davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/13, my account was closed due to fraudulent activity. I walked into my opening branch, dealt with the same banker who opened my account by name of XXXX, and closed out account. I signed papers and withdrew funds from the account being closed. After closing account, I had a balance of {$0.00} meaning I owed nothing. I just got my consumer report and it showing the status of unpaid. That is false and I have my receipt from XX/XX/13 that shows I owe nothing and account closed.
Consumer complaint received 2022-11-19
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. (PA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX .... Balance : XXXX ; XXXXXXXX XXXXXXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XX/XX/2021
Consumer complaint received 2021-03-31
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. (MS)

On XX/XX/20, I sent Equifax a letter first class mail certified indicating I am unable to identify the original lender of a XXXX XXXX XXXX account XXXX that is listed on my credit profile. This account lists XXXX XXXX  as the Original Lender in error. However, XXXX XXXX  holds the note only, as most banks. Therefore, this account and account number does not match any of my records. This inaccurate collection account continues to show 120 days late which is violation of the Metro2 Standards. 

I have not received anything from XXXX XXXX XXXX in writing with my written signature nor orally validating the debt or anything to support that I have a debt with XXXX XXXX XXXX. Therefore, I was not privileged to dispute within the initial 30 days of initial written notification. XXXX continues to report this erroneous account without proper investigation. It is my right to know the original creditor under the FCRA which has been violated and has caused me a great deal of emotional trauma during this Pandemic period.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I've asked Experian repeatedly to please update my current address and delete old ones and they have refused. I have sent them a letter, spoken to their representatives and the problem is still not fixed. They shamelessly refuse to update my information. Both XXXX and XXXX have updated my current address and deleted all old ones.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (FL)

Hello, I have 2 companies XXXX XXXX and XXXX XXXX who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.
Consumer complaint received 2021-06-25
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: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC (CA)

On Thursday morning at XXXX, the above number called my phone. They didn't identify themselves or let me know why they were calling. A male caller said " Is this XXXX XXXX? '' I said yes. He said " The XXXX XXXX who lives at ( he proceeded to say a former address ) ''. I said " Whatever address you have, I'm not verifying anything. '' Hs then rudely said " No, that's not what I asked! I need to verify an address to give my process server. " I then said " Do whatever you have to do. " He STILL did not identify himself, his company, or what the matter was about. He then said " Good luck in court XXXX. '' then hung up. This XXXX needs to be fired. I only knew who it was by entering the number in XXXX - National Credit Adjusters.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (AZ)

I just had two collections hit my credit from Central Portfolio Control on XX/XX/XXXX. One for {$300.00} & one for {$2900.00}. I have no idea what these debts are, other than they are medical. I have not received anything in the mail. I have not received any medical service anywhere near this amount, neither have my dependents. I want this removed from my credit.
Consumer complaint received 2019-08-22
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. (GA)

I sold my house located on XXXX XXXX XXXX, XXXX, ga, XXXX  on XX/XX/2019.

1 ) my Payment history was never reported correctly by XXXX, Equifax, XXXX for my Payments to XXXX and XXXX XXXX.

With both companies, I was in a loan modification program where payments were modified / delayed ; yet I was reported late. Very late by all 3 credit reporting services.

2 ) please contact Equifax, XXXX, XXXX to correct their reporting of me - again, not late, but in a modification program.
Consumer complaint received 2019-08-26
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. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT EDXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : 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 XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (CA)

I signed up with SeedFi to repair my credit back in XX/XX/2022. Everything was great including the business concept and their promise to their customers. As part of the contract, {$750.00} will be credited to me and I need to make payments of {$100.00} every XXXX weeks. Every time I make payments, it will help me gain scores on my credit. Another benefit is, after I fulfilled the loan, I can withdraw the savings. During the course of my contract, I have made XXXX payments on time, a total of {$1900.00}. 

They usually send texts to let me know that my payment was successful. But after XX/XX/2022, I havent received a text that I made the {$100.00} payment. So I logged into my account to check. First thing I saw was the XXXX points on my credit score. Not only that, but they apparently sold my contract to a collections company called XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) without my knowledge. Now, XXXX is showing that I owe them {$3000.00}. And they dont have any savings plan like what SeedFi had. This is a criminal act, SeedFi is not an honest company! I emailed SeedFi that I want my contract to be nulled and be refunded since my contract is with them and not with XXXX. They can keep the {$750.00}, I asked for the rest to be returned to me. Instead, they acted as if they have nothing to do with me anymore, that I have to deal with XXXX. I emailed XXXX XXXX times but as if today, no response. 

This has been a very stressful situation for me and for everyone else that was under the contract. SeedFi and XXXX should be fined, they mistreated their customers to the levels I have not seen before.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

I have a Mortgage with PHH and they aren't helpful at the moment, I has medical emergency in my Family and because of hospital bills, I could not pay my mortgage in time, but before I could get back on my feet, the corona virus crisis started and I started getting behind on my mortgage payments, PHH wont give me a loan modification as I have about {$200000.00} in equity and they wont accept partial payments on the loan either, I tried working out with them but they want about {$13000.00} to get me out of foreclosure, because of corona virus crisis, I have lost my job and barely surviving, if you could help me get a repayment plan where in I can pay a down payment on the mortgage, and the balance can be split over and added to my monthly payments, I can try to get back current. 

I can come up with {$5000.00} as a down payment on the mortgage, and the balance can be split over and added to monthly payments.
Consumer complaint received 2021-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX 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
Consumer complaint received 2024-03-04
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. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification In accordance to the Fair Credit Reporting XXXX Account has violated my rights.

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-03
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. (NC)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 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 XXXX XXXX
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

This account has never been my account this was a fraudulent account. My services were with my employer which was XXXX XXXX XXXX in which I was working in Texas at the time they state that debt was acquired XX/XX/2017- I was not living where they have XXXX XXXX. Because they don't have XXXX in XXXX, TX. When contacted for resolve phone just rang and rang. The agent was very rude and unhelpful in finding where the debt came from, tried to verify the information. None of it matched in her system not even the last 4 of the social.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (AZ)

Was told that if i agreed to a payment plan with alltran education to pay of installments from XX/XX/XXXX through XXXX of 19 then paying the full amount. They have failed to send me requested verification of the debt requested in XXXX. They also told me that it would not impact my credit if i did things that way which was why i agreed to that. In XXXX it hit my credit without me having missed a payment and being very cooperative. I disputed it with them and they acknowledged what i said but refused to remove it from my credit as we had discussed originally. They said the debt was XXXX even though i was told by XXXX  XXXX University that i owed about XXXX. The debt was due to a misunderstanding on my part 2 years ago which XXXX failed to contact me in regards to and no one ever validated the debt owed leaving me to wonder if i actually did make a mistake. This company misled me and in doing so has severely hindered my ability to pay the debt as well a career opportunities.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

An extra {$1000.00} was added to my account on XX/XX/XXXX. I've spoken with XXXX XXXX and I was granted a new puppy and a {$3900.00} store credit. I also was told that the balance previous dog ( who is now deceased ) would be eradicated. The balance Keeps going from {$6000.00} to {$4000.00} and then back to {$6000.00}, messing with my credit score. I received an official letter stating that my balance should be around {$4000.00}, but then I have a bikking statement of {$6000.00}.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

On XX/XX/2021, my Mastercard account was charged for a XXXX delivery in XXXX NY that I did not accept and did not authorize. I disputed the charge through the normal process. I explained that I was not in XXXX on the referenced date and did not authorize the charge. 

Mastercard sent me a form to fill out and a copy of the receipt for the transaction in the US Mail. It was to be returned NLT XX/XX/2021. I completed the form and mailed it back on XX/XX/2021. 

On XX/XX/2021, Mastercard informed me that based on its investigation of the facts of the case, it had determined that I was responsible for the charge.

There is no way that Mastercard could have received the form I returned to them by US Mail on Monday, XX/XX/XXXX, a postal holiday, by today, Wednesday, XX/XX/XXXX. They never investigated my whereabouts on the date of the delivery ; who accepted it ; whether said person who accepted it has any connection to me. Mastercard 's " investigation '' consisted of nothing more than obtaining a receipt from XXXX for the food that was ordered from XXXX 's. 

Obviously, someone obtained my Mastercard information nefariously and used it to place an order through XXXX fraudulently. I am confident that I am not the only one victimized by this scam.
Consumer complaint received 2023-01-03
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)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-11-12
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. (TX)

I looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: 2288984 Ontario Inc. (OH)

During the application process I was sent a link to access my checking account information. I ask the customer service representative what the purpose of accessing my account was, to which she replied " it's to verify that your checking account is active. '' she put me on a brief hold and return to the phone asking if my check was partially deposited into this account and the rest deposited elsewhere. Based on this questioning, I knew that she had accessed my account, without my consent or knowledge. This happened on XX/XX/2018 at approximately XXXX XXXX
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

On or around XXXX XXXX, XX/XX/21, I signed up for Auto-Pay with my Best Buy Credit Card, by Citi Bank. The option for Auto-Pay selected was " Minimum Amount Due. '' The terms and conditions did not disclose a preset payment would be automatically withdrawn from my checking account, in the event I made a payment earlier. 

In this scenario, My due date was XX/XX/21, for the Minimum Amount Due of {$29.00}. I processed a successful payment of {$300.00} on XX/XX/21. This payment posted by account, as I checked online, where also, my minimum due online was {$0.00}. I was still drafted {$29.00} on XX/XX/21. Essentially, the auto pay does not look at the minimum due amount. The issue is that when the statement generates their system automatically schedules the minimum due on that date. 

I feel this is very abusive because there was no minimum amount due. I do want to keep the auto pay but only when I have forgotten to make a payment, in by case for a backup plan, so that my credit remains unaffected.
Consumer complaint received 2023-01-03
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. (NC)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX