davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

On XX/XX/XXXX my vehicle was destroyed in the hurricane. High winds brought down trees, one of them fell on my car. I had purchased it on XX/XX/XXXX in XXXX XXXX North Carolina and financed it through GM Financial. Because the car was totaled and I had gap insurance both XXXX my regular car insurance provider and XXXX the gap insurance provider were going to pay off the vehicle. I have copies of the email exchange between myself and both of those companies during this time. GM Financial was notified of these claims immediately. I was assured by all three companies that I did not have to make any more payments on this vehicle. The following weekend I purchased a new vehicle at the same dealership which was financed through XXXX. Insurance claims apparently take time to pay out so I kept a close eye on my credit report over the next few months, watching for the balance to disappear. I watched as the amount that XXXX was going to pay was removed. I watched us the amount XXXX was going to pay lingered longer on my credit report. Eventually XXXX paid their part, but inexplicably after both companies paid there was a {$37.00} balance remaining. I spoke with all three companies. GM in particular I called several times about this balance as it was showing as a negative factor on my credit report. They told me initially it was a mistake and that I could ignore it. The account was then charged off. Alarmed because my credit had already been damaged quite significantly by my recent divorce proceedings, I called back once again. At this point speaking to the same individual who had reassured me before that this was a mistake, I insisted that I pay the balance however I could so that it would come off of my credit report. He said he wild and a message to a specific department to fix this, accepted the payment and I have proof of payment from XXXX XXXX XXXX  in XXXX XXXX. That was XX/XX/XXXX. Unfortunately, though that amount was paid ( when frankly it shouldnt have even been there ), GM Financial insists on reporting this as a charge off. Their own employee told me to ignore this, that it was an accident, that it was a mistake. This one negative factor on my credit report is preventing me from having a credit score that will qualify me for the mortgage that I am applying for. XXXXXXXX XXXX in Tennessee, my contact there being XXXX XXXX, alerted me to the weight of this one error. If this were correctly reported as paid as agreed, my credit score would be as much as XXXX points higher. This is an extremely damaging error entirely at the fault of GM Financial. It is preventing me from qualifying for purchasing a home for myself and my children. I am a single mom. I never had a late payment on this loan I followed the instructions of the finance company as well as the insurance companies. This is unacceptable.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, Ive been with Bank of America for about XXXX years since I opened a debit and a credit card and all those years Ive never had any issues or anything unpaid Ive always payed on full every month and Ive never had any troubles, today I tried to use my credit card ( that I havent used in person for about XXXX months because I usually use my credit card for online subscription/ and online payments and I use my debit for anything else ) and It said it was declined, I called my bank and asked them what happened and they said they have closed my account because I forgot to pay a couple months ago and its been accumulating ( something that I didnt realized ) because I payed my minimum amount last month and this month too ) and I thought I was paying a normal monthly payment but Ive been XXXX while my card its been closed ( it was a total of around XXXX dollars ) I tried to ask them if they could reopen it and this wont happen again because It was just a misunderstanding I never meant to not pay but they say their policy doesnt allow them to reopen a credit card and that they were very sorry this happened to me, I checked my credit score which was XXXX last time I checked and when I check today it dropped to XXXX over the period of a month I understand this happened because of the closure of my credit card but I dont think its fair that my credit goes down so bad for something I wasnt aware of ( I never got an email with anything saying that I didnt pay for that month of anything saying that my account was going to be closed and I wasnt aware for XXXX months that they just closed it and didnt even gave notice or anything, if I could get help on what to do and what my steps are to fix this credit score that would be awesome, the only reason why I opened a credit card was because I moved out of my parents and they told me thatll help me get approved for apartments, my lease ends in less than a month and I wont get any application approved because of my credit, thank you so much.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have sent a letter a letter to Equifax disputing a PO Box address on my account that does not belong to me. I have also forwarded them a copy of my Drivers License that shows my correct home and mailing address. They have refuses to remove the address.
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

A letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This was an attempt to collect a debt ( Creditor : XXXX XXXX XXXX XXXX ; Balance Due : {$51.00} ). 

Next, I sent a letter to Transworld Systems , Inc. dated XX/XX/2021 in request of additional information pertaining to this attempt to collect a debt. 

Next, a letter was sent from Transworld Systems , Inc. to me dated XX/XX/2021. This provided additional information on the materials obtained from the creditor. This included a XXXX XXXX XXXX invoice with three charges totaling {$45.00}. I never received any information from XXXX about any part of this invoice prior to this point. 

The first charge is for a package supposedly sent by me with a charge of {$10.00}. Again, this is the first time I received any information regarding this order. 

The second charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$18.00} is an act of fraud. 

The third charge is for a package whose sender and recipient are not related to me in any way. The fact that neither of these names and neither of their associated addresses are related to me in any way clearly shows that the attempt to hold me responsible for the associated charge of {$16.00} is an act of fraud. 

On XX/XX/2021, a phone call was made to XXXX at XXXX at XXXX XXXX to inquire about the charges pertaining to this invoice. The first representative to answer the call filed a fraud report. Then, the call was forwarded to XXXX ( no last name provided ) in XXXX XXXX. XXXX stated that even though I was the shipper of the first charge, the invoice was an error and I was not responsible for any of the charges of the invoice. XXXX also said that Transworld Systems , Inc. would stop attempting to collect debt from me. 

It should be noted that I have always fully paid the cost and any associated fees of any shipment at the counter for any shipment by XXXX and any other shipping companies. This is fully consistent with what XXXX reported. 

XXXX also stated that this issue has occurred to other individuals. This suggests that it is possible that Transworld Systems , Inc. has collected money from other individuals that was not owed.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THE INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THOSE INQUIRIES WERE NOT AUTHORIZED TO APPEAR ON MY CREDIT. I DID NOT GIVE THOSE COMPANIES ANY AUTHORIZATION TO RUN MY CREDIT. PLEASE HAVE THOSE EXCESSIVE INQUIRIES OFF MY REPORT.
Consumer complaint received 2023-03-24
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

This collection agencey is reporting debt with starting dates of 5 months ago. I havent been in any hospital for years. Two debts were sold to this company and they changed the date of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
Consumer complaint received 2020-02-22
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. (FL)

Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.
Consumer complaint received 2024-02-12
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. (AR)

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize Experian, XXXX, or XXXX to include the following accounts on my report : - 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 The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report.

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties.

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, I was shopping at around XXXX and after I finished my shopping I dropped my wallet which had my bank card, pin, drivers license in it and 2 hours later it was used at my local banks ATM. the person made two transactions of {$500.00} dollars which equal up to {$1000.00} dollars and I tried calling for three hours as soon as I found out and realized that money has been stolen from me. I alerted them telling word by word of what happened then they made a claim for me. Soon enough, they paid my claim with a provisional credit, but today on XX/XX/2020, I was told my claim got denied and they will not cover my claim and the money drafted out my account from my ATM.
Consumer complaint received 2020-02-22
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: Experian Information Solutions Inc. (FL)

Re to XXXX XXXX through XXXX XXXX XXXX XXXX XXXX has been successfully disputed several times on my credit report because it's a fraudulent accounts please remove also XXXX XXXX attached is a police report identifying the loans that's fraudulent.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as Experian, XXXX  and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2021-02-18
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. (TX)

In XXXX an unknown company reported a collection on my account. I disputed this on XX/XX/XXXX with XXXX, XX/XX/XXXX with equifax, and XX/XX/XXXX with XXXX 

After some research, I determined the account was related to an old account from XXXX. It was an old electricity bill that I never received when I moved. I was made aware of it in XXXX, paid it immediately as agreed, and obtained a release of debt from the original creditor / agency ( XXXX XXXX / XXXX XXXX ). At that time in XXXX I disputed the charges, provided my release of debt letter, and it was removed from my reports with all 3 bureaus. 

Providing the release of debt letter this time around, resulted in only 1 of 3 bureaus removing the information ( XXXX removed it but the others did not ). Not only is the debt more than 6 years old ( possibly past the statute of limitations ) and already settled and paid as agreed, abut the 2 agencies in question are reporting it as a new collection with a date of XX/XX/XXXX. 

Recently, I applied for a mortgage and noticed my scores with XXXX and Equifax are over XXXX points worse than my scores with XXXX. This error on their part is costing me significant money in addition to the time I've spent and frustration I've felt in dealing with this error. 

XXXX doesn't even have a way to dispute the item, when I log into their system it doesn't show up as an item that can be disputed. I had to dispute it thru XXXX XXXX.
Consumer complaint received 2019-10-14
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. (SC)

3rd REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, LOUISANA XXXX
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX XXXX bank of america credit card made an unauthorized transfer of funds from my XXXX XXXX checking account. I set up an online payment on XX/XX/XXXX. On XX/XX/XXXX two transactions posted to my checking account with the same transaction number but for two different amounts - the first for {$1200.00} which I scheduled online and the second for {$1100.00}, which I did not schedule or authorize. I called customer service for bank of america to inquire how this had happened and request a refund. I was given no explanation for how or why I had been double charged but was told I would be refunded the {$1100.00} charge in no more than 10 business days. I clearly explained that I had not made this payment and believed it to be a mistake. On XX/XX/XXXX my money had still not been refunded. I called again and asked how the double charge had happened. The customer service agent on the phone could not explain the error and told me that the refund had been processing when it was flagged as fraud on XX/XX/XXXX. I was not notified and the agent could not give me any explanation as to how or why this had been flagged as fraud. I was told I would have to call back in 2 more business days to get additional information. I was given no time when my refund would be processes. I said that this was unacceptable and asked to submit a complaint. I called my XXXX XXXX XXXX  and requested assistance and they requested a return payment on my behalf.