davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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)

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX XXXXXXXX. 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 an 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 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Rent Recover, LLC (NE)

Rent Recovery has continued to report this debt as open and owed. This was included in a bankruptcy that was discharged XX/XX/2015. This company refuses to close and stop reporting. The RR rep at one point said it would only be removed if it was paid even though it was discharged!
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I attempted to withdraw funds from a BofA at a different location than our home bank. The ATM declined to release funds, citing suspicious activity. I am unaware of anyone else relieving the BofA of my funds at the time. I called to have the hold lifted, by phone to no avail. 
I then made numerous attempts both by phone and by entering the local BofA. Each time I was unable to straighten this out. 
The people from the bank would not help at all. They wanted the payee to come in. I showed a police report of a robbery that caused him to enter the XXXX. He is not capable of leaving the place, because he is not only able to walk ( XXXX XXXX XXXX XXXX XXXX XXXX  ) and he has XXXX which i was told by XXXX XXXX that he will never leave where he is because of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. So now, not only he can't travel, but neither can he tal. Recently had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After numerous attempts to withdraw my funds, I am about to lose my vehicle ( impounded ) nor am I able to pay rent, utilities, non food items, etc. so on XX/XX/XXXX, I entered the bank to demand they give me my money, then was told I had XXXX in my account. It should have been $ XXXX. When requesting to see last XXXX transactions, the teller refused and despite being told of my brother 's demise. 
Instead of assisting me, they give away my money. This is blatant discrimination. 
I have no money, i am XXXX and XXXX. They are costing me my car. They need to pay for this XXXX XXXX I'll find out their names, only if they be reprimanded for how XXXX being treated. 
I hope they feel the impact that I feel.
Consumer complaint received 2023-05-11
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. (MI)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-04
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (VA)

I obtained a Barclaycard, MasterCard Gold Card, with the agreement under SCRA benefits that the annual {$990.00} fee would be waived while I remained on XXXX military service. Recently I received notice in the mail that Barclaycard is now revoking their promise to honor this agreement and will be applying the annual fee at the one year mark in XX/XX/2017 ( my ownership of the account ).
Consumer complaint received 2023-05-24
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. (ID)

All three credit reporting companys equifax XXXX  XXXX. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

EdFinancial provided a loan transfer information to a new portal in XXXX that it will be completed after 2 weeks. After 2 weeks, they sent another email that the transfer has been delayed. They have not provided any information on the transfer so I can not sign up to make the payment. Interest will accrue on XX/XX/XXXX so if they are making us pay the interest during the time I can not make the account, this is a very unfair/unlawful practice.
Consumer complaint received 2023-05-24
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. (AL)

I checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you
Consumer complaint received 2023-08-23
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: ENCORE CAPITAL GROUP INC. (TX)

15 U.S. C. 1681 section 602 A. State I the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also a consumer report agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692C ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NY)

I had a balance of approximately {$8000.00} in Paypal. I requested a check for {$4000.00}. They said they sent a check on XX/XX/XXXX and deducted the money from my account but I never received the check. I called a few times only to get people that say they need to get back to me but they never do.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Dispute case number XXXX I told the bank I had issue with the merchant, I received wrong items and damaged item, the item I received and what I ordered is not the same, the bank failed to resolve this matter although I have sent them evidence I had with the merchant
Consumer complaint received 2023-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

During the pandemic, my federal loans were transferred to XXXX. I made an account at that time and awaited the outcome of forgiveness. XXXX messaged me at the end of XX/XX/XXXX that they were moving my account to a new system, and I would have to yet make another account. I tried to do so in early XXXX ( as was suggested by the email ), and have not been able to make a new account. I tried again this morning ( XX/XX/XXXX ) but it seems my account is still in this transfer process. Thus, I can not see my balance or make a payment. 

I have tried to call and chat without success ( no agent available on both phone and chat ). I want to make a payment before interest resumes next week. They will be essentially forcing me to pay interest on a higher loan balance by preventing me from making a payment.
Consumer complaint received 2023-01-02
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. (NC)

I hope this is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-24
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. (NY)

After years of having a credit score around 800 and not applying for new cards or loans I suddenly saw my credit score go down on XXXX and XXXX as a result of inquiries and accounts they listed that I never requested and have no knowledge of. All three credit bureaus have fraudulent accounts and inquiries listed, as well as incorrect addresses. I've subsequently found out through the Equifax Date Breach Settlement website that my information was impacted by the Equifax data breach of XX/XX/XXXX, which I believe is the source of the identity theft and fraud that I have experienced these past few years. 

XXXX As of XX/XX/XXXX Equifax has an inquiry listed as XXXX XXXX XXXX XXXX from XX/XX/XXXX that I never applied for and a collection for {$1500.00} from XX/XX/XXXX by XXXX XXXX for XXXX XXXX XXXX with whom I have never had any dealings. 

XXXX XXXXXXXX has the same fraudulent XXXX XXXX XXXX as well as a fraudulent XXXX XXXX credit card account opened on XX/XX/XXXX with an {$8000.00} credit limit of which I have no knowledge. They also list an installment account for {$380.00} with XXXX, another company that I have not dealt with in 20 years, and nine different credit inquiries dating from XX/XX/XXXX to XX/XX/XXXX that are fraudulent as I have not applied for any credit cards or loans during that period. 

XXXX XXXX has a different XXXX account listed that was opened fraudulently on XX/XX/XXXX, as well as an inquiry by a company called XXXX XXXX for credit for which I never applied. 

I have spent a great deal of time trying to contact these companies, who all seem to make it difficult or impossible to actually speak with someone who can correct these issues. One company did an " investigation '' and determined that their information on the fraudulent account was correct ; they never spoke with me, apparently they only spoke with the thieves who opened the account. I am in the process of getting a police report as required by XXXX to look into their fraud, and that has been another time consuming, red-tape filled endeavor. On the whole these companies seem to make it easy for crooks to steal identities and open accounts and very hard for consumers to clean up the mess that they create.
Consumer complaint received 2023-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.
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: EQUIFAX, INC. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-01-02
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to 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
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: 1ST ALLIANCE LENDING, LLC (NY)

First Alliance Lending lost my XXXX and XXXX State and Federal Tax returns, including all XXXX. 
After prequalification, I was instructed to provide both years to First Alliance, and I delivered them in person to have them scanned which would be returned to me " shortly. '' This was XX/XX/XXXX, and my mortgage was finally closed on XX/XX/XXXX. During those four months of negotiations and preparations for closing, I requested that the returns be sent back on a weekly basis. I still have n't received them, and they are unwilling to help me further. Now that I 've moved out of state, I am having immense trouble getting tax help from professionals since my XXXX and XXXX returns were lost. First Alliance lending has been unhelpful and essentially told me " too bad. ''
Consumer complaint received 2024-06-22
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc. (AZ)

In XXXX I subscribed to Tomo boost for {$49.00} to improve my credit, tomo boost is a scam they never reported anything until XX/XX/2024 & that was negative remark because I cancelled I guess that was tomo boost way of retaliating against me because I told them to stop trying to take my money or I was going to report them to the CFBP, my credit score was @ XXXX till they reported a negative remark & its not fair to me because I cancelled the subscription the XXXX day of XX/XX/2024, they took money out of my account for which I disputed it with XXXX XXXX & its still in review I never got my money they tried to take money in XXXX XXXX & XXXX every single day even right now, I was forced to close my account because of the harassment from tomo boost about a failed payment. Everything was ok when they were taking my money & not reporting anything. I want all my money back.
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

LVnv funding never sent me a notice of the debt, so my rights were violated because I was not able to send a debt valadation letter also, In Accordance with the fair reporting act, Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-05-24
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. (NJ)

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 remove these inaccurate items from my file. 
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
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX 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 2023-05-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX 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 2023-02-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX, XXXX. Original creditor : XXXX XXXX XXXX  Account number : XXXX this company has violated my rights reporting wrong information 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.