davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

a joint account with a XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. has been identified with theft since XX/XX/2015 to the current present day. I have reported this to Federal Trade Commission an the United States Supreme Court for the illegal activity has been going on with I XXXX XXXX XXXX and XXXX XXXX for the culprits are felons from XXXX County Florida, XXXX County, XXXX County XXXX, and XXXX XXXX XXXX Florida. is stealing and embezzlement and money laundering through the XXXX XXXX XXXX  XXXX XXXX of Mr. XXXX XXXX.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

debt collector had bad debt report on my credit report first, then sent notification afterwards trying to settle, not giving myself the opportunity to dispute the validity of this bad debt. I was not given notice, this bad debt was filed and charged off in bankruptcy file # XXXX. I received notice XX/XX/XXXX the notice date is XX/XX/XXXX but was already reporting negative on my credit report, not giving myself the chance to explain why this debt was invalid.
Consumer complaint received 2020-07-29
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. (AL)

I filed a complaint with Experian credit reporting agency regarding an credit card which was closed in XX/XX/XXXX due to me filing bankruptcy. 

In XX/XX/XXXX, the creditor reported the account again as if it made an update or change to the account status which decreased my score by 21 points. 

The account status should not have been changed because the account is in active bankruptcy and no payments have been missed in the bankruptcy which mean no updates should have occurred on the account. 

However, Experian supposedly disputed the item given me until XX/XX/XXXX to complete it. On XX/XX/XXXX, I received an alert from Experian stating the investigation was complete. My score went back to the previous score. Then, within an hour, it went to the negative score and did not give me a reason why it changed again and now I can not dispute it again.
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUDIT SYSTEMS,INC (UT)

Calls from this company started on XX/XX/21. No messages are left. A search on the phone number revealed it was linked to a collection agency. Since there are to many scams going around, I would not call them to disclose any personal information. I placed a complaint on the XXXX. They advised they had sent the validation documentation on XX/XX/21. To date no documentation has been received. When I filed another complaint with the XXXX demanding a copy of the debt, they stated that they sent one before an there was nothing else that could be done. Collection agency was calling spouse 's number. They stated that the number would be removed and the business would remain open.
Consumer complaint received 2018-05-07
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: Monterey Financial Services LLC (TX)

I disputed, with all credit reporting agencies, the information being reported by Monterey Financial Services. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile.
Consumer complaint received 2022-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (AZ)

A request was made to provide me with a HIPPA Certificate for debt i do not owe, rather the company provided me with a document containing my forged signature. 
Company has violated my HIPPA rights, and will be responsible for issuing a false document. Hippa violations are serious violations and will result in major fines.
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (NV)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried multiple times to have identity theft fraud acounts taken off of my credit report. XXXX, XXXX  and transunion keep filing it as a normal dispute and not identity theft. I've submitted ftc reports and proper identification several times. My right are being violated I've talked to several managers and all they tell me is there's nothing they cam do until investigation is done.. it is keeping me from qualifying for a mortgage and I am facing eviction I've been working on this for months. They refuse to take items off that do not belong to me. My XXXX  kids and I are going to be XXXX. This is entrapment. I feel helpless. And as if I have no rights and the credit bureaus get to dictate my life. I don't understand why they are not following the law. I submitted my ID and social security card along with ftc reports. Why won't they do their job? It's the most rediculouse ordeal I've ever encountered. I've called almost daily basis I've spoken with managers they all yell me somthing different and ultimately that I have to continue to wait. I did wait resubmitted my documentation for them to again file it not as identity theft but as a normal dispute. It's insane and I am going to sue but in the meantime. I need these items taken off or we will be XXXX.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Miller and Steeno, P.C. (TN)

I responded to the letter I received XXXX-2018. They dated the letter XXXX-2018 and didn't mail it until XXXX-2018. They received my letter on XXXX-2018. I told them I required proof of the contract within 30 days along with their proof they are not a scam and told them I would only communicate through written means. They continue to call my phone and my former employer. I want the harassment to stop. They also left a nasty voicemail threatening to take me to court and garnish my wages. I have resolved this with the original creditor already.
Consumer complaint received 2022-07-22
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. (FL)

In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

Specialized Loan Services was provided documentation to show when payments were made for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, indicating paid within the same month and should not reflect 30 day late against my credit report. 

Specialized Loan Services agreed to remove the 30 day late for XX/XX/XXXX and XX/XX/XXXX however have not done so to date nor have re-reported to credit bureaus as promised. 

The organization also request proof of payment for XX/XX/XXXX for review for consideration of removing both 30 day late for XXXX and XX/XX/XXXX. Proof of payments have been provided, however still no updates nor updates to my credit report. 

I ask for speedy review and response, especially during unprecedented times such as these, as I need to be able to use my credit without inaccurate blemish to sustain my business. And wish to not spend unnecessarily resources on litigation of this matter, as I believe Specialized Loan Services will do the right thing here.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

While I was attempting to do a refi on my mortgage, I was told by my mortgage company that i had a default payment on a student loan from XXXX. I have never taken any courses at XXXX. This is the information I received ( Dept of ED- GUARANTEED, Case # XXXX, Authorization # XXXX. ) I have no Idea why this was on my credit report.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Company : Credit Collection Services Original Lender : XXXX XXXX XXXX XXXX collecting on behalf of progressive for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.
Consumer complaint received 2018-05-07
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. (GA)

I filed an Online Dispute regarding Account data in my XX/XX/XXXX Equifax Credit Report and although I've now received 2 email notifications indicating the dispute has been completed, I've been unable to access the results for 3 days.

After being unable to access the results again this morning, I shared my concern w/  Equifax via it's Online Chat service this morning. Although the Chat service fails to  capture the consumer content initially submitted, the remainder of the Chat has been posted below. 

XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Hello XXXX XXXX, how may I help you? 
Me ( XX/XX/XXXX XXXX XXXX ) : See concern in submitted 'Chat '. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Thank you for notifying us of this issue. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : We have a known issue on the website which has been already escalated. In this case we suggest you to contact a live representative over the phone. We apologize for any inconvenience you may have experienced. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : You may speak with a Consumer Services team member at : XXXX. They are available Monday through Friday from XXXX XXXX to XXXX XXXX in your time zone. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : Do you have any additional concerns? If no further assistance is required, please disconnect the chat. Thank you for contacting Equifax. 
Me ( XX/XX/XXXX XXXX XXXX ) : I need to see the results of the Dispute investigation before speaking w/ someone about the matter. 
XXXX XXXX ( XX/XX/XXXX XXXX XXXX ) : This type of action can only be performed by our Consumer Services Department.
Consumer complaint received 2022-07-22
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)

In accordance wi the fair credit reporting act, XXXX I 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 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (WY)

Begin in XXXX to do modification. Had to refile due to divorce. Obtained, XXXX  XXXX XXXX in WY a foreclosure Counselor to mediate, XXXX. They have spent 2 years trying to resolve this issue. I turn in papers, and they want something more. This last time we were told that it was in " committee '' I received a request for my divorce paper and taxes. I have sent this information 3 times, at least. 
You may verify through XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-12
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Citicards CBNAXXXX and XXXX XXXX. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My old credit card account with XXXX bank was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (DE)

o Tickets purchased through XXXX on XX/XX/XXXX in the amount of {$260.00} for 3 tickets to see XXXX XXXX  in Concert on XX/XX/XXXX at XXXX in XXXX XXXX XXXX Maryland XXXX Order # XXXX. 
o XXXX XX/XX/XXXX, received email from XXXX stating that the event that had been scheduled on XX/XX/XXXX then XX/XX/XXXX ; the event was rescheduled for XX/XX/XXXX. ( All due to Covid concerns ) o On XX/XX/XXXX, received an email in regard to event being cancelled that was scheduled for XX/XX/XXXX was cancelled. This email notified me that I would receive a refund of all charges within 30 days. Please note that this email was received 11 days after the event was to occur. 
o I waited for the refund of {$260.00} ; contacted XXXX XXXX late XXXX about refund. I was told by XXXX XXXX that I would be receiving a check in the mail. 
o I was emailed a few days later that the refund was sent to XXXX and was excepted by XXXX so XXXX said there was nothing else that XXXX could do about it. 
o XXXX was contacted and they had no transaction of the refund and that the account XXXX was closed. This account was closed by me sometime in early XXXX I believe because it was too easy to get into debt with the convenience of XXXX. 
o The XXXX was closed, there was no record of receiving the refund from XXXX, but I was told that the refund probably transferred to XXXX XXXX XXXX and they would issue refund ; more phone calls, more run arounds, and no resolution of money owed me. 
o I checked my Fidelity VISA transactions and noticed that I had a refund from XXXX dated XX/XX/XXXX. Great, this whole mess is finally resolved! 
o I again checked my Fidelity VISA transactions again. There was a transaction of a charge reversing my refund on XX/XX/XXXX, XXXX Who stole from me this time? XXXX, XXXX, XXXX XXXX XXXX, or Fidelity VISA? 
o XXXX of this, I want resolution on this in the form of a refund on the Fidelity VISA account immediately in the amount of initial transaction amount of {$260.00}.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom, it may concern my name is XXXX XXXX XXXX I am writing to inform that after reviewing a copy of my credit report I have discovered that I am a victim of identity theft because there is an account in my credit report that is fraudulent ( including 2 inquiries ). The situation has caused me to be very depressed and troubled. I am in the process of buying a car for my son that is going to college and I want this matter to be fixed ASAP. Thank you very much.
Consumer complaint received 2021-06-01
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. (DE)

On XX/XX/2018 XXXX, XXXX, Equifax violated by rights as a federally protected consumer. I have proof XXXX, XXXX, Equifax is in violation of 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 instructions of the consumer to whom it relates. I never gave XXXX, XXXX, Equifax written consent to report any of my personal information. XXXX, XXXX, Equifax also violated 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX, XXXX, Equifax has stated they recived this information from the XXXX court house which is false. I spoke with the court house and they stated it is not there policy of the court to report to any credit agency.XXXX, XXXX, Equifax has harmed my reputation and oppress me from receiving services or good pursuant to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or XXXX  any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:1 ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person
Consumer complaint received 2021-06-01
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)

This account was not charged off and was paid in full at the time of closure. The incorrect balance being reported is XXXX when the balance should be XXXX. The account was not charged off it was paid and closed.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Transferred money from my savings account at Bank of America to an account at an unknown bank for rent deposit and payment. Online rental property information was a scam. Submitted a claim to Bank of America on XX/XX/2020 and have not been able to obtain any information about claim investigation other than denial letter. 
I have spoken with 2 fraud claims managers at Bank of America but have received none of the information requested and no return phone calls or communications.