davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: Advantage Credit, Inc. (CA)

XXXX XXXX of XXXX XXXX XXXX contacted my wife and I on XXXX XX/XX/XXXX to ask if we were interested in refinancing our home with an Interest Rate Reduction Loan ( IRRL ). His company had secured the financing for our home in XX/XX/XXXX so he already had signed disclosures on file. 

I was out of the country at the time so my wife, XXXX XXXX, called him that afternoon to discuss options. She specifically asked " Will you need to run our credit? '' The response that XXXX gave was " We will not need to run your credit at this time. '' During the phone call. 

On XX/XX/XXXXh, my wife and I both received notices that someone had run our credit. XXXX contacted me through text. I checked my report and it showed that Advantage Credit Inc, had Inquired about my credit on XX/XX/XXXX. 

I sent XXXX a text that day asking if he had run our credit. He stated " Yes, I pulled your credit so I could start moving forward with your VA IRRL streamline refi. '' Following that exchange he made a number of excuses as to why he did it after I told him that he was not authorized to access our credit reports. 

He then promised to send us our reports, which has not happened and to review them with us. This was on XX/XX/XXXX and we have not heard from him since then.
Consumer complaint received 2019-04-10
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. (OK)

Hello, I was able to access my Experian credit report online, however the website would not allow me to print my report in a printer friendly format without first signing up for for a 30-day trial ( free for the first month but costs XXXX thereafter ). I believe that Experian should be able to provide a printer friendly version of the report with out having to sign up for additional services. I have been able to generate printer friendly PDF report from both XXXX  and XXXX. With Experian I was forced to print the webpage directly. 

Thank you for your time.
Consumer complaint received 2019-04-10
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. (DE)

In the month of XXXX year of XXXX I sent Equifax a dispute regarding XXXX XXXX  listed on my credit file. In XXXX I directly contacted XXXX XXXX in reference to an unknown account on my report. According to Equifax there is an outstanding balance of {$1600.00} associated with this account. XXXX XXXX sent a bill with the total listed of {$830.00}. This is clearly not a valid account with conflicting information from XXXX XXXX to the credit bureaus and myself and I am demanding this inaccurate account and Information to be removed from my credit file. I have attached this contradicting information.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (GA)

These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TN)

I recently was approved from a discover it card. I received the card on the XXXX of XXXX. I activated the card XX/XX/XXXX and tried to use the card on my XXXX play account for a sum of {$7.00}. They denied my purchase and stated possible fraud and to give them a call. I called discover and went a specialty team member and loss prevention. They stated my phone number which has been my phone number for awhile can not be used to verify me and do I have another number. Then stated they can not help me and to call back. I called back over five times and its the same run around. They verified me using my same number when I created the account and now they won't verify me to use the account
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (VA)

No legal notifications. Reported as collection on my credit report for less than {$150.00}. Damaging my credit. Did not follow fair credit collection laws. Damaged my credit without legal notifications. Please investigate this bottom feeder business.
Consumer complaint received 2023-08-12
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX  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. 
15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-10
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: ID Analytics, Inc. (OH)

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (MN)

Commencing between XXXX and XX/XX/2020, Ive been a victim of a multilayered scam operation orchestrated by a person going by the name XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my US Bank account via bank wire and cashiers checks, to accounts in XXXX XXXX and XXXX  XXXX XXXX, in the total amount of XXXX USD.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

collections agency convergent outsourcing is the collection agency who bought the account from the original creditor, reliant energy. it was opened as a new account in XX/XX/2019, yet i did not receive written notice until XXXX, the letter was dated for XX/XX/2019. I called and spoke with the collections agency, who stated they had sent out the only letter in XX/XX/XXXX, i then asked then why have you already put the collections account on my credit report and i have not been given my 30 days to decide what i would like to do. I was then sent another letter, stating they would like an answer as to why i was disputing the account.. I sent an email stating just as before. Received a letter today saying i am still responsible.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NJ)

On XX/XX/22 I received a notice on my credit report that Creditor Aldous & Associates added a derogatory mark to my credit report. I had no idea ny company was out to collect a past debt. I received no documentation of the debt from Aldous & Associates nor had any communication until this point.
Consumer complaint received 2023-07-04
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: ALLY FINANCIAL INC. (GA)

I submitted a previous CFPB complaint regarding a negative credit bureau reporting ( Complaint # XXXX ). The company recently responded denying any wrongdoing in the matter that was presented. While I have received that information, I do not agree with it and have made 3 previous attempts for further investigation into this matter. In addition to the fact that my account was only 29 DPD, and I received a negative 30 day reporting, I spoke to an Ally supervisor on Monday, XX/XX/XXXX which was 3 days before the payment was made to ensure I was receiving correct information. My first call was on Saturday XX/XX/XXXX where a representative was unable to give me clear and accurate information on if I would definitely avoid a XXXX by paying on XX/XX/23. I followed up on the XXXX with another and spoke to a supervisor who assured me that as long as the payment was made before XXXX EST on the XXXX, I would avoid a XXXX. I proceeded to cancel my payment that was scheduled on XXXX, and completed it on the XXXX. I have requested on 3 separate occasions that Ally review the recorded conversation with the supervisor to see that I was clearly given incorrect information. Each time I am told to wait 3-5 days and someone will follow-up but that has yet to happen. On the second attempt of requesting the call to be reviewed, I was told there is no record of a conversation. I have attached a copy of my phone records showing a 25 min call to Ally 's number. At this time I am demanding that Ally locate and review the recorded call from XX/XX/23 where a supervisor advised me of misinformation regarding when I could pay. As a result of that call, I am therefore demanding that the 30 day XXXX be removed from my credit file.
Consumer complaint received 2020-02-06
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. (CO)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-16
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XX/XX/XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (MS)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, non-written, verbal, and non-verbal per 15 USC 6802. Therefore I am opting out of any derogatory indicators such as late payments, charge off, collections, bankruptcies, judgments, liens and hard inquiries.
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-16
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)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

I opened an account with Frost Bank towards the end of 2016 I had the account open for approximately 6 weeks and each week there were Numerous fraudulent charges I immediately ( within minutes of the charges being alerted through text, email I Immediately asked those charges to not be accepted out of XXXX & XXXX?!?! a bar in XXXX and I think a grocery store in XXXX.. I am in Texas! and have never been to either one of those countries.. I physically was told " it's no big deal just come into a branch and we will give you another card '' and " we will get to the bottom of it '' .. but we will give you a provisional credit..? I have screenshots of the emails back and forth ad proof! also the physical emails themselves as proof of these FRAUD Charges Immediately being disputed and a list of the dollar amounts 4 charges from the same bar in XXXX on the same date Within a few seconds I believe for over {$1200.00}!?!. Never Once was I questioned, asked about, any of the charges, told steps that were needed to be done ( like filing a police report ) NOTHING!?! .. I received a call one day from a branch manager ( I saved her voicemail as a matter of fact, it's time-stamped and dated ) stating " we're closing your account! '' .. I said " What?? you owe me {$50.00} still " that's In my account '' .. 
.. at this point I was willing to allow it to be closed based on her lack of effort and allowing all of this fraudulent Mess to take place!! ) .. " what are you talkin about you're supposed to be investigating these fraudulent charges!?! " ... 
they said " No we're just closing your account, oh and you owe us 500 something dollars?. " .. like what in the Heck are you talkin about!?! ... ... 
. 
now this is on my credit and it has become a huge pain in my family 's side I will file whatever charges are needed or seek legal counsel if necessary for restitution, time lost, aggravation, stress, NOONE has helped me@FROST.. FROST.. I called them dozens of times asking for resolutions ... 
BUT ... then I started getting letters in the mail saying yes " we investigated the fraudulent charges and YOU WERE RIGHT! .. we have finalized the credits instead of just a provisional .. '' ... 
but still after they closed my account they stop talking to me about anything ... super unprofessional, extremely jacked up, just caused more drama and stress in my life PLEASE HELP!!! Thank You!!
Consumer complaint received 2022-09-08
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 (OH)

I opened my credit card with Bank of America in XXXX of XXXX. I made a payment over the phone with rep. in XXXX and gave her my account information. In XXXX, I made an automated payment, however, the payment did not go through because Bank of America 's system had retained and was using my closed bank account detail from XXXX. I had not had an active account with Bank of America since XXXX ( over 14 years ) and they have been retaining my detail and as a result, charged my payment to the incorrect account and then suspended my ability to pay my bills as a result. I am not aware of Bank of America making any attempt to let me know this occurred, unless they did so by contacting my email or phone from my XXXX, rather than the email and phone I would have given them at the time that I opened the account in XXXX of XXXX. 

When I contacted the credit card company, they told me it was my responsibility to apparently know this was their business practice and update this detail that I wasn't even aware was still in their system. 

Had I not attempted to set up online bill pay and instead waited until it was time to make my payment, my payment would have been late and reported to my credit.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My FCRA 15usc 1681 and HIPAA rights have now been violated and no one has done anything about it. I sent in written requests, but the credit bureaus keep losing my inquiries. Additionally, they are not updating my credit file that anything is in investigation, so it is as if they are purposely ignoring my requests. This is a violation. I was supposed to receive updates after 30 days and I should be able to see the accounts that are actively being investigated with a current status update, but this is not the case, and it has been more than 45 days. The current status of the dispute should have been recorded. Please do something about these 3 violations and they are getting away with committing toward me. 
The accounts that have no updates at 45 days and still have incomplete and inaccurate information on my credit file are the following : XXXX ) XXXX XXXX XXXX : Acct # XXXX account dates are different on Transunion XXXX XXXX and XXXX, since it is inaccurate and still incomplete this should have been removed no later than XXXX. 
XXXX ) XXXX XXXX XXXX : Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX these accounts amounts are different on XXXX of the credit bureaus. And one doesn't have an amount listed even close to the other XXXX. This is completely inaccurate and should have been removed or updated within 30 days. 

This is illegal and goes against the very Law book they advise they adhere to. No one responses to me in a timely manner, they do not update my current account status and they do not correct inaccurate and incomplete information. 

HELP.
Consumer complaint received 2023-08-15
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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