davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XX/XX/XXXX I was contacted via telephone from XXXX XXXX XXXX threatening legal action for a debt I supposedly owed for XXXX XXXX  in the amount of {$7900.00}. I asked for proof of ownership of this debt. I was sent an email from XXXX XXXX XXXX showing a debt from XXXX XXXX  with my name and last four of my SSN. Reference number XXXX, Client ID XXXX. I advised them I have never had a XXXX XXXX  account and would like proof of authorization from me to open this account. No proof was sent. I recieve two to three phone calls per day demanding payment. After going online and researching XXXX XXXX, it was purchased by Bank of America in XXXX. I have never had a Bank of America account either. I researched XXXX XXXX XXXX and saw many complaints from consumers stating these same tactics and fraudulent claims of debt from them.
Consumer complaint received 2022-06-19
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. (OK)

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 Bank and XXXX with no account #, 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681 s-2 ( a ) ( 1 ) Section states : 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 2022-03-05
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: MoneyLion Inc. (AZ)

I have a moneylion  account for a loan i previously had with them and I have disputed this information multiple times with no solution and or explanation of them finding the information accurate. I filed Chapter XXXX bankruptcy in 2019 with the State of AZ and received my discharge on XX/XX/2019. I have submitted disputes with the company directly along with tXXXX since that is the only bureau who is showing this incorrect information. I have attached my discharge court paperwork.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (CO)

INFORMATION PROVIDED TO XXXX ( HIRING COMPANY ) FROM HIRE RIGHT ( CRA ) INCLUDED A CRIMINAL BACKGROUND REPORT WHICH ANTEDATED THE REPORT MORE THAN SEVEN YEARS. 
ADVERSE ACTION OF THE OFFER OF EMPLOYMENT WAS TAKEN BASED ON THE INFORMATION PROVIDED TO XXXX. 
CRA DID NOT DATE THE BACKGROUND SEARCH AT SEVEN YEARS. NO NEW REPORT WAS PROVIDED XXXX, DID NOT PROVIDE A PRE-ADVERSE ACTION NOTICE. 
XXXX DID NOT AFFORD THE OPPORTUNITY TO CORRECT THE DISCRIMPANT INFORMATION IN THE REPORT.
Consumer complaint received 2021-06-03
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. (FL)

The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts : XXXX  XXXX XXXX, XXXX XXXX ( 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXX XXXX. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I purchased merchandise from an online vendor on XX/XX/2020. Shortly thereafter I reached back out to the vendor for tracking information for the merchandise. The vendor at this point stopped responding to me and ultimately blocked me from contacting them any further. The vendor turned out to be a fraudulent company. I filed a claim with my bank, Bank of America, to recover the funds. After a week or so I was notified that they would not investigate the claim any further or reimburse me. This is shocking and burdensome, as I discussed with a customer service representation yesterday. Especially since I have in the past had a claim resolved and paid by Bank of America and the transaction was made exactly the same as this one. How is a financial institution not adhering to a consistent policy - he had no explanation as to why one claim was paid the other was not. This is not an acceptable answer.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? XXXX or Equifax and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc. (IL)

Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from Pro-Com Services of Illinois. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted Pro-Com of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.
Consumer complaint received 2022-06-19
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. (AL)

Sent in a police report a dispute letter with a clear ID and received a response of contact the companies that the inquiries are from but I have already did that and they have no records of me in there system so I called equifax and they told me they didnt investigate which I had already knew that because the companies have no records of me
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Hard inquiry dated XX/XX/XXXX by XXXX XXXX still appears on my Experian credit report more than two years later on XX/XX/XXXX. See attached relevant pages of my credit report dated XX/XX/XXXX.
Consumer complaint received 2022-03-05
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. (NV)

In accordance with the fair credit reporting act 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.
Consumer complaint received 2021-06-03
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: AES/PHEAA (NY)

1 Identity Theft US DEPT ED Account Number : XXXX**** This is not mine.

2. Identity Theft FEDLOAN Account Number : XXXX**** This is not mine.
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

ISSUE : Seeking assistance in our complaint with Wells Fargo Home Mortgage in not releasing a Deed of Trust in a timely manner ( 15 plus Days ). Holding up Real-Estate closing with potential losing contract causing undo hardship to myself and our contracted buyer in not providing documents within the contracted widow. 

BACKGROUND : I am currently in the process of closing in the Real-estate sale of my property address of XXXX XXXX XXXX, XXXX, VA XXXX inherited from my brother. His initial mortgage from XX/XX/XXXX in the amount of {$64000.00} was with XXXX XXXX XXXX XXXX, which was acquired by Wells Fargo in XX/XX/XXXX. The loan was refinanced under XXXX XXXX XXXX XXXX in or around XX/XX/XXXX, which it appears a Deed of Trust was not filed with Deed, in acquisition Wells Fargo assumed responsibility for any errors conducted by XXXX in non-compliance with VA XXXX, Paragraph 9. In communication with our Closing Real-Estate Attorneys office Wells Fargo stated they have to research the unreleased deed of trust with a turnaround time for a response of 15 days and then they have to prepare the actual release. The initial closing date was XX/XX/XXXX, per the contract now closing must be completed by XX/XX/XXXX ( 10 days from base closing date of XX/XX/XXXX ). We feel this is an inordinate amount of time to process this action being all document/account history is in-house to Wells Fargo.
Consumer complaint received 2022-06-19
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. (CA)

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES FROM CHILD SUPPORT LISTED BELOW ARE THE INACCURACIES, DELETE IMMEDIAATELY FROM MY CONSUMER REPORT. 


XX/XX/XXXX BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REORTED ( XX/XX/XXXX ) ( XXXX ). 

COUNTY OF XXXX XXXX BALANCE XXXX $ XXXX OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX ( INACCURATE ) BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) ( XXXX ).
Consumer complaint received 2022-06-19
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. (CA)

I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES FROM CHILD SUPPORT LISTED BELOW ARE THE INACCURACIES, DELETE IMMEDIAATELY FROM MY CONSUMER REPORT. 


XXXX XXXX XXXX  BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REORTED ( XX/XX/XXXX ) ( XXXX ). 

COUNTY OF XXXX XXXX BALANCE XXXX $ XXXX OPEN, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX ( INACCURATE ) BALANCE XXXX $ STATUS OPEN, ACCT # XXXX, ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) ( EQUIFAX ).
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XXXX 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 2022-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with with the Fair Credit Reporting Act XXXX networks Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (TX)

In accordance with with the Fair Credit Reporting Act XXXX networks Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (OH)

On XX/XX/XXXX I received a letter from a debt collection agency Unifin Inc . 
This letter states that they are attempting to collect a debt from the year XXXX on behalf of an original creditor known as XXXX XXXX XXXX XXXX. However, due inaccurate information because I was a victim of identity fraud the debt from the original creditor was removed from my credit report in XXXX ; in which I have documentation to show proof. I would like for the debt collection agency to cease and desist for which this debt is not valid and has already been removed.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have tried several times to get the credit Reporting Agency to conduct a though and concise investigation on a Credit Card  account with XXXX XXXX XXXX that had unauthorized charges. I have also asked the Credit Reporting Agency to contact the Creditor for validation of the charges and the debt itself.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (CA)

CFPB, I am attaching a letter of explanation that I sent to BBVA Compass Bank  concerning my credit card. You will be able to see that all payments to them have been made on time, they are not giving me credit for my payments for as long as 9 days and then charging me late fees. One of the late fees caused me to go over my {$2000.00} limit by {$4.00}. I pay my bills through XXXX XXXX XXXX, all of my creditors are paid with in 24 hours or the next business day. In the case of a mailed check to Compass from XXXX XXXX to 9 days to give me credit for my payment is predatory.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I have an account with Credit acceptance for an auto loan that Im behind on payments. Credit acceptance is reporting this account twice to XXXX XXXX it appears I owe twice as much as I actually do. I have disputed this matter with XXXX several times and the results have always come back as accurate. I have contacted Credit acceptance to dispute this matter but there agent was more concerned about me making a payment. The XXXX agent I spoke with confirmed that this account is reporting the exact same information on both accounts
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-05
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. (TX)

In accordance with with the Fair Credit Reporting Act XXXX networks Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery acquired a debt owed to XXXX ( XX/XX/XXXX ) ( Portfolio Recovery Associates ( PRA ) ) - XXXX. A settlement for this account Was reached thru XXXX XXXX in XX/XX/XXXX and the last payment made XX/XX/XXXX. PRA continues to show this as a active collection with no payment plan. XXXX has attempted to obtain a XXXX balance and PRA has failed to respond. I want a receive a XXXX balance letter. This is the second account they have failed to provide documentation for & I can only get them to respond they a formal complaint.
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308
Consumer complaint received 2022-03-05
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. (NV)

In accordance with the fair credit reporting act convergent account # XXXX, ( XXXX XXXX bank ) has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (OH)

Tracking pixel  All emails from this company contain tracking pixels. Also known as web beacons, theses secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is ineffective as per all privacy laws. 
After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and optout options. After complaints via public boards, only things I heard are PR statements such as reference to privacy statements and ultimatum about unwillingness to remove secretive trackers.