davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (IN)

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on black market sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MN)

The following account listed on my Equifax credit report has been deleted numerous times and keep reappearing on my credit report : MN Child Support, XX/XX/2003, {$4100.00}, the account is a fraudulent account and is not my account. Equifax has deleted this account from my credit report countless times. The account do not belong to me.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I requested my free annual credit report from Experian from the website XXXX on XX/XX/20. The site said it was unable to verify my identity, and I would need to submit documents. I attempted to upload pdf files of my drivers license and a recent utility statement as requested, but the site returned an error message saying " We were unable to upload your documents. '' It did not say why the upload failed, it just stated document size and file type requirements, which mine complied with. I had to start over, re-enter all my information, and resubmit. I received the error message again. I did not see a link to contact Experian about this error.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC (GA)

All XXXX companies involved in this scam : Americor Financial, Credit9 Lending, XXXX XXXX XXXX XXXX XXXX. By Mail these companies solicit to offer credit consolidation & do absolutely nothing. Their process is that they will negotiate or structure debt without filing a XXXX XXXXXXXX Bankruptcy, yet they understand the typically debt resolution process of the creditors better than the consumer. Unfortunately, they allow your credit cards to go delinquent which drops your credit score. The scam is that once creditors offer the consumer debt resolution offers, the scammers charge 25 % of the original balance for supposedly negotiating your credit debt by doing nothing & not paying anything for an entire year. Upon the successful completion of consistent monthly payments, the scammers fraudulently offer a fake loan to pay or cover the remainder of the consumer 's debt that is never negotiated. As such, your monthly payments for XXXX  year are applied towards the scammers 25 % fee for doing absolutely nothing but ruining your debt by false & fake advertising. The fake loan offers require consumers to apply to their sister company which naturally lowers your credit score more so than their program & the fake loan is adjusted below $ XXXX, based on the consumers fraudulent negotiated debt leaving the consumer with a price-gauging high interest loan applied towards credit debt that was never negotiated while also leaving the consumer with ruined credit. The consumer can view funds withdrawn in the form of ACH & reflected in the scammers account, yet the consumer does not have access to funds & unable to withdraw funds that are fraudulently withdrawn under false pretenses. Once the consumer is falsely misled by the scammers bait & switch, the consumer is unable to transfer or request a refund for services that were never rendered or provided.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I notified transunion on XXXX XXXX that these 2 accounts are being disputed because they are reporting inaccurate and incomplete in formation, there is missing dates? missing right status? balance is excluding disputed charges under Fair Credit billing Act ( FCBA ) particularly this account ( XXXX XXXX account # XXXX ) this is harming me in an unfair way? the other account ( XXXX XXXX XXXX # XXXX ) is reporting incomplete information about me as far as the payment history is concerned. Reporting inaccurate information on my consumer report is adversely affection my credit rating. 

Title 15 of United states code say that under section 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC (FL)

I was reviewing my credit report with XXXX XXXX agency and discovered an inquiry from XXXX XXXX XXXX. I have never applied for any credit or services from this Bank XXXX Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my XXXX credit history and any other agencies that they use.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

On XXXX the company I hired to fixed my credit they request deleted applied bank Acct first the account is charge off and was opened XX/XX/XXXX is more them 7 years in my report, what I need is deleted to not affected my score any more. 

Thank XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Today ( XXXX ) I tried to open a savings account a a local credit union who told me they'd need to check my credit. No problem, it's over XXXX XXXX. 

They say they use Equifax. I have a freeze on my accounts so they told me I'd have to lift the freeze with Equifax. For over an hour I have been yanked around trying to lift this freeze with Equifax. Their website said it didn't recognize the password. When I hit the line to rest my password it replied that it didn't recognize my information ( already triple checked for accuracy ). I called. Got the standard forever time-wasting and utterly useless recorded ads and messages wasting my life further.

After struggling to talk to a live human, I finally got one. After 30 minutes of answering irrelevant questions like what department store credit cards do I have ( none ), etc., dozens of questions again and again, many I'd already answered. Then I'm told they can't confirm that I have an Equifax account ( though they've already admitted they do indeed have a freeze issued by me ) and I must send them my driver 's license and SSN card and 'sign documents ' or they refuse to lift the freeze. I tell them I have the ten-digit PIN that Equifax itself issued me, but then they say, oh no, we don't recognize PINs anymore.

So ... here I am, a citizen who has " excellent '' ( look it up ) credit being criminally barricaded from obtaining a savings account to due to Equifax malfeasance. I asked to speak to a supervisor who said his name is 'Dane XXXX but refused to give his last name. He merely repeated the same barricade procedure. 

I submit that this is all just a designed buffer process to avoid the expense and effort to establishing and lifting freezes. It is criminally crooked. It is intended to never end and to frustrate consumers until they shut up and go away, saving Equifax money. I have worked hard to establish " excellent '' credit but owing to Equifax 's intransigent, stubborn incompetence I am permanently blocked by them from opening a savings account. It's criminal. It's crooked. Consumers don't deserve to be so abused by credit reporting agencies.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} 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 CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX
Consumer complaint received 2023-03-16
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. (NJ)

Experian has not updated my credit report since XX/XX/XXXX and it is now XX/XX/XXXX. I need an updated reported so I can make sure I have all the inaccuracies to file in my disputes. 

I sent a certified letter to them on XX/XX/XXXX. I have my personal info and all of my credit history in the letter. The tracking stated on XX/XX/XXXX that it arrived to the facility and was picked up but today XXXX  XXXX, XXXX. I received the green portion of the certified mail and didn't understand. I looked up the tracking and it stated that it was now being sent to Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item could not be delivered or returned to sender. As of XXXX XXXX  on XX/XX/XXXX, it is being forwarded to the USPS Mail Recovery Center where it will be processed. 

Alert Sent to Mail Recovery Center XX/XX/XXXX, XXXX XXXX  In Transit to Next Facility XX/XX/XXXX Arrived at USPS Regional Facility XXXX TX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX  Departed USPS Regional Facility XXXX NJ DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX  Arrived at USPS Regional Facility XXXX NJ DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

i sent letters on XX/XX/2020, to Equifax and XXXX  disputing the inaccurate and incomplete items that they are reporting on my credit.I haven't receive anything from them as of yet and I have attached copies of the letters below.
Consumer complaint received 2023-06-30
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. (CO)

In accordance with the Fair Credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1XXXX XXXX XXXX. 

Account Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Acct name : Dept of Education/XXXX Acct XXXX XXXX XXXX Acct name XXXX XXXX XXXX ACCT # XXXX ; Acct name XXXX XXXX XXXXXXXX ; Acct name XXXX XXXX XXXX ; Acct name XXXX XXXX XXXX XXXX Acct name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Ref 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 15USC 1681 section 602 A. states I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years, 15 USC 1681a-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 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (VA)

This is in reference to a Build Card from Continental Finance, account ending in XXXX. This card was paid off in XXXX of 2020, and closed at that time. Despite closing the account, Continental finance continues to try and charge a monthly fee for the account - and reopens the account each time, requiring a phone call. Today makes the third time that we have had to call. Each time they remove the fee and insist that the account will be closed, then they re-open the account and charge the fee again.
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

A derogatory remark from " Springs Oak capital '' appeared on my credit report in XXXX XXXX. They claim that I owe them {$6400.00} which-unbeknownst to me-is borrowed money from their company. Obviously, this struck me as odd because not only have I never heard of Springs Oak capital before but also because I was completely unaware of any debt with them. 

I have repeatedly attempted to get in touch with the company for more information, but all my attempts have been fruitless. After doing some additional research on the company, I found out that they are not licensed to collect debt from people living in Florida. Consequently, I am requesting that you remove this item from my credit report as soon as possible.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THIS ACCOUNT IS LISTED ON MY CREDIT REPORT AND I AM NOT THE PERSON WHO SIGN FOR IT AND NEEDS TO BE REMOVE ASAP
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2022 I mailed a letter to XXXX and Equifax informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.
Consumer complaint received 2023-01-05
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. 

1 ) Showing closed and still reporting on-time payments being made 2 ) Dates of first delinquency is incorrect- This should be 2015 3 ) This was reported as Fraud 7 years ago, I no longer have the report 4 ) This is in violation of Fair Reporting Act. -
Consumer complaint received 2023-03-21
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: Atlanticus Services Corporation (GA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15USC section602 states I have the right to privacy.

15USC 1681Section604A Section 2 ; its also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Hello! 

I am reaching out to open a new complaint based on my previous complaint that was unfairly closed. Bank of America claimed that it could not confirm I was the individual who submitted the complaint. A representative named XXXX XXXX emailed me and I responded to that message AND left a voicemail within 7 days of receiving communication ( see XXXX Attachment ). XXXX emailed me on XX/XX/2020 and asked me to reply before XX/XX/2020 to confim my identity. I completed all these steps but was ignored. My complaint was subsequently closed. Once again, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded. I have also attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

Best, XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX In lieu of speaking with my Loan XXXX, he made me aware that XXXX o accounts on my credit report was not updated. This has made my home purchasing situation more diffucult than it should be. I have made several attempts to get this revolved but I have not recevided the corrective actions necessary to my accounts as of yet. I have the credit card statement attached and requesting an immediate update to my credit card balance for XXXX XXXX. Currently it is should I owe more then XXXX XXXX of the credit limit. The documentation provided will show a better reflection of the balance than the update from XX/XX/2022. 

I have the credit statement directly from XXXX sent from a representative to update my credit card balance for XXXX. 

Account XXXX : XXXX XXXX : Account balance not updated. 
Resolve : Update to XXXX credit card statement balance ( attached ) Please investigate this matter and contact the nationwide credit bureaus to have them update the disputed item as soon as possible.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I contacted Experian, XXXX and XXXX  back on XX/XX/2020 regarding information that was was reporting incorreclty on my crdit file. The information was removed from XXXX so when it was not updated with Experian, and XXXX, I contacted them and have yet to see results. I have called and written and yet this information is still on my report.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

The issue at hand involves unauthorized transactions made with my credit card since XX/XX/XXXX while I was out of town. These transactions encompass a range of activities, including shopping and dining, amounting to substantial financial losses on my part. Upon detecting these fraudulent activities, I promptly contacted my credit card issuer, Bank of America, on XX/XX/XXXX, to initiate a refund claim. 

Despite my immediate action, the investigation conducted by the bank concluded unfavorably for me, with the bank asserting that the transactions were not fraudulent. This decision was largely based on their observation that the physical card 's chip had been used, suggesting the transactions were legitimate. Consequently, my refund claim was significantly undervalued at {$2700.00}, instead of the actual {$8600.00} loss incurred. 

I have since provided evidence to the bank verbally, including my absence from the country and city at the time of the transactions, to challenge their initial findings. Although the claim was reopened, the disputed amount remains unchanged, and communication from the bank has ceased for over a month. 

Compelled by the fear of accruing interest charges and the potential impact on my credit score, I felt obliged to settle the full balance, despite being a victim of fraud. It is under these circumstances that I seek your guidance and assistance to rectify this situation and secure a full refund.