davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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. (OH)

My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX etc, XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX # XXXX
Consumer complaint received 2024-03-14
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. (TX)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Consumer complaint received 2021-09-29
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: LEXISNEXIS (FL)

Lexis Nexis and XXXX have shared my personal information without my written consent. Pursuant to 15 USC 1681b, ( permissible purposes of consumer reports ) a consumer reporting agency may furnish a consumer report only if they have written consent from the consumer to do so. I never gave them my written consent but they have furnished my personal information to multiple agencies like XXXX, XXXX, and XXXX. I put a freeze on the file they have on me and they are still furnishing my information to XXXX, XXXX, and XXXX. They are deliberately breaking federal law that is punishable under 15 USC 1681n ( willful non-compliance ).
Consumer complaint received 2021-09-29
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. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game TransUnion permission to report anything on me? I need answers now!
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IA)

On XX/XX/2021 I sent a letter to CREDIT COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've try to open checking account with Bank of America past month and I found out someone stolen my identity and opened two Bank of America checking account so I can't open account on my own because of that so I've spoke with fraud department and open two fraud claim for it. First claim number it's Case number XXXX for account ending in XXXX and second claim number its XXXX for account ending in XXXX and two weeks ago Bank of America customer service told me they've finished investigation and saying Weve completed our research on your claim listed above and determined you arent the person responsible for opening the account. but I'm still unable to XXXXpen Bank of America checking account on my own afterward. Ive try to open one online but they closed it right after I opened it and I went into a branch with my social security card and two form of id and they still wouldn't let me opened it and it popped an error saying " fraud '' when banker tried to open one for me.
Consumer complaint received 2021-09-29
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. (PA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me in the first place? I need answers now!
Consumer complaint received 2021-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. XXXX is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and Transunion is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone Transunion is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and XXXX is reporting it as {$290.00}. Second is the Dola Date Transunion is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Third error is that transunion is reporting the closed date as XX/XX/XXXX but experian and XXXX has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but XXXX is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but XXXX is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when XXXX is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years
Consumer complaint received 2021-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

It started in XX/XX/2021, when I was told by Lakeview loan servicing/XXXX  ( they hold my home loan ) that my XXXX mortgage payment got lost, they found out that they move my payment to another account holder without my knowledge. I have never missed any of my mortgage payments and they know because my payment record shows it. They assure me they will fix within the next days, 5 months have passed I call them literally once or twice a week. I have talked to numerous of their agents including supervisors and even agents that supposedly resolve this type of issues, up to this date nothing is been done. Today I spoke to one of their agents and she told I have two days to repay that lost payment, threatening me to report it to the credit bureau, a payment they lost!

I have sent proof of payments from my bank that clearly shows payments posted to Lakeview not only once but several times. They have admitted that they got all my payments but they can not return my money to my account because is still under investigation ( its been under investigation for 4 months ) and I am paying the consequences. They have me over the edge, They have been sending letters threatening to foreclosure! 
I still hope this issue gets resolved soon so we get to enjoy our house we recently purchased.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (TX)

I used credit karma to receive my free credit report for the first time. The site was unable to verify that I am who I say I am because I have no idea as to what the answers are to verify my report. I have never seen any of the questions before in my life because I don't have anything in my name. I believe someone has been using my identity and now I have no idea what they did to my credit report. Please help me figure this all out.
Consumer complaint received 2021-09-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-09-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (TN)

They are trying to place 2 account that are the exact same account that is NOT mine! They have the wrong birthdate too! After i filed a complaint, they then reported the same account but changed the amount by {$1.00} to make another account to post on my credit report in retaliation. I am preparing to take legal action!!!
Consumer complaint received 2021-09-29
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. (TX)

Around XXXX, I applied for an apartment lease only to be told I needed to pay a double deposit due to credit. To my knowledge I had a decent score of around XXXX last is checked. The complex advised they used Equifax for credit. When I pulled my Equifax report I found that my name and date of birth had been changed without my knowledge or consent. Upon calling Equifax, I was asked for ID, SSN card or birth certificate. All were provided and yet my information was not corrected. After more than 20 calls and numerous disputes of a {$120.00} charge on my credit that doesn't belong to me yet still remains, I was advised a creditor had updated my information but I refused the name of the creditor and the date of the update. I contacted the creditor of the erroneous charge on my credit report and was told the debt was incurred in Alabama by someone of a different name than me. I've never been to nor lived in Alabama. Not do I know anyone who lives there. During my last call to Equifax in XXXX, I was advised by an agent that my Texas drivers license, SSN card and birth certificate were all there but unusable at this time to correct my credit file because they were received in XXXX. Now, they've frozen my credit file and have made no updates since XX/XX/XXXX. I'm unable to submit disputes by phone or online and the information they have of record does not match any other bureaus. I believe I was either a victim of their data breach wherein they mixed my file with another person 's or they've erroneously changed my information and refuse to correct their error. Either way, it has impacted my ability to obtain credit and has cost me significantly more to live everyday life. This is my second written complaint to you as the first was closed without a resolution.
Consumer complaint received 2021-09-29
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. (PA)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.
Consumer complaint received 2021-09-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I lost my card and someone took my money out on atm on two different date with total {$400.00} I filed two fraudulent claim on XX/XX/XXXX for two atm withdrawal transactions. XXXXTransaction, ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ATM ID XXXX CARD 4548Amount, {$180.00} XXXX, ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ATM ID XXXX CARD XXXXAmount , {$220.00} and after Wells Fargo investigated they closed and denied my claim and I called in and asked them to check atm camera video then they will know it's not me processing that transaction but they refused to do so and give me my {$400.00} back
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Hello, My Citibank card ending in XXXX was set on autopay for my wifes engagement ring insurance and charged on XX/XX/XXXX. The card was charged {$57.00} for the year and there was no previous balance. 
On XX/XX/2021 Citibank received a payment from my bank in the amount of {$57.00}. This payment would have brought the balance down to XXXX. Unfortunately the payment was made 3 days late and as a result citi charged my account a {$29.00} late fee. 

I did not realize that I had been assessed a late fee until I checked XX/XX/2021 and Citibank had charged a {$40.00} late fee on top of the previous late fee. 

I reached out to customer service and asked them to assist with a potential refund of both late fees since the account does not have a history of late fees and the card is at a XXXX balance. Customer service did not waive both late charges. They waived the {$40.00} late fee but made me the {$29.00} late fee. I still feel this to be a predatory practice as Citibank could have waived both late fees especially considering the account is now back to a XXXX balance.
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

I sent a letter on XX/XX/21 to XXXX XXXX XXXX XXXX i sent it by certified mail and with a return receipt Certified mail receipt # XXXX Return receipt # XXXX By the way no one signed for it and I never received a response ever. The letter was of course disputing the debt ( Ive attached the letter as well ) I indicated when the vehicle was purchase and reloaded in Florida under laws of gl and ucc XXXX as well as state risa and mvisa statutes, a defincency can not be claimed unless all of the required notices were properly and timely given. Please review letter I demanded proof that the repossession of the subject vehicle was legal in accordance with the following ucc this company is required to provide me with copies of legal notices and proof of the commercially reasonable manner of notification and resale of the subject vehicle the proof was NEVER present and if not provided within 15 days feel Receipt of certified letter the claim is void to even continue reporting is a violation they never responded to this letter and anytime I send anything to this address XXXX provided I get delays faulty contact info is a violation as well Im asking that you ensure that this company honors my consumer rights. I even sent a letter to car connection and receive no response
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

This co. XXXX XXXX XXXX/ and XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX now issuing CA based unknown phone # XXXX call many times would not levee a Mesg I called this # back and finely got some one and they said that they could not give me any info without my SSN and PHONE # I told them they just called me and why are you calling they refused : this co is XXXX XXXX XXXX/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have reported them many time over the last 3 years