davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (CA)

I am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been suffering since XX/XX/XXXX as Bank of America employee due to lack of proper communication updated.my information on to XXXX XXXX. 
I had just newly moved to the United States and wanted to open a checking account for employment payment purposes. 
Since then several times I have tried to contact Bank of America both local and Headquarters to get this resolved but had no success. I filed a complaint with consumer finance during XXXX and immediately I received a callback from Fraud Prevention Team of Bank of America who apologized to me for the error and assured me that the information had been cleared and going forward this would not be an obstacle for me to get a checking account opened. 
Apparently no action after that phone all has been taken as still I am unable to open a checking account. 
I have a account which is a online checking service which I use for my payroll. 
I am flight attendant with XXXX XXXX and this is causing me a lott of stress and embarrassment. 
I seek your assistance. 

My Name : XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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 a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states 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 reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I searched for " free credit reports '' on XXXX. The third search result is TransUnion, which is the site I selected. I filled in a request for a free credit report and the website prompted me to fill in my credit card information. There were no readily apparent terms or conditions, indications, or boilerplate text showing that I would be charged {$24.00} for a subscription ; however, after agreeing to what I believed to be a free credit report, TransUnion attempted to enroll me in a yearly program at a monthly cost of {$24.00}. I immediately canceled the subscription that I never wanted in the first place. I then checked my bank account to see whether I had already been charged. Sure enough, there was a pending charge for {$24.00}. Next, I contacted TransUnion to try to resolve this issue. A confrontational customer service agent told me there are no free credit reports and I agreed to the subscription.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I paid off an account which was XXXX, Comenity bank was the collections. I settled the account for {$2000.00}, been 2 months and still shows on credit collections. Never entered to credit report. Was also told that I would recieve a letter stating that account settled, never did recieve such letter.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to file a complaint against XXXX XXXX ( debt collector ), P.A, Attorney for Plaintiff, American Express National Bank in conspiracy with American Express National Bank witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to American Express National Bank. The notice included an affidavit signed by Assistant Custodian or Records for American Express National Bank, XXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.
Consumer complaint received 2022-12-14
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. (HI)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

In 2013 I notified our mortgage company of senior exemption status meaning the mortgage company should cease property tax withholding. Since that date I have contacted our mortgage company many time with no results. I have sent the letter of exemption many times with no results. I am unable to resolve this issue with the mortgage company and therefore the situation has resulted to this complaint.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

There is no company name provided, the address listed XXXX XXXX XXXX, XXXX, PA XXXX. They have been sending a collection notice in the amount of {$780.00}. The collection has been reported as pasted due balance. I do not know this company as there is no information provided. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-07-16
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: General Motors Financial Company, Inc. (TX)

My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XX/XX/2019
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (AZ)

I am writing in regards to two collections on my credit report. I am unsure who the debt collectors are and they have not notified me in any form in regards to the debt they are attempting to collect. The account is showing they are on behalf of XXXX. I did not have a contract, not contact, with the collection company after the accounts were charged off and closed with the original party. The account was reported on XX/XX/XXXX, by XXXX XXXX XXXX, in the amount of {$480.00}, however closed date shows XX/XX/XXXX. The second account was opened on XX/XX/XXXX as well in the amount of {$100.00}, however the closed date shows XX/XX/XXXX. I am unsure who this company is, never communicated with them, and I have never signed  documents in regards to the debt.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Duvera Billing Services, LLC (GA)

I recieved a letter about XXXX XXXXXXXX which i never consented to and duvera and XXXX XXXX and my XXXX XXXX is in the state of XXXX Georgia thats it im a XXXX year old girl with no job right now and i asked if the company can monitor my social security number because my old boss has my social security in their text if XXXX XXXX is XXXX it got rejected
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of fraudulent charges. I tried to fix this problem with JP Morgan Chase Bank on XX/XX/XXXX. I sent them a formal request for removal of fraudulent items that were found on my credit report, which they disregarded and didnt act to remove the accounts. This is a violation of the California Credit Reporting Act and the FCRA. I've done the hard work, checking accounts against records and this accounts are fraudulent. So I want those items to be removed/blocked from my credit reports. Please help me to solve this issue. The accounts I am writing to you about is listed below : 1 ) Chase ac # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

2 ) Chase ac # XXXX, Date open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

3 ) Chase ac # XXXX, XXXXcc open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

My card has been compromised several times the last time I went to the regions branch to receive a new card, the card that was automatically sent out sat in the same envelope it came in, XXXX  XX/XX/24 received notification that someone tried a transaction on this card that was never activated on my account, several hours later my active card was compromised, it would seem the bank is compromised from inside, I would like them to perform a security audit as this is a major breach for a failing bank
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 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 PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXXOnemain -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX
Consumer complaint received 2021-04-19
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: Experian Information Solutions Inc. (AL)

I recently sent a dispute letter to XXXX and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc. (CA)

When I was doing my routine bank reconciliation with my bank account, I noticed that there were several checks that was cleared by my bank that is a complete fraud ( the check itself ) and forged ( signature of my wife ). What I did is to contact my bank and have these checks dishonored due to fraud. I completed some paper works that the bank asked me to do. Several days later, I received a collection letter from Payliance ( Collections Acquisition Company , Inc. ) collecting money. It was sent to my address. A copy of the check was even included in the letter. What is absurd is that a certain XXXX XXXX XXXX XXXX   name is printed on the check, together with my name as well as my wife 's name. I called up Payliance several times and what I always get into is to wait, and after a long wait, I will be prompted to leave a message. How can I get this cleared when this is the kind of service I get from this Payliance. I have nobody to talk to.
Consumer complaint received 2022-10-15
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. (CA)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance - ; LXXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXXXXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called Capital One to determine if there were any promotions. Was advised of an offer for 0 % APR for 12 months. Called twice to clarify. Got charged interest rate anyway. I provided them with dates and time of calls and they investigated. Informed me that there was no error on Capital One 's part. Asked them if I could listen to the recorded call. As was expected, this was denied.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXX -Citibank Na I have filed a report for identity theft with the Federal Trade Commission XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/2022 I was served with court documents to answer to a debt with XXXX XXXX XXXX that they were trying to sue me for. I don't have any debts with this company. Due to the fact I have never been sued before I had contacted the company to ask what this was about and they just told me it was a debt that was owed to them. I never owed a debt to these people they can after me threatening a lawsuit against me. Originally the company that I reached ( XXXX XXXX  ) Synchrony Bank told me that they sold my information to XXXX XXXX XXXX and that they had written it off. Also during that time I had my credit reports all shutdown because they were fraud being done under my name as well. I tried to work out something with them but they refuse and decided to persue trying to sue me after I have repeated to them numerous of times that I don't have anything to give them. I told them that I don't have any money and that I lost everything due to COVID but also I knew that there was a bill passed where If you had a certain amount of medical debt it would be wiped away but unfortunately this company still came for me for XXXX and then additional XXXX for court fees anyway. I tried to work out a lower amount with them and they refused so they told me I had to pay {$100.00} a month until its paid off. These people are scamming people out and something needs to be done about it I told them that I would try and pay that amount knowing that I don't have it just so I wouldn't go to jail. My parents as in the process of.helping me get a attorney because of how they mishandled this when situation. There are numerous complaints with the XXXX XXXX XXXX about this company doing illegal tactics and harassing people as well. All of the complaints are saying a lot about what I am saying too but now I seeking action against them soon for this I had no idea on how to properly handle the situation at the time I have attached all my supporting documents to why I should not be responsible to pay this company that
Consumer complaint received 2023-01-11
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: EQUIFAX, 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 a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions