davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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. (FL)

I went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.
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. (VA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (GA)

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item XXXX Bankruptcy XXXX does Not have an exactly matching Data Furnisher/Creditor Contract address location. XXXX shows ( XXXX Bankruptcy XXXX ), Experian ( XXXX Bankruptcy XXXX GA XXXX ) and XXXX ( XXXX ). 

2. The date filed and reported shows XX/XX/2022 with XXXX and Experian but shows XX/XX/2022 with XXXX. 

XXXX. The reference for XXXX is ( XXXX ), Experian ( XXXX ), and XXXX ( XXXX ) which is Inconsistent as well. 

4. Experian and XXXX Reports a closing Date of ( XX/XX/2022 ) and XXXX reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (WI)

I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Professional Placement Services. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) was paid in full on XX/XX/XXXX. After reviewing my credit report I noticed a few issues that are very concerning to me. Professional Placement Services has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX & XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX on my XX/XX/XXXX credit report. Professional Placement Service reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind these claims were paid in full long ago! This company calls my house every day, Monday through Sunday. They call several times a day. I get calls on Sunday 's at XXXX XXXX. All for debt that I paid off a long time ago. I have never received a statement from Professional Placement Services for these two claims so I can't attach them for reference.
Consumer complaint received 2018-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm trying to get my credit score up and TransUnion is making it very difficult. Account number XXXX, for XXXX XXXX XXXX XXXX XXXX have been paid off in full. The property attached with that account is XXXX XXXX XXXX XXXX TN XXXX. 

I have a new address and a new account number. If only TransUnion would actually investigate this matter, they see the change. In XXXX I pulled my bankruptcy records to learn that someone created a EIN number on me, used my personal information as though I have a business. The case number is XXXX. I'm not sure what the name of the company was. 

Also in XXXX I went to XXXX XXXX XXXX to open an account. I was asked if I ever had a business. To learn another EIN was created using my personal information. My name was used as XXXX XXXX and my late father name was used as XXXX XXXX The number was created in XXXX. 

I've reported this information to the courts, IRS, banks and FTC. I'm working close with IRS. The courts told me the case needs to be reopened. I mailed you a copy on my new utility bill, including my new address. 

You have medical bills on my report that don't belong to me. 
XXXX.
Consumer complaint received 2018-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (SC)

XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by Sequium ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call XXXX for that. I did and was put through to their collections. They told me that Sequium was told to suspend collection activities on XX/XX/XXXX due to account review. I called Sequium back and told them what XXXX told me. I was told that XXXX doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that XXXX suspended collection activities the week before she acknowledged it and I was told to call back when XXXX adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I logged onto my account XX/XX/XXXX and notice that my credit limit has been reduced by {$5000.00} from {$15000.00} to {$10000.00}. I called 5/3 bank the same day that I noticed this and spoke to a customer service representative as well as the representative supervisor XXXX ( employee Id XXXX  ). I inquired why their was a reduction of my credit limit, but no one could provide an answer. They stated a letter was mailed out to me XX/XX/XXXX, but due to extended traveling I will not be able to access the letter. 

Additionally, since I'm in the process of purchasing a home. I have been monitoring my credit like a hawk, and my concern was that such a large drop will drastically affect my credit due by affecting my credit utilization ratios. In the call I requested is their a process to reinstate/ reexamine the credit profile. 

I had a similar incident happen two months prior with a XXXX XXXX  credit card. There process is more consumer friendly then 5/3 bank. First they gave me one month advance notice that they were reducing my credit limit ( unlike 5/3 bank ). Once I received the letter from XXXX I called them and explained to them that I'm looking for a home and that reducing my credit limit would affect my credit utilization ratio. They simply stated that they will put in a request to reinstate my initial credit limit. 

To recap the complaint : 1 ) 5/3 bank reduced my credit limit with advance warning 2 ) I have no way of knowing why they reduced my credit limit 3 ) They do not have a process that was communicated to me regarding if there is a way to appeal or reinstate the decision 4 ) The supervisor refused to provide me or transfer me to the individual who she reports to for me to express my concerns.

5 ) It seems very fishy that my credit limit was reduced shortly after making a larger payment on my credit card account.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (UT)

This complaint is in regards to US Bank and their XXXX XXXX XXXX   XXXX Card : Background : In XX/XX/XXXX and XX/XX/XXXX, I received multiple offers in the mail and via email. I received one advertisement/offer that stated I would get 0 % APR on purchases for 12 billing cycles. A few days later i saw another email that was offering XXXX reward points for signing up. I preferred the 0 % APR offer so I applied through that email. I was approved in XX/XX/XXXX, i started using the card immediately. In XX/XX/XXXX, I then noticed that i wasn't receiving 0 % APR i so i called and spoke with multiple customer services reps and they were completely awful, they sounded so inexperienced. I then faxed a letter and sent them an email stating my frustration about not receiving the 0 % APR. 

In XX/XX/XXXX, i received a response and letter from US Bank president or vice president.. She said that i actually was approved for the XXXX reward points and NOT the 0 % APR. I said " okay.. that's fine, I'll take the XXXX points then. The letter also stated that i would receive the points in the next cycle ( certificates are mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX rolled around and no certificates were mailed out, i haven't received anything. 

It's now end of XX/XX/XXXX-XX/XX/XXXX and I still haven't received ANY REWARDS certificates. I was told by a rep on XX/XX/XXXX rep that i would receive them and they were mailed out on XX/XX/XXXX. After waiting a few weeks i called again and I was told by a supervisor on XX/XX/XXXX that there was a system glitch that prevented me from getting the certificates.I just feel like I've been lied to. I was supposed to get XXXX reward points for signing up for the card and I didn't receive any certificates for that. I've now accumulated over 30,000 reward points and haven't gotten rewarded for my usage of the card. I also sent an email to US Bank on XX/XX/XXXX and haven't heard back from them This is completely misleading and if I had enough money i would attempt to file a lawsuit but i'm just an average middle class american trying to survive and I mainly use this card just for groceries at XXXX. I'm extremely disappointed.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America is currently engaging in dual tracking during the modification process and trying to claim ownership of the mortgage. I submitted documents during the month of XX/XX/XXXX, for a loan modification. Please see attached document! 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. 

The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2021, I was victim of a fraudulent theft and my bank ( Bank of America ) refuses to protect me and take responsibility for this fraud. The thieves used a forged customer service line. I searched up on XXXX the XXXX Customer Service number to report an undelivered package. The first number that showed up on XXXX was the fraudulent number. A man, pretending to be an XXXX representative, told me that my package had been located in XXXX and they were going to get a new package sent to me as soon as possible. They said they would guide me how to fix the issue, so they had me download an app called XXXX on my phone. From then on, the scammers said that they needed to cancel the original transaction from my Bank of America App. Although I was skeptical, they kept repeating that " this is XXXX, we are a XXXX dollar company you have no reason not to trust us we just want to get your package back to you. '' This made sense to me because I indeed thought I was talking to XXXX XXXX XXXX, as that was the number that I dialed. Taking complete advantage of my emotional vulnerability at the moment, they made me go on XXXX and type in " codes '' that needed to be sent to this uniform bank of America account which was : @ XXXX. They had me do that twice, a transaction of {$990.00} and {$990.00} for a total of {$1900.00} that they stole from me. During the time this was happening, they also asked me that they needed my moms information because I told them she was the owner of the XXXX account. They tried calling from a different line than the one that was calling me but my mother didn't answer the phone. They quickly realized they were not going to able to scam her so they hung up the phone call as soon the transaction was complete.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The subject debt was incurred on XX/XX/XXXX for a XXXX Handbag. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California Sales tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in XXXX XXXX in XX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The Original Creditor, XXXX XXXX XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}
Consumer complaint received 2022-06-16
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. (SC)

Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by XXXX XXXX XXXX. Investigation Results- DELETED : The dispute item ( s ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from Experian, detailed XXXX, XXXX  has flagged my account as Collection on XX/XX/2022. 

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 instruction.
Consumer complaint received 2022-06-16
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. (SC)

Report Created on : XX/XX/2022 file Identification Number : # XXXX, provided by XXXX XXXX XXXX. Investigation Results- DELETED : The dispute item ( s ) XXXX XXXX XXXX was removed and deleted from my credit report. 

On said and about date XX/XX/2022, I received an alert from XXXX, detailed XXXX, XXXX  has flagged my account as Collection on XX/XX/2022. 

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 instruction.
Consumer complaint received 2022-06-16
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2023-04-10
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. (MD)

I discovered that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX on the lake apts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-26
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: WELLS FARGO & COMPANY (AL)

I was a victim of fraud. Unfortunately, it was my boyfriend. He emptied my savings of {$10000.00}. He wrote me a few checks for a very small amount to begin to pay me back. Wells Fargo held the checks for a minimum of three days to ensure that they would clear the XXXX XXXX  Account. 
After that he disappeared. What I dont understand is this. I had a credit card with a credit limit of {$4100.00}. I only had used {$2100.00} Of the credit. The following month I had a balance of {$11000.00}. I was livid. I have fought and disputed this with Wells Fargo since XXXX to no avail, the credit bureaus and discussed with lawyers that I can not afford. I finally convinced Wells Fargo to remove part of the bogus charges. They brought the balance down to a little over 7k. I began to pay it down and then let my anger get the best of me. This company is crooked. I refused to pay! {$6700.00} is my current balance. The account has been charged off 19 times. How does that happen? Also, {$6700.00} is well over my limit of {$4100.00}. Remember, - my original balance was {$2100.00}. With my latest dispute they reported a late payment of XX/XX/XXXX and removed the max debt of $ 11k+. How crooked! How is that possible? The last late payment reported was XXXX XXXX and the last charge off date was XXXX XXXX. This is truly damaging my credit score. Please help me if you can! Kindest Regards, XXXX XXXX
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (NC)

I recently contacted Experian via dispute process if several items incorrectly reporting in my credit file the items and there incorrect information are noted below 1. A bankruptcy filing is listed the item was disputed and removed from the file in XX/XX/XXXX the bureau has added the item back to my file but did Not provide the 5 day notice to me as they are required by law to provide 2.  XXXX XXXX account listed in report doesnt have correct term shows 1 month no last date of activity and No historical payment history 3. XXXX XXXX XXXX # XXXX shows no historical payment history no last date of activity 4.XXXX  XXXX # XXXX shows no historical payment history, no term last updated XX/XX/XXXX 5. XXXX XXXX # XXXX last updated XX/XX/XXXX no historical payment history and no term All items above were previously deleted and added back to file without the required 5 day notice to me the consumet