davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for Bank of America .

I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with Bank of America perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im XXXX, on XXXX, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know XXXX XXXX XXXX have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any Bank of America on my reports so thats false information and scamming beside the fact these companies continue to XXXX me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts XXXX XXXX wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY Bank of America account in years years beside which Im XXXX contingent, XXXX, XXXX and their ruining my credit further Im trying to fix where not to Bank of America or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This account is way older than this Portfolio Recovery says it is the last payment made was long before they state and they keep moving date up to make it look as though the account is still open and its not it was charged off there and XXXX XXXX XXXX  accounts that the date of last payment recieved by them is longer than 7 years ago so this should be long gone from my credit report Im already getting new credit from XXXX XXXX  thats how old it is
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Quality Asset Recovery LLC (WV)

An account from 9-10 years ago was recently placed on my credit by Quality Asset Recovery of New Jersey. The amount is XXXX, original creditor XXXX XXXX XXXX XXXX XXXX for  tuition assistance in XXXX or XXXX while I was active duty military for the XXXX. Apparently While cleaning up accounting records the XXXX and XXXX decided to send old debt to collections. QAR is the collection agency. QAR either doesnt know or doesnt care that debt is 9-10 years old and placed it on my credit in XX/XX/XXXX. I decided to call and explain it was too old to be placed on my credit original date of delinquency at least 9-10 years old. When I called, I verified phone, name, address, ssn so they could locate my file. Once they figured it out they said the person to handle my case wasnt available and they would call me back. I said I Do Not want them to call me ever, I do not give them permission to call me. I will call them back and the operator became immediately rude. They called back shortly and I did not answer. They attempted to call the next day a couple times and I ignored them. Apparently they found an alternative # which was my wifes, she actually spoke to them until they became belligerent and she told them she will not let them talk to her that way and hung up. When I arrived later she told me what had happened so I called to explain what dont call means. When I called and talked to them about it the operator said something snide and hung up. I tried again, same thing happened. I tried again and XXXX XXXX answered and tried to overtalk me, I shouted him down and told him to never call again and blocked their #. XXXX XXXX is the one who talked to my wife in a demeaning manner. She was taking his number, asked for it a second time and he said let me slow it down for you, threeeee ( pause ), fivvvvvv ( pause ). At this time, my wife told him she was not stupid and he didnt have to act that way. Anyhow, this company was rude and aggressive, told not to call and did multiple times, reported an account as delinquent as of XX/XX/XXXX when it was more like 10 years ago. They also have it listed as medical debt when it has nothing to do with medical. I compel you to have them bring proof of original debt and once it is determined to be past the 7 years they need to have it removed. This company is an example of why the Fair Credit Protection Act was created.
Consumer complaint received 2018-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have spent many hours online following the directions to dispute inaccurate information on my Equifax credit report and on multiple occasions now when you get to the end and hit submit it tells you they're having problems identifying me and try ago later, or says you timed out, try again later, etc. There's always an excuse for them not to accept any disputes to their credit report, when in fact there are several. I never had any issue disputing discrepancies with XXXX, but Equifax makes it an impossibility
Consumer complaint received 2021-09-24
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days 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 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX -> This was my previous complaint. 

Short story it has been over a month trying to resolve my credit history. Please refer to previous complaint above. My information was lost/mixed up with another person. They asked me if there another person with my last name with the same social security number. I called Friday XX/XX/2019 to get my issue resolved and was given 5 business days. I called XX/XX/XXXX and they extended it for another 5 business days. After my previous complaint, everything on my account was duplicated. So for a few days I at least had a credit score, though everything was wrong. Student debt, loans, etc. I called a lady to get it fixed ( it was pretty straight forward ) because the loan numbers and account # s were the exact same. What then happened was that everything got deleted again and went from a XXXX to a XXXX again. Then to make it worse, I was asked to call my bank to make sure they are reporting correctly and inserted it on my account ... again pointing me back to blame the bank. If you read the previous complaint, they were able to find my information without using my social security number, but again, we have to wait longer to see what turns up. This problem hasn't been fixed one bit and am worried about privacy at this point too.
Consumer complaint received 2022-10-07
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I'd like to inform you that I contacted the banks and they all agreed to remove the accounts from my file. But Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. I need these items removed from my file based on FCRA Laws alone : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-07
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( XXXX U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX CO XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

someone sent me money on cash app and now the money is missing and cash app won't give it back to me it was {$1000.00} I really need my money back it's been months now trying to get my money back.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

This is a complaint against TransUnion for their credit report calculations. I have a XXXX credit score of XXXX to XXXX depending on the bank used. I have an XXXX credit score of XXXX. I had an TransUnion score of XXXX and then made one charge which still didn't put my credit usage at more than one percent ( with perfect payment record ), but did use 30 % of my XXXX XXXX XXXX ( 36 months, zero percent interest ) and TransUnion dropped my score XXXX points. There is no logic to their system. I've monitored and grown my credit for years, and there is no calculation of risk for that minimal a charge that would drop my score than much. Any service, therefore, that would use their report would see me as a liability which is absolutely false.
Consumer complaint received 2022-01-17
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 (NJ)

I Disputed a Scam charge with Bank of America credit card, they send me a letter stating to send more information, the letter was dated XX/XX/XXXX to reply until XX/XX/XXXX in which the letter was delivered to my address, two days after the reply date. I called Bank of America right away and explained all the situation and they put the balance back in my account the agent told me that it was normal and I do not need to pay until the case was concluded, I asked for an extension, more extra time and all the agents that I spoke told me that I have 10 more days in which I sent all the information requested on XX/XX/XXXX USPS tracking number XXXX Delivered, Individual Picked Up at Postal Facility XX/XX/XXXX at XXXX am, XXXX XXXX, TX XXXX. I called many times and asked about the case because the amount of 1050.00 still due in my account. I received a Letter dated on XX/XX/XXXX in which was received XX/XX/XXXX, stating that it was outside the timeframe, all customer service agents were transfer to each others, stating that I have to call a different departments, providing wrong information and inexistent phone numbers. I asked the last agent to speak with the supervisor with no avail.
Consumer complaint received 2015-10-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (MD)

I am writing this complaint on behalf of my old Mortgage Foreclosure loan # XXXX with PNC Bank. I was scheduled for a foreclosure back in XXXX. However now I am being penalize for a new purchase with FHA. THere is a XXXX alert still on my account until XXXX XXXX. I understand the 3 year waiting period however, I foreclosed on my Property in XXXX however, there was a Security Deed error. The Security Deed was never signed by the Notary so I was Summons to have the Deed Reformed in XXXX. Due to error of title company it took another year to have the Superior Court of XXXX XXXX GA reform the document. The notary has died and was unable to reform the document. Now I am unable to close on my new property and in the process of losing my earnest money, contract and other monies. I am requesting a urgent request to have FHA remove my XXXX alert. My XXXX case # is XXXX. I will add the summons that was filed against me and other documentation for the release of this negligence of the mortgage company. I had a attorney involved where we requested a removed of the deliquency but no results. ThanksXXXX XXXXXXXXXXXX
Consumer complaint received 2022-12-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 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 2021-09-24
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 am a victim of identity theft. Please sse identity theft report attached. I have consistently, since the beginning of the year, disputed fraudeulent accounts of various amounts and duplicates upon duplicates, that are the results of identity theft on f the selling and reselling the fraudulent accounts on my credit profiles on all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles, anyway.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : XXXX XXXX, XXXX XXXX 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 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 XXXX 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 2018-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.
Consumer complaint received 2017-08-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Enterprise Systems, Inc. (OH)

I received a credit monitoring alert on XXXX XXXX, XXXX which indicated that there was a new debt collection on my credit report. I retrieved the contact information of the company and contacted them immediately. When I told them I had n't received anything in the mail the representative told me that information was sent to address that she indicated she knew was an old address from XXXX. When I asked about receiving a call about the debt the representative claimed that they had my current phone number and they attempted to call me but there was no answer. She claimed this call was attempted on XXXX XXXX, XXXX which was 13 days after the company supposedly inherited the debt according to their records. I checked with my cell phone carrier after going through the call log on my phone and there was no call from this company, or any foreign number in my call records for that day. The representative asked me to update my address, however, I declined because I know they have it if they have my current phone number which is a number I have had for the last two years. When I asked the representative why they did not update my address the same way they updated my phone number, she told me that the company does not change the address that the original creditor provides. Which to me makes no sense.
Consumer complaint received 2022-01-17
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.