davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a Victim Of identity Theft, someone is using my Personal Information without my Authorization they got in to my Banks accounts and open credit cards using my Name I filed a report to protect me from this situation so this matter will be Resolved
Consumer complaint received 2022-02-19
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. (FL)

XXXX : Experian Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2020-07-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

i have submitted several dispute letters asking how the accounts that are reporting negative on my credit report were verified. no response was ever given to me and the accounts continue to report incorrectly. both XXXX and experian are reporting these accounts incorrectly since they have not been verified and no proof has been given to me.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-07-29
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. (VA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (WA)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I closed out my XXXX after stopping work with a home improvement retailer. On Monday XX/XX/21 the company sent the money via EFT to my bank. As of this morning, XX/XX/21, it has still not been posted to my account. This is causing me untold problems. My landlord wants the rent, the electric bill is overdue, my home internet has been shut off, my car insurance has been cancelled, etc...
Consumer complaint received 2020-07-25
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. (TN)

The account is closed and I have tried to pay it off, but XXXX 's will not let you talk to anyone and keeps reporting the account. Then they said it's with a third party collection company that is unidentifiable and they will not give any contact info. The credit bureaus keeps letting them verify info and the said info is not correct. They are ruining my credit report.
Consumer complaint received 2021-04-13
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 dats later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

I purchased an XXXX Computer, an XXXX, and was induced to purchase the product on an 18 month deferred interest payment plan on the Barclay Card. So I opened the XXXX/Barclay Card account, when through numerous steps both online, at the XXXX XXXX, and over the phone with Barclay to make sure I was eligible for and had received the 18 months deferred interest payment plan. I was told several times that the deferred interest would show up on the next Barclay Card statement. It never did and they have been charging me interest on my payments for 13 months.
Consumer complaint received 2018-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

{$140.00} was stolen from account and the company responsible ( XXXX a know fraudent enterpise ) has attempted to refund this but the bank ( capital one 360 ) is not allowing the refund to post to my account. 

They have also offered to send a check which the bank is preventing. I was told by the bank to seek resolution from the company which I have done so I am confused as to why they don't accept the refund back to my account. 

I have been mailed papers from the bank that don't relate to my issue since these charges were fraud and continue to be shocked by the bank 's behavior on the phone and unwillingness to rectify this after telling me to seek resolution from the offending company which I have done. I continue to be owed this refund and the bank seems complicit in this fraud. I have been a bank customer since 2003 and have never had a problem before this.
Consumer complaint received 2020-07-29
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. (PA)

I checked my report and found this information on my report. please delete the credit bureau are horrible to me this is not mines XXXX  Date : XX/XX/XXXX, Account # : XXXX, Amount : XX/XX/XXXX, Payment : Current, Issue : Identity Theft XXXX XXXX  XXXX Date : XX/XX/XXXX, Account # : {$200.00}, Amount : --, Payment : XXXX XXXX Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX ( XXXX XXXX, Amount : --, Payment : --, Issue : XX/XX/XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX XXXX Amount : --, Date : XX/XX/XXXX, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : Collection/Chargeoff, Amount : {$0.00}
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Im currently receiving unemployment benefits In Nevada and they use Bank of America for the debit cards they assign us. I looked at my account today XX/XX/XXXX and noticed 4 fraudulent charges to my account, three in the amount of {$99.00} and one for {$1.00} all charges to XXXX. My account is now over drafted by {$160.00}. I called and filed a dispute for the fraudulent charges and they told me it could take up to 90 days and they cant stop charges or send me a new card because my account is negative. Now Im worried when my new benefits post in the next day or so new fraudulent charges could go through and also {$160.00} will instantly be deducted from my unemployment benefits unfairly to me. Bank of America said they were aware of fraudulent charges happening to peoples accounts from uphold.com why werent we as consumers warned of this possibly happening. Im extremely frustrated because I will now be out several hundred dollars till whenever Bank of America decides to finish my fraudulent claim.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TICE ASSOCIATES INC (NY)

Tice Associates ( collection agency ) reported a delinquency of {$55.00} to multiple credit bureaus reporting a " date of XXXX delinquency '' as XX/XX/XXXX for a medical debt. Unaware of this debt I contacted XXXX who has no record any claim ( s ) with a patient responsibility of {$55.00}. 
I disputed this debt with XXXX, the following day they " verified as accurate ''. 
I contacted XXXX XXXX to inquire what this was. Tice Associates stated this was for 2 separate claims from the same provider. One for {$35.00} originating on XX/XX/XXXX and a second for {$19.00} originating on XX/XX/XXXX. 
Tice Associates stated they attempted to contact us twice once in XXXX XXXX and a second time in XXXX XXXX. We never received anything from them or the original provider who they state is University XXXX XXXX XXXX for either. 
Tice Associates states they base the " Date of XXXX Delinquency '' on the most recent delinquency and not the date of XXXX delinquency. 

1, No notification from original creditor. 
2, No notification from debt collector. 
3, Received no verification of Debt. 
4, Medicare has no record of claims from this provider, or patient responsibility for these amount 's. 
5, Date of 1st delinquency is outside the XXXX 3 year statute of limitations. 
6, Debt collector spoke to a relative about this debt in detail without receiving formal authorization.
Consumer complaint received 2020-07-29
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. (NY)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

CAPIO PARTNERS LLC has reported to all three major credit bureaus ( XXXX, XXXX, XXXX ) on XX/XX/2018 prior to allowing me to validate this debt of {$880.00} which is a violation of the Fair Credit Reporting Act. Reporting of this debt to the credit bureaus prior to validation allows me to seek damages from the collection agency, which I intend to do.This company is practicting UNJUST ENRICHMENT, because reporting any invalidated information to major credit bureaus may constitute defamation of character. I have filed a complaint with XXXX, Georgia Department Of Attorney General, etc.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (OH)

I have a collection on my account from XXXX XXXX total amount was {$3000.00}. I logged into my case online on XXXX and was offered to settle for one discounted payment of {$2000.00} to which I accepted and made the payment. I have attached screenshots of both the offer, me submitting the payment and the payment clearing my account. XXXX updated my credit report to show that now a current balance of {$1000.00} remains and is in collections, rather than showing a {$0.00} balance & closed/settled for less than full balance or just altogether deleted from my credit report. 

I filed a dispute through experian.com on XXXX in which I provided the same screenshots provided with this complaint showing the settlement offer and my payment being made and cleared. However, today, XXXX, I just received notice that my dispute results were ready and that the information reported is accurate. However, it is NOT accurate and I provided evidence to that fact and now and am unable to dispute the debt again online.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (PA)

I have an autoloan that is open and in good standing now reporting closed. At first it was just 1 credit bureau, now its reporting this way to all credit bureaus. I called the credit bureaus and submitted disputes, but it is my loan company reporting incorrectly. I've called 3 times over a month and the bank tells me my account is open, in good standing, and not even late. There was also a comment about on my account about returning to active military, but I'm not even in the military! Noone at the bank can give me a reason as to how or why this is reporting this way, therefore they haven't fixed it. Im looking into getting a mortgage and this is a huge setback!
Consumer complaint received 2020-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX   District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX  District Court of Missouri can be found by following this link : XXXX XXXX XXXX. When I filed a civil complaint with the XXXX  District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of Bank of America. I created a checking account with Bank of America in the summer of XXXX. I was also a customer of XXXX XXXX. I created an account with XXXX XXXX in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).
Consumer complaint received 2023-01-04
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. (MO)

I keep disputing address XXXX XXXX La XXXX XXXX XXXX XXXX, MO XXXX from my consumer report but it'll reappear the next business day. What the XXXX is wrong is Equifax XXXX XXXX system or company to where I have to keep re-disputing the same inaccurate information off my consumer report. I so, close to suing they XXXX for violating the FCRA because no inaccurate information is supposed to reappear on the consumer report. Including they're reporting inaccurate in the first place. Attached is the confirmation for number of disputes for the same item & its more.
Consumer complaint received 2021-02-12
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. (TX)

Attached is a SAMPLE letter I receive stating the Credit Reporting Agency has " previously processed this dispute and and the credit grantor has verified its accuracy. '' HOWEVER, under FCRA requirements, the credit bureaus are required to verify the consumers accuracy of credit records they maintain. Not just process. The attached letter continues by stating " we will not re investigate the same dispute ''. How can a Credit Reporting Agency verify my records for accuracy when your client, XXXX XXXX XXXX XXXX, ignores all requests, supplies nothing, and labels all requests and complaints as duplicates? Moreover, XXXX XXXX and the Credit Reporting Agencies rely upon an incomplete and undated application ( that even states at the top is not to be processed ) as FCRA Permissible Permission to steal my private information? AND then a forged and fraudulent loan is allowed for thieves to steal two cars in my name. A high school child can understand this but three so called professional companies can not.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I XXXX XXXX believes that Bank of America has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the XXXX XXXX post attached, Bank of America has cut off 8-years of payment history. I have attached a copy of the 1099C issued by Bank of America that was applied to my XXXX income taxes as a financial gain from cancellation of debt. Bank of America has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. Bank of America is violating its subscriber agreement with XXXX, XXXX and XXXX XXXX respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
XXXX XXXX
Consumer complaint received 2018-05-05
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: BBVA FINANCIAL CORPORATION (AL)

I wanted to dispute the transaction on XX/XX/XXXX with XXXX XXXX {$55.00}. When I called Compass Bank, the first lady ( XXXX ) I talked to barely spoke English and she did not understand my request and explanation. She pretended that she understood, but switched to the second lady, XXXX. She was same and had a communication problem.