davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have two XXXX XXXX  accounts XXXX and XXXX with Bank of America, no balance, unused in a long time. I moved, and I asked Bank of America numerous times to update my address, but the bank is so disorganized and incompetent that this was not done and they refused to make the change of address. Therefore, I want the accounts closed, Bank of America also then refused to close the accounts. I wrote a letter asking to close the accounts, the accounts were not closed. I contacted the service center via telephone, they refused to close the accounts. A total XXXX disaster of an institution.
Consumer complaint received 2022-03-15
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. (MI)

I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX XXXX Balance {$29000.00}
Consumer complaint received 2017-09-08
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)

Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

To Whom This May Concern : I appreciate Dovenmulhe Mortgage fixing my credit. After months of hardship that you all caused. This situation is completely unacceptable and the strain and stress you all have put me through mentally and financially is actually INSANE. From XXXX to XXXX the financial strain yall put me through is absolutely wrong. Nearly 5 months without any form of assistance that I was told would only take 30 days. I literally was spread so thin I had to run up my credit cards to try to find a way to make payments, let go of other bills, and sometimes didnt even know where my next meal was coming from because of the financial strain y'all put me through for a process that was so long ( and was supposed to take only 30 days ) that I HAD TO FOLLOW UP ON. absolutely no one followed up or through with me ( OR TOLD ME THE TRUTH ) which says a lot about yalls company. The stress y'all put me through made me PHYSCIALLY and mentally sick. The mind games y'all play is sick and the fact that I had to go to the CFPB or XXXX to make it right after begging y'all to make it right is unacceptable. Then come XXXX I was looking at other options to use my credit ( CAR and was thinking about moving to an apartment ) and y'all shot my credit SO bad I literally could not use my credit for necessities and things I needed to take a loan out for and y'all severely impeded on that. Making it right on my credit is merely not enough because it should have never been a problem to begin with. Y'all put me through so much from even the start of my application and to the credit issues, and i feel I need to be compensated fairly for the stress and mental/financial suffering that y'all put me through for the months of XXXX through XXXX as again I was following up and begging you guys to make it right and you just didn't ... additionally i am not the only one who has been in this exact situation and you all completely dismissed them until it was escalated here or to the XXXX I am asking y'all to do the right thing and compensate me for the hardship you all put me through OVER the unemployment hardship I was experiencing and the strain on my credit that literally impacted descisions of other creditors. Again some form of compensation will be greatly appreciated.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-26
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. (NJ)

On XX/XX/21 a dispute was opened which I ask Equifax to validate the bankruptcy that was on my credit report. They were ask to name the person at the Bankruptcy Court who Varified the information. They were unable to do so within 30 days. In stead they ask me to file another dispute again. They also stated that their system doesnt do that.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

What information is requested? I RECENTLY SETTLED AN ACCOUNT THAT WAS REPORTING ON MY CREDIT. THE PERSON OVER THE PHONE STATED THAT THE ACCOUNT WOULD BE DELETED AS PART OF MY SETTLEMENT. THE BALANCE HAS BEEN UPDATED BUT THE ACCOUNT STILL REMAINS ON MY CREDIT. PLEASE DELETE AS THIS WAS THE AGREEMENT TOLD TO ME BY THEIR PHONE AGENT
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (PA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES INNOVIS, HAS VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have attached my Identity Theft Report again for a 2nd time. The addresses associated with these accounts are also not valid addresses. They have continued to report this information and have also been verifying this fraudulent information with XXXX, who have then been sharing this information with XXXX, XXXX and XXXX. There is a long chain of passing around fraudulent information attached to my name. I asked how Innovius has been verifying this fruadelnt information and to send me the original contract and they have not gotten back to me in over 60 days. I am demanding that they remove the information from my consumer report. I have attached my Identification as well as my address verification so there is no stall letters stating they can not identify me.
Consumer complaint received 2017-09-08
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. (PA)

Equifax mishandled customer information, putting millions of customers at risk for identity protection. I am listed as a victim according to the www.equifaxsecurity2017.com website, and I would like a resolution.
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (GA)

My bank, Navy Federal Credit Union, has charged me for " XXXX NSF/Return Check Fees, '' totaling {$110.00}. I called and disputed these fees, as they were debit card transactions, and not bank, or check drafts. Also, I was denied the right to opt-in, by the bank, several years ago, and have not opted-in, for overdraft protection. 

My bank has also, manipulated my posting transaction ( Debits ), so as to cause these overdrafts. With the first overdraft, I initially had sufficient funds to cover the first debit, which cause the initial overdraft.
Consumer complaint received 2023-04-03
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: LCI Acquisition Inc. (TN)

Since last year of 2022 I have been going back and forth with the data/credit reporting agency LCI about their CONSTANT violations of my rights by reporting inaccurate information concerning a bankruptcy to the XXXX credit bureau . The last response letter I received from LCI in it, they claim to have verified this bankruptcy with the bankruptcy court and they also state " LCI is a furnisher for FCRA purposes and provides publicly available bankruptcy records to XXXX for XXXX 's inclusion in XXXX 's consumer reports. LCI is unable to remove or change any of this information from your XXXX report. If you believe there is an error with the bankruptcy notice itself, you may need to contact the United States Bankruptcy Court to address any inaccuracies ''. 

Upon receiving there response, I did just that and conducted my own research and investigation and found them to be in violation of some FCRA laws. I also contacted the bankruptcy court myself via letter on XX/XX/2022. In their response letter back to me they state, " As the Bankruptcy Court is not a credit reporting agency nor an information provider of the FCRA, the Court is not required to conduct investigations or respond to disputes ''. 

So if thats the case, how did LCI verify my bankruptcy as 100 % Accurate? ... They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

LCI have violated my rights numerous times.

LCI violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (DE)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (LA)

There is information on my consumer report that is a result of Fraud and Identity Theft [ as defined under 15 USC 1681a ( q ) ( 3 ) and 18 U.S.Code 1028 ]. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the consumer reporting agency, INNOVIS failed to provide the supporting documentation and verification under 15 U.S.C. 1681i - FCRA 611 ( a ) ( 7 ) documentation regarding procedures, proof, and identity of the person ( s ) reporting this account. The following account is fraudulent and being reported unlawfully.
Consumer complaint received 2022-05-05
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. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2017-09-08
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. (WI)

Equifax lost my personal information and millions of other people 's information. This has potential to be life altering due to their negligence, I never asked for them to take my information, however they did and failed to house it safely. They also only offer a third party hosted website to check on if your information is compromised, and will enter you to waive your right to arbitration if you do check. This is absolutely disgusting, as a consumer I fear for my livelihood.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax 's inadequate security caused a data breach that exposed sensitive information of millions of Americans. I appear to be among them. In my state, they charge {$10.00} to freeze my credit. The alternative is to sign up for their credit monitoring service which requires waiving my rights to participate in any class action that occurs in response. I feel it is unreasonable that I am forced to pay for a service that is only necessary because of their own mistakes.
Consumer complaint received 2022-05-05
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. (CA)

My credit report is showing an account that is not belong to me. XXXX XXXX, original creditor : XXXX. Date opened : XX/XX/2020. Amount {$3600.00}. This account is under the name of XXXX XXXX, and I believe was originated in XXXX, Texas. I never had XXXX as a phone service, that is not my name and never lived in Texas. Please I will appreciate your help with this problem. Thank you very much.
Consumer complaint received 2022-04-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THIS FRAUDULENT ACCOUNT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.
Consumer complaint received 2022-03-15
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX I received a direct deposit into my Venmo account from my job. I tried to transfer the money into my bank account as I always do and they suspend my account. Ive called them and they told me it was nothing the could do and it would take XXXX business days for e to get my account unfrozen. I need my money now. I have important bills that are now late because of this situation
Consumer complaint received 2022-03-15
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Corporation of America (FL)

In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (FL)

I HAVE BEEN A VICTIM OF FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY THREE CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY SOCIAL IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY EXPERIAN REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON XXXX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON XXXX THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO ME
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rodenburg LLP (WY)

I had a judgement against me, but I was never served. I was never given the opportunity to plead my case. I offered to make payments and my offer was declined. They're now threatening to make me pay {$130.00} a month or garnish my wages. I am self- employed and I'm homeless. They can not garnish my wages, but I'm afraid since they've already broken the law by allowing a judgment against me even though I was never served Im afraid they'll just garnish my wages anyway. What do I do? I don't have any of the paperwork because I was never served. I don't know who to contact?