davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (FL)

Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with Experian, XXXX and XXXX I was told the steps that I needed to take to have these 2 fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my account.
Consumer complaint received 2021-01-26
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. (GA)

XX/XX/XXXX account ( XXXX ) still showing payment history innaccuracies The following inaccuracies are as follows : Experian and XX/XX/XXXX are showing different information when it comes to this account >>>>Experian Account # XXXX XX/XX/XXXX - 90 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX to XX/XX/XXXX - No Data XX/XX/XXXX - Closed XX/XX/XXXX - Closed XX/XX/XXXX - Closed<<<<<< >>>> >>>XX/XX/XXXX Account # XXXX XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX - On Time XX/XX/XXXX - No Data XX/XX/XXXX to XX/XX/XXXX - On time XX/XX/XXXX - On Time XX/XX/XXXX - On Time XX/XX/XXXX - Closed <<<< I feel as though Experian is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete this account from my report. I have clear proof of all my disputes.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received a call from XXXX XXXX, bank of America agent, that I won {$2.00} XXXX XXXX XXXX XXXX, he said the check is with me and I will send you a picture of your actual check by Email. I received the two Emails in XX/XX/XXXX and XX/XX/2016. 
I will attach a copies of the emails. 
After that, one of the bank of America securities called me on my cell phone and he said : your account had many suspicious activity and if you don't close it, we are forced to close your account and sent you your deposit by mail. I withdraw the money and closed it. 
afterwhile, I received a call from XXXX XXXX that the check is real and you had to send around $ XXXX to receive your deposit check. I didn't send money to XXXX XXXX because I received too many calls from other people ( scammers ), everyone said your won check is with me. 
I called the FBI agents to verify if this check is legitimate. Check or not. no help. I saw on XXXX these days that bank of America cheating their customers on cash Rewards and others bank activities to make billions of dollars, I had a business credit card cash reward and never received, XXXX points and I could not redeem to cash. 
I need to know might be the XXXX XXXX XXXX check is XXXX and Bank of America tried to hide it on, Who knows!
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (PA)

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
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. (PA)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-16
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. (TX)

I have found reported collections on my credit report file at experian and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXXXXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and e-oscar and metro2. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

I was not informed of a {$220.00} debt to XXXX at all until XX/XX/XXXX, when their agent Sunrise Credit Services reached out to me with an attempt to collect upon the debt. This poses a massive harm to my credit score and XXXX and Sunrise need to be reprimanded for not informing me of this and taking adverse action against me.
Consumer complaint received 2024-04-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Care Credit allowed a fraudulent charge from a XXXX, XXXX XXXX XXXX, in the amount of {$4000.00}. At the time of the treatment, XXXX XXXX had forfeited her license. The " treatment '' itself was a scam which had contributed to the forfeiture of her license. She fled the state and set up a new practice in Alabama where the licensing is much looser. Care Credit continues to have a relationship with her and funds her quackery in Alabama. I suspect that is why they refuse to follow the law under the Special Rule for Credit Card purchases and have told me instead to go to Alabama and sue her in person ( an impractical solution ).
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (NC)

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 2024-05-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (AR)

An account from Southern Management Systems appeared on my credit report and Ive never heard of this company and was never notified of this debt they claim I owe. I never received notice of debt or given a chance to dispute either. The day I owe {$1000.00} dollars and it was reported as of XX/XX/year> and opened XX/XX/year>, I have not received any written communication of this debt at all.
Consumer complaint received 2023-03-03
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. (FL)

Im submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these inquiries completely from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting to you to please remove the following unauthorized inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. I am submitting this CFPB complaint in accordance with thr Fair Credit Reporting Act section 605b, and request that you comply with the Federal law and have the disputed inquiries removed from my Credit File as soon as possible.
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC (KS)

REVENUE ENTERPRISES for the amount of {$340.00}. I was mentally not capable of making decisions on my own. I'm currently on XXXX for poor mental health. My care giver at the time did not relay the message to me when I had become aware of my surroundings. As far as I know, I never received a bill to be able to dispute. Even if I did get a bill I was not competent to make a decision. I also believe I was covered under some form of insurance through the UNITED STATES PROBATION OFFICE.
Consumer complaint received 2023-02-16
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. (MD)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 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 XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-20
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: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding is reporting incorrect information on my credit report. I submitted a dispute on XX/XX/2019 with all 3 credit bureaus and the dispute was closed and nothing was updated. They are reporting a balance of {$4800.00} as an open installment loan. They are a debt collector. They are reporting terms of 1 month although no terms or agreement was ever entered into and they are a debt collector. They are reporting a past due amount and they are a debt collector. They are also updating monthly missed payments and they are a debt collector. I have disputed and asked that this account be removed from my credit as they are updating it monthly with incorrect information to purposely hit my credit on a monthly basis. They responded that the information is correct. They are violating FCRA in multiple ways and I am requesting the account be removed immidiately. I am also filing a complaint with BBB and will be pursuing FDCPA violations against this company as this seems to be a tactic that they have numerous complaints about. I also mailed out a letter with a copy of the information on my credit report last week certified mail so that they are aware of their mistake.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 3 accounts with Bank of America for many years. 2 business and 1 personal. Bank of America never supported our small businesses or had a dedicated person to provide guidance and proper services. Recently, I went online to see someone that I could talk to to check products for XXXX XXXX XXXX. It offered me a line of credit that works like a credit card with a limit under XXXX. I provided all the information for a pre-check, and I was informed that the product was the best offer. The information provided put the business in good shape for application. The manager checked it many times before applying. After the application, it was declined, with Bank of America offering not only the XXXX but nothing. Given that I had given all the information, I should have known if XXXX XXXX wasn't eligible for anything. I would like to understand the reason for approving nothing, and if this is not reversible, I want the hard inquiry removed from my score because I feel harmed personally and the business.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.
Consumer complaint received 2023-02-16
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. (CA)

XXXX has had the wrong information reporting on my credit report for since 2017. They are reporting that the same loan was charged off twice, once each year. In fact, the company was paid in full and still reported this on my report. They harassed me at my place of employment by showing up and made a big scene in front of my HR supervisor at XXXX XXXX XXXX XXXX  in XXXX CA at XXXX XXXX XXXX. 

Please remove the negative account for breaking the law of fair debt collection practices and contacting my work and harassing me and also false reporting on my credit report.
Consumer complaint received 2023-02-16
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX : {$1400.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (AR)

I HAVE REACHED OUT TO XXXX XXXX XXXX ABOUT A LATE PAYMENT ON ACCOUNT NUMBER XXXX. THEY TOLD ME THEY HAVE UPDATED THIS MATTER, BUT HAS FAIL TO UPDATE THIS ON MY CONSUMER REPORT AS I AM PREPARING TO BUY A HOME. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America business account was frozen and credit card account was closed. With no prior notice both accounts were immediately suspended sending a ripple effect of un paid bills that i thought were getting paid. With this ripple effect it literally shut down my business. Without being able pay my bills it affected my ability to operate my business.