davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

The information on my credit report is inaccurate. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

B of A refuses to redeem my XXXX  ( with their ridiculously low interest rates ) unless ( XXXX ) I have an open B of A checking or savings account or ( XXXX ) I go physically into a B of A branch. I don't have any B of A accounts other than the XXXX. 

This appears to be a calculated effort to make it far easier for a customer to do nothing than get a XXXX closed. Since B of A is paying a rate of XXXX percent ( XXXX XXXX  of what many other banks now offer ), the economic incentive to engage in unfair business practices is substantial. 

It is worth noting that the renewal letter tell customers to call a B of A number ( XXXX ) in order to " request any changes to your account. '' Customers have XXXX days from the renewal date ( " grace period '' ) to make changes. ( Also notable is that my online account offers no options as far as XXXX  redemption. In order to see my XXXX  on-line, I need to log in first. So there's already security built into the encounter. ) Upon calling the specified number, the customer encounters a voicemail " tree '' that offers various selections -- none of which incudes any clear route to getting the XXXX proceeds. Saying " representative '' and " operator '' eventually results in reaching a representative -- after a long period on hold. 

After all that work, I learned that B of A refuses to give me my money unless I jump through more hoops. It's not easy for me to move around these days, and having to go somewhere in person is a burden. I say this is outrageous.
Consumer complaint received 2019-01-19
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: Bread Financial Holdings, Inc. (TN)

XXXX XXXX/XXXX XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX XXXX/XXXX XXXX   along with a notarized affidavit claiming fraud.XXXX XXXX/XXXX XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX XXXX/XXXX XXXX to close their files which have any information with my name & social on it ...
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (IL)

I took a online payday loan for {$300.00} dollars from a Company called XXXX XXXX approximately 8 years ago, I payed the debt in full 8 years ago and since then my information was sold to other debt collectors that are trying to double dip on payday loan debts that have been payed, Ive been threatened to be arrested and humiliated at my place of work if I dont pay the debt Ive already payed, Ive contacted the FTC in the past. Ive have had no issues with my credit report for the past 2 years, today I got a notice from XXXX XXXX that a company called : Midwest Recovery Systems XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, MO XXXX, posted a collection to my credit report and made my score drop 50 points. Midwest Recovery said they got my debt from XXXX XXXX XXXX XXXX, Ive done some searching and Midwest Recovery is fraudulently putting dings on peoples credit reports who never even had a payday loan in  the past. This is a false and fraudulent claim to my credit report and companies like these should be shut down and prosecuted to the fulliest extent of the law for fraud.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcy filed XXXX XXXX XXXX  XXXX Us Bankrutcy Court I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy
Consumer complaint received 2023-07-23
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. (TX)

on my credit inquiries I see in the last weeks some fraudulent inquiries i am guessing may be linked to fraud effort to obtain a car purchase or car loan or finance, from companies such as ( I am not trying to get any such matters and never contacted any of these companies ever ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and maybe more. 
someone is fraudulent and stealing my identity and I need this stopped and investigated. 

I put fraud alerts and credit freezes on all three credit reports and their fraud division needs to review this also. no one should access my info! its all fraud..
Consumer complaint received 2023-07-23
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. (TX)

I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from XXXX XXXX on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. 
I never contacted or requested this and it is fraudulent and unknown.
Consumer complaint received 2022-12-21
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. (GA)

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AXOS FINANCIAL, INC. (TN)

XX/XX/XXXX i had my car accident that led to the total loss of my suburban. I was not at fault in this accident. The party that was did not have insurance or a license. My insurance paid their portion of the loan, along with my warranty and gap company. They receieved said checks at the beggining of XXXX and waited until my XXXX payment was due and now they refuse to close the account even though they have received all payemnts and demands for it to be closed. which in turn is making it difficult for us to get another loan I made every single payment on time and never missed XXXX. This is the way they treat loyal customers. All i want is for this account to closed so i can move on with my life. I will also make sure that other people know how crooked this business is so they will avoid the trouble i have
Consumer complaint received 2023-07-23
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. (SC)

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

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged-off account as a canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2019-01-19
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. (TN)

I requested that Experian ( EX ) report their the method of verification for bankruptcies. XX/XX/XXXX XXXX ( XXXX ) confirmed that the filed date reported to ( EX ) reflects the XX/XX/XXXX for case number XXXX. XXXX reports that this information was forward to EX for correction. EX did not correct or update the credit report that reflected the correction from XXXX. EX did not send a corrected report or delete the report since the new file report date has past 10 years of reporting time. I requested that information the XXXX XXXX ( XXXX  ) be investigated because XXXX  date of last payment is different. XXXX  reports that EX date of last payment is different from what they are reporting. XXXX  should be deleted due to the date of last activity has past seven years. I requested that EX update XXXX XXXX XXXX  because the date of last activity is different from what is being reported by EX. The date of last activity is 6 months after to date opened XX/XX/XXXX. I am Enclosing the XXXX report stating that the bankruptcy file date has changed. I am enclosing EX credit report the date of last activity is missing. EX is reporting a incorrect personal telephone number for me. I did not receive an updated report or a method of verification
Consumer complaint received 2023-05-11
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. (IL)

I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX  ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KY)

Rocket Mortgage sent over {$6000.00} to XXXX XXXX XXXX XXXX FL when {$0.00} should have been sent. 
They deducted it from my personal escrow acct. leaving me debt for flood coverage already paid by my XXXX XXXX XXXX XXXX XXXX. 
Rocket Mortgage deducted this amount on behalf of XXXX units at XXXX Condos They acknowledged verbally on XX/XX/XXXX that the check was sent out due to an error on Rocket Mortgage. 
They have yet to refund my escrow and have raised my mortgage payment where I will be in default as of XX/XX/XXXX.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XXXX of XXXX I received an online offer from CITIZENS bank to have {$300.00} deposited to my account if I make a direct deposit of {$500.00} or more with in 60 days. The XXXX was completed on XX/XX/XXXX. I have still not received the promised funds. When calling them they are telling me they do not see this offer at all. This is false, the only reason the account was opened was because of the promotion offered. 

Citizens bank is not honoring their promotion.
Consumer complaint received 2023-07-23
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-19
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: Diaz & Associates, Inc. (TX)

DIAZ & ASSOCIATES , INC. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MD)

Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. 
This discrepancy was reported directly to the company listed as well as the credit bureau. 
Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. 

Line item being reported was established without my knowledge or permission.
Consumer complaint received 2023-07-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX and Equifax dropped my score by XXXX points. I put a complaint in, but to see their specific reason I would have to pay them. I believe this is unfair. They should provide a detailed response for free. My utilization is less than 24 %, all my payments are on time, I have owned my home for 33 years. My mortgage is less than 30 % of its value. All my payments are on time. I am paying off my credit cards, with a new equity loan, using less than XXXX dollars of it. I would like an realistic response and one that is free, telling me why the drop in plain and detailed information.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (GA)

This is my follow-up 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 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 XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX LOAN PURCHASES XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX OF XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

In XX/XX/XXXX I missed a payment on my XXXX Credit Card. The payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX so just three days late. The APR went from 16.99 % to 29.99 % on my XX/XX/XXXX statement. On XX/XX/XXXX I noticed that the APR had been raised. I was in an intense training program over the summer of XXXX so that is why I missed the payment and then did not notice the rate hike right away. On XX/XX/XXXX I contacted a XXXX via online chat who put in a waiver to get the rate lowered which was approved. My concern is that according to the Credit Card Act of XX/XX/XXXX I must be at least 60 days late in order for Citi to put the penalty rate into effect. According to XXXX after missing the payment due date the penalty rate can be put into effect and I can be charged up to {$37.00} for a late fee. Again the Credit Card Act of XX/XX/XXXX limits this to {$27.00} which is all that I was charged. I feel that since I was not 60 days late the penalty rate should not have been put into effect so Citi over charged me interest from XX/XX/XXXX until XX/XX/XXXX and that interest should be refunded. I have printed off all the statements supporting all of this but am not attaching them as they contain personal information and the website says not to attach.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (GA)

I made a call and XX/XX/24 and I spoke with XXXX in at I.Q. Data International Inc. at XXXXXXXX XXXX XXXX extension XXXX. I requested documentation in regards to these charges and that I wanted to place this account in disputes. Unfortunately, after I asked for a breakdown of the charges, XXXX hung up on me. I called in 2 more times. The second time I called, the call was transferred to XXXX. The music played and stopped once he got on the line. No answer while I sat on the phone for about XXXX minutes. I told him I could hear them breathing on the line and they refused to answer so I kept the call on hold and called again. Once I tried to merge the calls I realized I was hung up on the second time. During the 3rd call, I requested XXXX 's last name and I was refused that information. I only received his extension after asking more than 3 times. I requested a supervisor to make a formal complaint I was given the wrong email address and hung up on. I left a message to the Supervisor XXXX XXXX at XXXX extension. I
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IA)

I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT I reject your offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT ACCT # XXXX to be in possession of my Nonpublic Person Information. I never gave any permission to MIDLAND CREDIT MANAGEMENT use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a email STATING that XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO XXXX XXXX, AND NOW MIDLAND CREDIT MANAGEMENT HAS IT ''. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT AND THE XXXX XXXX XXXX WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.