davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was denied from buying a new car today XX/XX/2020 because when they ran my credit, I was told that there were four accounts with negative payment history appearing on my credit. I looked through my credit report myself and I saw those four accounts and none of them are mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I have no idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report. I did not get anything out of those accounts such as money, services, goods or anything else nor did I ever make any payments towards any of those accounts.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This case involves Bank of America prematurely closing my long and excellent standing credit card in XX/XX/XXXX. This card was used for most of my financial needs and left me with a Hardship In XX/XX/XXXX I was a victim of Fraud and Identity Theft, I discovered that my t former girlfriend stole approximately {$110.00} Thousand dollars from my 2 Bank Accounts. She was threatened with arrest but agreed to make good on paying the money. She was making payments until XX/XX/XXXX. I then took steps to take action by filing a report with the FTC, US Secret Service and Bank Fraud Affidavits. 
While going through this process I received an Email and then a Letter in XX/XX/XXXX, informing me that they were closing my account. At the time my account was in Good Standing was a credit of approximately {$900.00}. When I called the Bank to inquire they never stated a reason but advised to reapply and a letter would be mailed stating the reasons. Upon receiving the letter outlining the reasons, I responded and disputed their reasons in a letter dated XX/XX/XXXX. 
To date Bank Of America have yet to respond and my account remain closed
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Adjustment Service, Inc. (AL)

On XX/XX/2020, I received a call from Mr . XXXX with Merchants Adjustment Services ( XXXX ) stating that I had 2 open accounts with XXXX XXXX XXXX and that if I did not pay it immediately, he would be filing that day to sue. I told him then that he could not threaten me unless he absolutely intended to take that action. After ending the call with him, I called back and spoke with XXXX, the receptionist. I told her that I was not to he contacted AT ALL via mail, email, or phone after that date. I then left a voicemail for the manager, XXXX XXXX which was never returned. Today, XX/XX/2020, I received another call from Mr . XXXX. I informed him that I requested no further contact and he started in on " Well while I've got you on the phone, why haven't you made an effort to pay this. '' I told him that was harassment. I then called and left another voicemail for Mrs. XXXX. Her assistant XXXX XXXX returned my call and informed me that all calls are recorded. I told her all of my issues and then SHE began attempting to collect on me instead of listening to my complaint!
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

on XX/XX/2020 I placed a call into Wellsfargo to recast my mortgage. I was told that I cant do it. I further asked why and they said because I modified my loan 5 years ago with them. I demanded to put {$53000.00} onto the principle of my load and they said no. I then was told someone will call me in 24 hours-no one did so I called them. They said it will take until XXXX to look at it. I never signed an agreement when I had my loan midification that I would not seek recasting. This bank has been held in contempt of congress with millions of dollars in fines. The previous CEO was banned from banking industry and the current CEO has been brought before congress. 
I am experiencing illegal predatory lending.
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (RI)

I dont have specifics of loan because I didnt take the loan. I was searching and filled out questionnaire to see rates. The money showed up in my account today XX/XX/2020. I called and told them to remove amount. No more no less. They will get back to me. I need help.
Consumer complaint received 2024-02-21
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. (OH)

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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX Balance : {$18000.00} ; XXXX XXXXXXXX Balance : {$8900.00} ; XXXX XXXXXXXX Balance : {$21000.00}.
Consumer complaint received 2020-03-20
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. (NM)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-03-20
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. (NY)

The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX  XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX XXXX XX/XX/XXXX {$1000.00} 12. XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}
Consumer complaint received 2020-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following accounts : Account Name Fraudulent Acct. Opened Fraudulent Balance 1. XXXX XXXX XXXX XX/XX/XXXX {$8700.00} 2. XXXX XXXX XX/XX/XXXX {$350.00} 3. XXXX XXXX XX/XX/XXXX {$0.00} 4. XXXX XXXX XXXX XX/XX/XXXX {$3700.00} 5. XXXX XXXX XXXX XX/XX/XXXX {$210.00} 6. Dept of Education XX/XX/XXXX {$6400.00} 7. Dept. of Educaton XX/XX/XXXX {$1000.00} 8. Dept of Education XX/XX/XXXX {$3900.00} 9. Dept of Ed XX/XX/XXXX {$2700.00} 10. Dept of Education XX/XX/XXXX {$3600.00} 11.XXXX  XXXX XX/XX/XXXX {$1000.00} 12.  XXXX XXXX XX/XX/XXXX {$3100.00} 13. XXXX XXXX XXXX XX/XX/XXXX {$830.00} 14. XXXX XXXX XXXX XX/XX/XXXX {$930.00}
Consumer complaint received 2020-03-19
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)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-03-20
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. (LA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 at around XXXX I booked a roundtrip flight to XXXX through Chase Ultimate Rewards. Chase 's app clearly stated that for this flight I had the option to cancel with no fees within 24 hours. This policy also applied with the airlines that I booked my flight with. The next morning I decided to cancel my flights and called in to Chase Ultimate Rewards to do so ( as instructed on their website and the airlines website ) at approximately XXXX and again at approximately XXXX. Both times I was on hold for over 50 minutes before their call system disconnected me. Later that night I called the general credit card customer service for Chase Sapphire Reserve and the representative informed me that the only way to cancel the flight was to contact Chase Ultimate Rewards. Each time I have called Chase Ultimate Rewards I have been on hold for around an hour before the call system disconnects my call. I have tried to contact them at least two times to cancel these flights on the following days : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and on XX/XX/2020. Each time I am left on hold for at least 50 minutes and then the call is disconnected. On XX/XX/2020 I reached out again to the general customer service number and spoke with two separate managers asking that they help connect me to someone who can cancel my flight that departs the next day. The last manager I spoke with told me there was nothing further she could do, refused to connect me with her manager, and then hung up on me after I had spent over 30 minutes on the phone trying to find someone to help me. My departing flight has now taken off without me being able to cancel it and I was not on the flight. I tried to cancel directly with the airlines but since Chase Ultimate Rewards booked the flight I was instructed that they would need to cancel the booking. The flights combined used up {$510.00} of my points.
Consumer complaint received 2020-03-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXXXXXX XXXX refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. 

This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. 

This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2020-01-03
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. (NY)

THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.
Consumer complaint received 2018-01-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Forster & Garbus LLP (NY)

For Forster & Garbus LLP, a New York Law Firm, XXXX XXXX XXXX, XXXX, Ny XXXX, I have been paying {$150.00} every month since XX/XX/XXXX or XX/XX/XXXX, on time, on their website. Last month they threatened to take me to court! I talked to a manager they apologized ... this month another threat. First they tell me please disregard the lawsuit then they say they are going to sue me for non payment. The amount due is not being subtracted from my monthly {$150.00} payments.