davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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. (FL)

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX on Experian. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on Experian. {$0.00} on XXXX Last Reported : XXXXon Experian. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on Experian. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on Experian.XXXXXXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my Experian and XXXX. 

This is a violation of reporting false information BY XXXX  on my credit report
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In or about XX/XX/2020 my account with Bank Of America Was closed due to a suspected activity in my husband account. Since we had a joint account all his accounts and mine were closed. Since then my husband reported that his account was compromised that the transaction that was pending in his account wasn't his. After the report I was told that the bank will closed the account and that all the money will be sent in a format of a check. The total amount was for {$16000.00} and I was told in numerous occasions that this money will be send to me and I always get the run around. We are getting close to 2 years since this incident and the bank always say the same thing that is currently during investigation. My husband provided all the pay stubs from the XXXX XXXX for them to validate the funding source. I need some assistance with this because this is quite frustrating.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I purchased a XXXX XXXX Laptop PC online from XXXX. I received it XX/XX/XXXX. It was sent the wrong Laptop, a XXXX XXXX Laptop PC. I tried to contact XXXX online to see if I could exchange Laptop and it shouldn't be a problem. To make a long story short, I had to call XXXX I thought. At # XXXX XXXX. I spoke to XXXX XXXX. He told me he had to excess my accounts to verify if it was me ( XXXX XXXX ). On XX/XX/XXXX he told me to use a XXXX account to withdraw {$460.00} and told me that was for the new Laptop. XXXX was supposed to return {$570.00} I paided for the Laptop. XXXX said he was giving me a discount {$460.00} instead of {$570.00} for an exchange. Which I never received. Then XX/XX/XXXX, another XXXX withdrawal {$990.00}. It was again supposed to be for verifying it was me. Then again XX/XX/XXXX a XXXX withdrawal for {$1000.00}. I was scammed big time.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: World Omni Financial Corp. (FL)

I've sent 2 identity theft report XXXX of XXXX and XX/XX/2023, I provided them with everything they requested and I'm still getting ignored. So here is goes. XXXX XXXX IS OBLIGATED BY FCRA TO REPORT ACCURATE ACCOUNTING THE CONSUMER HAS ADVISED ALL THE FRAUD. THE COMPANY ACCORDING TO LAW TO REMOVE SUCH ITEMS, FTC FRAUD REPORT WAS FILED ON THE BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE EVIDENCE ON THE PUBLIC AND PRIVATE SIDE WAS INDEED AUTHORIZED BY THE CONSUMER, XXXX XXXX HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON SPOKEN TO, DOCUMENTATION USED, SIGNED WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR AN XXXX  REPORT. IF XXXX XXXX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX NUMBER XXXX, XXXX XXXX XXXX XXXX, MINNESOTA, XXXX. XXXX XXXX ISSUED XXXX XXXX  XXXX. XXXX XXXX ISSUED BY XXXX XXXX  XXXX. FIXED TO FLOATING RATE PREFERRED STOCK ISSUED BY XXXX XXXX XXXX. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMER ACCOUNT. XXXX XXXX IS SECURITIZING CONSUMER DATA YET REFUSED TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT. BY : XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (RI)

This debt is INCREDIBLY old. Over 12 years at the very least. It was disputed at the time with the company itself ( XXXX  ). XXXX never gave me any communication as to what they were doing to rectify the dispute. I never heard from them again. Now, all of a sudden, I find this information on my credit report. I have never spoken to this so called collection agency. I have had ZERO contact with ANYONE in regards to this so called debt that I disputed with the original company at the original time of the bill OVER 12 years ago!! It claims the debt was opened in XX/XX/scrub>XX/XX/2023. How is that possible when I never made or had any contact with these people? I didnt even know this debt existed until it hit my credit report and I was notified by XXXX XXXX today! It also exceeds the statute of limitations for my state which is 10 years! What are my rights here? I want this removed from my credit report.
Consumer complaint received 2021-09-28
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)

Equifax is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they are reporting. I numbered some Equifax credit reports to refer to in this complaint.

1. I have sent several letters to Equifax ( six are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. XXXX have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.

3. Attach all information requested above to complaint to validate this alleged debt or remove erroneous account not validated on my credit report. Investigation information was not sent per my request and per the fair credit reporting act therefore these accounts can not be my accounts and must be deleted.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (AZ)

I'm sorry I did not document the dates I contacted Chase Bankruptcy 's Department XXXX. It was a few times since the year XX/XX/2011. I asked them why they would not report my payments ( which were all timely ) to the credit bureau 's and I was told because I went bankrupt. I don't understand for I asked my lawyer not to include them in the bankruptcy. 

In my last conversation with them I asked them ; " If after the 10 year period, which is soon, will you report my payments then? 

They said no. In other words, forget about it.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

7 months ago my lease became expired and i moved out of my apartment. Now there is a collection ( account number XXXX for {$1100.00} ) on my file indicating that I owe money when in fact management fail to refund my prorated rent. I have attached correspondence between me and upper management discussing the matter where he admitted that proper protocol was not followed by his staff when I vacate the apartment. The management team was new and in training and failed to follow proper procedure, and now IQ Data is harassing me to collect money. IQ Data have called me on several occasions and late evenings. They have been very disrespectful and intimidating. The original Balance reported was {$1100.00}, and out of nowhere a {$31.00} interest charge was added to this collection account.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to apply to another bank recently and I got denied when I check the reports it stated that an account with Bank of America was opened sometime and closed in XX/XX/2019. I did not have knowledge nor give authorization to open an account with Bank of America I always had XXXX  for the past 5 years I need help with this please its very frustrating Bank America has knowledge that its was a fraudulent opened account
Consumer complaint received 2024-03-14
Product: Credit reporting 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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2021-09-28
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. (AR)

I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and TransUnion that causing my credit scores not to increase.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

American Express refused to provide me with the following information when I made a request to it : 1. A copy of my application for the account in question. specifically I would like to see the physical address and the MAILING address that I provided to American Express when I applied for its credit card in 2017. 

2. A copy of every statement that was ever issued on my account while I had this credit card account with American Express. 

3. The history of changes to my address I had on the account with American Express to which American Express had mailed me any materials.
Consumer complaint received 2021-09-28
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. (MI)

Experian have reported that I have used 20.29 % when it is 0.0 % of my credit limit and that is not true and i have them and they refuse to correct the information and the make my rating a risk factor. It is very important that my information is reported correctly.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

A collection company is charging me and reporting an account to my credit report that is not mine is affecting my credit, without having proof that it is me, please, I need help. 


collection company is : CREDIT COLLECTION SERV ORIGINAL CREDITOR : XXXX
Consumer complaint received 2021-09-28
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. (AZ)

I have an fraudulent inquiry on my account from XXXX XXXX  and Transunion is taking no action to help remove this. I've reported this to XXXX XXXX  and have no reply. I need this inquiry removed now.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (NC)

American Credit acceptance has my car loan and they are reporting the incorrect balance information on my car loan to my credit. I have ask them twice XX/XX/21 and XX/XX/21 to send me a copy of my payment history, American Credit acceptance has not sent the information request.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (GA)

This credit reporting agency keeps reinserting this false collection account from XXXX amount {$1100.00} on my credit report this same account has already been disputed and deleted two other times and it keeps coming back, I think I may need to seek legal advice. I have already contacted them about it is still on my credit report.
Consumer complaint received 2021-09-28
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. (LA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-28
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: U.S. BANCORP (AZ)

I have an fraudulent inquiry on my account from US Bank and XXXX is taking no action to help remove this. I've reported this to US Bank and have no reply. I need this inquiry removed now.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX a fraudulent purchase was made on my Bank of America credit card in the amount of {$500.00} at a XXXX grocery store in XXXX MI. At no time were the credit cards ( 2 ) out of my possesion. This charge was also accompanied by 2 fraudulent claims on the same day that were caught by Bank of America and reported to me, where I informed them that it was not me making the purchases. On XX/XX/XXXX when I received my bill, I noticed the charge and immediately reported it to Bank of America fraud department. They removed the charge pending investigation. On XX/XX/XXXX I received a letter informing me that my fraud claim was denied and I was liable for the {$500.00} fraudulent charge. I did not make the charge, nor was I in XXXX on that day. I would not grocery shop that far from home and the presence of 2 other attempted fraudulent charges on the same day should be enough of a red flag to uphold my claim.
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (FL)

I have one company attempting to foreclose on my home ( XXXX XXXX XXXX XXXX D/B/A XXXX XXXX ), and another ( SHELLPOINT, A division of NewRez ) trying to get me to continue paying them with ongoing mortgage payments, Even though another prior servicer XXXX XXXX XXXX XXXX has already been paid off in full for this loan.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I received many letters and emails from Jefferson Capital where they said that I have a debt of {$300.00}, and this has affected my credit score and my social security number. I haven't taken action against the company, because I don't accept that this is my account or my responsibility. The last letter I received was on XXXX XXXX 2024, and the email was sent XX/XX/XXXX. 

If you require more information, feel free to contact me. Thank you.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I contacted Equifax today for the 4th time. I could not access my credit file online. This comes after I requested that changes were made to consumer file. They keep saying they can not update my file until send in identification. I have attached documentation, identifiying myself and all of my correct information. So they can stop reporting incorrect.
Consumer complaint received 2023-01-21
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: U.S. BANCORP (TX)

XXXX XXXX XXXX XXXX isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 ELAN FINANCI is reporting as an inquiry on my XXXX  report and i never applied for this company either, XX/XX/XXXX, XXXX,
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (AR)

I recently received letter from Specialized Loan Servicing. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and XXXX that causing my credit scores not to increase.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three  credit bureaus ( Experian, XXXX, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
Consumer complaint received 2022-04-16
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. (NY)

I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT MINE. I HAVE CONTACTED THE XXXX CREDIT BUREAUS AND THE ACCOUNTS ARE NOT REMOVED.