davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I got off the phone with both Chexsystems and XXXX XXXX They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America was unable to return money stolen from me trough fraudulent use of my debit card because they were closed for the holiday on XXXX. Even though I called the fraud/lost card center I was referred to the claims department which was also closed. I explained several times to different employees that I just opened the account and that I desperately needed the funds returned right away so I could make needed purchases I was shocked to learn that no one in the fraud department was able to issue temporary credits, not even supervisors. I ca n't believe that Bank of America 's security was breached so easily ( my new card has a micro chip ) and also that everyone was so helpless ( especially me ) just because of a holiday. Anyone needing to make a car payment or pay their mortgage would have had their credit ruined because of their inefficiencies.
Consumer complaint received 2019-11-22
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: Bonneville Billing and Collections (CO)

I got an email from XXXX XXXX on approx. XX/XX/XXXX saying I have a collection debt reported on my credit. I opened the report and it was for XXXX collection agency is Bonneville Collections, address XXXX XXXX XXXX, XXXX UT XXXX, XXXX for XXXX XXXX XXXX XXXX dated XX/XX/XXXX gong back 3 months. I responded to XXXX XXXX telling them that this is not my account, I haven't heard anything about this until XXXX XXXX sent me the email and I haven't lived in that area for over 20 years. I disputed the item through XXXX XXXX. I did get a phone call about a month or so again from some collection agency ( couldn't understand name ) and when they asked my name and I told them, I was told it was a mistake and they were looking for someone with a name similar to mine. They apologized for the mistake but I don't know which collection agency it was. Today XX/XX/XXXX there was a old derogatory item from I believe XXXX on there but I couldn't access it and after that amount of time it shouldn't be on there anyway. This is so disturbing as I have no idea why this is on my report.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX XXXXXXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXX XXXX XXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX  acct # XXXX, opened XXXX
Consumer complaint received 2021-11-18
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. (FL)

AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (WA)

I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. 

I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. 

Please make them stop calling and mailing me. Thank you in advance.
Consumer complaint received 2022-12-17
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MI)

The company reports that they hired a private investigator to contact me. This PI contacted 3 of my family members at their place of employment. The PI disclosed that I was being sued for debt and demanded that they provide her with personal, identifying information. She called my brother-in-law, a XXXX for a police department, 6 times on his work cell phone. He was obligated to answer as he thought these calls were work related. These calls were inappropriate and interfered with his ability to perform his work duties. These calls also placed him at risk during an already risky occupation. The woman was harassing multiple family members by calling them at least three times while they were at work. She also called my terminally ill parent and scared them. Over 25 calls were made within a three hour window on XX/XX/18. I called the company to file a formal complaint and the first woman hung up on me ; I called back and a gentleman said they can not do that. They would not release the information of this woman ( PI ) and they would not allow me to speak with someone in charge. Additionally, they did not have valid or updated information which was why they were unable to contact me. This company uses fear tactics, harassment, and shame to pressure people into releasing personal information. Their tactics are harmful to people who are already in an unstable situation. Please note that when I was actually contacted and made aware, this debt was paid in full.
Consumer complaint received 2022-12-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
SOCIAL SECURITY XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-18
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 have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian in particular keeps setting my credit rating below par. They want the consumer to pay them tons of fees for nonsense services. Its racism and profiteering at the expense of the American consumer. It has to stop less we create poverty. Please help investigate these 3 bureaus and fine sue them whatever you can do. Im not alone on this and I know other families have the same issue. Selfishness and greed at the expense of others is not the values the America is about and what our kids pick up. Thank you.
Consumer complaint received 2023-10-06
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. (MI)

XXXX has violated the FCRA by reporting inaccurate information on my credit report. XXXX acct # XXXX opened XX/XX/2019 is reporting on my credit report as charge off/collection. This is NOT my account. This erroneous information is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Capital Management Services, LP (CA)

My name is XXXX XXXX who was a customer about credit card from the company to be sub-coordinators of XXXX before. In my past, XXXX XXXX XXXXXXXX used to close my bank A/C in XXXX, 2019 wthout letting me know in advance and before that, they issued credit cards for me to use them that I spent it wisely almost 2 years. That meaned I always paid it on time that never delayed with the credit card company. You all can inspect it in my history thoroughly and I wasn't the person who closed XXXX by myself so that I would avoid payment for credit card {$1300.00} but the main cause was from XXXX ; not me. When the company was unable to follow up me, they got XXXX to reimburse the company instead of me first in this time that I thought it's very fair for credit company. I learned it from emails that were sent me continually. 

Anyhow, you all should have to remove my damaged record or spoilt history about me from the consumer reporting agency urgently because before that I had big deal to spend it with huge amount to do urgent matter about financial life to complete before I can clear and pay off XXXX in the near future. Please help me as my request!
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (AL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022, my business partner received a text that said " <BofA> Did you attempt a {$5000.00} XXXX transfer? Reply YES/NO/HELP '' and he responded yes. After that he received a call from a XXXX # that matched the Bank of America 's customer service phone number. The caller told my partner that our checking account has been compromised, and that in order to confirm our account and to reverse the fraudulent charge, my partner had to make a XXXX transfer of {$5000.00}. He did so before catching on that it was a scam. We contacted Bank of America as soon as we could and reported the fraud. However, the bank claims that there is nothing they can do because my partner " authorized '' the transfer, even thought it was under false pretenses.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act : XXXX and XXXX, account number # # # # # XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-17
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. (TN)

I noticed unauthorized credit inquiries. I did not authorize these and asked that they be removed. Please delete immediately -XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

We closed out a loan with PenFed credit union-paid off XXXX mortgages with them. For our florida house that we paid off, they kept our escrow money. It is my understanding that they need us to sign something to allow them to keep that money for any reason. We closed on that months ago and still have yet to receive escrow monies of XXXX they held, plus over XXXX that we had to give as a deposit despite already paying a full year of insurance before closing. We then had no money to pay for the insurance that was due! How can these big banks be allowed to have fraudulent business practices?
Consumer complaint received 2019-11-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The complaint that we filed the last time was closed, but we are still receiving erroneous collection letters and debt collector telephone calls from Loancare. This is contrary to the letter response that Loancare sent to CFPB. That Loancare letter stated that our account has been updated to non-delinquent status since XX/XX/2019.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. ()

By the provisions of the Fair Credit Reporting Act, I am submitting this request that the following Accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. nThe following accounts are listed below : XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : $
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (AL)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2022-05-23
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. (SC)

I have a credit card from XXXX XXXX  XXXX XXXX ( XXXX ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX BANK XXXX XXXX ( XXXX ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  XXXX XXXX ( XXXX ) with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2022-05-23
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. (SC)

I have a credit card from XXXX XXXX  XXXX XXXX ( XXXX ), and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX XXXX ( XXXX ) and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX  XXXX XXXX ( XXXX ) with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account on my credit was never late. 

XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M 51M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current Status Updated XX/XX/XXXX Balance {$14000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance {$31000.00} Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments FIXED RATE Payment History
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXXXXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX  : XXXX XXXX. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7XXXX XXXX XXXX XXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX  XXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/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 consent/instructions.