davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX your own addition to the last complaint you stated each purchase of your debt was done on or about XX/XX/XXXX yet I mailed XXXX a certified copy of the court and its on my credit report right now that I was arrested on XX/XX/XXXX and XXXX on XX/XX/XXXX XXXX your own report your lying on. The fact that you probperly contactact me.. your own reports state the time and my credit record shows my XXXX dates .. your violating the fair credit act.. I mailed a certify copy of the dispusition of the court to show when I was arrested yet you choose to ignore the facts. Its not my fault u assumed responsibilty of a debt and then didnt take proper actions to ensure it. Its your error now remove it from my report your causing me hardship
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Equifax has a medical debt opened on XX/XX/2020 for a balance of {$290.00} reported as three different collections with each having their own account number. This is fraudulent, there is only one collection and I disputed it at least twice and each time I dispute the error the debt collector reports it again under a different account number adding another collection on my report for the same debt. Neither Equifax nor XXXX XXXX will take accountability for this fraud. This is willful and intentional fraud and violation of the FCRA and my rights by both Equifax and the debt collection agency known as XXXX XXXX based out of XXXX XXXX Louisiana This is hurting my credit and my lending ability and I want them both held accountable and punished I will pursue a Federal Lawsuit if this is not resolved
Consumer complaint received 2023-07-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, 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 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 2021-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

I am a client of XXXX XXXX a debt consolidation company. They settled an account with XXXX XXXXMidland Credit Management in the amount of {$2600.00}, from the original {$5700.00}. The debt has been fully paid on XX/XX/XXXX after monthly payments starting in XX/XX/XXXX of {$100.00} and the final payment of {$120.00}. I got an alert from XXXX and XXXX  that received a negative file on my credit report from Midland Credit Management in XX/XX/XXXX. Upon checking it is for the remainder of my balance that was previously settled upon and no longer owed. Midland Credit Management is trying to go back on their settlement and receive the entire sum which is not the agreement with myself or XXXX XXXX. I have contacted XXXX XXXX and they are also aware and fighting this, Ive contacted Midland Credit Management and they just try to bully me and not tell me what the debt is for only that it is my debt and that it is owed.
Consumer complaint received 2023-05-20
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. (OR)

The private XXXX loan on all three of my credit reports XXXX XXXX two of them, were taken out as indicated in XXXX. I graduated in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX  loan, it is a PRIVATE loan.
Consumer complaint received 2021-07-31
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I have business and I try to open credit Card Citi Bank Costco, but I always get a refusal even if I have a good credit level ( on XX/XX/2021 XXXX  XXXX, XXXX  XXXX ( see attached ) ). Bank unable to approve application because : " A bankruptcy was recorded on your credit bureau report ''. 
I consider this to be complete discrimination, if a person had bankruptcy for life reasons, in my case there was a business robbery, this does not mean that I am no longer a person and do not have the right to receive credit cards at the same time other credit companies open credit cards without problems. 
Application ID XXXX
Consumer complaint received 2023-07-28
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. (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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-28
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-14
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX  - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

EXPERIAN XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

You Bank OF America have pulled my credit report on XX/XX/23 and have denied me credit which is a violation according to FCRA.

You are in violation of : 12 CFR 1002 : equal credit opportunity act 15 US Code 1642 : issuance of credit cards 15 US Code 1681m : requirements on users of consumer reports.

Thats a {$1000.00} for each violation. I am requesting your company to please reconsider my application for approval. Thank You
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

XXXX XXXX XXXX XXXX - XXXX Dear : I XXXX XXXX consumer , and natural person, am aware of all right that I have, and which are protected by the Congress under the fair credit act ( FRA ). The Iist of account below has violated my federal protected consumers right to Privacy and confidentiality under 15 use 1681. 
( XXXX ). Account Name Exeter Finance LLC Account Number : XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account number : XXXX 15 u.s.c 1681 602 A states I have the right to privacy 15 u.s.c 1681 section 602 A states 2 : It also state a consumer reporting agency can not furnish an account without My written Instructions, with respect to my privacy Im asking you to Delete these account immediately, unless you want to be held {$1000.00} per Violation. 
XXXX XXXX
Consumer complaint received 2024-03-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

Tried to close my Citibank savings account and get my {$32000.00} They said my account was not active even though just opened in XXXX, but I could go to a branch and get it. One problem. No branches in the state of Arizona anymore. There is no way to get it done by phone or online. They asked for a letter to re-activate my account and get a check. I sent it on XX/XX/XXXX and it is still not processed. I spent over 5 hours so far on the phone with customer service. Guess what? Their customer service is in XXXX and none in the XXXX! My only choice is to fly from XXXX to XXXX XXXX or XXXX XXXX and withdraw my money from a branch there.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. CREDIT MGMT XXXX
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A Property at XXXX XXXX XXXX XXXX Fl XXXX was going to be refinanced when about or in the middle of XX/XX/XXXX I/we were given a letter by the people staying at the said property From Bank of America dated XX/XX/XXXX and addressed to the Estate of XXXX XXXX and referring to such specific property and to the Loan # XXXX. 
And the Bank of America letter said that " the referenced Loan # XXXX Matured in XX/XX/XXXX and that the total amount in the Loan was Not Paid '' LEAVING AN UNPAID BALANCE OF {$1.00} AS PER PAY OFF DUE CALCULATION OF PRINCIPAL BALANCE AND INTEREST DUE FROM XX/XX/XXXX to XX/XX/XXXX Of {$0.00} CENTS AND ADDITIONAL {$6.00} FOR A SAID COUNTY RECORDING FEE and others. Threatening the XXXX XXXX XXXX XXXX XXXX Property with Foreclosure. 

The Mortgage Loans Debt of Bank of America for property at XXXX XXXX XXXX XXXX were the main factor for XXXX XXXX Banruptcy Ca # XXXX And were paid in its Entirety as per their Allowed by the Bankruptcy Court Claim Amount for {$250000.00} as XXXX XXXX STANDING TRUSTEE FINAL REPORT AND ACCOUNT FILED ON XXXX/XXXX/XXXX AS XXXX XXXX of Court Records for Ca # XXXX XXXX. 
I XXXX XXXX as " the Personal Representative of the Estate of XXXX XXXX as per the Admistration Letter Issued by the Court ( and also enclosed to Bank of America ) addressed Bank of America with a request for Correction and explanation for then to show a $ XXXX Balance for the referenced Mortge Loan # XXXX and other balances. 
But as today XXXX No Answer is the Answer from Bank of america .

Furthermore Bank of America had up to XX/XX/XXXX to file with the Court any Objection to the Payments Received and or Balances or Issues Related to the Case # XXXX XXXX as per Notice entered in records by XXXX XXXX XXXX Trustee. And Bank did Not. 
As result of Bank of America mistaken Assertion of Debt ; the XXXX XXXX XXXX XXXX Property and to to the Sudden Surprise of its owners such property had Not been been Issued yet a Release of the Bank of America Mortgage with a $ XXXX Balance.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

Checked my credit report to make sure everything was complete and accurate on my credit report when I went to the hard inquiries section I noticed there were some hard inquiries I didnt authorized I sent letters to all 3 credit bureaus XXXX Experian and XXXX informed them these are unauthorized and I did not do and it is still not removed from my credit report I dont know whats going on I dont know if theyre working but it is still on my report and it shouldnt be
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act XXXX account # 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
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (AL)

On XX/XX/2021 I was unable to access my XXXX account via the mobile app. I had used the app previously with no problems, but on that date it gave an error that my device did not meet security requirements. I called customer service and they suggested accessing the account through a browser. I tried several browsers on different computers and got the same error, but was finally able to log into online banking from an incognito window. The CSR said I would be unable to use XXXX ( my reason for logging in that day was to send {$1000.00} for a car downpayment ) from the browser, and it would only work from the mobile app. She said they would open a ticket and look into the issue and get back to me. I was never contacted about this issue again, but was able to borrow money from a family member to get the needed funds that day. Starting on XX/XX/2021, I was no longer able to access online banking through any method ( an error said my credentials were incorrect ). I called to have this resolved on XX/XX/2021. I was told I would no longer be able to access my account due to " business reasons '' and my account would be closed. I asked to have my funds transferred to another bank and was told they would not be able to access my funds, but sometime after my account closure, they will my me a check. At this time I can not even check my balance or transaction history, and have no way of verifying if they are actually accounting for my funds.
Consumer complaint received 2021-08-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of zero? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}
Consumer complaint received 2024-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (MI)

Your radio buttons don't cover my scenario. 

I have an HELOC with Rocket Mortgage/XXXX They refuse to allow me to access the funds. Their only method of verification ( after answering XXXX PII questions ) is to send me a code via text. But their codes always say they will NEVER ask for them, because that is a highly used scam method. They refuse to allow me to access the line of credit.