davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax and XXXX are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has done nothing but hesitate and provide misleading information and because of theyre long process customers such as myself are losing money. On XX/XX/2019 I filled a claim against a particular merchant ( XXXX ), they heard of my action so the merchant decided to cooperate and entitle me to a full refund. In order for me to be subject to any refund the merchant was very specific, # 1 i would need to stop any dispute with my bank ( which i did do ) and # 2 a letter from my bank stating that no case was under the specific merchant ( XXXX XXXX XXXX ) anymore moving forward. I follow the step, call my bank, wait and verify through the IVR system that transfers me to an agent, the first agent couldent help me i so got tranferred to the second agent and the second agent advised me she/he would do what she can and when all is said and done all i got was a letter stating " thank you for your inquiry regarding claim # XXXX ''. I called them a second time and explained my situation and what i needed but first i have to call the 1800 number, wait in line, wait for an agent to transfer me, the first agent cant help so i get transferred, agent cant help so i get another transfer to the XXXX who advises me it'll all be taken care of. I cooperate and wait for my letter. I am attempting for the third time to see if they can get it correct this time. XXXX XXXX XXXX will not issue any refund until my bank ( Bank of America ) cooperates, all the agents reply " I dunno who I can contact for that '', " oh ill see what i can do but i cant guarentee anything '', " my system wont allow me sir its down, youll have to go to a branch '' and the branch expresses the exact same words " oh try calling the 1800 mumber '' " I dont have acces to that sir call the 1800 number. Bank of America has kept me in this loop for nearly 2 months now. Please help me CFPB, Bank of America is causing nothing but hassle and sorrow for its customers and are making alot of people very unhappy. They're system doesn't work.
Consumer complaint received 2023-03-31
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. (MI)

In accordance with the Fair Credit reporting act. The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.B.C 1681. 

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.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # USBK Court Nevada : # XXXX. Wisconsin Child Support : # XXXX. XXXX XXXX XXXX : # XXXX. Dept of EDXXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-10-02
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. (CA)

On XXXX XXXX XXXX I opened a credit card with XXXX XXXX XXXX ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and XXXX XXXX XXXX had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail XXXX would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called XXXX and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with Equifax and XXXX. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that XXXX is telling me to contact the credit bureaus but then the bureaus are telling me to contact XXXX to resolve this! 

My dispute date with Equifax is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with XXXX is XXXX.
Consumer complaint received 2021-04-01
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 — Problem with personal statement of dispute
Company: Lending Club Corp (IL)

The Lending Club Refused To Delete Credit Account Of A Loan.I Was Never Asked To Physically Sign Any Documents When Account Was Opened Online.I Requested Validation Made Pursuant To The FDCPA And The FCRA.I Disputed The Account With The Company And The Credit Reporting Agencies : XX/XX/XXXX XX/XX/XXXX XXXX.Account Always States " Verified '', Without Any Documents Bearing My Signature.I Had To File Lawsuit At XXXX County Circuit Court.
Consumer complaint received 2023-06-13
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX pulled my credit multiple time the same day by mistake. 
XXXX XXXX the creditor Credit pulled on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It should be only XXXX pull not all XXXX I only got XXXX credit card on the XXXX XXXX XXXX The rest of the inquiry are not authorized
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The Experian Credit Agency is criminal. I pay off my credit cards every month and pay all my debts on time - no late or missing payments for many years now. Today Experian dropped my credit rating XXXX points for no reason. They provided no justification just a note they dropped my rating for no reason. If they can not provide factual justification, shut them down immediately. This is the XXXX time this year they have pulled this XXXX ( I opened a ticket last time too ) and last time provided no justification. This has to stop immediately. Shut them down. Shut them down. Shut them down.
Consumer complaint received 2019-10-02
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

MY WIFE AND I BECAME VICTIM TO THE FRAUD INDUCE MONEY ORDER SCAM VIA MONEYGRAM AND XXXX XXXX SCAMMERS. WE LOSSED {$6000.00} AND MORE WITH XXXX XXXX BETWEEN XXXX. WE NOW WANT TO START A CLASSACTION FOR MONEY ORDER FRAUD.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capital Accounts, LLC (TX)

On XX/XX/XXXX I received a notification from the credit bureaus XXXX in regards to a unknown collection account from Capital Accounts in the amount of {$410.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation in XXXX and to send my a signed contract with my signature and the agent disconnected the call. I called back and requested documents from another agent and was told they would send them but never did. Its been 7 months and the fraudulent account still shows disputed by consumer on my credit file. Capital Accounts purchased this fraudulent account XX/XX/XXXX and never contacted me before reporting to my credit and just reported it on my credit file again XX/XX/XXXX but have yet to send debt validation. Capital Accounts needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted and reinserted without my knowledge as well and has been reinserted a 3rd time without my knowledge or verification of this debt. Capital Accounts has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Consumer complaint received 2023-05-07
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. (VA)

CFPB had a breech as well as all these other reporting agencies which causes me great concern with my information not being accurate. The addresses and employment information is mine i have attached my id and they still continue violating me, the information below is not mine XXXX W. 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  of XXXX XXXX  By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAMEhas in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Consumer complaint received 2019-04-05
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. (PA)

XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name
Consumer complaint received 2023-06-13
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX
Consumer complaint received 2023-04-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account 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 account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IL)

I had an initial balance of {$1700.00} but agreed to pay {$1100.00} to Phoenix Financial Services LLC, which worked for XXXX XXXX XXXX. The person I spoke with said that the letters I receive in the mail will reference the initial balance rather than what I agreed to pay, but that it will be removed once I pay it off. This agreement was made around the end of XX/XX/2019 or beginning of XX/XX/2019. This debt was placed on my credit report. To pay off the {$1100.00} and have it removed from my credit report, I paid {$95.00} every two weeks for about 6 months, which I completed paying off in XX/XX/2019. I would consistently receive letters in the mail reminding me of the balance and the balance on the letters would decrease as I paid. I made the last two payments together to finish paying off the debt a little faster and to get it over with. The payments were automatic and completed by Phoenix because I provided my debit card information. After I finished paying off the agreed debt I received a confirmation number but never a receipt of payment, but the mark on my credit was removed. I also stopped receiving letters from Phoenix and never received a phone call or letter about any missing payments after I finished paying the agreed amount. 
A few weeks ago, I received a letter from XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, stating I had a remaining balance of {$610.00}, which is about the difference between the initial balance and the amount I agreed to pay to Phoenix. I called Phoenix to see if I can receive a proof of payment since I paid the settled amount but I have not received anything from them and I gave them the confirmation number to see if that would help for me to receive proof, but they did not care for it and they said my payments were never completed, but I have every transaction number and I spoke with someone from my bank to explain the situation and they said all my payments were successful to Phoenix. I believe the {$610.00} amount was never removed from my account with Phoenix which is why I received this second collections letter.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost my business and I was not able to pay my business credits cards with Bank of America so the collection agency made deal to reduce the interest rate to XXXX % for 60 months and after XXXX payments {$170.00} and {$480.00} remove late fee and payments but after XXXX months my account still showing late payments my income is my social security so I was not able to transfer money to checking account but Bank of America DEDUCTED XXXX payments from my checking account and now my account {$670.00} overdrawn after calling so many time speaking with supervisors I was told we made mistake I have wait XXXX to XXXX  months to remove late payments that It was not disclosed at time we made deal on XXXX XXXX I need to put back the money to my checking account for not flowing through our deal
Consumer complaint received 2019-04-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation (LA)

Just received a phone call from a lady calling from ( XXXX ) XXXX saying she was from a courier service and that she needed to speak to me because they " so-called '' had legal documents delivered to me and I was unavailable and they wanted to verify my address to send these legal documents to me so I won't be a no show in my upcoming court case. First of all, what court case and second, who are you with? She would not give me the information but transferred me to someone name XXXX. He stated they've been trying to serve me with court papers and they wanted to verify my address. I asked who he as with and he stated he was with someone name ADR.  Wouldn't completely identify himself, wouldn't tell me who the company was that was " suing me '' and told me I could settle with him without going to court. He continued to threaten me over the phone about suing me and I needed to make arrangements with him today. Again, no information on who the company was that was " suing me '' and he wouldn't disclose no account number, no amount that was owed, anything. Immediately, I knew this was a scam artist trying to get banking information from me and I know if they wanted to sue me, they wouldn't call me over the phone to threaten me, I would just be served. 

This XXXX person 's phone number is ( XXXX ) XXXX ext. XXXX. Again, would not give any additional information and I can actually sue him for threatening me over the phone.
Consumer complaint received 2018-04-05
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: EQUIFAX, INC. (AR)

Since the year XX/XX/XXXXEquifax, XXXX and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. XXXX and Equifax have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.
Consumer complaint received 2023-06-13
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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