davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXX Balance : {$8700.00} ; XXXXXXXX XXXX XXXX
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Laid off, and they have no plans to lower payments, ,and they keep adding late fees,, when a person notifies a place that they lost there job, you should automatically be put on a reduced payment plan, ,with no late fees or, other charges, There are 2 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

This is a dispute for accounts incorrectly listed on my credit report of which these fraudulent accounts and public records that " may be considered negative '', have been filed illegally without my permission and misconduct use of my stolen personal information such as my name, social security number, and birth date. It is Fraud Identity as I did not file this accounts/public records on the dates specified in the credit report when they were opened, nor did I sign for any such accounts/public records electronically. For the credit items accounts such as : XXXX, XXXX. of XXXX, and XXXX I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. For the public records account XXXX, I have never lived in that area before and I have absolutely no idea where that comes from or even why it appears on my credit report. I am only a resident and have only resided in the State of New York. I have also never been contacted by that and have no idea where that is located nor do I know what it is in regards to. 

I never filed any form online for such credit items accounts and public records, and I also never signed any electronic forms for any credit items accounts and public records online. Again this is Fruad Identity and I am disputing these credit items accounts, public records, and credit report. 

Thank you in advance for your patience and understanding.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Complete Credit Solutions, Inc. (TX)

Received correspondence from company XX/XX/2022 about a debt that was written off from the original creditor. I immediately disputed the collection attempt. I submitted my dispute on XX/XX/2022 via Certified mail. They respondedXX/XX/XXXXclaiming to have validated the debt without proof as weak as admitting that the original debt was indeed a charge off. I responded XX/XX/2022 informing them that a charge off debt does not get reported on a credit report as debt, but rather the IRS income tax return as income as the law states. I also informed then that they are in violation of several laws and that their willful noncompliance will be enforced per violation. The law is the law and that they must abide by the law and pay me per violation. I received no response to this letter. I then received an email from another collection company claiming that they have the right to collect this charged off debt. The 1st company knew that they couldn't collect it, and they are refusing to pay me per the law. They sold the collection account to another debt collector. I then submitted a third letter to the company citing various FDCPA and informing them that they are in violation of the law and that I will seek further damages if my demands are not met promptly and this account be removed from my credit reports. This letter was just sent XX/XX/2022. They should have received it since they are a local company within driving distance from my residence. Please see all attached evidence and please read in it's entirety. The file that was mailed to the new company ( XXXX XXXX XXXX XXXX XXXX was sent certified and notarized on XX/XX/2022 )
Consumer complaint received 2022-10-13
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. (FL)

I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (NV)

Calls every day starting XXXX/XXXX/15, Sunday included. Leaves no message. When I XXXX the number, comments indicated Penn Credit. They have called:XX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXXX/XX/2015 XXXXI have no outstanding debts.
Consumer complaint received 2018-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NC)

The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.
Consumer complaint received 2022-04-13
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. (NY)

On XX/XX/2022, I received the following alert from Experian For a Hard Credit Report Inquiry For a XXXX XXXX  Installment Loan or Bank Account. 

I have never had an account with this bank and have never applied for an account with this bank. XXXX XXXX  and Experian have been notified. And I need this Inquiry Taken off my Credit Report. 

A Police Report Regarding this Issue was filed with the XXXX XXXX XXXXXXXX Police Department.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Someone fraudulently requested a credit limit increase on my XXXXXXXX XXXX credit card on XX/XX/2022 and I got a hard inquiry. I did not authorize it.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I C systems keeps reporting a bill from XXXX XXXX that came off of my credit report 5 years ago and now they are showing one on my credit report I have a open account since XX/XX/XXXX until this current date today last reported XX/XX/XXXX I don't have any cable with XXXX XXXX or any other cable company. But this account they are reporting was last active back in XXXX at this residents XXXXXXXX XXXX XXXXXXXX XXXX XXXX Ga XXXX it went to collection and fell of after 7 years and now its back and they are steady reporting this account like its still active
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

I have been trying to log in to make payments on the account with Acima Credit in which I have been unable to do so or the last 45 days. I knew today was the final day paying off the loan with no interest added. However I was unable to log in so I paid over the phone in which I was provided no receipt of transaction for my payments. Nor have I been receiving receipts of online transactions since I have been locked out of my account. I call waiting for a Supervisor twice in which both times I was hung up on. All I need is documentation of my transaction even if they do not want to give me access to the account online. 

Acima Credit https : //www.acima.com/XXXX XXXX
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I urgently need Equifax to remove a XXXX account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to XXXX who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but Equifax has still not removed. I spoke to Equifax on the phone they told me I needed to reach out to XXXX in order to have removed quickly, I called XXXX XXXX says they need to have a dispute from Equifax in order to remove. Both are waiting in the other and I need those removed immediately. XXXX says no dispute has been entered from Equifax. However when I call Equifax, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (CA)

This was transferred to a 3rd party but has a specific balance of {$8100.00}, how can this happen? I see that no investigation has been conducted both from the bureaus and the companies. I am now seeking your assistance on this matter.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through Experian and XXXX to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both Experian and XXXX on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with Experian and XXXX with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

My husband and I have received repeated calls from HARRIS & HARRIS daily. We usually do not answer, my husband did. When he answered the phone, the debt collector asked to speak with the wrong person ( not my name ). We asked who it was and what the call was about and she said it was regarding a ticket from XXXX  in XXXX XXXX. She stated she was calling from Harris & Harris then asked to confirm address information which was also wrong and outdated. We confirmed the zip code of the address she had on file and the debt collector then read off her disclaimer that this was an attempt to collect a debt and any information used will be obtained for that purpose. We informed her that she was actually in violation of 15 USC 1692b ( Acquisition of Location Information ), in which she was required by law to identify herself, state that she is correcting location information, identify her employer and NOT state that such consumer owes any debt. We also informed her that we had not given written permission for any phone calls which was very inconvenient because she called repeatedly. 

She clearly violated my rights as the consumer and natural person.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (LA)

In accordance with the fair credit reporter act XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights15 USC1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TN)

To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized Equifax Mortgage Services to run my credit! Equifax mortgage services has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX  XXXX to run my credit! XXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (CA)

I was unknowingly and illegally billed by Experian credit monitoring for over 18 months. They refuse to refund the money while admit that I have never logged into the services. When asking to speak to a supervisor or compliance officer the request was refused. I have been unknowingly charged over {$500.00} in small increments over time and it is apparent that this fraud is rampant. Upon further pressing, the representative said I needed to write to the consumer relations office and physically mail the complaint to a P.O. Box. They would provide no phone, fax or email address. This is a clear attempt to make complaints challenging. 

When you call Experian the first option on the phone is to cancel the account. It is clear this is the case because of the high volumes of people calling to cancel unwanted or unknown services they are being illegally charged for. This is a terrible way to make profits on victims, not customers. As I have never once used the service, I deserve a full refund. This is very similar to XXXX, opening unwanted accounts without their victims knowledge. 

There is great irony in a supposed credit monitor service actively and knowingly committing fraud on consumers.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

I just called to open up a dispute. And the young lady never said my card was going to be turned off. This is the only money I have access to PERIOD. This is absolutely ridiculous. She asked if anyone else has access to my card. I answered no. I explained I wanted to open a dispute because I placed and order. Paid almost a XXXX to get delivered in 3 days. It's now 7 days. She never once said. My card was being deactivated. Understand I have not one dollar. All my money is on this prepaid card with NetSpend XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/22
Consumer complaint received 2017-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is a complaint against Bank of America. I recently opened an account with bank of america in branch for a small business account for a bonus of {$500.00}. 

The terms were as follows make deposits of {$5000.00} within the first 60 days and make XXXX in purchases on a new BofA credit card ( thus I should recieve XXXX ). I did both and I waited and waited. I made sure to go back into branch and was assured that I had met the terms of the bonus. I even called the bank directly, again I was told the bonus would post and no action was needed on my part. Multiple reps assured me that I had met the terms of the bonus. No bonus was forthcoming. I called today and was told that now after the fact I did not meet the terms of the bonusno clear explanation as to why the direct deposit I completed didnt count. When confronted on what others had told me the individual on the phone simply stated, I dont know what to tell you. '' An investigation was opened. ( I am not hopeful ). This is an extremely shady way to operate. Bank of America should pay out the bonus offer as specified. 

I will file a complaint with the AG office in my state of MA and send this complaint over to Senator XXXX office. This is outright deceitful to 1. tell me I met the terms ( when I didnt ), and then deny the bonus ex-post facto the bonus date had passed.