davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, XXXX, and Equifax. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.
Consumer complaint received 2020-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Advance Bureau of Collections (LA)

Left message saying this is XXXX from investigations services, I need to verify location information regarding certified documents, if no contact today, our field agent will be distracted to the property address or the place of employment record. it is very important and no response will result in an order of noncompliance in a filed action for service. Case number XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX XXXX XXXX XXXX, my credit report alerted me that there was a " late payment '' blemish from my unused Spirit Airlines credit card through Bank of America. I immediately called Bank of America, because I was not informed of any charges made to my card and did not receive any subsequent statements or notices indicating charges, balance and/or delinquency. When asked to furnish proof that I was properly notified of such, the bank was unable to comply. Accordingly, the account was then placed in good standing, the late fees were waived and the credit issue was remedied. By late XXXX XXXX XXXX, the " late payment '' blemish was no longer on my credit report and my XXXX XXXX was finally repaired from the error. By XXXX, my XXXX XXXX XXXX reached XXXX. Less than 15 days later, it dropped down to XXXX as a result of the erroneous " late payment '' blemish from Bank of America re-appearing on my credit report. I immediately disputed the previously remedied issue once more and did not have success. Bank of America refused to look further into the issue despite being unable to furnish proof of FCRA compliance and despite having fixed the issue initially. I have attached a timeline of my XXXX XXXX to this submission for additional context.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I received this card in XX/XX/XXXX and have made payments consistently every month, sometimes twice a month. However, this credit card company has charged me interest every month and has said I have had late fees every month. I have been charged interest even though I have never been late on any payments. 

Payment dates and amounts : XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00}, XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$130.00} XX/XX/XXXX paid {$110.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$60.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$260.00} XX/XX/XXXX paid {$250.00} XX/XX/XXXX paid {$500.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$500.00} Charged interest dates and amounts : XX/XX/XXXX charged interest of {$23.00} XX/XX/XXXX charged interest of {$34.00} XX/XX/XXXX charged interest of {$5.00} XX/XX/XXXX charged interest of {$30.00} XX/XX/XXXX charge interest of {$12.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$37.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$38.00} XX/XX/XXXX charge interest of {$31.00} XX/XX/XXXX charge interest of {$31.00}
Consumer complaint received 2020-01-16
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: EQUIFAX, INC. (FL)

My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX credit bureau, XXXX XXXX, and XXXX XXXX XXXXXXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.
Consumer complaint received 2020-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

In XXXX I had a loan from ace cash Express. I couldn't make an payment so I refinanced the loan. Still unable to pay my grandmother and my younger sibling both recieved calls from ace cash Express on XX/XX/XXXX. They were told that XXXX county ( which is the county I reside in ) will be filing a law suit against me and that they will find me. Not giving them a name who called or the reason for the lawsuit. My grandmother has the voicemail saved. So I get notice about the calls and I call them back. They never called me which I thought was odd. They tell me about the lawsuit and tell me to pay it. They said I was being sued for fraud and not being able to pay back the loan. I feel threatened as if they were making me give them money no questions asked.
Consumer complaint received 2022-02-23
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: Halsted Financial Services, LLC. (CO)

I have contacted XXXX XXXX XXXX, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. Now they have sold the account to Halsted Financial Services , LLC I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. 
No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. 
I have filed a new police report against XXXX XXXX XXXX, via XXXX  XXXX and XXXX XXXX and Halsted Financial Services , LLC stating that you used stolen documents and information to open this account.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have banked with Bank of America for several years. Seven months ago I went to the local branch located in XXXX XXXX, WA XXXX. I could not withdraw money from my atm card. I spoke with a customer service representative at the local bank and I was then told there was a freeze on my account due to fraudulent activity I was told. I spoke with a bank manager and he stated that there will be a investigation. I asked how long will it take 30 to 60 days. After two months, I got the same story. I have called several different people from the XXXX number to going back to the bank and speaking to the local branch manager. 
I have had direct deposit from my employers : XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX for several years. I have over {$6000.00} in employee wages that the bank refuses to release. 
I have called, I have waited and I am still getting the same answer seven months ago. 
I would like a full investigation in on this matter.
Consumer complaint received 2022-11-12
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2020-01-16
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)

THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (IL)

Hello, Upon reviewing my credit report I realized that CB/Victorias Secret is being reported as a closed/charged off account. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a XXXX from Victoria Secrets. This is a violation of 15 USC 1681eb. I demand that this inaccurate information be removed from all 3 credit reports.
Consumer complaint received 2022-11-12
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. (NY)

I have paid the following fraud accounts out of my pocket not having knowledge of my consumer rights at the time of payments and creditor agreed to remove of my credit reports 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

The XXXX account negatively effecting my credit report was a mistake. I paid and closed the account. They still reported it to the Credit Bureau. I disputed the charge 4 different times, the case wasnt looked into. XXXX says it was a mistake and they have filed a request to remove it from my account but still nothing has happened.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2022-11-12
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. (MI)

To whom it may concern. 

I, ( XXXX XXXX ) never gave ( Experian ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPCTY, XXXX XXXX XXXX XXXX XXXXt
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My Synchrony Bank/Chevron  credit card was charge-off on XXXX, I never received a collection call either a letter about collection activity for this account. The account shows a balance for {$1800.00} on my credit report, so I called Synchrony Bank and asked the best way to resolve this matter. I was informed the bank issued an IRS 1099-C form on XX/XX/XXXX and they disclosed the account is not longer in collections, the bank is not collecting the balance and the debt was cancelled due to a 1099-C tax form and I can't make payments on the account. Since the account was cancelled, it should report {$0.00} balance on my credit report but it still reporting the original forgiven balance of {$1800.00}.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXXXXXX isnt reporting an account to XXXX im on month 4 I deserve a special reporting for the inconvenience. Experian hasnt updated a balance in months its supposed to be {$480.00} on all 3 bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both XXXX and Experian. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.
Consumer complaint received 2020-01-16
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: AMERICA FIRST FEDERAL CREDIT UNION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-01-16
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: PNC Bank N.A. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-01-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

I applied for a loan modification via FHA due to illness. 

I was approved. The problem is FREEDOM MORTAGE is supposed to update the lender. I found out via phone call on XX/XX/20 that I made, that the approval was completed on XX/XX/20. 

Freedom Mortgage is required by law to send pending lenders of modification an update via first class mail every 8 days. The agent I spoke to at Freedom Mortgage told me this was required by law. 

The last notice I received in the mail stated : we are doing a title search -- there is nothing more for you to do. 

They did this intentionally so that you fail or really struggle with the trial period. 

To date, I have NOTHING in writing about the payment, the new loan, rates, etc. etc. 

I called on XX/XX/XXXX to make this complaint and Freedom said, NO too bad start on XX/XX/XXXX anyway. 

I sent an e-mail to Loss Mitigation on XX/XX/XXXX asking for the XX/XX/XXXX start ( due to not notifying me ). 

I called today and Freedom will not do it. 

This is against the law. 

XXXX XXXX Loan Number XXXX
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

The previous servicer ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) received a wire for {$49000.00} on XX/XX/XXXX. My loan was transferred to another company ( Specialized loan servicing ) on XX/XX/XXXX, XXXX keep stating they do not have funds. Specialize loan servicing is refusing to communicate with XXXX ( the company they purchased my loan from ). They refuse to reach out to there servicing transfer dept. or cashiering department to have these funds applied to my loan. Specialize loan state I need to show them proof but they need to get it from XXXXthe money source, they received the money. I have been trying to get XXXX to send the funds to the new company for almost XXXX  months now. I called the XXXX today, XX/XX/XXXX, now they are telling me they still have not wired the funds when multiple managers assure the funds had already been sent to new company. ( stated they wired your company the {$49000.00} that was received by them. Below is the bogus wire info from there rep. ref # XXXX confirmation # XXXX I need these funds posted to my loan. None of my funds need to be applied the inspection and XXXX fees, its not valid and you all and the previous company are investigating. The funds will bring my loan current plus payment for XXXX future months, use funds to cover my escrow shortage, then place remaining funds in unapplied. 

In additional, XXXX has legal fees and inspection fees when I was on the XXXX then tried to get mod sent with updated dates. I was protected by the Cares Act, there is no reason my loan should have gone into foreclosure, I kept constant contact. 

You all need to do your job and reach out to XXXX. You both have me playing the middle guy when yall need to communicate. WHERE IS THE {$49000.00}?!?
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.