davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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)

I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX
Consumer complaint received 2020-06-10
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: Alpine Credit, Inc (NE)

The credit bureau XXXX  is reporting a collection account with Alpine Credit , Inc. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX  credit report.
Consumer complaint received 2020-01-02
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. (FL)

I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.
Consumer complaint received 2023-01-14
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: T.S. Holdings (NV)

Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Unauthorized accounts that are closed : XXXX XXXX, XXXX XXXX, Unuthorized Inquires Continued : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
Consumer complaint received 2020-06-10
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX  XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-01-02
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: EQUIFAX, INC. (FL)

I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, 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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the listed items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/2016
Consumer complaint received 2021-11-23
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. (NY)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (MS)

I was attempting to activate the card, after receiving it. I was interrupted twice as I was attempting to activate the card. When I tried a third time to activate the card the recording said the card was locked due to too many attempts. I called the XXXX number located on the card, and since the card was never activated the system could not help me. I did this several times until I was exhausted and frustrated. Since the card was locked and never activated the system does not recognize my card. I went online to activate my card and the online system does not recognize my card since it was never activated either. I called XXXX, and XXXX and the same results. the system can only help you, if your card has been activated. My card was never activated since I never got to this part in the call, and it was locked. I have searched to speak to some one with no avail. After calling all the numbers I was never given the option to speak with someone. Several times I chose the lost/stolen option in hope to speak to someone and the phone would automatically hang up. This system is not designed to assist people if their card haven't been activated, only for consumers who cards have been activated. I was only able to speak to a person when I called Consumer Financial Protection Bureau, but they couldn't help either, they were able to give me the XXXX, and offer me the opportunity make a complaint. Their is a problem with the system for people whose cards have not been activated. Please consider an option to speak with a real person. I did go to the XXXX website and reviewed the frequently asked questions concerning the debit card and no unique incident was like mine. Please help! this is frustration and aggravating you may reach me at cell : XXXX or at XXXX XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kansas Counselors, Inc. (MO)

Only after running a credit report did I find out I had a medical bill in collections. I was notified on XXXX by the lending agency of the credit report. I called Kansas Counselors, Inc ( KCI ) on XXXX and left a message requesting written notification of the attempt to collect the debt as I had not received such notification. I have not received any notice nor communication from KCI to date. This debt originated at XXXX XXXX XXXX XXXX, moved to their billing group XXXX then onto KCI.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-01-13
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. (IL)

Was notified through XXXX that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Braviant Holdings, LLC (TX)

XX/XX/21 - I would have to look at call logs for the other calls. However, for the past year this company has contacted me claiming I've " maliciously defrauded '' a company and need to pay them immediately. A prior rep of theirs did collect XXXX dollars from me and I have yet to receive any communication or documentation on the debt owed or who it's even owed to. They claim to be a " mediator '' and that I will be taken to court if I don't pay them. Again, I've asked for documentation and again, received none. 

They've also had reps claim to be process servers in the past. 

Today, they contacted my current employer, which I did not work at at the time of my alleged debt. I have in no way given them, or the alleged original creditor this information. 

They have continued for the past year to contact my ex-husbands extended family members both on their work and personal cell phones. Even after being told they don't know me. 

Today a rep told me my refusal to comply with her after I asked for their address and information, which is my right, that " this is why I'm in this situation ''. This is harassment, bullying, impersonating legal entities, continuing to call after being asked to stop. 

I will be sending a stop request via mail per the fair credit act and hopefully this stops.
Consumer complaint received 2019-12-23
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: Experian Information Solutions Inc. (MA)

Hi CFPB, With all do respect Experian Credit Bureau is failing to increase my scorce with my payments on my cards. I think because I had a membership XXXX membership that included all three credit bureaus that they are just making my scorce fluid and not including my paying off cards or close to that. Anotherwords they are not increasing the score as a formula of abuse and exploitation so that I get the membership again and make me feel badly. This is Elder abuse and they need to fix this. I also asked for my freeze to be lifted which was on XX/XX/2019 and then again on XX/XX/2019 and quess what it has not be lifed. No pin numbers that are suppose get mailed are ever mailed. XXXX did that twice at Experian and XXXX XXXX was requested to do the same. I pay off cards and they did not increase the score from 3 months ago. 
They either make mistakes or are full of it. I will sue these persons ... .Something else is wrong. I think it is because I realized they are PHISHING FOR consumers pin numbers to breach their bank accounts. They are using personnel who do this which results in what happened with XXXX. I can not access my accounts because I am not a member. Please stop Experian and XXXX XXXX from this kind of abuse and exploitation.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My husband passed away on XX/XX/2022 and the bank put a hold on half my savings account on or around XX/XX/2022. It's a joint account but because the account was opened years ago in NC they said we neglected to " check the little box '' on the signature cards giving other account holder 100 % of survivor funds. I called the bank and spoke to my first Customer Representative. They told me I would need to go to the probate court in NC and get a small estate affidavit. I reminded the representative that my husband died in XXXX where we live and the court in NC would not have a record of his death. She said I would need to get the document from a probate court in XXXX and that it is considered a legal document. I went to probate court in XXXX and they didn't know what document the bank was requesting and could not assist. I hired an attorney and the day before I was to meet him, I got several forms from Bank of America asking for me to complete and return to the bank ( notarized ) or go to local bank and have them sent to BofA XXXX XXXX. I took the affidavit to the attorney and he completed and notarized. On XX/XX/XXXX, I met with a local BofA representative in XXXX  and they called the XXXX XXXX and all documents needed were sent to the XXXX XXXX. I was told it would take 8 to 10 business days for hold to be released. About 9 days into this period, I received another letter from BofA asking for more documents ( a Letter of Instruction ) that the local representative said was not needed " per the XXXX XXXX Rep '' she spoke with the day I was in the bank. I sent it electronically anyway. I went back to the local bank on XX/XX/XXXX. I spent one hour trying to get resolution. I was told on XX/XX/XXXX all documents were on file and the hold would be released in 2 business days. On the 2nd business day, XX/XX/XXXX I received another letter from BofA asking for yet another document. This document was sent with the XXXX and XXXX XXXX on XX/XX/XXXX. I called BofA again XX/XX/XXXX and confirmed they have all documents and then was told it would take 8 business days for hold to be released. I said no and asked for a manager. I was told I could not talk to the manager and worst-case scenario my funds would be available in another 2 business days. I hung up and went to local bank and no one could meet with me. I asked for a phone call from local BofA representative, and she basically said they could not help me, and I would need to keep working with the XXXX XXXX. BofA has had control of my funds now for approximate 25 days
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

One year ago, I fulfilled my financial obligation to Goldman Sachs Bank by satisfying the balance on my remaining credit, which exceeded one thousand dollars, and closing my account. The bank representative assured me that my credit card was fully paid off and that my account was closed. Despite this, I was surprised to find that my credit report displayed a derogatory mark for the account which had been closed for some time, indicating a fee that was not meant to have been applied to a closed account. This has had significant and far-reaching consequences, hindering my ability to secure a new apartment and obtain employment, and even restricting my access to financial services such as car loans. Goldman Sachs Bank has severely impacted my life.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

A collection account was removed from my Transunion credit report. My credit score did not increase as a result of the collection account with XXXX XXXX XXXX being removed from my report.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 1. You have not put the notice required by section 623, even though I have disputed this account in the past. This shows you didn't do a proper investigation which is a big violation. XXXX Account Number : XXXX Please Submit onto the ACDV form and please Delete it under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX '' ... REMOVE ALL FROM CREDIT FILE
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2022, Bank of America charged me {$550.00} for a corporate ( e.g., its ) check to XXXX XXXX. In accordance with my long standing request for a monthly bill pay. That check to date has not been received by the merchant. My initial attempts to resolve this dispute included discussions with the bank 's customer service line. All that the bank 's representative could do was to assure me thate amount has been debited from my account. I knew that. I subsequently tried to see a customer service representative at a local branch. The bank informed me online has no such employees in its branches in downtown XXXX. I also requested a call from another representative. The bank informed me online that it has no one available to return my call. I finally sent a letter to the bank 's home office. That was responded to by a form letter from the bank saying that it could not respond and that I had to call a customer service representative!