davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Claims Bureau, Inc. (NY)

I have on two previous occasions notified the collection company and the hospital that my only income is social security and I am unable to pay the obligation and my income is not subject to judgement. They continue to attempt to collect the debt and make threats.
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (CA)

I have a fraudulent hospital bill for XXXX $ on my credit report. XXXX immediately corrected it. I've submitted several disputes to Equifax and when they email me a link to login and review the result, I'm required to fill out a questionnaire about my credit report to verify my identity. Not even 1 of the 4 questions have any accurate information regarding my true credit report. I've attempted this 10 times already. The collection company is XXXX XXXX XXXX XXXX. I asked them to send me a copy of the bill. The bill doesn't show any services received or reason for the charge. I did attempt to go to the hospital on the date of the bill. But I only went as far to sign in. Once I learned It would be more than an 8 hour wait, I immediately left.
Consumer complaint received 2022-07-21
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-12-14
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. (GA)

After noticing a 64 point notice on my Equifax report, I attempted to contact Equifax for an explanation. After being sent in automated circles, then cut off from a live person by an automated survey, I was finally able to talk to a live person. However, this person could not explain the 64 point drop to me, and only gave me vague possibilities, which I easily deflected by facts in my credit history. This Equifax representative told me that no one at Equifax could explain the reason behind my credit score, and that it was not possible to make an in person appointment to have my score explained to me. Over the last two weeks, there have been three senseless changes to my Equifax credit score : A decrease of 56 points on XXXX/XXXX/2020, an increase of 56 points on XXXX/XXXX/2020, and a decrease of 64 points on XX/XX/2020. There have been no drastic changes in my managing of my finances, and no justification for these changes, especially the most recent change. Equifax has been extremely unhelpful, and in my opinion is deliberately manipulating my credit file. I need this to be addressed.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CT)

Creditor -EOS CCA Recent Balance - {$1300.00} Date opened - XX/XX/2017 First Reported- XX/XX/2017 Original Creditor - XXXX XXXX The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
Consumer complaint received 2022-06-13
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-13
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: Credit Service International Corp (WI)

My credit report showinging collection agency Credit Service reporting I owe XXXX XXXX XXXX. I nevero opened or had an account for such services in Texas. I never had or did business with either of these companies
Consumer complaint received 2022-06-13
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. (PA)

there are unauthorized inquiries for XXXX XXXX  on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Consumer complaint received 2022-07-21
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. (MD)

I appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 XXXX and EQUIFAX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Theres a hard inquiry on my XXXX report for a credit card I never applied for, XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

On XXXX XXXX, 2020, I received a letter from Flagstar Bank indicating the flood insurance on our property does not meet their minimum coverage. The directions in the letter said to increase the flood coverage by {$19000.00} within 45 days or the difference would be applied to my loan. On XXXX XXXX, 2020, I emailed a copy of my flood insurance declaration page which showed the increased coverage to the email address requested. I received an email back from Flagstar noting receipt of the information and their files would be updated shortly. I called on XX/XX/XXXX and XX/XX/XXXX to confirm receipt of coverage. The rep said yes and everything was ok. On XX/XX/XXXX, I received a letter from Flagstar saying I never increased the coverage and their took money out of my escrow to buy coverage. I called Flagstar and an XXXX of the leadership team said she had to hand in a ticket to waive the Flagstar added coverage and to reimburse me. She said it would take 2 weeks. I called back and Flagstar keeps saying they have to hand in a ticket and it will take 2 weeks. They promise to call me back but never do. I wrote a letter on XX/XX/XXXX and they never responded. I have called every several weeks since then with no resolution.
Consumer complaint received 2018-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (MN)

I refinanced a group of 5 loans from XXXX XXXX to Lendkey. I provided a 30 day payoff amount. Within that time, I had a payment due, plus the loan went through quickly so the group of 5 loans were overpaid by {$160.00}. XXXX XXXX say that they sent a payment back to the payer on XX/XX/XXXX. That {$160.00} should be applied to my loan, since that is part of what is financed and what I am paying interest on. However, Lendkey did not apply that {$160.00} refund to my loan. From my perspective it simply disappeared. I refinanced a group of 5 loans. They were overpaid by {$160.00}. A refund was sent back to Lendkey and should be applied back to my new loan. No {$160.00} has been seen since it left XXXX XXXX. 
The attached documents show the old statement from XXXX, the new statement from XXXX after the refinance, and the new statement from Lendkey. Either XXXX did not send the refund or Lendkey is pocketing the refund money and hoping I won't notice.
Consumer complaint received 2022-07-21
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/2021
Consumer complaint received 2018-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have contacted a person for apartment, she is asked me to send the deposit then I sent her deposit in three transactions ( {$550.00} total ) through XXXX- Transfer, later she is not answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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.

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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
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. (PA)

In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-19
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. (PA)

On XXXX XXXX we entered XXXX XXXX, enticed by their outdoor CLEARANCE notices. After two hours of viewing furniture with salesman XXXX XXXX. ( none of the XXXX employees disclose their last names ), we used our CITICARD ending XXXX to pay {$7400.00} for XXXX large pieces of furniture ( sales detail attached ). XXXX XXXX and XXXX XXXX clearly understood the furniture was intended for an, under construction, vacation home located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, Ohio. and delivery would not be possible till XXXX or XXXX. The very next day, XX/XX/XXXX, XXXX tried to schedule delivery. Under the XXXX hour cancellation, we tried to cancel the transaction. 
From XX/XX/XXXX to XX/XX/XXXX through numerous voice and written contacts with CITIARD BILLING DISPUTES ( XXXX ). CITICARD denied cancellation. 
Requiring us to pay them {$7400.00} for the XXXX pieces of furniture. 
During the 4 months no " CITICARD INVESTIGATOR '' contacted us, and apparently accepted the absolute false statement by XXXX XXXX, mgr of XXXX, that this XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX wife XXXX XXXX, walked from the store with all XXXX pieces of furniture on XX/XX/XXXX. 
NONE OF THE FURNITURE WAS TAKEN OR LATER DELIVERED TO US. 
Yet CITICARD demands payment.
Consumer complaint received 2020-11-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

On XX/XX/2011 Westlake Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Westlake Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXXXXXX XXXX XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3 Validate Account XXXX  Account Number : XXXX Please remove it from my credit report XXXX Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX  Account Number : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I tried multiple time to work with Experian regarding these two unverified bankruptcies on my credit report. Every time they state that this report was verified with XXXX Bankruptcy Court. XXXX Bankruptcy Court mailed me a letter stated that they never released any information to Experian, so I called Experian. The worker of Experian stated that they verified through a third party regarding my bankruptcy. Its again the law to do so. Experian only used the last 4 SSN to verify bankruptcy ... This is clearly a violation of the Fair Credit Reporting Act. Experian need to do their job right according to the Fair Credit Reporting Act procedure. Attached are all of the ruling and documents to support my claim again Experian.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I had a mortgage with XXXX. In XX/XX/XXXX, I entered into a loan modification program ( attached ). My first new payment was XX/XX/XXXX. The schedule of payments due is detailed in the attached documentation. I made ALL PAYMENTS on time during this program ... .yet the bureaus indicate past dues in each of those months ( XX/XX/XXXX through XX/XX/XXXX with the delinquency accelerating all the way to 90 days past due. 

This is a violation of my federal rights for bureaus to report incorrect information. I disputed this and they left it on my file.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Verisk Analytics Inc (VA)

I pulled my XXXX consumer ( Property Loss ) report by contacting Verisk. The report contains information on a Homeowner 's policy listed in my name and I DO NOT own any Real Property of any kind. Publishing a property loss claim on a homeowners policy in my name is a fraud and any insurance company uses this as an excuse to inflate insurance premiums as additional risk. 

I wrote Verisk on XX/XX/2018 and again on XX/XX/2018 to request documentary evidence of an insurance policy bearing my name and signature associated with the reported insurance loss. Verisk simply states the loss is verified by telephone and has referred me to XXXX 's XXXX to request information from their data furnisher. 

My dispute letters are very clear that I requested a copy of the insurance papers bearing my name and signature ( as required of the FCRA ). I do not believe there was any investigation because XXXX XXXX XXXX, XXXX 's, and Verisk has sent me nothing of any merit to verify any homeowner 's policy and/or a loss bearing my name. 

I received two identical letters and a print copy from their database ( pages attached ) This property loss needs to be deleted from my property loss report because there is no verification, it is inaccurate and/or incomplete. XXXX dba Verisk must verify and validate this information as accurate or delete this record as it is damaging my character in the financial industry.