davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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: ERC (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-08
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. (NJ)

I disputed the XXXX XXXX XXXX Account # : XXXX several times to the credit bureaus but I have not getting any response regarding the results.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MA)

Hello my name is XXXX, my credit is really new with having under 2 years of credit. Never having any financial direction, i've made a newbie mistake to credit by applying for tons of credit without knowing the consequences. I have checked all three bureaus and noticed this something that prevents me from getting my score higher to apply for more credit. I've tried to get my hard inquires removed by contacting the bank but they never heard me out & treated me harshly by simply justing asking if this was possible. They were silly mistakes which won't happen again now knowing more about credit.
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My former employer opened a Health Savings Account for me with Bank of America in XXXX. I contributed monthly to this account and so did my former employer. In XX/XX/XXXX, my Health Savings Account was suddenly closed by Bank of America causing medical payments to bounce. The account also had two {$300.00} distributions taken out of it in XX/XX/XXXX. When I complained to Bank of America at the time, they gave me access to a new account that did not show any former transactions. I let Bank of America know then that I wanted access to the Health Savings Account opened for me in XXXX showing all transactions, and that never happened. I received no clear explanation for who closed the account, why the account was closed and where the two {$300.00} distributions went. I received a tax statement in XXXX with no clarity for how the fair value of the account dropped from over {$2900.00} to over {$600.00} ( see attached tax statements from XXXX to XXXX XXXX. I filed an identity theft affidavit ( police report and FTC report ) and was never able to use this account for medical  payments. The account was also eligible for investment and this could not happen. 
I recently received a card for a Bank of America Health Savings Account with my maiden name on it and my current address. Please be advised, I did not open a Health Savings Account with Bank of America and continue to ask Bank of America for a clarification of what happened to the XXXX benefit that I received in XXXX which they terminated in XXXX.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (OH)

There is nothing in collections on any of my credit reports. I keep getting calls from the National Recovery Agency claiming that I need to call them about about debt collections. I am concerned this is a scam and am worried about contacting them directly. They are calling from XXXX.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

There is a charge for {$450.00} on my Fidelity Reward Visa ending XXXX that was not made by me. The online system does not seem to work at all since I can't review the transactions or even get my statements from the online portal. Please dispute the {$450.00} fraudulent charge from my account and credit me for the {$450.00}. Thank you.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/2021 checked my card statement online and noticed a fraudulent transaction was made on XX/XX/2021 in the amount of {$1600.00} at a store in XXXX, Massachusetts. I live in XXXX, Pennsylvania. Only 1 card has ever been issued to me and my profile setup has always given me an emailed receipt of all purchases. I called and reported this unauthorized charge on XX/XX/2021 and assumed that an investigation was initiated. They sent me a new card with a new account number and transferred the {$1600.00} to my account ; this making my limit over by {$500.00}. XX/XX/2021, I called back to follow up because the charge was still there but was told that I reported the card as lost and no inquiry was done. This in no way s true because I live in Pennsylvania not Massachusetts and also I called about an unauthorized purchase not a lost card. I am a senior citizen on a fixed income and this is not at all acceptable. As a consumer, I expected this to be resolved when I initially called in to make this organization aware of this issue,
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal close my account for not reason. 
They said suspicious activity but i do not made nothing wrong. 
i check all my activity and is not fraud or chargeback in my account. 
i think was a mistake. 
i try to use my account for buy online or send payment to my friend but has been impossible. 
i am waiting for PayPal more than 180 days for get access to my account and is being unsuccessful. 

My email address is XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (AZ)

The XXXX XXXX and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the XXXX XXXX is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up
Consumer complaint received 2023-03-31
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
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. (TN)

I have sent documents to prove that I either paid the debts off and sent them letters that the collection agency would have the accounts removed form my credit files in 30 days but they have not updated my file. 
I am attaching letters and bank statement showing that I have done everything to improve my credit by paying off collections accounts and paying off my charge off. 
However the credit agency is reporting the debt was filed in chapter XXXX and that's not the case. 
I have paid off all theses companies XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX and they reporting the wrong pay off amount! Please see letter and my bank statement with what they debit my account for. 

Plus I have dispute a number of hard inquires that I never authorized but no follow up on any of them wish I did before the Cov19. 

Thanks, XXXX XXXX
Consumer complaint received 2021-07-08
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-08
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. (MN)

I sent out my dispute letter on XX/XX/XXXX which arrived later due to the mail on XX/XX/XXXX which Transunion signed for. In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are negatively impacting my credit report. Transunion has failed to respond within the 30 days allowed or send me any updates about my dispute. I sent them over evidence for both accounts showing that XXXX  XXXX  isn't my account and I have no knowledge of it, which was removed from XXXX. I also sent them evidence for my auto loan which they have listed as 2 late payments and repossessed. And the same for XXXX that it is being reported inaccurately. The account is incorrect in their records and I have shown them my report from XXXX  that clearly shows I am current and no remarks are present. I AM HIGHLY UPSET AND DISAPPOINTED THAT IT HAS COME TO THIS POINT! I've tried reaching out to XXXX myself to validate the debt and they haven't sent me any evidence proofing that I owe this debt, and Transition hasn't provided any documentation. I can't qualify for a home loan until I GET THIS RESOLVED
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NJ)

XXXX XXXX XXXX # XXXX on XX/XX/2021 did not find a solution to my mortgage situation and never got back to me, when he said would showing outright negligence. If you can stay away from PNC bank for a mortgage.
Consumer complaint received 2023-03-31
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. (OK)

This is my Fifth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 XXXXXXXX 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 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (CA)

One year after purchasing a XXXX XXXX XXXX from Bridgecrest Financial Inc. XX/XX/XXXX the issues began and never stopped. Three transmissions and two motor failures occurred from XX/XX/XXXX untill the last incident in XX/XX/XXXX which is currently an open claim on my insurance policy. I started experiencing financial hardship after the first issue and explained this to them and was accommodated by pushing one payment to the back of the loan. This didn't help much when the issues continued on a monthly basis. Then the Pandemic hit us like a train. I had to call Bridgecrest again and ask for help. They in turn told me that they had help because of the pandemic we can skip that months payment and all future payments will be applied to the principal of the loan, every single XXXX of the payments will be interest free. This was great news to my Wife and I. It was such good news that it made my Wife break out into tears of joy. We agreed to the new terms as quickly as we could before they changed their minds. We DocuSigned everything and went about our sheltering in place. A couple months later and a couple months payments later I received a few new alerts on my credit reporting agencies. I then went to see what was going on with the alerts on their websites and the apps I have just for this sort of thing. I find out that Bridgecrest Financial Inc has submitted a new derogatory report for non payment they have CHARGED OFF the loan as a bad debit/loan I was shocked and stunned that they did this to us when we thought they were helping us they in fact have ruined us financially. This and all the hardships from the time I bought this truck has prevented me from getting a home loan of any kind and will continue to for a very long time. My fico score has dropped beyond belief. This help program they called it I believe only helped them Bridgecrest was able to write my loan off as a bad debit and received special funding for catching off my loan and in turn gave me even more financial hardship for years to come. To me this if unfair lending practice and unfair credit reporting at it's worst. I'm at a loss for words because of the greed of Bridgecrest and it's sister companies XXXX XXXX, and XXXX XXXX are beyond imaginable.
Consumer complaint received 2023-05-27
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. (NC)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) 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 I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. 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  Account # 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 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. 

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.
Consumer complaint received 2021-07-08
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-08
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)

XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX  Account # : XXXX Balance Owed : {$6700.00} FCO Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- XXXX have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.
Consumer complaint received 2021-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX  Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.
Consumer complaint received 2021-07-08
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. (NY)

I XXXX XXXX an identity theft victim. I am including my driver 's license, an Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit in where I detailed all of the charges that I did not make. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.