davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
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. (NV)

CONSUMER REPORTING AGENCY DID NOT COMPLY WITH FCRA REGULATIONS AS IVE BEEN DISPUTING THIS ACCOUNTS ACCURACY THE ENTIRE TIME, PAST COUPLE MONTHS, I HAVE YET TO RECEIVE ANY PHYSICAL PROOF OF THE DISPUTED ACCOUNT IS ACTUALLY VERIFIED TO BE MINE.

CHECK MY UPLOADS AGAIN TO SEE THE DISPUTE LETTERS I'VE INITIATED ENFORCING THE CREDIT LAWS.

" According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. " You've dismissed yourself from not having had ever removed this account from my report so there's no reinsertion laws broken by you but how can you look past the fact you've never sent me clear physical proof of a verified account you allow to remain disputed on my report for a period of over 2months. You were unable to provide me a copy of verifiable proof, so you must remove the account from my credit report, thankyou!
Consumer complaint received 2020-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

A few months ago, I received a mailer with a personal code to open a checking acct. The offer was get {$300.00} with a total of $ XXXX in Direct Deposits over the following 90 days. 

I followed the steps, opening the account with the personal code. A few weeks after account opening, I believe I made met the qualifying terms. On XX/XX/XXXX, I called BofA customer service to confirm this. A rep named XXXX did state that I had met the terms so I thought nothing of it. 

A few weeks later, I receive a letter from BofA essentially reminding me to make direct deposits so that I can earn my sign up bonus. I was confused so I called back on XX/XX/XXXX to double check. The representative that picked up was XXXX and she stated that I did not meet the requirements. I believe she wrote an escalation form. I also was forwarded to XXXX who explained that I will just have to check in a few weeks on the decision from the escalation form as BofA is not allowed to call me to provide updates. 

On XX/XX/XXXX, I called to as for updates. A representative named XXXX answered. She could not locate the escalation form and couldn't provide any updates. However, she confirmed that there was nothing to do.
Consumer complaint received 2018-04-12
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX XXXX for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, Experian and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is holding up transactions in processing and posting them on those dates when the funds are not available so that the bank can charge overdraft fees. Even though The merchant charges my account gets approval from the bank of America and then the bank post that charge on the day when the funds are low to make overdraft fees. Every month they take out over {$100.00} in overdraft fees. 

On the XXXX of XXXX XXXX XXXX  charges were posted as you can see below funds were available and approved by the bank they held that charge in processing till XX/XX/XXXX. I was under the assumption that the charge has gone through and paid. They posted that charge on XXXX XXXX when my account balance was low and collected {$75.00} in fees as you can see below. This happens all the time and the bank is deceiving their clients and stealing money from their account. When I asked for a refund they stated it's not a bank error. Bank of America uses overdraft fees to generate revenue by deceiving its customers.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (OR)

I paid what I thought was a final phone bill to XXXX on XX/XX/2019. 

I received no notice or anything of the sort to that would lead me to believe my dealings with XXXX were anything but finished. Fast forward to XX/XX/XXXX and I get a phone call from Allied Collection Services Inc, saying I have a old phone bill from XXXX that went to collections. I called up XXXX to see if this is true but they can't prove why I would owe that when I was already with another carrier as of XX/XX/2019 with a finished ported phone number to the new carrier as of XX/XX/2019 and why they claimed the billing was for services from them on XX/XX/2019 - XX/XX/2019 so they just pushed me to the collection agency. 

Its XX/XX/2019 already a week after I was first contacted by allied collection services inc and despite my repeated attempts to get any sort of debt validation letter or even just any sort of letter in general from them to have some sort of paper record they either are refusing or willfully ignoring me.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX DOB XX/XX/1973 SS : XXXX I am in received some letters from XXXX # XXXX, XXXX XXXX, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX, XXXX and myself, XXXX XXXX  XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming. 
I do not have any documents or paper trail that these companies are entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contracts and accounts in question. 
I have some unknown addresses on my credit report as well that I do not recognize and well : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE Delete Phone Numbers that does not belong to me : 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 I have never done any business with the following companies. 
Please Delete UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-06
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. (IN)

TransUnion continues to use out dated or incorrect data on my report which keeps my XXXX XXXX in the XXXX, When my XXXX and XXXX are in the XXXX This has kept My Scores from increasing there are accounts that have been deleted from other reporting agencies but TransUnion continues to report inaccurate information
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX tried to false include knowing the courts do not report you broke another l : XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX All Accounts included need to be removed
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately. 

XXXX XXXX XXXX XXXX Equifax Courts bureaus & creditors tried to false include knowing the courts do not report you broke another l : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX All Accounts included need to be removed
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX is reporting a collections account from XXXX   XXXX in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX XXXX  showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to experian and XXXX  but get a response of it being reported correctly, it is not. I do not owe this collections account or progressive. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I have received a collection letter because the XXXXXXXX XXXX in XXXX, Georgia, failed to properly close my account despite my in-person request and confirmation it was officially closed. I went to the branch located in XXXX grocery store on XX/XX/15 to close the account, reported the debit card lost and brought my account balance to XXXX. Weeks later, I received a letter my account was overdrawn. I called customer service to find out my account was not closed, and the debit card was still active. The collection letter is from Convergent Outsourcing requesting a debt I do not owe.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (OR)

I had a XXXX  XXXX credit card with a {$2000.00} limit. When XXXX XXXX bought out XXXX  XXXX XXXX XXXX refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted riverwalk holdings to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the riverwalk holdings put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through XXXX XXXX. River Walk Financial picked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. riverwalk holdings does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XXXX   XXXX  has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX is reporting a collections account from XXXX   insurance in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX insurance showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to XXXX  and Transunion but get a response of it being reported correctly, it is not. I do not owe this collections account or XXXX. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.
Consumer complaint received 2021-12-06
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. (NC)

I started a dispute with Experian on XX/XX/2021 for the dismissed bankruptcy and accounts included in my XXXX that is on my credit. I have not been receiving any type of notification that they are even investigating the disputes let alone sending me the responses of their investigations! Because of this lack of communication and notification, I sent another dispute on XX/XX/2021 and XX/XX/2021. Experian has stated once that they verified my XXXX but that's not possible since my XXXX XXXX report is frozen and doesn't allow to verify nor does it even show the bankruptcy because it's frozen!
Consumer complaint received 2018-08-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

I am trying to sell and close on my property and and contacted Loan Care for my payoff. I contacted them as well as the title company on XX/XX/2018. It is not XX/XX/2018 and they still have not provided the payoff information and after numerous attempts in contacting I keep getting the run around and no one seems to know why they can not generate the payoff information. Every person I speak to at Loan Care seems oblivious to the process and provides various answers as to why they do not have the payoff. I have already missed one closing date on a cash sale and about to lose another because of their incompetence. I have never had such a hard time requesting a payoff from a loan provider.
Consumer complaint received 2022-06-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights on XXXX 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )
Consumer complaint received 2022-06-11
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 with the Fair Credit Reporting Inquires XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-08-27
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. (NY)

The account with XXXX XXXX XXXX was closed and charged off back in XX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in XX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I am demanding deletion of this of fraudulent account this account does not belong to me I have not obtain or receive any goods from this account it is a violation of my fair credit report act section 15 usc 1682. This account is hindering my credit profile I have never authorized used or benefit from this fraudulent account or transactions in any way.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (LA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-11-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (TN)

On XX/XX/2018, our loan was paid in full as we bought another home. We have been in contact with the Loan Mitigation Department because they said the Bankruptcy Department did not have a direct line of contact. We have - {$6800.00} in the Summary of amounts past due before bankruptcy filing ( Pre-Petition Arrearage ). Our Escrow amounts have been refunded to us but they keep saying they have to reconcile the account and this has been going on since the end of XXXX since we have been inquiring about the return of our funds.