davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Beginning XX/XX/XXXX there were some fraudulent transactions on my accounts in the amount of XXXX Its taken BOA over 90 days and I still do not have my refund yet I have been calling every 3 days to get an update since my account has been frozen and under investigation and each time I speak to a Representative or Manager am told they are working on the investigation and different dates have been given to for the issue to be resolved and I still have not received my refund as of today XX/XX/23
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (GA)

On XX/XX/2020, I noticed that i received an alert from credit agencies that I had a new collection reporting. Upon my looking into the matter, I found that Consumer Adjustment Company, ( CACI ), had reported the collection for a XXXX  XXXX. I then called the company and explained that I did not have a unpaid bill with XXXX XXXX and that I had never been notified by there company of a bill therefore, It should be removed from my profile because I wasn't given written notification of bill in order to investigate or respond in writing. The guy I spoke with then proceeded to hang up and the issue wasn't resolved but was continuing to report. On XX/XX/2020 at XXXX XXXX  est, I received an email notification from CACI with an attempt to collect a debt letter ( which is outside of the 5 day window ) at which time I promptly responded to the letter for verification and asked them to remove the reporting on an unverified debt and as of yet, its still reporting during their verification process which is a violation of my rights under the FDCPA. I've requested removal during the verification process and they have proudly refused.
Consumer complaint received 2020-12-30
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. (AR)

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter on XX/XX/2020 to this date on XX/XX/2020I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Consumer complaint received 2022-11-12
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & R Collection Service, Inc. (TX)

My ex boyfriend had his XXXX XXXX removed back in XXXX I believe. I guess he never paid it. Well it went to collections & when they tried to contact him. He told them to call me for a payment. I made one payment for him in XXXX from his card. But for some reason his debt is on my credit when I never had anything to do with the account. I have contacted the doc office directly and they wouldnt give me any information on the account either because I am not on the account. I called the debt collector to advised them of this. But they said because he called me his wife it is my debt. Him and I were never married and never portrayed ourselves to be married which to even be common law you have to do. I never agreed to be on this account. It is not a joint. I do not think I should be on the account just because they said that is what he said. That is not me agreeing to it and I did not give them any personal information. My name was already on the debt prior to them attempting to contact us. I am not even sure how they obtained my information. Also the creditors are extremely rude and disrespectful.
Consumer complaint received 2023-06-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, Experian, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. 

2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA. 

3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (PA)

I spoke wit this company twice over the last few days. I told them I was busy the first time and that I will call back when I can. They called the very next day while I was at work. I told them I can not talk but continued on. I told them I am a few weeks away from making a payment. They then accepted that and hung up. Today they withdrew XXXX from my account, and now I am going to miss my rent payment. I called them and they have not answered or returned my calls. The name of the company is Receivables Performance Management.
Consumer complaint received 2023-03-08
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 U.S.C. 1681. 

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

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

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 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one is showing I was 30 days late 5 times from XXXX XXXX-XXXX XXXX. I have sent numerous letters to get it removed but no response. Now cause of covid19 I cant use my personal credit to be approved for loans because of this error. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, no XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (MI)

I DO NOT OWE DEPARTMENT STORES NATIONAL BANK. THEY DID NOT SERVE ME A PROPER NOTIFACTION OF A COURT ORDER. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS COMPANY WAS NOT ABLE TO SHOW PROOF OF ORGINAL CONTRACT TO THE JUDGE.
Consumer complaint received 2021-12-29
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. (IL)

I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I sent a certified letter to the debt collector regarding the debt and needing an itemized statement and validation that the debt belonged to me. A contract with my signature and explanation of the charges. I got no information back but company reported the account closed so i thought the matter was resolved but than placed the account back on my credit report months later.
Consumer complaint received 2020-12-30
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. (LA)

On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX services placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX center Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX, placed an unauthorized inquiry on my credit report.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX, began charging me a recurring membership fee of {$19.00} / month on my BOA credit card. I'd never heard of XXXX XXXX and certainly never authorized this charge. I believe the membership was established by someone who bought my information after a BOA data breach. I don't hold XXXX responsible for originally establishing the fraudulent account. But XXXX, to my mind, has become a party to the fraud by not closing the membership, despite my efforts to get them to do so. 
I called the XXXX number for XXXX XXXX that was shown on my credit card statement. I got a recording that says XXXX doesn't answer or reply to telephone calls, and I should email XXXX  at XXXX. I've done that twice ( XX/XX/2020, and XX/XX/2020 ). No reply. 
I prowled through the XXXX website to see whether there was an online form or other method to contact XXXX. The website 's FAQ page says to touch the onscreen button at the lower right. There's no such onscreen button, at least not on the screen where I found the instruction. 
I wrote twice to Mr. XXXX XXXX, the CEO of XXXX, the holding company that owns XXXX ( XX/XX/2020, and XX/XX/2020 ). He was at the lowest responsible level I could find with a human being attached. 
The first letter seemed to elicit a response. On XX/XX/2020, a woman called me who identified herself as XXXX from XXXX XXXX. She told me that XXXX was cancelling my account and dropping all charges. Unfortunately, I didn't ask for her last name or contact information, nor for written confirmation of what she told me. Neither did she offer to provide any of these things. They seemed unnecessary, because the matter seemed resolved. I noticed that my Caller ID showed a telephone number, but didn't identify it with a name. That seemed ( and maybe was ) insignificant. 
I heard nothing more from XXXX XXXX during XXXX, XXXX, and XXXX. Then, on XX/XX/2020, XXXX resumed charging me {$19.00}. On XX/XX/2020, I wrote again to Mr. XXXX, again by certified mail. This time the letter was returned to me, unopened and ( obviously ) unread. The envelope was marked that the mailing address was incomplete and the office couldn't be found. It was, of course, the HQ of XXXX, at the same address, where I'd written to Mr. XXXX 4 months earlier -- which raises the question, if the CEO 's office could be found at that address in XXXX, why not in XXXX? I assumed the letter was being refused. 
Meanwhile, on XX/XX/2020, XXXX charged another {$19.00} to my credit card. 
I recently managed to find, tucked away in an obscure corner of the XXXX website, the address of XXXX XXXX legal department. Yesterday XX/XX/2020, I sent them a letter, too ( certified mail ). I told them I'm also contacting you.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MD)

I received a call from someone saying he was with PayPal and wanted to confirm my purchase of a cell phone to be shipped to XXXX. I had made no such purchase. He elicited some personal information from me. After that his calls continued and I began to be informed that different bank accounts had been opened in my name. I closed those fraudulent accounts. Fraudulent charges appeared on my credit cards and I had to replace those credit cards. Meanwhile, I was in touch directly with PayPal and learned I had a dormant account with them from several years prior of which I was not aware. Eventually, on XX/XX/XXXX, PayPal closed the account. Allegedly, I owed {$3400.00} in debts I never incurred. I learned this by an email received from XXXX XXXX XXXX on XX/XX/2020.
Consumer complaint received 2020-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (KY)

Flagstar continually harasses my XXXX brother and has refused to fix the system errors that cause the issues. He had to switch banks a few months ago and we set up online to make auto payments from the new account. We were told Flagstar system kicked it out due to it not matching their previous information for him. He asked to speak to a supervisor to get it cleared up and was told they could not do that. I did file a complaint with Flagstar concerning that issue as well. He asked me to help after becoming so distraught by the actions of this company. I started advocating on his behalf XXXX. Since then I have conference called with my brother on XXXX, XXXX, XXXX, and XXXX. I have sent in proof of payment twice now to 2 separate emails provided to me by Flagstar. I finally got to speak to a supervisor ( XXXX ) XXXX and he was not helpful other than to say we needed to send in proof of payment, being a copy of an endorsed check cashed by Flagstar. I did explain several times, the payment was made over the phone due to previous issues out of our control. I even gave him the confirmation numbers we were given at time of payment. He said his supervisor ( XXXX  ) was on leave without an ETA on when we could speak to her. I contacted his bank and they told me to send bank statements with other personal information blacked out and they were happy to conference call with them to verify payments deducted from his account. As soon as we get issues cleared up for one month, they start all over again and employees insist he hasn't made his payments and trying to talk him into filling out forbearance paperwork due to Covid. He does not need forbearance. He can pay his payments and does pay his payments. He is told each time he tries to make a payment that he can not for the month because the system says he is past due, and as soon it's cleared up and he makes a payment over the phone, he is told he can not set up for auto pay due to having just made a payment. I am at a point I am reaching out to get assistance from anyone who can force this company to quit preying on my brother. We will transfer his loan to VA asap and hope to never deal with this again and to never see or hear of anyone having to go through this again.
Consumer complaint received 2021-07-28
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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (NY)

This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX Lets correct this or otherwise remove it immediately.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

After 7 years banking with Wells Fargo, I Recieved a letter stating that they are closing my account and that its a business decision. I called and went into the branch only to be told that its a business decision and they cant tell me anything other than that. This account closure has stalled my business, and damaged its reputation. I buy and sell cars. I cant pay rent, cant pay my bills, cant pay anything because Wells Fargo decided to close my account. They did not give me a legitimate reason for closure. They also refused to provide a XXXX  report upon closure. Stating that they can not provide one to me.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-06-28
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. (MI)

Company states that I failed to verify my identity and it is false they asked me to mail them a letter with my id and a bill and it was mailed in XXXX and again XX/XX/XXXX. Attached is a copy of the letter and my identity so that they can solve this matter now!