davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for 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
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXXXXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance XXXX {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$8500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-16
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. (FL)

I called Experian this morning on XX/XX/2023 to inquire about a missing account that should be reporting to my credit. I also disputed a few I inquires that do not belong to me. So, I received a emailed stating my dispute was complete. When I checked my credit I saw Experian had added multiple negative accounts and names of someone elses credit file to mine. They have completely destroyed my credit. Experian has maliciously and intentionally to do things to hurt my credit. There a several accounts and names that arent associated with me. Couldnt even dispute the names or some of the accounts because I was told if the name is associated with the account then its cant be disputed. Every time I call Experian they do something bad to my credit. My legal and only name is XXXX XXXX. I attached screenshot of what my credit report looks like. There are names that I have never been associated with. Experian took someone elses credit file and put it on mine. 

8 negative accounts 34 inquiries 37 personal information Was added to my credit file They intentionally merged my file with someone elses.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I sent a verification request asking for surety bond, original creditor agreement and collection verification. Sent request on XX/XX/year>. I found that their bond filed with XXXX XXXX XXXX XXXX is not valid. I sent this debt collector a copy of the bond showing cancelled. In Texas its required under Texas Finance code under Sec. 392.101 that a debt collector must have a active surety bond filed and registered with the XXXX XXXX XXXX. I did received partial information from debt collector regarding the debt but did not get Surety Bond information as requested or a copy of the agreement between the debt collector and the original creditor. I had my acting agent contact the the debt collector and they refused to give him any bond information and was in fact not compliant in his request. They did verify hos POA when sent. Their was no reason to not communicate about the debt and bond request I have attached his sworn statement Affidavit that has been notarized. I do not feel I owe this debt and feel the collection agency is acting in bad faith.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Greetings I had an account with XXXX XXXX bank I used to have a checking account and savings account I had problems with the atm cards and something else with a direct deposit of social security retirement benefits sent to the bank branchs My home address had changes in XXXX XXXX years since XXXX to XXXX calender dates My checking account and savings acounts in XXXX XXXX XXXX at this bank branch was XXXX XXXX Bank I had a XXXX  account Checking account Savings account XXXX  account XXXX  card account My past home address of problems were XXXX and XXXX XXXX and XXXX XXXX with this bank I use to like seeing people working inside a bank branch I would deposit my personal employment paychecks and my social security checks treasury checks to my personal checking and savings account each week and month for the years I had personal accounts joint accounts and inheritence accounts I did not own a safe deposit box I think my grandmother had documents in her personal account I really do not know I did not file affadavidts towards real estate property mortgage loans or credit cards I did not recieve a new atm card in the lost mail during the conflicts of love If there is money still in my account can the old XXXX XXXX  of XXXX XXXX bank refund credit or reimburse me XXXX XX/XX/XXXX my new social security number is the same as my old number my birthday is the same my home address is not here is my new address XXXX XXXX XXXX XXXX apt XXXX XXXX XXXX md XXXX my lovely beautifull XXXX  name is XXXX XXXX XXXX XXXX old accounts might be listed as XXXX XXXX XXXX XXXX XXXX XXXX thats my real legal name I had accounts with XXXX His name is is XXXX XXXX XXXX XXXX We both are reporting this we lost are atm card I lost my atm card I lost my checking account book I lost my savings account card all this was lost after XXXX and XXXX All accounts were closed at XXXX XXXXXXXX XXXX somewhere I did not have access to my personal money when a stranger filed a lawsuit against my financial account Please look at XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  and XXXX XXXX XXXX  I thought I had written a personal check those years I thought after paying rental fees and utilities I mailed a check to XXXX before the banks went out of buisness There were only a couple of banks there XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all those banks have disappeared from the areas of foundations of past I could not deposit any paper checks anymore when that bank went out of buisness I am filing a complaint I lost all my personal savings with that bank I just wrote a note about including credit cards I did not recieve a new card or bank statement written by XXXX XXXX XXXX dated XX/XX/XXXX I guess this is a late letter I lost property in a house and an apartment in my past I guess thats a real loss for me
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. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland credit management report that I paid a dollar when in fact they did this to rest time on debt I closed this account and another the same day XXXX XXXX and XXXX are both through same company XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (NJ)

Hello, I have a XXXX XXXX loan that was taken out in my name several years ago that I believe falls under the XXXX XXXX XXXX  class action settlement. The amount of the loan was for {$50000.00}. I have requested documents showing my signature and I somehow got access to their portal, but the documents do not show my signature and this loan was not taken out in my name.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from XX/XX/2021. Attached is the letter from XXXX XXXX XXXX XXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 2023-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I contacted Equifax regarding errors on my credit report and they failed to complete their investigation in 30 days. They illegally verified erroneous information without providing proof and without providing their procedures. They are non compliant to the FCRA and willfully report misinformation and deny my right to an investigation.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid 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)

There was a purchase made on my visa credit card for {$8400.00} on XX/XX/XXXX, but not posted to my account until XX/XX/XXXX. The merchant name listed for this supposed purchase is " XXXX XXXXXXXX XXXX '' in XXXX, XXXX ( XXXX ). 

On XX/XX/XXXX, I was in XXXX, and made purchases with that same ( and only ) XXXX  card in the XXXX airport ( all documented on my monthly credit card statement and attached ). I was NOT in XXXX and did not make such a purchase. I have my passport that proves where I was on XXXX XXXX, XXXX, and that was in XXXX ( entry/exit stamps also attached ). 

I filed a fraud complaint with my bank ( Bank of America ). They replaced my card, but have denied my claim 3 times now ( all within one day of submitting/resubmitting the fraud claim, so they apparently did not even look at the information I provided/faxed to them ). 

I have repeatedly asked for documentation of what was purchased, who was the merchant and for a copy of my signature ( which is required for use of my credit card ). I have not received any of these requested documents and the {$8.00}, XXXX has been removed from my banking account ( which I had to withdraw from my IRA account to cover, as I am XXXX XXXX XXXX and living on my social security/IRA ). 

It is bank policy that if such a large purchase is attempted, that some type of contact is made with the card holder to verify the purchase. That was not done and again, the charge was posted 7 months after the supposed purchase. 

Please look into this claim and the refusal of my bank to return my money for this clearly fraudulent charge. Thank you!
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Someone opened a fraudulent checking account under my name at Bank of America. 

The details I received in the email are as follows : Bank of America XXXX XXXX Banking Account # : XXXX They have changed the email address and phone number on the account, and placed 2 factor auth, so I can not access it.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Went to local branch to access safe deposit box. Was never asked for identification nor did I have to sign in or out of the vault. Anyone could have gained access to my key and completely cleaned me out. I demand that XXXX XXXX at the XXXX XXXX branch in XXXX, RI be terminated immediately along with her loser of a branch XXXX. I have moved my savings and checking accounts out of Citizens after more than 50 years and will never set foot in any of your banks again. Furthermore, I will tell everyone I know what a horrible institution you are. My accounts were previously hacked XXXX times in XXXX year and not XXXX was caught or corrected in a timely manner by your fraud or customer service departments. Your institution is dangerous, callous, and should cease to exist.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (WA)

I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on XXXXI check my XXXX credit report my score was XXXXXXXX XXXX employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXXXXXX XXXX XXXXXXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.
Consumer complaint received 2023-01-07
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (PA)

XXXX has deleted the account from my consumer report thus supporting my claim. Pursuant to section 623 ( b ) ( D ) I demand that this agency removes this item of information from all consumer reporting agencies immediately. Please see attached.
Consumer complaint received 2022-12-05
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. (CA)

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 XXXX CREDIT BUREAUS they are willful 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, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The company is reporting adverse information to third parties which has compromised my credit report and other reports that reflect information about me. 

The information has restricted my ability to obtain credit primarily for personal family and household purposes. 

When I entered the consumer transaction, I completed and submitted an application in accordance with Federal Reserve Act section 16. 

I was billed for several months in an attempt to collect a debt, without adequate notice that I had the right to dispute the debt. I should have never been billed. And should have received adequate notice which would inform me about the use of credit.