davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (GA)

Hi my name XXXX XXXX XXXX have a problem with equifax XXXX have send in my new address change and up date XXXX XXXX XXXX XXXX and I have send in letter to add them updated my address now is XXXX XXXX I call them up check my credit information and my score .now I find out they keep my credit score is to lower. No wander I buy my car is so high with inchit charging my XXXX XXXX is XXXX now equifax is on ly XXXX XXXX XXXX XXXX XXXX add the equifax why they said that how they use XXXX XXXX score .the I add them well XXXX use XXXX too they got XXXX score .and on XXXX equifax XXXX XXXX XXXX XXXX XXXX I need help here
Consumer complaint received 2019-06-26
Product: Credit card or prepaid 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 (CA)

A fraudulent charge was made on my Bank of America credit card on XX/XX/XXXX by the merchant : XXXX XXXX XXXX XXXX in the amount of {$290.00} for work that was never done on my computer on that day. That card was cancelled in XXXX of XXXX and a new one issued which was later cancelled by Bank of America credit card corp. due to the dispute over the charge. The merchant ( XXXX XXXX ) admitted to me to making the charge on my credit card but said it was a 'charge error ' for work he did on another customer 's computer and said he would refund me the charge XXXX {$290.00} ) but never did. He repeatedly lied to me that he would refund the money to me for over a year! I took him to small claims court in XXXX XXXX and got a judgment against him for {$450.00} on XX/XX/XXXX of XXXX ( Case no. XXXX ). He never showed up to court. I also found out when filing the papers with the 'file clerk ' for the small claims court that XXXX XXXX had over {$30000.00} in judgments and claims against him and one was with Bank of America for {$6500.00}! He now has over {$32000.00} in judgments against him, including now a {$6800.00} judgment against him with Bank of America : ( Case no. XXXX ) He never showed up to those trials either. In spite of all this, Bank of America, will not honor the judgment I have against him by removing the charge from my credit report with the various credit reporting agencies : XXXX XXXX, and XXXX XXXX. XXXX did remove the charge from their files. So I am also filing a complaint against XXXX XXXX, and XXXX XXXX in addition to my complaint against Bank of America Credit Card CorpXXXX XXXX XXXX, the company he had used to handle his financial/billing transactions for his computer repair service company told me that he is not allowed to make anymore financial transactions with them and he now has a 'negative balance ' with them and he has admitted to them that he has received 'fraudulent transactions ' from another source! Bank of America Credit Card Corp. said they did a 'thorough review ' twice and still state that it was a legitimate charge made by the merchant ( XXXX XXXX ) on my credit card for work he never did on my computer on that day!! If you have any questions or need additional information please let me know as soon as possible. I am demanding that Bank of America and the various credit reporting agencies remove that charge of {$290.00} and all penalties and interest from my credit report with them immediately! My address is XXXX XXXX XXXX, XXXX, CA. XXXX. Phone number : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Recovery Systems, L.P. (AL)

Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a VERY OLD XXXX charge from a XXXX XXXX XXXX XXXX XXXX. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on SSI and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished XXXX, having taken no break. This is ILLEGAL. XXXX XXXX XXXX XXXX placed them on my report. I have a letter from XXXX saying ALL my student loans are paid for by XXXX, because of my XXXX. I keep attaching the XXXX letter to XXXX, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an S on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I went to the ER with XXXX XXXX and XXXX  of XXXX. Upon being admitted to the ER I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later negative. The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the ER during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), one bill for the radiologist XXXX, XXXX, and XXXX ( credit management ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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: Holloway Credit Solutions (AL)

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 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (IN)

I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.
Consumer complaint received 2022-04-21
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: Opportunity Financial, LLC (AL)

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 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-21
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: Convergent Resources, Inc. (AL)

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 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX XXXX 2016 a criminal attempted to open a XXXX XXXX account in my name. I check my credit report daily through XXXX and noticed the inquiry on my credit reports. I immediately contacted XXXX XXXX who immediately cancelled the application and sent letters to TransUnion, XXXX and XXXX. As of XXXX XXXX 2016 TransUnion has refused repeatedly to remove the inquiry from my report despite multiple communications via certified mail from myself and XXXX XXXX.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this account.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any others adverse item of information, other than records of conviction of crimes which antedates the report by more than seven year.

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good day, My name is XXXX XXXX, and I am sending this complaint due to the recurrence of identity theft incidents. This marks the third time I have filed my claim, yet no action has been taken. Neither the credit bureau nor the involved companies have responded to my disputes. I feel that my rights as a consumer are being violated. As the victim in this situation, I am unable to obtain proper assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will pursue legal recourse.
Consumer complaint received 2022-04-21
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. (FL)

I have requested from XXXX, XXXX XXXX XXXX Trans Union to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, XXXX XXXX XXXX Trans Union any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, XXXX XXXX Trans Union.
Consumer complaint received 2022-04-21
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. (TN)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 XXXX
Consumer complaint received 2022-04-21
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. (TN)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 XXXX
Consumer complaint received 2022-04-21
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: Designed Receivable Solutions, Inc. (AL)

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 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire in the total amount of XXXX XXXX USD utilizing Wells Fargo services.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

About XXXX recieved invoice from previous apartment. Allegedly I damaged Dirty appliances and Carpet stains. present photos to many people at the management office. Corporate office even their attorney. XXXX at XXXX at XXXX refused to remove the charges staring the Carpet photo is unclear although the appliances and entire apartment was cleaned for immediate turn over. This apartment also charge you for a year lease but make you move out XXXX days before your lease is over.stating a 360 day lease. So they have money for XXXX days that belong to every tenant. But keep charging us/me this facetious fee. I want to Sue them and need help. Need the FCRA codes for these offenses being I contacted the. And Genesis Credit Management LLC who placed this on my credit affer I disputed it and also provided them with photos Icollection agency/XXXX XXXX in XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have been trying for months now I am ready to take them to court. Asking for your help again first.