davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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. (OH)

This bellow I sent to Credit Bureaus via certify mail '' " Account Name : XXXX XXXX Account number : XXXX To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reasons were not frivolous in any way. '' I did not received any response from Experian and XXXX, only Experian and XXXX keep posting wrong info on my report.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It all started in XX/XX/XXXX when I received a notification to my email from Bank of America about an unusual movement in my business account, I immediately responded by email notifying that I did not recognize these bank movements in my business account, I called the bank and They made the decision to close the business and personal account, from that moment on for my family and my personal life it has been very difficult, they bankrupted the company and emotionally and financially destabilized my life and that of my family, it made us XXXX Our lives around the world were surrounded by the decision of the bank. I called several times and they did not give me any solution to my case. From then on it became difficult for me to fulfill my credit card commitments, all because of the closing of bank accounts. 
I am currently out of the country, possibly at the end of XXXX, as soon as my XXXX XXXX is renewed, I will return to the XXXX.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion consumer solution does not want to remove inquiries that do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by XXXX
Consumer complaint received 2020-03-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided. 

I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I noticed an Adverse account In Collections reporting on my credit report from for a {$230.00} debt balance due to L.J. Ross Associates. I had never heard of this company and I certainly never signed a contract with them. 

I contacted L.J. Ross Associates by phone on multiple different occasions to advise them that I was unaware of the debt that they are reporting and I requested that they remove it. I offered to pay the debt if they would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt has had on my credit. 

This is not my debt. I have not ever conducted any business with L.J. Ross Associates. I have never requested their services and I never signed an agreement to pay L.J. Ross Associates for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (WV)

There was a charge on my BB & T now truist? checking account for {$1100.00} around XX/XX/2020 in XXXX XXXX West Virginia that I did not authorize. I was being overcharged by a gymnastics company named XXXX XXXX. I am in a dispute with the owner of the gym. He kept my debit card on file and charged it. I am not enrolled in any sort of auto pay with this company, I never signed a contract for the amount of {$1100.00} and I never ever gave this man permission to charge my debit card. Ive filed 2 separate claims with Bb & T and they say theres nothing they can do. Nobody alerted me this amount was charged, the bank nor the owner of XXXX XXXX, XXXX XXXX. It wiped my account out and left me XXXX cents. BB & T will not own up to this, they are NOT protecting me, despite showing them proof that I never gave this man permission to help himself to my bank account.
Consumer complaint received 2022-12-24
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. (OH)

Credit inquires, XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX? XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

I provided my DR card information for 1 time {$1.00} fee for credit report and without my consent and approval I was charged for 3 months including the same month I asked for credit report for membership which is {$23.00} for XXXX, XXXX and XX/XX/2020. I called and cancelled membership but they only reimbursed me with XXXX and was not able to get reimbursed for XXXX and XXXX. It was very hard to find a phone number to speak to a live customer service rep and get the cancellation.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

I have a joint account with my spouse at XXXX XXXX XXXX and have 2 debits cards ( one in my name and one in her name ) on this joint account. The debit cards are issued by BNY Mellon Card Services. The fraudsters have obtained both debit card numbers and used them on 3 merchants - XXXX, XXXX, XXXX XXXX. I reported the fraud to BNY Mellon Card Services in early XX/XX/XXXX. The fraud activities started in early XX/XX/XXXX until XX/XX/XXXX. The amounts added up to approx {$5000.00}. My spouse is the only person using both debit cards. I only discovered the fraud activities when I noticed a large increase in spending and I asked my spouse to reconciliate the account debits. BNY Mellon has repeatedly denied the fraud activities, instead accusing us of lying to them about those fraudulent charges. I have reported this crime to the Financial Crime Unit with the XXXX Police Department.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/2020, I filed a complaint disputing a fraudulent charge on my Bank of America account ending XXXX, in the amount of {$3100.00}. On XX/XX/2020, I received a letter from Bank of America rejecting my claim stating that " Our records show the transaction activity in question was authorized and posted correctly to your account ''. When the charges took place, my card was not in my position. Bank of America did not explain why they came to that conclusion rejecting my fraudulent claim. I did not make or authorized the charge on my account. I am a victim of Identity theft. I am requesting Bank of America to do a proper investigation and send me a report with explanation with evidence why they came to this conclusion when I did not purchase or authorized anyone to use my card to make purchases in question.
Consumer complaint received 2024-03-19
Product: Credit reporting 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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
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: Central Portfolio Control Inc. (OH)

To Whom It May Concern, The reason for my dispute is CENTRAL PORTFOLIO CONTROL INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CENTRAL PORTFOLIO CONTROL INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 807 ( 1 ) CENTRAL PORTFOLIO CONTROL INC Validations of date and Mini-Mirandi under Section807 ( 1 ) CENTRAL PORTFOLIO CONTROL INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CENTRAL PORTFOLIO CONTROL INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CENTRAL PORTFOLIO CONTROL INC is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CENTRAL PORTFOLIO CONTROL INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NV)

We paid off a mortgage loan with PHH Mortgage in early XX/XX/2019 but they refused to confirm that payoff to our new prospective lender for almost 60 days during which time they reported our loan payments as delinquent. They have since acknowledged that error and claimed they instructed the credit bureaus to revise our history to eliminate the delinquency. 

Our issue is a simple one. It is now 90 days since PHH Mortgage promised to fix their error and yet the credit bureaus still report our fraudulent delinquency. PLEASE tell us what we need to do to finally provide a remedy for this illegal activity on the part f PHH Mortgage.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, Equifax, and XXXX assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial.

They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2023-06-29
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. (TN)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2020-12-29
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: BMW Financial Services NA, LLC (FL)

Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XXXX. After my XXXX XXXX  ended, unknown accounts were open in my name. I now have alerts on my credit report.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

Discover Card that was opened in 2017 was stolen from me and there were fraudlent charges on the act. I did file a police report and sent it to Discover. They told me that the charges would be investigated and in fact they were not. They never sent me any proof that the charges were being looked into. They did however continue to harrass a XXXXyear old woman regarding the balance on the act. At some point they sent the file to an attorney and filed a law suit without ever showing any proof that the charges I was disputing were mine. 
Spoke to an attorney who has dealt with Discover before and he told me that typically I would get a package in the mail, Dispute the charges, sign the form and send it back. I was also told this by the Rep at Discover. 
This never happened. On XX/XX/XXXX, I was served documents to show up in court. I am a XXXX year old elderly woman on Social Security. How is it that these Credit Card companies can get away with no reveiw of accounts and simply state that you are accountable for charges and never show or give you proof that you made them. This is ridiculous. I have uploaded my Police report as well.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (FL)

Dear sir/madam, I had a visa gift card from XXXX store on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX on XX/XX/2019. It should have USD XXXX. After I used it a few times in Michigan and Florida ( later I moved ), card declined at store for not having enough money. Initially, I have not paid much attention. Fortunately, I didn't throw the card away either. I visited the website mentioned on the card and check the balance. I found that I spent little ~ USD XXXX, and rest of the XXXX disappeared. However, balance showed on the webpage ~ XXXX. 
Kroger gave me a case number ( # XXXX ) but never resolved the issue. I waited many many hours wasting my valuable time to speak to multiple representative of visa gift card. I sent them document that I collected from XXXX XXXX XXXX, but still nothing happened. Later I read lot of people lost their money. 
I will appreciate if you kindly help me. Please let me know if you have any question. 
Sincerely, yours XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$880.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX