davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (CA)

I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on XXXX XXXX. 

I would also like to complain against Experian as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and Experian gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if Experian themselves won't let me view my report with the account I established through them?
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 went to dealership to purchase a vehicle Dealership had me fill out application .They check my credit and told me I needed someone else to add to application. I did not want to add anyone else I stressed this to them and told them I would try somewhere else later.I left.The next morning XX/XX/2020 they called me and said I could come pick up vehicle and I didn't need anyone else on application. I went and signed paper work and got vehicle. I recently checked my credit report and seen I had 3 hard inquires on the same day XX/XX/XXXX XXXX knew of dealership checking my credit didn't know of the other 2 hard inquires put on my credit report that same day.I think dealership should take hard inquires off my credit report also because the next day they called me to come pick up the vehicle
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service (NY)

This is a complaint against Paul Michael Associates. I never received a notice regarding a bill from XXXX XXXX XXXX. I saw this on my credit report. I then called the agency regarding this debt and they stated to reach out to the Lab or doctors office. I reached out to the doctors office and they had no knowledge of this bill. The lab was bought by XXXX and they no longer have this information on file. I reached out to my insurance company and they sent me a document stating there was never an invoice claimed by the XXXX XXXX XXXX. They sent me explanation of benefits from that doctors visit stating i had owed nothing. The collection agency refuses to accept this. The claim is from XX/XX/2016, the insurance company also got on a call with the agency asking if the laboratory sent a proof of timely filing and the collection agency stated they did not and refused to reach out to the lab to ask for one. At this point the agency wants me to file the claim with the insurance company for a claim from XX/XX/2016, where the agent already advised it will be denied due to timely filing. The agency is refusing to be cooperative in getting this closed.
Consumer complaint received 2023-01-05
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. (GA)

Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have sent XXXX dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX XXXX since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

Hello this is in reference to a bill from Lockhart, Morris, montgomery acct # XXXX {$630.00}. This is not my account, I have been reaching out to this company since XXXX and I've never received any response. I have included a copy of my affidavit for record purposes. Im simply asking for a removal of this account.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Roadrunner Account Services, LLC (NV)

This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.
Consumer complaint received 2023-03-16
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)

On XX/XX/XXXX, I noticed several fraudulent charges on my Bank of America credit card account and called their fraud services. A fraud case was opened and several, but not all, of the charges were cancelled. 

On XX/XX/XXXX, 3 of the fraudulent charges went through, all from XXXX XXXX XXXX XXXX, with the amounts {$120.00}, {$230.00}, and another {$230.00}. 

On XX/XX/XXXX, I received provisional credit for {$120.00} and {$230.00}, but not the other {$230.00}. 

On XX/XX/XXXX, the credit became permanent and the case was closed even though there was a remaining fraud charge of {$230.00}. 

On XX/XX/XXXX, I called the fraud number again and asked about the other charge. The representative told me they " didn't add that charge to the system '' and said they would take care of it, and that I would be getting provisional credit for it. 

On XX/XX/XXXX, I called again because I didn't get the credit yet, and the representative that time told me that I wouldn't get credit until the case was closed, and that the previous representative was mistaken. 

On XX/XX/XXXX, the claim is still " being researched '' according to the Bank of America website, so I called yet again. The representative XXXX XXXX from Texas ) told me that the still hadn't put the remaining charge into the system, and that he would do that and give me the provisional credit. 

Now it is XX/XX/XXXX, and I still haven't gotten provisional credit for that last charge from XX/XX/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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong
Consumer complaint received 2022-11-06
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. (GA)

There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two 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. There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros XXXX XXXX or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2023-02-24
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. (NJ)

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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-28
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: JPMORGAN CHASE & CO. (AL)

On XXXX XXXX, 2019, I purchased a round trip ticket from XXXX to XXXX from XXXX for XXXX with my Chase credit card. 
Between purchasing the ticket and the date of the flight, I changed my last name. I called XXXX to change the name on the ticket. They said there would be a {$25.00} administrative fee, which I agreed to pay. 
On XXXX XXXX, 2019, XXXX charged me the {$25.00} administrative fee, plus {$810.00} for a new ticket. I called XXXX and they said they could not change a name on a ticket, they had to create a new reservation ( the agent did not tell me this on the phone ). They did not refund the original ticket, but charged me for a second ticket at a higher price. They said their system does not allow for a name change, so they had to create a new reservation. The agent said I agreed to the charge, but I only agreed to the {$25.00} fee. Who would agree to pay for two tickets? 
I disputed through Chase twice. XXXX provided a typed note saying I agreed to the charge. I did not agree to this charge. The agent can type anything they want in the comments, but why would I agree to pay for another ticket?
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see ftc attached all wrong
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NV)

I had an XXXX XXXX  XXXX XXXX CARD issued thru BARCLAYS. IT EXPIRED IN XX/XX/2020. BARCLAYS NEVER ISSUED A REPLACEMENT CARD. CALLED BARCLAYS THE REPRESENTATIVE SAID BARCLAYS CLOSED MY ACCOUNT WITH NO EXPLANATION. I HAVE A  XXXX BALANCE ON MY CARD AND THE TELEPHONE REP GAVE NO EXPLANATION AND THE REP TOLD ME THAT BARCLAYS WAS GOING TO SEND ME A LETTER WHICH I HAVE NOT RECEIVED. I THOUGHT THAT DURING THE PANDEMIC THAT CREDIT CARD COMPANIES CAN NOT UNILATERALY TAKE SUCH ACTION.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Case XXXX Bank of America continues to harass me and ignore my complaints filed with the XXXX, Federal Reserve, Consumer Financial Protection Bureau. All these places have failed to do anything about the continued harassment from Bank of America, so I am now seeking legal aid to take you all to court.
Consumer complaint received 2022-11-04
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: Amsher Collection Services, Inc. (FL)

Amsher is currently reporting to all three bureaus about an account that I supposedly have with XXXX XXXX. I have sent multiple letters and contacted Amsher via phone and by email with XXXX XXXX XXXX and have been ignored by mail and told via email and phone ( as recent as of a hour ago ) that they do not have an account in their system under my name, social or DOB. I then asked, relieved to finally receive someone on the phone, who should I talk to because they are reporting that they do have the account to the bureaus. I was rudely told, we will do it eventually, have a great day and then hung up on. I am not sure when " eventually '' will be as I have stated I have reached out multiple times since this account was first sent to Amsher. I received a letter initially about the account which is when the communication started. This was earlier this year. I was told it would take 30 days for it to be " handled '' after a hour phone call while the rep researched for the account. I have disputed with the bureaus who told me they reached out Amsher and have not received a response, I have disputed with Amsher myself and not received a response. I have the email ( which I will attach ) from XXXX XXXX who state he could not see the account ( this was back in XX/XX/2022 ) who stated he couldnt see an account under my information. I then sent another letter as I like to have a paper trail and didnt hear back. I called again tonight and was just told again that they do not have an account and thats when I was rudely told it would be handled eventually. If you dont have my account all I am asking is for this to be deleted from all three bureaus. This is false reporting and its causing a negative effect to my report and livelihood. I am being denied products and paying higher deposits on items due to this reporting falsely.
Consumer complaint received 2023-02-24
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc Collection Agency has been sending harassing mailers to my home. In one particular event the company is representing XXXX XXXX for an erroneous debt that was handled with XXXX XXXX directly. The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. The FDCPA also says debt collectors can't use false, deceptive, or misleading practices. Here in Florida the Florida Consumer Collection Practices Act ( FCCPA ) prohibits both debt collectors and creditors from using certain types of abusive, deceptive, and misleading debt collection tactics. This includes misrepresentations about the debt, including the amount owed. 

I believe that Transworld Systems Inc Collection Agency my be in violation of both FDCPA and FCCPA. I am politely requesting that you cease and desist immediately before I seek legal action against this company.
Consumer complaint received 2023-03-15
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX #, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My mortgage lender failed to pay my homeowners insurance last year. They paid it for the current year. I had a conference call with the insurance division and my homeowners insurance company. The insurance carrier verified that the invoice was sent to the mortgage company multiple times without response. The insurance division of the mortgage carrier stated that it was never forwarded to their division from the mortgage division so basically its not their problem. The mortgage company is now charging me {$2300.00} for lender forced insurance for coverage for XX/XX/XXXX to XXXX XXXX, XXXX.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Company does not apply HAF funds in a timely fashion and despite telling me I would not incur a late fee while on the HAF program, they assed me one anyway. Which is their fault because they are receiving the payment way before the grace period ends. 

The other real problem here is that the company gets this complaint, and then closes it because they say it is a repeat problem. You bet your XXXX it is a repeat problem, almost every month for the last 9 months! Why should I have to go through this stress every month? So instead of just blowing it off, fix it!!! Yes I'm talking to you who is reading this at flagstar. Just because you eventually applied the payment last month, does not mean that it is not an issue again this month!