davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-04
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)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Transworld Systems Inc is the collection that appears on my. CRedit report is show g this collection that is not mine.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under XXXX XXXX XXXX XXXX. And on XX/XX/XXXX, I sent a letters to Transunion, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus immediately.
Consumer complaint received 2023-07-21
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. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-04
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 am not showing up in the Equifax system, someone else shows up under my social security number and I am in the process of closing on a house and can not do so until this is resolved. I sent the documents to their po box in XXXX XX/XX/2023 and again XX/XX/2023 with no resolve. Equifax told me they had 3-5 business days to process the information and still have done nothing. I can not get any sense of urgency or help regarding the situation and everytime I call I get a different representative and there is no information to reference in regards to the timeline. 

How can I get this resolved in a timely manner or through fax? There has to be another way to resolve this. I have read many reviews that they have taken months or years to resolve this issue. 

I have several credit cards, a car loan, file W2 taxes every year and have had several different jobs with big corporations. I have had no issue with getting my credit from XXXX and XXXX. Equifax is the only issue. Please resolve ASAP.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was contacted by a debt collector about owing them money on an account that I did not pay. But I did not know anything about the account and that frightened me. I did some research and decided to look at my credit report for the first time. I am not someone that opens credit cards because I am not familiar with credit and how it is utilized. So I decided to not open credit cards until I understand what credit is and how I may utilize it. But after being contacted by the collection agency I went ahead ad did some research and viewed my credit report and I noticed accounts that I never opened were under my name. I contacted my local police department, and they informed me I would have to file an FTC report and a Police report. I also contacted the credit reporting agencies, and they informed me that I will have to file an FTC report submit that to them to resolve this issue. This experience is life threatening because someone has my person information and used it to open accounts.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (MI)

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 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 2023-09-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (FL)

This account was sold to third party company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$200.00} DATE OPENED XX/XX/2023 SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

XXXX XX/XX/2023, Financial Student Aid approved and letter was received XXXX XXXX. The agreement stated that the repayments were to start on XXXX XX/XX/2023 for the amount of {$180.00}. Mohela sent a bill on XXXX XXXX that stated that I was required to pay {$340.00} starting XXXX XX/XX/2023. I contacted Mohela on XXXX XXXX and received a callback due to high call volume at XXXX. I relayed my issue with the customer service agent and was subsequently transferred to another agent who related that they see the documents from FSA as well as the subsequent bill from Mohela on my account. The agent them related that I needed to reapply for an IDR which I refused and asked why the SAVE IDR agreement was not being honored. The agent refused to provide an explanation. I requested information in writing as to reason for the rejection of the FSA agreement. The agent placed me on hold and then returned stating that they will resubmit my IDR in their system and place my account on hold so that I do not have to pay the escalated amount in XXXX. I was also advised that my IDR from FSA may not be honored in the future. I advised the agent that this is possibly illegal practices and that as a servicer they are required to honor agreements from FSA and such threats should not be made. I advised agent that CFPB will be notified of this interaction as well as FSA and an ombudsman.
Consumer complaint received 2024-04-05
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. (NM)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Throughout my use of this account, I've maintained a track record of timely payments, never allowing them to lapse. I'm perplexed by the existence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.
Consumer complaint received 2022-12-08
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: ALLY FINANCIAL INC. (FL)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Avant Holding Company, Inc. (CA)

This isnt the first time theyve messed with my funds, but this was the last straw. Its not even over a lot, its only XXXX. Im just at my wits end with this bank. I had to call cursing and aggravated beyond hope, just so they would send me my money that someone was refunded toy old account while it was already closed for XXXX full days. Then when I call, theres nothing they can do, they can try to send it to my bank digitally and XXXX get an email. No email, no funds a couple days later. This is on XX/XX/XXXX. 
XX/XX/XXXX I call again and this time same rant, BUT we can mail you a paper check. At this point whatever gets the money out of my account because this is all I wanted. However the money shouldve been sent back or refused as is stated in the account closure email. Before this occurrence though, their support was no help with double charges or with funds not arriving. Overall Avant/Level bank is great, that is only if youll never have any problems ever, because they dont want to fix them.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Im a new banker at Bank of America I went in to deposit money into my account and I experienced race discrimination it was two lines one for business and one for personal it was no teller at the personal line so I went in the business line I was called to the window and the teller happen to be a XXXX woman Im a XXXX XXXX woman she says to me this is a business line personal is over there I said so you cant help me?? She says this is for business only so I was fine with that but as Im walking away she call the next customer which happen to be a XXXX  male that has a personal account just like me and she helped him with no problem I then asked for the manager I was pointed to her and approached her about my experience she didnt apologize or anything the manager said the bank teller helped the male that was behind me with the same account that I had the rules should apply to everyone I had to go out the line after waiting 20 to 25 minutes with 4 people in front of me which mean more time waiting the manager co signed on a employee XXXX
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (FL)

US Bank is not following guidelines for XXXX Force-placed insurance and charging individuals erroneously on flood insurance without processing a reminder notice under section XXXX 15 days before payment is required. The insurance in question is also at a rate 22 times higher than the base rate required by law - thus they are making roughly {$22.00} dollars of profit on every regular dollar of insurance being purchased - that has to be illegal and for the statement in their letters to say that if the insurance is purchased on behalf of the mortgage holder, it " MAY be more expensive '' is further illegal they should be required to say it WILL and at the rate that it is punitive.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/202XXXX XXXX
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I informed Smith Debnar Drake Saintsing & Meyers LLP That XXXX lied through their teeth. I had an agreement with them. I even had a XXXX XXXX scream at me over the phone. I refused to give them access to my bank account after they went in and caused over drafts fees WITHOUT PERMISSION. Other retired employees have had the same thing happen to them. They owe me {$71.00} for those fees and the hassle and stress with dealing with their employees. They cashed the checks fainal payment and paid in full. Now I don't owe {$3300.00}. Good luck you can't get blood from a stone. I barely make it as it is and we are looking at being homeless as of the XXXX of this month. XXXX charged higher fees because of my zip codes. I did not live in a wealthy suburb and got charged for it. May they and their lawyers get flat lined in the economy and have no bailouts.,
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.A.Rogers, Inc. (MD)

I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus. I didnt receive any notices of my rights to dispute or any any information to verify the debt which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX, XXXX and. XXXX credit reports as a collections account. Therefore I am requesting that it be removed from all of my credit files immediately.
Consumer complaint received 2023-10-04
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

I got a call from the debt collector around XXXX XXXX on XX/XX/XXXX. He said I owed a debt which I explained I do not owe that amount. The conversation was going ok until I told him I believe that i do not owe that amount to XXXX XXXX and I am not going to pay money that is not owed. He then threatened to keep harassing me every day and to call my employer as well which is basically trying to embarrass me at my place of employment over a debt I do not owe. This is wrong on so many levels especially when I do not owe the amount claimed.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Today once again this company has placed a debt on my credit i do not owe. It has been previously blocked after placing the FTC report months ago and I believe it added the balances together to resubmit a different amount. If it is somehow a new debt I could not possibly owe it since my platinum ppo blue shield health plan covers 100 % of hospital visits and it is a billing error on the part of XXXX. This is the abuse that can cripple chances for folks to ever get ahead. I have attached a copy of my health info witch would completely invalidate such a debt. 

This is nothing short of extortion.
Consumer complaint received 2023-07-21
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. (LA)

I am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they belong to me.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have fraudulent accounts and charges on my personal credit file from XXXX XXXXXXXX XXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Consumer complaint received 2022-12-09
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have fraudulent accounts and charges on my personal credit file from XXXX XXXX XXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and I submitted FTC reports and all Identity verification and the credit bureaus failed to fix/delete items on my credit report. Credit bureaus keep sending stall letters to not remove accounts that are in fact not mine. 

Please remove XXXX XXXX XXXX Account number XXXX and XXXX XXXX  Account number XXXX