davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (CA)

I have two collections files on my report that are old debts being reported as new. They are way past the statute of limitations for credit reporting agencies to keep these types of files on reports. I have submitted at least two disputes with no action done to resolve my issue. I am asking that the two files in question be removed from my credit report.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXr XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Consumer complaint received 2024-02-17
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. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

IN REGARDS TO ; CAPITAL ONE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX. I FILED FOR A LATE PAYMENT VERIFICATION OVER THE PHONE AND THRU CERTIFIED MAIL AND BOTH TIMES CAME BACK AS VERIFIED ACCURATE. WHEN I HAVE MADE ON TIME PAYMENTS AND NEVER MISSED BUT CAPITAL ONE CONTINUES TO REPORT INACCURATELY I 'VE ASKED THEM SHOW ME PROOF OF AND VAILDATE THERE LATE PAYMENT CLAIM WHN I PAID ON TIME AND NO RECORD WHEN I HAVE ASKED TO SEE HAVE THEY SHOWN ME. IM SO UPSET THAT I KNOW NO OTHER REMEDY BUT TO FILE A COMPALINT ABOUT THIS SITUATION, APPARENTLY THEY HAD A SYSTEM GLITCH AROUND THAT TIME OR A HUMAN ERROR WAS MADE ON THERE PART AND THEY WILL NOT REMOVE THE LATE PAYMENT.
Consumer complaint received 2022-06-01
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: FC HoldCo LLC (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (LA)

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 2022-09-13
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. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX have violated my consumer rights and caused me severe stress and anxiety due to their inaccurate reporting and their willful non-compliance of my consumer rights. 

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-01
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, US Dept Of EducationXXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Bank is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and XXXX shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. 
This incorrect information is being reported on all three credit bureaus ( XXXX, XXXX and XXXX ). 
I have tried to resolve this with each of the bureaus as well as with Ally Bank and it keeps showing up on my credit reports incorrectly reported.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act 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. 

1. XXXX XXXX Account number # XXXX 2. XXXX  XXXX Account number # XXXX 3. XXXX  XXXX Account number XXXX 4. XXXXXXXX XXXX Account number XXXX 5. XXXX XXXX XXXX XXXX Account number XXXX 6. XXXX XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-06-01
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. (VA)

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my XXXX, Experian, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XXXX  XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX  Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX XX/XX/XXXX,, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc. (IL)

I already filed two complaints with the Consumer Financial Protection Bureau XXXX and XXXX the company was supposed to write me but they never did so I did n't know that the case was closed. The harassment continued so I made a complaint to the Attorney General of the State of Illinois XXXX XXXX File No : XXXX and they ordered them to stop, but they did n't and have now had XXXX XXXX XXXX cut off my mother 's phone and she is an elderly XXXX person. In addition, they have now hacked into my medical records at two different healthcare centers and have used my doctors ' medical license numbers to write prescriptions to both XXXX and XXXX in XXXX. I have contacted both the FCC and Congressman XXXX XXXX XXXX office and no one seems to have the ability to stop these people. It is no longer a company but a family because they own dozens of such companies and just move the debt around from company to company. The owners all have multiple aliases and addresses ; this really deserves a criminal investigation but the FBI does n't seem to be interested. Here are some of the names of the individuals behind these crimes. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and many more, all with multiple aliases and addresses.
Consumer complaint received 2022-06-01
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. (VA)

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my Equifax, XXXX, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XXXX  XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX  Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX, XX/XX/XXXX,, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

i have a checking account with PNC Bank. on XXXX i filed a stop payment on an ACH withdrawal. On XX/XX/XXXX the money was withdrawn. I complained but their response was you need a minimum of 3 days, this was a weekend and my feeling is if they needed XXXX full days then they should NOT have taken the stop payment request. I escalated a complaint to the executive offices. they called me and i told them the story, she said she would research and call me back. of course she did not so i called her and left a nasty voice mail, so she would call me back. she did but nothing she can do for me. but she insured me the future would be handled. I called again yesterday spoke with a lady and she says it will be caught, i made extra system notes so it will be caught. i signed in this morning, guess what the ACH was pending. so i called, she said wait to see if it cleared and then i can dispute it. i escalated the complaint he said i would get a call in the XXXX i wanted to speak with XXXX XXXX the CEO and let him know they stole {$580.00} of my money in times that are almost impossible to afford to even live.
Consumer complaint received 2017-10-09
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. (LA)

XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I opened an account with this financial institution back in XXXX. We opened a checking and savings account and had my husbands payroll check set up for direct deposit. Im not sure why or how a second checking account was opened later. The first account stayed active and I didnt pay any mind to it even when my husbands direct deposit was switched to the second account. What I didnt notice and came to find out later was that my husband was never added to the second bank account yet they where still able to process his direct deposits into an account that was not under his name or showed him on a joint account like it did on the first account that was opened for us. I went to XXXX of their branches but when I questioned the teller she rudely answered she did not know and made it very difficult for us. My husbands direct deposits still kept on coming through the second account so I called to have him put on the account. They said they couldnt add him because he didnt have a social security number but that they would send me paperwork for him to fill out and that we had to send it back to them so they could review and see if he could possibly be added. Up until yesterday my husbands direct deposit came through but this morning when I opened my mobile app I saw that the account that was receiving his direct deposits no longer showed along with our money. I tried contacting them and All I got in response was that the account was closed and that if there was any money in the account that they would send out a check to our address. No explanation
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NC)

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 36 MONTHS Purchased From Sold To Balance and Amounts Balance {$2500.00} Credit Limit High Credit {$2500.00} Available Credit Account Dates Date Opened XXXX XXXX, XXXX  Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And never use this!!! 
Reported Balance {$75.00} Credit Limit {$300.00} = Credit Utilization 25 % 0 % 10 % 20 % 30 % 40 % 50 % 60 % 70 % 80 % 90 % 100 % Details Payments Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CREDIT_CARD Original Creditor Name Months Reviewed Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$75.00} Credit Limit {$300.00} High Credit {$75.00} Available Credit {$220.00} Account Dates Date Opened XX/XX/2022 Date Reported XX/XX/2022 Date of Last Activity XX/XX/2022 Date of First Delinquency Comments and Contact For questions regarding this account please contact : INDIGO - XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX and this one also
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

XX/XX/XXXX I deposited a check from work in my account! They held it for 7 days! During that time bills were coming out of my account and I was told I would not be charged overdraft fees. Long story short its now XX/XX/XXXX! Ive had XXXX overdraft fees piled on. I WANT MY MONEY! PNC owes me {$250.00}! My account is negative XXXX! As soon as this is done I want the account closed Im done with them! Ive been assigned a Case manager and Ive left XXXX voicemails everytime I call it says agent unavailable. I want this taken care of!
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (TX)

Went to log into Equifax site with KNOWN good login information. Attempts to log into were frozen after three attempts. Called customer support. Customer support asked questions pertaining to my credit history that did not have correct answers given my credit history ( asked for a singular answer about a student loan, for which I have several ... ..refused to clarify the question ). Representative refused to acknowledge the nebulous nature of the question itself and refused to acknowledge the inherent difficulty. Supervisor likewise refused to acknowledge the " no-win '' nature of the questioning and offered to unlock my account ONLY after requiring that I send PII documents via regular mail. It is my opinion that Equifax is not conducting their business in an honest or ethical nature, and very much needs additional attention from a regulatory agency.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

hello, someone applied using may name and social to receive unemployment benefits during covid. The bank in question is Bank of America, they refuse to close " my account '' that someone else has access to. 
thousands of dollars were sent to the card and used, not by me. I reported this to the IRS, credit bureaus. However, bank of America still doesn't want to close the account under my name. 

Unforutnetly, I am a victim of identity theft and I am trying to clear and dispute all charges/inquiries/accounts that were not done by me. However, it is very difficult getting in contact with a lot of these companies, since I don't have the correct information. 

Based off my credit report, I do see that they also tried to apply for loans with the following businesses that were not made by me, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX no phone number avaliable marlette serving XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

This company " XXXX XXXX Asset Solutions LLC '' or "  XXXX Asset Solutions LLC '' has been calling me for months trying to collect a debt from an estranged in-law that I don't even speak to and haven't spoken to in 8 years. When they first called and asked me if I know this individual I asked them who they were and they said a debt collection agency and I told them to not call my phone again. They continued to call and leave messages and I would block each number. I called them back and told the employee to take my number out of their system because I do not owe any debt and I don't know the person they're trying to contact. They called me back today from the number XXXX and told me to call them back at XXXX. 

I don't know if this is a scam or a legit company but they're harassing me. I do not owe them money. I have absolutely no debt and I'm not responsible for an estranged family members business.