davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (MA)

This debt collection company has continuously sent letters to my home to collect a debt that they have yet to prove it belongs to me. I have responded to every letter they have sent me requesting a copy of the contract showing that I actually owe the debt. They have only provided copies of credit card statements and no contract. This has started since XX/XX/XXXX, I have been summon to court on XX/XX/XXXX which is very frustrating because I have to take time off of work for a debt that does not belong to me.
Consumer complaint received 2022-12-03
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 second-time requesting 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 items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX  ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance XXXX {$2700.00}
Consumer complaint received 2022-02-06
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I received an alert from XXXX XX/XX/2022 that Bank of America had accessed my credit information. 

I wasn't sure what to think of this, but then today, XX/XX/2022, I received a letter from Bank of America stating that I had applied for the Bank of America Premium Rewards Visa Signature card. 

The letter stated that the application was still under review because additional information was needed from the co-applicant on the application. 

I did not apply for a credit card from Bank of America, so I called the phone number provided on the letter to speak to one of their " knowledgeable credit analysts ''. The number listed was XXXX with an address of XXXX XXXX XXXX, XXXX, TX XXXX. 

I was told that the application was marked as fraudulent and that I should call the credit bureaus to report this fraudulent application with my information. 

The interaction with the representatives I spoke with seemed questionable, as they kept trying to confirm my information, get further information out of me, and were hesitant to let me speak with their superiors. They would not tell me the name of the co-applicant. In fact, they stated that they had no record of a co-applicant.
Consumer complaint received 2021-10-28
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: CNG FINANCIAL CORPORATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited a check for {$120.00} from my XXXX XXXX XXXX XXXX XXXX account into my Bank of America account on XX/XX/2019. For some unknown reasons, Bank of America pulled off the check, that's what I was told by Credit Union, because the funds was there in the account, yet Bank of America pulled off the check and returned it as unpaid.Now, on XX/XX/2019, Bank of America placed a hold on the same check # XXXX, then withdrew the funds from my Bank of America account, and charged me {$12.00} charged back fee, and that gave Credit Union the opportunity to charge me {$30.00} fee, even though the funds was available in the account. My question to Bank of America is, why did they extract check # XXXX from my BofA account, and also charged me {$12.00} charge back fee, instead of getting it from XXXX? Secondly, what happened to check # XXXX on XX/XX/2019, for it to be returned unpaid?
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to them last XX/XX/2022 and until now I didn't receive any response, it is over 45 days so now this is a violation of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was taken to the ER due to major medical complications due to XXXX. From XX/XX/XXXX thru XX/XX/XXXX I was hospitalized. I was released and all of my personal information drivers license social security card credit cards debit cards and my phone were missing ( stolen ) I immediately checked my accts and reported all transactions not authorized by me to my banks and credit card companies. Bank of America did not want to refund the money for the unauthorized transactions from the time I was hospitalized. My account and information was used fraudulently without my permission. Now I've waited the 10 business days and didn't receive any credits for money used and taken from my account. Please help XXXXm sick with XXXX I need to pay for medical expenses XXXX my rent is due and I can't afford things because my account was wiped out while I was on my death bed
Consumer complaint received 2022-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX they said on my credit reports XXXX and Equifax I was late 30 Days this car was total, they were in contact with my insurance company XXXX and my Gap both pay them off in 45 Days, they put negative on these to account, had this account since 2016 never missed a payment, no one told me at XXXX to pay a payment in between them waiting on the payoff between both insurance companies, need to change the wording on these accounts, never late, it's hurting my credit
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on PDQ SERVICES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-05-18
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. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2019 I spent 4 hours trying to reach customer service to freeze my credit, could not.

The recording said " If you don't want to wait online hit # 1 to leave a callback number.

I did so three times, each time I got a busy number.

I tried again on XX/XX/2019, after 4hours and 40 minutes I gave up, again I tried 4 times to leave a callback number, each time I got a busy signal.

This is unacceptable, there are thousands of complaints against Equifax.

Why are they allowed to do this?

Something needs to be done
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (MI)

My name is XXXX XXXX XXXX and I am trying to request the removal of PRO COLLECT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ) with the account number XXXX due to it's inaccuracy. This account is already paid and must be removed from my file. Also, the date or the year of the last activity does not match the payment history. Moreover, the payment history is incomplete and blank. This must be addressed ASAP.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (TX)

Recently I checked my consumer report and noticed a collection from a company I never contracted with nor have i extended any credit with or done any business with at all. They are claiming I owe an alleged debt that I do not owe. I am fully aware that my consumer rights have be violated under the FCRA and FDCPA and would like all information be removed from the consumer reporting agencies and cease all communication and attempts to collect alleged debt
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Equifax Credit Bureau reporting inaccurate information. I have disputed issues for over a year. To date, no fair resolution. 

Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

After reviewing my credit with XXXX, XXXX and XXXX XXXX I noticed the following : XX/XX/2021 my credit report shows Conn 's reported my account 30 days late. The account was paid off on XX/XX/2021, before the due date. The due date for payments were on the XXXX of every month. 
I have disputed this with the credit agencies and Conns mailed a letter to my residence stating clearly stating no errors have been located on their end ( letter attached ). 
I made a second attempt to Conn 's providing documentation of the account being paid off and according to the FCRA & FDCPA I exercised my lawful right to question validity of this debt and requested any negative inaccurate item ( s ) be removed within 30 days. 
Conn 's mailed a letter stating conflicting information from the first notice I received. 
The account was not 30days late.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The XXXX Reporting falsely Under XXXX XXXX XXXX  XXXX ( XXXX ) ( XXXX ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

I had a past due debt owed with XXXX XXXX XXXX  cellular services in the amount of {$1500.00}. I paid the debt in its entirety directly to XXXX in store. The manager at XXXX XXXX assured me that once the full amount of the debt was paid in full they would in turn contact the debt collector convergent outsourcing and advise them the debt was paid in full and instruct convergent outsourcing to remove the collection account from my XXXX and XXXX credit reoport. As of today both credit reporting agencies have refused to remove the collection account from my reports and when I called the collection company they advised I need to dispute with credit bureau. Neither company is willing to help me
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NH)

This is an error : Name Added : The name ( XXXX, XXXX, XXXX ) is listed on your credit report as of XX/XX/2019. 

My name is XXXX XXXX. XXXX, XXXX, XXXX is not my name and in fact it just looks like XXXX gibberish.
Consumer complaint received 2022-02-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (VA)

So I had this debt removed off my XXXX and XXXX report they couldnt verify the debit but they will not remove it from my XXXX account and its charged off they keep calling threatening to take me to court if I dont pay
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In the first months of the pandemic I lost my job and was unable to make on time payments until I found a new job. I paid my account in full and all my payments have been current since. I was told that no late payments would be reported. That has not been the situation. Please see Exhibits A and B which I have included in my complaint. These payments fall under the protection of the CARES ACT and should be reported as on time payments. 

The first company is Capital One ( Exhibit A ). 
The second company is also Capital One but for my Walmart credit card account ( Please see exhibit B ). All the information for my account and the companies reporting the inaccurate information are in the exhibits I have included as well as the months being inaccurately reported.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681, and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed from different bureaus but are still reflecting on my credit. The accounts to be removed are as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

For a few months now, I have been unable to access my myEquifax account. That is, I would enter my login information, but the website would immediately respond, " Please give us a call. '' On XX/XX/2021, I called Equifax Customer Care to resolve the issue. I gave my name, birthdate, address, social security number, email address, and two phone numbers. One number was my most recent and what I had updated my account to, and the second was the number I had begun my account with. Even though the agent stated that they were able to view my credit file, they still wanted me to go through a " Document Verification '' process via a link sent to my most recent phone number. This would involve me sending them pictures of my Driver 's License and / or Social Security card along with pictures of myself for " facial recognition. '' I was shocked that they were requesting such personal documents and, essentially, forcing me to consent to facial recognition, especially considering Equifax had a major data security breach just four years ago and there have been several data breaches this year. I repeatedly requested an alternate method for verifying my identity, but the agent refused, stating that consenting to the invasive process was the only way to eventually gain access to my account. Due to the agent 's unwillingness to provide a different method, I had to request a supervisor. While I was on hold, I used Equifax 's Account Recovery process. Fortunately, I was able to access my account this way by using the old phone number. Once inside the account, everything seemed fine. However, when I attempt to place a freeze on my credit, the website states, " Please give us a call. '' I am concerned because they are preventing me from protecting my credit, and I am in fear that they will once again request that I go through this invasive facial recognition process. It should be noted that even Equifax XXXX warns against the use of facial recognition software.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-09
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX 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 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.