davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (GA)

XXXX XXXX XXXX XXXX XXXX Is attempting to collect on a debt I do not owe. This debt has been paid. Also, I did not receive any notifications about this debt, no phone calls, and no letters. I only knew about this debt because I checked my credit. This is a violation of my 30 day right to dispute per the FCRA. As soon as I found out about this debt, I called and paid. This account needs to be removed off of my credit file for " 30 day right to dispute '' Violation. This was a medical debt and also violating HIPPA Policies.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Icon Equities, LLC (TX)

I've already submitted proof of fraud and identity theft to this company in the past. 
We've requested the company send proof of contracts or business dealing that were agreed to, we have received nothing. This debt is not mine and again, the fraud and identify theft affidavits have already been sent!
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent so many times complaint to you. Why you still keeping these negative accounts on my name. I think someone hacked my personal information. I already wrote to you that is not my accounts
Consumer complaint received 2021-02-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have been in a refinance for almost ix months with numerous issues to which I am on closing date number three still with no resolve. I started the refinance in XXXX and I do not seem to be any closer to finishing. This entire process has been dismally handled. Communication has been dismal as well. I have emailed, called, and escalated the issue receiving poor communication or no response to include the processor and supervisor. Each time I ask for someone higher I get nowhere or get transferred to escalation again still with no response. Every time I talk to someone I keep being told to talk to my processor or go back to the escalation department in which again I am quite frankly overdoing considering no matter what nothing is being handled by anyone. If this is how you handle business I do not have a problem taking my business and money elsewhere.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-03
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. (OK)

On XX/XX/2021, I provided the bureaus ( XXXX, XXXX, & Equifax ) proof from the Oklahoma bankruptcy court that I havent filed bankruptcy and they dont validate that info to outside credit reporting agencies either. Instead of removing the mixed/merged information from my credit profile, they sent results saying the info was verified, but not validated, by a third party vendor.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have had a checking account, with a check card/debit card, and credit card with Bank of America for 18 months. I have always maintained my account ( s ) in the utmost financial responsibility. I have never had a late charge, over draft, missed payment, retruned deposit, or any other problem. My average deposits have never dropped below those required to maintain my account.

To the contrary, within the past 30 days, Bank of America has increased my credit limit from {$1000.00} to {$3000.00} without having requested it. The bankpersonell at the branch on XXXX in XXXX have praised my account and have been trying to get me toengage in other bank services. 

Social Security deposits my m, onthly benefit every month into this account. 

Out of the blue, with no explanation and with no reason, I received a letter from the Bank stating that my account ws being closed, incldiung my credit card for which I was just 3 weeks ago charged a yearly renewal fee, in 3 weeks. 

The Branch Manager and officer told me that they could find no reason for such action, and felt it was wrong, but could do nothing about it. No one can give me a reason for this action which will severly and adversely impact me and my SSA payments. 

This is egregious and wrong. By the way, I do not have a copy of the letter because the Bank Branch Manager has it.
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. (GA)

In accordance with the Fair Credit Reporting Act. This 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 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, 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very generic one or two sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXXXXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX XXXX XXXX XXXX Request for XXXX XXXX XXXX  sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 
Request for XXXX XXXX XXXX sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank you
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 — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. 

I have never been late, and have always made my payments on time. 

However recently my credit report shows that the Apple Card was reflecting XXXX days late, however as you guys can see I did not have access to any of my devices. 

I have the Apple work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. 

I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. 

I never received any physical statements when my bill was delinquent, I understand Apple and Goldman Sachs is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.
Consumer complaint received 2021-02-03
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. (TX)

I was unable to dispute a item online and Im getting a error message on my Experian credit report I contacted Experian and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed
Consumer complaint received 2018-04-12
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. (MD)

I have repeatedly attempted to cancel my membership for days, and the cancellation process is virtually impossible. Their website states all cancellations must be made by phone. No emails : XXXX XXXX XXXX CANCEL MEMBERSHIP If you would like to cancel your membership, for your security, please call our toll-free number at XXXX. 

Call this number and you are prompted to enter all your very personal information i.e. full social security number and date of birth, then placed on an infinite hold. I have mobile phone screen shots to confirm the number of hold hours. Regardless of which department you request, you are placed on a indefinite period of hold, and forced to listen to their subliminal messages and song playbacks.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXX-Date of XXXX XX/XX/2020
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). Experian, XXXX and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. I have attached Experian and XXXX reports to show the discrepancies.
Consumer complaint received 2021-12-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: I.C. System, Inc. (FL)

XXXX XXXX I called I.C. System to pay this account I asked the representative if they can please send me a copy of the report specify where all this charges come from and the representative told me its been a very long time for this account to be opened and this account has been sold and I shouldnt be asking any type of questions I should just be paying for this account and I tried to speak but the representative didnt let me they continue talking and stated they were going to take me to court and that they were going to send somebody to arrest me and take everything away from me.
Consumer complaint received 2018-04-12
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: Experian Information Solutions Inc. (TX)

I wrote a validation and verification letter to XXXX XXXX  as well as to Experian, XXXX, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous PR reporting on my Credit Report : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2014
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft!

Please remove these accounts as soon as possible!
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (OH)

I've been disputing this repossession for almost 2 years because the company constantly reports inaccurate information and balances that allegedly owe, posts completely wrong dates and missed payments..Each bureau post completely different information regarding this account. And I also was never given a notice of redemption, or a Notice of deficiency. I've requested Validation and Verification from all 3 credit bureaus via certified mail and all I get is either its been auto verified or no response..
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

Ad XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX / XXXX
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've had an account with Bank of America since late XXXX. The first check I deposited over mobile app was held for 10 days and they explained it was because the account was new. I was upset but understanding. Now it is late XXXX I have deposited checks over mobile, in store, and through atm. My latest deposit was ATM and it is being held until XX/XX/2018 it was XX/XX/2018 when I deposited it. That is much longer than 10 days first of all. Second of all m uh account is no longer new. The branch and the customer support are all acting clueless and unable to help as if holding my money that I need to survive for no explanation is something I just take on the chin. They also keep saying I should know checks can be held for up to 10 days ignoring the fact they are holding my check longer than that. Finally they have made nothing of the XXXX dollars I deposited available until the XXXX.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc. (CO)

The company is the NCTUE, a credit reporting agency for utilities and phone companies. 
XXXX XXXX XXXX : NCTUE sends me a postcard alerting me that there is derogatory/delinquent information on my record. 
XXXX XXXX : I send a reply letter to NCTUE asking for my full report, in accordance with my state 's laws requiring full reports be furnished ( Colorado ). 
XXXX XXXX : NCTUE sends its full report to me. My main complaint is that the report claims that I have a delinquent {$150.00} from XXXX on account number starting with XXXX ..... This is just not true. I contacted XXXX and documented evidence that there is no such delinquency for the address that I was located at during the year reported - XXXX. They claim I owe something that the company itself, XXXX, does not claim that I owe.