davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX/XXXX/XXXX  Account Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act US DEPARTMENT OF EDU Account Number : 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 an account without my written instructions
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants Adjustment Service, Inc. (GA)

Collection Agency - XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX Hospital Date : XX/XX/2013 Amount : {$720.00} In XX/XX/2013 this medical bill was included in bankruptcy I have sent paperwork to the Original creditor with no response over the years. 

" The Credit Bureau failed to provide me with a proper investigation. Under section 611 ( 5 ) ( A ) of the FCRA - you are required to '' Promptly Delete all information which can not be verified.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (CA)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the delivery of my account statements. I have always appreciated the level of service provided. However, recently I have encountered a problem regarding the delivery of my account statements. Despite maintaining a small balance in my account, I have not been receiving my monthly statements. BARCLAYS BANK/OLD NAVY XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

According to the IRS charged off debt is gross or ordinary income. Income is not get reported on my consumer report. Based on that information the XXXX Bank of America accounts listed are listed inaccurately. I have reached out to Bank of America all XXXX credit bureaus who have not corrected the issue on my consumer report. This is causing me great hardship
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (FL)

My checking account in good standing for 38 years was closed by my bank on XX/XX/23 and I was told they are not required to state their reasons for their action. 
I have been waiting for the bank checks totaling {$29000.00} to be delivered to me and I am suffering financial hardship as a result. 
I have never received a letter warning me of their intention to close out my accounts. Although I was promised a copy of the original letter.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

1. Th e lender  XXXX   XXXX   XXXX   XXXX  receives notice from  XXXX  Police Department that my vehicle is being held in the impou nd. (   XXXX   XXXX  )  2.  The lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if  ... ( e ) th e vehicle is seized by any local, state, or federal government or authorit y. '' (   XXXX   XXXX   ) 3. R epossession agen cy (   XXXX   XXXX , state license  XXXX   ) sen t letter to me notifying me of " my right to retrieve my personal effects or other property . '' (   XXXX   XXXX   ) 4.   Lender sent me " Notice Afte r Repossession. '' (   XXXX   XXXX   ) 5. L ender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession . '' (   XXXX   XXXX   ) Pulled cre dit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6. Di sputed the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us.   XXXX   XXXX   XXXX ,  XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( P rocedure in case of disputed accuracy ), and hung up while I was talking.  (   XXXX   XXXX ,  XXXX  )
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RECENTLY, I LOOKED AT MY CONSUMER REPORT, AND IT BROUGHT ON A TREMENDOUS SADNESS. I HAVE BEEN FEELING DOWN AND XXXX  LATELY.THIS IS HARMFUL TO MY HEALTH AND A DEFIMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AZ)

Companies falsely reporting inquiries to my credit are as follows : 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 I did not authorize these credit pulls and request they be investigated and removed.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Experian. I expect that would be enough said. There are 3 items on my credit report that I disputed to no avail and their score for me is so way out of line with the other 2 agencies, I can't imagine how they are still in existence. What do we do about them? There has got to be some regulation on these clowns or what good is this so called FICO score?
Consumer complaint received 2019-03-09
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)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : Account # : Date Open : Balance : Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Balance : {$1500.00} Company : XXXX Account # XXXX Date XXXX Balance : {$3700.00} Company : XXXX XXXX Account # XXXX Date XXXX Balance : {$16000.00} Company : XXXX XXXX XXXX Account # XXXX Date XXXX Balance : {$960.00} Company : XXXX XXXX Account XXXX XXXX Date XXXX Balance : {$4100.00} Company : XXXX XXXX XXXX Account # : XXXX Date XXXX Balance : {$5200.00}
Consumer complaint received 2021-04-18
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. (TX)

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: U.S. BANCORP (MA)

On XX/XX/2021 i spoke with us bank focus card inquiring about a large withdrawal to purchase a new car. I went to a visa member bank as instructed by card holder services. 1st attempt was declined for a cash advance of XXXX . I attempted again at 4different banks That day and each time it was declined. I called cardholder services and Spoke with them approximately 4/5 times. And even spoke to 2 people managers. Both were not helpful with assisting me to withdraw XXXX $ of my money for an important purchase. I was told that the transaction needed to be approved to obtain my own money and would take 7 days for approval then sent out via us postal service with a wait time of 7-10 business days., also another option to do a Teller cash withdrawal/ cash advance of {$5000.00} a day. I instructed to close My account and get me a check sent via XXXX XXXX to track this item. They do not electronic transfers to outside accounts of us bank. This a scam, not a bank. I want my money
Consumer complaint received 2021-04-18
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. (TX)

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Consumer complaint received 2023-03-18
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)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2021-04-18
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. (NC)

On XX/XX/XXXX & XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

This mortgage is held by Loancare for a residential property at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. I have had a mortgage with Loancare for several years. It was refinanced in 2009 and at that time an error was made. I own another home, at the address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, which is financed by another bank. However, somehow, when i refinanced in 2009, the XXXX XXXX property Deed of Trust got attached to the XXXX XXXX property, in error. 

I need that Deed of Trust for the XXXX XXXX home, which has been attached to the XXXX XXXX home in error, to be released to me from the XXXX XXXX property so that I can complete the sale of the XXXX XXXX house. 

My Title Company and I have been calling Loancare for more than one month, many times each week and they simply tell me that it is being researched. On several occasions, I've been told the matter would be resolved within a few days and I've been told that I'd get a call back. But nothing has been resolved and I've never gotten a call back. 

I need to have the deed of trust on the XXXX XXXX house released immediately. 

I am hopeful that you can assist me in getting this resolved. Loancare has exhibited the WORST customer service that I have ever experienced and I would never use them again for any business transaction. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: Atlanticus Services Corporation (NJ)

I report my card stolen and lost. 
But Fortiva credit card still charging me money on credit card that was stolen and used the amount of XXXX dollars.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Opened a checking account on XX/XX/2019 since my wife and I moved down to FLORIDA. A few days later I tried to check online banking, to find out it does not let me in. The previous day my wife deposited a {$350.00} check into my account for me in their online banking app. I called bank of America to find out what happened and they closed my account without any prior notification ; no phone calls or emails. The customer service rep said they would mail the remaining amount in my account in a week or so. Fast forward 2 weeks later I get a check for {$39.00} from BOA. 

I need that {$350.00} because I'm XXXX and I have medications I need to pay for. 

I want the entire {$350.00} BOA were supposed to pay me.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX we signed up for a promotional chase XXXX  credit card. The promotion is here : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX This promotion says we can use the card now if we are approved. We were approved and now can not use the card and can not receive the promotion. Chase will not do anything about it and will not reverse the application.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with Bank of america and received approval for six month payment hold however Bank of America reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by Bank of america and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, Bank of america paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On    XX/XX/XXXX , I was notified of a garnishment that would soon commence by the  Human Resource department.  After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. Th e summons was submitted by Plaintiff  : c/o   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  GA  XXXX .  XXXX .  XXXX   File n umber :  XXXX . This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house .,  XX/XX/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   ,  GA  XXXX   XXXX  filed a suit stating an amount owed of {$1000.00} plus $  XXXX  -a  ttorney  fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiF a fees. Included are also   XXXX    differen t bills for sale for companies that are all out o f business. There is also a generic cardmember agreement for Household Bank.   On   XX/XX/XXXX ,     XX/XX/XXXX   XXXX   XXXX   XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment.  XXXX   XXXX   XXXX  sold account to  XXXX   XXXX   XXXX , which have filed to enforce judgement by way of garnishment. However, After contacting  XXXX   XXXX   XXXX  to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company  XXXX   XXXX   XXXX , also state they do not have any information regarding the debt.  XXXX   XXXX   XXXX  filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by  XXXX   XXXX   XXXX    XXXX     XXXX . I believe my case falls within claims against  XXXX   XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion continue to report incorrect information to my credit file. 
1. They have allowed two ( 2 ) collection accounts to be posted with no account name, original creditor and status. If the collection that show a balance of {$1100.00} is a collection, then they have allowed the data furnisher to violate my consumer rights under the FDCPA Regulation F. I do not know who this is and what this is about. 

2. The second account has no information such as account name, original creditor, dollar amount. It clearly show that I have disputed this but it has not been resolved.

3. They have also allowed a student loan with a payment history reporting that is incorrect. I've disputed this account before with no response. I have paid this account off, it was not transferred as indicated under the " comments '' section. 

4. They are allowing to be reported a Dept of Ed account showing as a " Collection '' I do not have any outstanding collection accounts with the Dept of Ed. Please investigate this.
Consumer complaint received 2020-12-22
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. (MN)

Attached to this complaint from United States XXXX XXXXXXXX XXXX of Minnesota for proof I never filed for Chapter XXXX Bankruptcy. The derogatory record of Chapter XXXX Bankruptcy discharged on XX/XX/2020 currently listed on my Equifax credit report is inaccurate and not my derogatory information. The Derogatory information dont belong to me.
Consumer complaint received 2020-12-22
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. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2019-03-09
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. (MI)

I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.