davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I was a victim of identity theft. I had an account showing up on all XXXX  credit reports showing it was opened up with XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX for a {$2000.00} credit limit and a balance of {$1400.00}, under my name and was reporting to all XXXX credit bureaus. I filed multiple disputes with all XXXX credit bureaus as well as XXXX XXXX/ XXXX XXXX XXXX XXXX and sent them all the required docs. The account was removed from XXXX and XXXX ; and I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX stating that a request had been submitted to all XXXX credit bureaus to remove the account as it had been found to be fraudulent. I was unable to obtain a copy of my Equifax credit report since XX/XX/XXXX up until today, XX/XX/XXXX. Upon reviewing, I saw the account is still reporting to only Equifax, after I had previously sent multiple documents that they were requiring of me, including an FTC Identity Theft Report as well as a police report. The documents required were sent multiple times : XXXX XXXX mail on XX/XX/XXXX with a tracking # of XXXX and faxed on XX/XX/XXXX to XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter from Equifax stating that the account was not currently reporting on the Equifax Credit File. I called Equifax today, XX/XX/XXXX, and spoke with a representative named XXXX to request the account be removed since a letter was sent to Equifax on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX to remove the account. Instead of removing the account, another dispute was filed. I asked for the reps employee number and was immediately hung up on. This account needs to be removed from my Equifax credit report as this practice has now turned into being illegal against the Fair Credit Reporting Act. This account was requested to be blocked by Equifax, and was not, until the investigation was complete as it was a result of identity theft. As well as Equifax not removing it once it was found to be fraudulently opened by XXXX XXXX XXXX XXXX and a letter was sent to Equifax by XXXX XXXX XXXX XXXX to remove all tradelines and any related inquiries on XX/XX/XXXX.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (TX)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
NWIDE RECVRY ( Original Creditor : XXXX XXXX XXXX ), balance is {$1500.00}, and account # XXXX
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WV)

Borrower was notified XX/XX/XXXX by XXXX County Courthouse that there were past due taxes on the home. Borrower notified Caliber Home Loans via fax and phone of the past due taxes as well as included the statements from the courthouse of taxes due for XX/XX/XXXX as well as XX/XX/XXXX. 
Contacted Caliber again XX/XX/XXXX and spoke with XXXX XXXX, manager of Customer Service regarding the unpaid taxes from XX/XX/XXXX as well as the now past due taxes for XX/XX/XXXX. Continued communication with XXXX XXXX throughout XX/XX/XXXX have yielded no results on taxes being paid. Now have been notified by XXXX County Courthouse that home is scheduled for auction if past due taxes are not paid by XX/XX/XXXX.
Consumer complaint received 2022-03-28
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. (CA)

In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXX openXXXX  chg off/closed XX/XX/XXXX shows activity XXXX  XX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of XXXX on XX/XX/XXXX XXXX On XXXX shows different date closed XX/XX/XXXX. Amt owed XXXX this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe XXXX. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe XXXX this is not my acct. XXXX # XXXX Open XX/XX/XXXX XXXX off/closed last pmt. XXXX XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of XXXX and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.
Consumer complaint received 2022-03-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXXXXXX openXX/XX/2016XXXXhg off/closed XX/XX/XXXX shows activity XXXX XXXXXX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of {XXXX} XXXX XX/XX/XXXX XXXX On transunion shows different date closed XX/XX/XXXX. Amt owed {$XXXX} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {XXXX}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {XXXX} this is not my acct. XXXX # XXXX Open XX/XX/XXXX chg off/closed last pmt. {XXXX} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {XXXX} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX  not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (WI)

I purchase a boat in XX/XX/XXXXand Financed it through XXXX XXXX  in XXXX, WI. The loan was paid off on time. The WI XXXX still shows a Lien. The XXXX  shows the institution to be XXXX XXXX XXXX XXXX XXXX in XXXX WI. I called the bank several times, there was never an answer and each time I left a message. I traveled to XXXX and found the address belonged to a Theater. I contacted the FDIC and they traced XXXX XXXX  through several mergers to BMO. I contacted BMO and was transferred to several different people in their records divisions. The last stated that for records that old I need to contact XXXX XXXX. I contacted them and they stated they only have car loans and not boat loans and directed me back to the FDIC. The FDIC then directed me to you.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

Applied for a Discover XXXX card, terms offered a 0 % APR balance transfer for 15 months with 3 % fee. I applied for the card and the offer on my new account states 10.99 % on XXXX. I have called and disputed this many times and they will not honor what their terms are on the application.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (FL)

I keep receiving letters from Frost Arnett about a debt I dont owe. The latest one was on XX/XX/XXXX after several attempts before that. I did send a letter indicated that the information of my debt is invalid and also called the company ( Frost-Arnett ) to explain that i never received any service from their client ( XXXX XXXX XXXX ) so that is impossible for me to owe them any money.
Consumer complaint received 2024-02-19
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. (IL)

I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} Opened : XX/XX/XXXX XXXX, XXXX, & Experian have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXX XXXX  demonstrating the inaccuracies. 
XXXX XXXX XXXX Experian report the last payment as XX/XX/XXXX, as XXXX reports the last payment as XX/XX/XXXX. 
- XXXX reports the closing date as XX/XX/XXXX, as Experian XXXX XXXX report the closing as No info. 
- XXXX displays XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX reports the account as a charge off - CO, Experian just as Closed, and XXXX is still reporting the Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am a victim of identity theft and I am unsure of this company but Ive never given permission to be contacted by them. They are harassing me with early morning and late evening calls. Constantly daily multiple times a day.
Consumer complaint received 2022-03-28
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. (FL)

In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXXXX, 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting acXXXX XXXX  XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TN)

I called to cancel my subscription after receiving a monthly bill on my XXXX AMEX statement for {$21.00} charged XXXX/XXXX/16. I placed a block on my account so XXXX XXXX could not charge me anymore. I called again and asked them to cancel my subscription. XXXX XXXX charged me {$130.00} again the next month XXXX/XXXX/16.
Consumer complaint received 2022-04-22
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. (OK)

I am on Social Security. Every year Congress determines if we get a raise. I have had 2 or more Social Security raises/increases since the last reported Social Security income on all three Credit Bureaus. All Credit Bureaus know this happens annually and knows the amount of income you have can have a very positive impact on your credit reports yet they not only fail and refuse to update the information automatically, they provide NO WAY for the consumer to accomplish this important task themselves. I have tried on numerous occasions to no avail. I have even tried to have the sub-contracted lender do it for me and they thought they could but can not. I just want my credit reports to reflect the truth and have no way to do this. Please help. 

Additionally, Transunion and XXXX both report my mortgage as if it was some sort of private loan and not my monthly mortgage payment. XXXX does show it properly as my mortgage payment?
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (CA)

on XX/XX/XXXX I sent a dispuite to Equifax about the following accounts : XXXX ) XXXX XXXX XXXX, which you claim I owe {$9100.00}. 
XXXX ) XXXX XXXX XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX ) XXXX XXXX ) XXXX XXXX, BEST B It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

this a letter that iv recieve from XXXX collection about an amount of XXXX XXXX to pay as balance on an apartment in XXXX XXXX XXXX i have to inform you i have never been live in this apartment even in this area i live in XXXX since 2019 and then suddenly i recieve this letter from this company im not the personne that they suppose to contact.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I always check my credit history and found that I had a collection for a utility company in XXXX Texas. Ive always lived in XXXX Texas and attended college here in XXXX. I have no connection or tie to any of the debt that is owed to midland kollections. I have never lived outside of XXXX Texas.
Consumer complaint received 2024-02-19
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. (NY)

I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note 15 U.S.C 1666B stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and 15 U.S.C 1681 section 602 A. States I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.
Consumer complaint received 2022-04-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 All are unauthorized inquiries without my permission
Consumer complaint received 2022-04-22
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. (TX)

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 XX/XX/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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-04-22
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. (UT)

Experian did not correct my child support balance. It was included in my bankruptcy and disputed the balance, however, Experian indicated that it was already disputed and need to submit new information. 

I attempted to upload the new information to support my dispute but their system did not allow me to. 

XXXX also intercepted my recovery rebate credit and applied the funds to my account
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK (TX)

I am writing this to you as a complaint, I had made a recall request to the bank in order to recall transfers that I inadvertently made to a fraudulent merchant. 
The details of the transfers are as follows : Amount Currency Transaction Date Sending Bank Receiving Bank Beneficiary XXXX USD XXXX XXXX XXXX XXXX XXXX Cathay Bank XXXX And XXXX XXXX XXXX I was contacted by a company that identified itself to me as XXXX XXXX XXXX XXXX. I was instructed to send these funds to specific beneficiaries. The merchant claimed that the funds from these transfers would be used to fund the brokerage/investment account they provided. At the time, the merchant presented this information as if the beneficiary was actually them. 
I didn't receive the service. The merchant XXXX XXXX XXXX XXXX claims to be a broker and provides a self-directed brokerage/investment account with the ability to trade financial instruments ( stocks, CFDs, Binary Options, commodities, etc. ) and with the ability to withdraw funds on request. This was the service I paid for. But this company doesn't have a license for brokerage / investment services and is unable to have ever provided any brokerage / investment account. because all companies ( the merchant and beneficiaries ) don't have a license for brokerage / investment services, they can't provide me with the service I paid for. 
Since initiating these transfers, I have determined that the named beneficiary does not actually have any type of connection to the merchant at all. The terms and conditions provided on the merchants website list the client agreement as being between the merchant, XXXX XXXX XXXX XXXX, and myself. The name of the beneficiary to whom the funds were transferred by bank wire is not listed on the merchants website. 
It has recently been brought to my attention that there is not any connection between the merchant and the beneficiary to whom the funds were transferred. 
That is why I asked my bank, XXXX XXXX XXXX XXXX, to start the wire recall procedure. My bank sent the wire recall request to the beneficiary bank Cathay Bank several times, but the beneficiary bank I believe that the beneficiary bank Cathay Bank is associated with this fraud and money laundering. 
Cathay Bank has responded in my last complaint that they had no records of any recall initiated from my XXXX XXXX XXXX XXXX. I have attached the responses from Cathay Bank received XX/XX/2021
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Wednesday XX/XX/2021 at approximately XXXX, I received this text message which I DON'T have a BofA prepaid card : " Bank of America EDD Debit Card Alert : Your Bank of America EDD Prepaid Debit Card has been temporary suspended. Please click the link below to re-activate your Bank of America EDD Prepaid Card to continue using.

XXXX XXXX XXXX. '' This message was texted to 5 other telephone numbers. This is not the first time I have received such text messages and in most cases I deleted them.