davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-02-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My bank account was grossly mishandle. I called customer service at Bank of America to ask for a loan for my hearing aid. The representative over the phone told me about a XXXX LOAN. I trusted what they told me and I thought that I was getting an interest free loan for {$5000.00} which could be paid off monthly over the course of a year which would be deposited to my checking account. Instead a CASH ADVANCE was deposited to my checking account and then withdrawn without my knowledge resulting in an OVERDRAFT PROTECTION and OVER DRAFT FEE on top of all of this. THIS IS NOT WHAT I WANTED. I ended up returning the XXXX and the {$5000.00} was returned to Bank of America from the merchant but I am still suffering interest debt and emotional and financial distress as a result of this mishap.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NJ)

XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. 

Yesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! 

I refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! 

XXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! 

Now, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-27
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. (FL)

My credit reports inaccurately report my XXXX XXXX XXXX XXXX XXXX account as OPEN. My XXXX XXXX XXXX XXXX XXXX Is required to be reported as Closed by Consumer and/or permanently deleted from every credit reporting agency file. Pending investigation, my XXXX XXXX XXXX XXXX XXXX Account must be reported as DISPUTED. Failure to promptly report my account as Closed by Consumer on every credit report shall be considered a Willful Violation of the FCRA and Metro 2 protocols.
Consumer complaint received 2022-04-22
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just recently reviewed a copy of my credit report. I very Shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been unjustly harming me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, specically sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my nancial standing, I stress the need for a resolution within 24 to 48 hours. The urgency can not be overstated, as it affects my mental and nancial health. 

XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 2024
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NH)

Today, on XXXX I received an alert on my XXXX credit monitoring service, that a company called ALDOUS AND ASSOCIATES reported a collection on my credit file. The date of the aforementioned collection was reported on XX/XX/22, with the original creditor name of " XXXX XXXX XXXX XXXX '', for the amount of {XXXX}. 

I have never been contacted by ALDOUS AND ASSOCIATES. Not by phone, email or mail. I did not receive a notice as to the debt in any form, the first time I became aware of this allege debt was to see it as a derogatory report on my credit file, today on XX/XX/22. 

ALDOUS AND ASSOCIATES violated rule ( 15 U.S.C. 1692g ( a ) ) by reporting a derogatory collection to the credit bureaus without sending me a Debt Validation Notice. 

Furthermore, The report that was filed is missing several key metrics that are required for a legitimate derogatory report to be valid. 

Information missing from XXXX 's collection file : Amount Past Due : Not Reported Account Type : Not Reported Credit Limit : Not Reported Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Reported Payment Frequency : Not Reported The negative impact on my credit report due to this erroneous claim is significant. I am requesting that it be removed immediately, and that the creditor ALDOUS ASSOCIATES provide all required information to lawfully report this debt to the credit bureaus. 

ALDOUS ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My wife had 2 accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my XXXX and Transunion it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-22
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Bank of American let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Bank of America and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive.
Consumer complaint received 2022-04-22
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. (OK)

I am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, XXXX and XXXX both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. Experian does show it properly as my mortgage payment?
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax lowered my credit score due to the fact I paid off over {$21000.00} in student loans. When I paid off closed credit cards my score went up. When I paid off vehicles my score went up dramatically. When I paid off my student loans my score fell. I was told by a representative my score would not have been decreased if I had not paid off the loans ; a statement that was refuted by her supervisor ( I have a recording of the conversation ). There was no new negative reporting from my last billing cycle. The only major change was the elimination of student loan debt. I was told closing my student loan accounts was treated as a negative.
Consumer complaint received 2023-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

Received a call on XXXX at XXXX am from XXXX ( XXXX ) XXXX XXXX XXXX looking for a family member. They should not be contacting me. I dont know how they received my contact information as I am on the do not call registry. Additionally he was verbally abusive and harassing.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
I C SYSTEM ( Original Creditor : XXXX XXXX  ), balance is {$300.00}, and account # XXXX.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDIT COLL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ), balance is {$740.00}, and account # XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I disputed both accounts that are inaccurate and they were both updated again i inaccurately I submitted proof as well both accounts were paid in full XX/XX/2023 as I have a bank statement supporting my claim and also called the companies by phone to let them know it was paid. 
This is a violation of FCRA laws REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 
And a violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion at the internet listed number XXXX and was connected with a health monitoring company. 

I searched more and found the correct number XXXX. 

TransUnion Company TransUnion is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including " 200 million files profiling nearly every credit-active consumer in the United States XXXX XXXX Its customers include over 65,000 businesses. XXXX Customer service : XXXX ( XXXX ) XXXX Stock price : XXXX ( XXXX ) {$90.00} XXXX ( XXXX % ) XXXX XXXX, XXXX PM XXXX- Disclaimer Headquarters : XXXX, IL XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Subsidiaries : TransUnion XXXX, TransUnion XXXX, MORE Disclaimer Profiles XXXX XXXX XXXX XXXX I talked with a representative on the phone who talked in more circles than I knew existed. 

I was asking why my Vantage 3.0 score dropped XXXX points. With XXXX XXXX and another monitoring company. After pressing for a non circular answer she told me that Transunion only provided credit information to XXXX XXXX and XXXX XXXX ran their own process on the numbers provided to them by TransUnion and produced their own score. TransUnion had nothing to do with the Vantage 3.0 score. But I could buy a credit report for {$9.00}? and then maybe I could get it straight. On the automated answering system when I called in the message said that Because of Covid all three credit bureaus were giving a report for free every 7 days. I asked the agent about that and she replied it is not the same thing and I needed to buy my credit report. She did not ask if I have gotten my free annual report or offer that information only that I had to buy my report. I told the representative that I was going to report her non answers to you and she said I can't stop, control, or something like that as if from my point of view she did not care what I said or did. 

I called XXXX XXXX and after talking to several departments and finally a supervisor they told me, they only use what TransUnion gives them and they can't do anything without TransUnion. They offered to pay for the report with a {$10.00} credit on my monthly statement to help me get the answer because they felt that XXXX points was a large drop in my score and they were willing to help find the issue. 

I call XXXX XXXX XXXX and they told me that for the Vantage 3.0 score they use what TransUnion gives them and they have nothing to do with the score and can only change it by reporting what I did with their company.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (GA)

Original company XXXX XXXX Alleged amount owed {$550.00} Third Party The CBE Group I have continuously been contacted by a third party debt collector The CBE Group and the calls have been non stop on a daily basis.I spoke to one of their representatives to make them aware of the laws and to cease communication with me. But unfortunately the calls have kept coming in. According to 15 U.S.Code 1692 sections ( a ) ( b ) ( c ) ( d ) and ( XXXX ). 

The company never announced who they were when they continued to call me from an automated telephone line. I received paper notice in the mail that a debt was owed to the original creditor which is XXXX XXXX. Which the company had been notified of my bankruptcy filing and still sent the " alleged account to The CBE Group, which I gave them no permission to do so. 

According to 15 U.S. Code 1692b ( 1 ) ( 2 ) ( 3 ) 15 U.S. Code 1692d ( 5 ) ( 6 ) Calls Received from The CBE Group On XX/XX/2022 at XXXX a.m. 
On XX/XX/2022 at XXXX a.m On XX/XX/2022 at XXXX a.m On XX/XX/2022 at XXXX a.m. 

15 U.S. Code 1692k ( a ) ( A ) I want the company to pay me for each call which is {$1000.00} per occurrence either that or I will pursue litigation against them for the mental and emotional damage they have caused.