davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: TD BANK US HOLDING COMPANY (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (WA)

To whom it may concern ; While checking my credit, I came across an account that states " it is closed ''. I called the Company, the first woman told me the " account '' has been sold to XXXX XXXX XXXX She transferred me over. I spoke to a woman on XXXX XXXXXXXX XXXX, she got a new address from me and said she would mail me a letter with information in regards to this account. She did keep repeating that the account was open and I owed {$980.00}, but the she also mentioned the account was for {$750.00}. 

I called Discover Bank and XXXX on XX/XX/2021 around XXXX. 

I have yet received any information in regards to these accounts. 

I called discover bank again today, XX/XX/XXXX, the Woman I spoke to was XXXX " XXXX ''. She mentioned they do not do reference numbers. I asked if she'd be able to sent me anything in regards to this account that they say is mine. XXXX mentioned they do not do that and that I can ask over at XXXX XXXX XXXX 

It has been well over a month, and yet I have not received anything.
Consumer complaint received 2021-07-07
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. (AL)

After looking over my credit report, I noticed inquires that I knew nothing about. I mailed Equifax a letter on XX/XX/2021 asking them to investigate these inquires. They mailed me back a letter stating they are factual. I tried to call to find out how and was not able to speak with someone and was given a fax number through their auto system. I faxed them a letter on XX/XX/2021 asking how these inquires where verified. I received another letter from them stating it was factual but no information as to how it was verified. I called again and was not able to speak with someone and was given a fax number. I faxed in another letter asking them to please inform me on how these inquires were verified.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called equifax for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from equifax and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with equifax. At that point I just gave up. I spent at least XXXX dollars faxing all my information to equifax for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

MRS BPO , LLC never contacted me but reported {$61.00} to all three credit bureaus - XXXX XXXX and XXXX XXXX and XXXX  have removed the collection, per my complaint. XXXX  has not removed the collection, to date. 

Original creditor, XXXX received their equipment on XX/XX/2020 ( Device XXXX and Device XXXX ) at the XXXX store # XXXX at XXXX XXXX # XXXX, XXXX, TX XXXX XXXX TRACKING # XXXX XXXX SHIPMENT ID : XXXX
Consumer complaint received 2021-07-07
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)

On XX/XX/2021. I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b and 15 USC 1666 ( b ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-03-24
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. (IL)

Will like to see proof that I was ever late on this account. XXXX I would like for this account to be update correct. XXXX XXXX say I was late please show proof I was late. All three credit reporting agency are showing different.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America prepaid had my debit card stolen back in XXXX of last year Bank of America finally fixed the case in the beginning of XXXX giving me my money back in the amount of XXXX. Today Bank of America issued a credit of XXXX to my account again and then took XXXX XXXX time out of my account. Leaving me now overdran by XXXX. The XXXX issued money to me after fixing my XXXX claim the had been suspended since XXXX of last year. I was able to get my money from XXXX of this year to present just last week. And now a week later Bank of America does this. I'm on hold with them as I am sending you this email. They are saying that the have no record of the XXXX  giving me my money back even though it shows in my app and bank statements that the XXXX has given me my money.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
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. (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2024-03-24
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. (FL)

I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. 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 XXXX XXXX XXXX. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : 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.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.
Consumer complaint received 2024-06-18
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: Larry H. Miller Group of Companies (OH)

PRESTIGE FINANCIAL, XXXX XXXX XXXX and XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

PRESTIGE FINANCIAL XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo supplied me with numerous different statements starting in XXXXAttached are those statements, with varying amount requests to bring account to current. 

Not once out of any of my complaints did XXXX, an Executive Resolution Specialist for Wells Fargo Auto verify payment or debt. Was the amount every other week {$2900.00} and {$1700.00} at 13.14 % = {$10.00}, XXXX + {$9.00} daily interest = {$45.00}, XXXX or pay {$28.00}, XXXX. So my payments were not ever going to principal, and I was charged a daily and varying interest on top of a {$13.00}. 

I was told someone would get back to me in late XXXX to verify what amount to pay Attached is Mr. XXXX response from XX/XX/2021, who said he would need more time researching, would follow-up with a reply XX/XX/XXXX, XXXX received a response that I was 120 days late after no follow-up, verification how much to pay, or get my account back on track. 

. 

Zero Wells Fargo Auto representatives verified how much to pay or followed up. 

Only aggressive scare tactics, misleading statements, calls, emails, correspondences trying to force me to pay $ XXXX up until XXXX, calls stopped mid-way through.
Consumer complaint received 2024-03-22
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. (NC)

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 any items which is found to be fraud 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. Please remove these items. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

The attached exhibits clearly display each violation of federal law against my consumer rights that XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for XXXX XXXX XXXX to have a line of credit extended to the corporation. XXXX XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( XXXX, Experian, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Beginning XX/XX/XXXX, I have been receiving harassment phone calls from a debt collector. I belive the name of the agency I have been given is Portfolio Recovery Associates. 

The debt they are attempting to collect is not valid and was removed from my credit report by all three bureaus after a dispute. 

This company has continued to harass me making up to 13 calls back to back repeatedly.
Consumer complaint received 2018-02-16
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. (FL)

I requested a report from exprian and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit
Consumer complaint received 2024-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Real Time Group, Inc. (CT)

On or about XX/XX/XXXX, I purchased my current home as a owner occupant. My lender indicated that I qualified for a HELOC, in addition to my mortgage loan, and I closed with 2 mortgages on the house. The HELOC was with XXXX XXXX. XXXX went out of business sometime in XXXX. For several years, no one reached out to me about the HELOC. During the recession, I refinanced/modified by first loan with XXXX XXXX  XXXX and continued to make on time payments for almost 20 years. 

I was recently notified that my HELOC with XXXX  was bought out by XXXX XXXX XXXX and Real Time Resolutions. They filed a Motion to have my home foreclosed. After some online research, I understand that these companies purchase old loans ( zombie loans ) and go after the homeowners ' property. I have not heard of XXXX XXXX  until I received the Foreclosure Notice from them. I spoke with a customer service representative about the matter, and she stated " home equity is up around the country and your house is worth a lot of money. '' If there is any help for home owners facing this kind of shakedowns by zombie loan predators, I would gladly appreciate it.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

*My name is : XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year> security freeze