davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (PA)

I contacted equfax and attempted to notify them that two accounts on my credit report that I was initially disputing was changed to not disputing and to remove the statements on my credit report as disputing. The 2 accounts are XXXX XXXX and XXXX. I have been unable to contact anyone from Equifax. Whenever I attempt to call they keep telling me im answering the identity questions incorrectly. I just want all statements removed from my credit report stating that I am disputing them claims.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (VA)

On XX/XX/XXXX, I received an email from Sequium stating that they were contacting me to collect moneys owed on a XXXX account. I emailed and called Sequium to notify them that I dispute that I owe any amount to XXXX. As background, I purchased a new home and attempted to obtain internet services for my home. After weeks of delays, I contacted XXXX and they indicated that there was an issue scheduling the service connection. I was then mailed equipment to my home that I was supposed to be able to connect, but could not. I contacted XXXX again and was told that a technician would need to come to my home. When the XXXX technician visited, he recommended that we NOT use XXXX 's service because XXXX was not available in our neighborhood ( with older homes ) and the size of our home would result in poor connectivity. I then ordered services from XXXX, which I have now had since late XX/XX/XXXX. In sum, I never had XXXX XXXX. I have called, emailed and chatted with XXXX reps and shared this information multiple times. Not only have I not received a refund for the deposit I paid, I am not having to deal with a debt collector for amounts I do not owe.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is the only credit bureau that seems to report this misinformation for account XXXX. Experian is reporting that each of the following account were late in XXXX XXXX which is not correct. I sent a letter to both XXXX and Experian over 4 months ago and Experian has yet to correct this information. XXXX and XXXX have since removed this information. I will be moving forward with suing Experian for defamation of character if this is not removed in 7 days being that my initial letter was sent XX/XX/XXXX Please correct the late payments you have reporting for the following XXXX accounts and furnish the correct information. I was never late on any account with XXXX. See the attached copy of my credit report and dispute letter, which is dated, and time stamped. 
Account # XXXX Balance {$4000.00} Account # XXXX Balance {$2400.00} Account # XXXX Balance {$460.00} Account # XXXX Balance {$690.00} Account # XXXX Balance {$1900.00}
Consumer complaint received 2021-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I regularly make additional payments in advance through the website. Bank of America is misapplying my principal payments as future payments. The default calculation they use allows them to collect interest on the principle that has been paid. 

According to their website, I am paid up more than five months in advance. I don't want to be paid up 5 months in advance. I want all of the advance money applied to the principal. 

This in my opinion is fraud on a huge scale and should not be legal. Getting them to correct the problem takes considerable time through their IVR and with an agent. It isn't something a consumer should have to do.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of { {$1400.00} } This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I rented a dumpster XXXX XXXX. I paid and signed a contract. They dropped it off Friday XXXX and picked it up on Monday XXXX XXXX. About 3 or 4 days after they picked it up I got a call from someone from the billing department stating I threw a tv on the dumpster, which I didnt. I asked for an itemized invoice back in XXXX after I got 2 phone calls back to back from them. It was radio silence, then Friday XX/XX/XXXX they pulled {$750.00} dollars from me without an itemized invoice or letting me know they would do so. I contacted RBFCU ( my bank to dispute this charge and they are not willing to help me what so ever. I have spent about 10-12 hours on the phone with them to get this resolved but they are not helping me, their customer at all! 

Case # XXXX With RBFCU XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXX is the company. They are scammers, you cant even leave a review. 

RBFCU even said the contract was messed up and meant to scam me, but wont do anything about it. This is just wrong and I am closing my account regardless with RBFCU because of their terrible services but I want my {$750.00} back. I am the sole provider for a family of 4 and this is just really messed up.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

Discovered fraudulent charges started on my Citibank checking account on XXXX XX/XX/22 I have tried to get Citibank to assist after they acknowledge it was fraud and at every turn no resolve. Zero resolve to date I have been a loyal Citibank customer for XXXX years. 

I just need help recovering the {$5600.00} that was stolen from my account.
Consumer complaint received 2017-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank Of America reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ).  I have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail. Bank of America shows on the report with the telephone  XXXX  and address of Bank of America  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from bank of America Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my reports  ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I woul d not have been  XXXX  in  2004. This  account  XXXX   XXXX  and Bank of America need to be removed for many reasons ans the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Consumer complaint received 2022-02-16
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: JPMORGAN CHASE & CO. (WA)

My credit was dropped by XXXX points related to a mistake that Chase made in accordance with " The Fair Credit Reporting Act ''. I spoke with Chase on XXXX, at that time the representative told me that the 60 day late fee was an error and that they would send a letter to me for my records and remove it from my credit report. On XX/XX/XXXX, I called again twice to see when I would receive this letter and and the correction to my credit report. They could not see a late payment and assured me that this was an error on Chase 's end. On XX/XX/XXXX, I called again and spoke with a man in the Credit Reporting department. He informed me that there was a late payment, and that he could not assist in removing it. On XX/XX/XXXX, a Credit Law Litigator informed Chase was not following the Fair Debt Collections Act, The Fair Credit Reporting Act, the Fair & Accurate Credit Transaction Act, nor the Federal Trade Commission rules. It was required that Chase contact me, which they did not, that they send letters- which they did not, and that they can not continue to charge me fees when attempting to withdrawal from an unused account. On XX/XX/XXXX, I spoke with XXXX in Chase 's Credit Reporting department, she stated that letters were mailed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. She stated that these letters were mailed and when I told her that they were not, she stated that she would mail them to me. I then asked for a supervisor. I spoke then with XXXX in Credit Reporting department, who stated that no letters were mailed and that no calls were placed. She then hung up on me at XXXX. I then called back asking to speak to someone that handles complaints, I spoke with XXXX, who noted my compliant but did nothing to resolve the issue. At this time, per the litigator, I told them that we would be seeking punitive damages, all court costs as they admitted multiple times on a recorded line, statutory damages and attorney fees as is allowed.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

-On XX/XX/XXXX I sent a Certified validation request letter for collection on my account for {$970.00} from Jefferson Capital Services . In my letter I asked for all validating documents I have the right to see and gave 30 days to them. I waited months For a response yet they continued to report on my credit file. Come XX/XX/XXXX I still hadnt heard from the company yet my credit remains so I decide to resend another certified validation letter which was delivered XX/XX/XXXX & still until this day they have not validated this debt and not supplied not one peice of proof showing I owe this debt yet they continue to report on my credit reports. I waited another 30 days for response and nothing still. On XX/XX/XXXX I sent another certified letter requesting/demanding removal of this debt from my reports given they have not supplied bo evidence of this debt being owed in the past 5 months. I also sent my information to the actual bureaus requesting removal. As of today nothing had changed and still no proof of this debt being owed and now Im here.
Consumer complaint received 2022-07-06
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FinCo Services Inc DBA Current (NJ)

I tried to open an account on https : //current.com. But they refuse to help me open the product, without giving me any explanation as to why it is not possible. The main page shows the requirements for opening the account. I comply with everything that is requested, social security, state id, passport. But they continue to tell me that for reasons of the company they can not help me open my account. 
I demand that the company tell me the reasons why they don't want to open my new account. Because it is very strange and I think it is because I am of XXXX origin and my English is not very good.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX is at XXXX violations for me XXXX hipaa violation providing me with a description of what was done to me which results in hipaa violation incorrect name on bill they submited to me not correctly spelled and not labeled as medical collection account which is supposed to be on there not XXXX XXXX XXXXl which is not considered properly marked XXXX violations in total
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IA)

This letter is a formal compliant that you are reporting and incomplete credit information. 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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2022-07-06
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: CITIBANK, N.A. (CA)

On : XX/XX/2022, XXXX gave to : Citibank, {$59.00} as a Credit, on a Citibank Cash Back Card, that is already Closed. Citibank doesn't want the Credit to be given to me on another Debit Card, that I currently have.
Consumer complaint received 2020-02-08
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. (CA)

MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (DC)

Please have all 3 bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait 24 hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER
Consumer complaint received 2022-02-16
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 — Problem with personal statement of dispute
Company: T.S. Holdings (TN)

I lived at XXXX XXXX at XXXX  XXXX from XXXX. I was originally on a XXXX year lease and once my lease was up I was paying month to month and no longer under contract. I put in a XXXX day notice with the company advising them that I was in the process of buying a home  and would be moving out at the end of XX/XX/2018. I closed on my home XX/XX/2018 and moved out of the apartment a couple days letter. I am not sure why the apartments are saying I owe them as my notice was put in properly. The apartments have also been sold to a new company since I moved away which should have cancelled out any prior obligations. My problem is that I never received any communication or notices from XXXX XXXX regarding this alleged debt. They allowed IQ data International, a debt collector to take over this and report this information to the credit bureaus unlawfully. The collection company is also charging and reporting interest and fees on my credit report when I have no contract or obligation with them at all. I am asking that this debt be removed from all credit bureaus immediately.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I have attempted to contact your department since XXXX via mail, alerting you to the presence of multiple inaccurate and misleading entries on my credit report. However, even after obtaining an updated copy of my credit report today, these erroneous items persist, that's why this time I raised these concerns via CFPB. I am requesting their prompt correction and automatic removal.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I received a letter from XXXX XXXX XXXX XXXX XXXX, attempting to collect a debt of {$520.00} related to a PayPal Account. I called the number on the letter to inquire further, and they informed me of an account that was opened in XX/XX/XXXX and used in XX/XX/XXXX, which does not correspond to any actions on my end. XXXX has my name and home address, but when pressed to verify my SSN I declined. When pressed to verify my email address, I also declined, but the representative read off an address that had no relation whatsoever to me. I don't know how they obtained my information in the first place but this is either a scam, or the result of identity theft.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (FL)

Experian.com consistently ( years now ) has my credit scores listed on their site as being 30-50 points lower than they actually are ( high XXXX vs actual of XXXX ). These higher scores have been verified individually, through my banks and through credit checks for renting and a mortgage. I believe that they do this to entice me to buy their services to raise my scores. This is infuriating and I'm pretty sure illegal. And I'm sure they are getting other nervous, unsuspecting people out there freaked out that their scores are low and they need help when they actually do not. This is an absolute scam using our false credit scores as marketing tools for their services.
Consumer complaint received 2021-03-10
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: Open Dealer Exchange, LLC (GA)

I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2021-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed an inquiry that was not authorized by me, and the inquiry is stuck on my credit. When I go through the creditor there was no resolution. 
XXXX XXXX XX/XX/2020 XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020