid a total down payment of {$2800.00} for the vehicle and insurance which was required I make a payment of $ XXXX monthly. I never had a problem with the financial company or the car until the engine has gone out 2 months ago, i contacted Westlake about the vehicle and they told me it was nothing they could do and he also told me he could see that the vehicle was leased with no warranty. also I had the vehicle XXXX months and it shows on my account i still owe an amount of XXXX. I've ask why does my account says i still owe XXXX i was told they doesn't know why it says that and put me on hold almost a XXXX i was also told the reason why the loan amount still says XXXX is because i made all payment after the due date which was the first of each month, and was paid towards Entrance. I've paid my car note each month a couple days after but none of this is making sense to me. i was treated unfairly because they said they could not help me with anything.! after telling them i was going to report them i was put on hold XXXX and told they could only bring my account to current because its almost XXXX XXXX late..! after explaining that it wouldn't help because i can not drive the car because it doesn't run, days after the engine went out i begged them to help me out a little, it got to the point where i offered them to come pick it up and yet it still sits outside..! I've took a total lose dealing with this company. I've asked couple i get my BLANK PAYMENTS back for those months plus down payments and was told NO..! im being treated so unfairly and i will like someone to take actions.!
Consumer complaint received 2023-04-01
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money.

My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame.

I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.