davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (TX)

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN ODA XXXX XXXX FRADULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (TX)

I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

There is an eviction on my report listed with the XXXX General District Court in XXXX, VA. The landlord is willing to write that this is an error on my report and should be taken off. When I call Experian XXXX XXXX  to ask how to do this, they say they can't see it and they can't help me and to ask the 3rd party company that does the credit checks, called XXXX XXXX. BUT I have a hard copy that shows this on a 3rd party credit check company that my new landlord used called XXXX XXXX. XXXX XXXX will NOT talk to you and says you have to talk to Experian as this is where the info is pulled from. I am going around in circles. This is completely UNFAIR and I need help asap. Thank you!
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

XXXX payments were made to Carrington, both payments came from bill pay with name and address and account number for XXXX and XX/XX/2022. Carrington improperly posted the payments. XXXX XXXX XXXXXXXX has presented documentation to correct this issue. Carrington sent me information correcting the posting of the payments. Carrington also, notified me that my credit would not be affected. I have tried to refinance getting a low locked in rate which carrringtons mistake has prevented. I have been notified that all three credit bureaus have late payments for XXXX and XXXX of 2022 for the same account which was wrongly accused of late payments, causing financial hardship. With interest rate rapidly rising carringtons mistake will put me in a unlivable financial position. I need this mistake corrected within 24 hours to secure my rate.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America decided to close both of my debit card account and credit card account without notice. 

I tried to log in into my BOA app but failed on XX/XX/XXXX. I called them for the reason, they just told me they had the right to close my bank accounts without reason and notice. ( Actually the letters from BOA I received 2 weeks later this call said that the reason is I had irregular transactions, I checked my spendings, and that transactions should be my two payments to a XXXX shopping website-the most famous one. ) I had no more chance to open another debit card account eternally.

It took me around 3 hours to talk with the debit card and credit card department on XXXX XXXX need to wait for 2 weeks for the balance of debit card. And I went to BOA to pay the money I owned in my credit card account on the same day. 

But I couldn't get back my cash back rewards ( around XXXX dollars ), the lady from customer service department made a claim for me on XX/XX/XXXX, she could not click the " redeem '' button since it was frozen. She told me the back door office would deal with my cash back rewards and send it back to me in 4 weeks. Yesterday XX/XX/XXXX, I received a letter from BOA without any contact information, it is said that I couldn't get back my cash back rewards because my account had been closed. That is not me who made this decision without notice - made me had no time to redeem my rewards. I called BOA again, the customer services twice, benefits department, and another one, I had been transfert three times and finally no one could help me to get my money back. 

It is indecent to keep a former client 's money in this way. I only want my own money back to me. 

I filed a complaint on XX/XX/XXXX on CFBP, then I received a email from regulatory complaint department of BOA on XX/XX/XXXX. I tried to contact this department with the phone number they gave me 6 times, but the extension number could not be recognized. 2 hours of calling to BOA later, but nobody knows how to contact their regulatory complaint department. I have no way to contact BOA to have my right back, that's why I submit the second complaint right now. 

I will use whatever I know in the legal way to get my rights backs until I get the solution.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a derogatory mark on my credit due to the following issue that never should have been sent to this agency : I am writing to submit a claim against XXXX XXXX XXXX XXXX in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX XXXX located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days later, I haven't received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (PA)

I contacted Property Manager XXXX XXXX on XX/XX/XXXX via email ( attached ) and requested to go to a month to month lease, XXXX. She agreed in the return email to XXXX starting XX/XX/XXXX. I had a 3 month lease previously signed but Ms XXXX agreed to change to XXXX since the 3 month lease had not gone into affect. Rent was paid for 2 months and we moved out XX/XX/XXXX and dropped keys in office the following week. 
The management main office did not accept their agent 's word on this matter and want to charge me an additional months rent for the prior 3 month lease I had signed. 
I sent all this into to the main office and they claim the 3 month lease is the one on file despite the fact their Property Manager agree to the XXXX   I feel they owe me the security deposit- carpet cleaning= {$170.00} They claim I owe {$1800.00} for last month and utilities for that month even tho I had all utilities terminated and paid in full They have hired XXXX XXXX to collect debt. XXXX XXXX is calling and threatening my credit constantly. Even called my boss ' cell phone
Consumer complaint received 2022-02-22
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. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While showing that my mortgage is an individual account, the remarks " In chapter XXXX bankruptcy ''. 

I am not, nor have I ever been, in bankruptcy. I contacted opened a dispute with Transunion. The dispute shows that the lender, XXXX XXXX XXXX, confirmed that the information is correct. Please note, it is not. That is supported by NO other creditor marking any late payment or bankruptcy. There WAS NONE.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I have wasted 3 hours today trying to cancel Experian Credit Report. 
The only option they give to cancel is via phone, and this is automated. 
I tried and tried and tried, and when I finally got through they said I didn't have an account with them. 
All I wanted to do was to cancel my monthly subscription of {$31.00} which is coming out of my XXXX card. 
So I called XXXX, and asked them to cancel it, on the grounds of not being able to cancel it is in fact fraudulent. So they then also tried and tried and tried to get through to XXXX on my behalf, but also couldn't get through. They as well became very frustrated. 
In my view, this is criminal, and should be illegal, to make it impossible to cancel a monthly service! 
I seek your help please. 
Thanks
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

On XX/XX/2021, {$7600.00} was fraudulently withdrawn my M & T checking account. On XXXX XXXX, I went into the branch to fill out an " XXXX  XXXX  XXXX. '' While in the branch, it was determined an electronic check was created, and cashed at a XXXX Bank, unknown location. On XX/XX/2021 I went into a local branch of XXXX Bank to see if they could help with this. They provided limited information. On XX/XX/2021 a second attempt to withdraw money ( this time {$28000.00} ) was denied by the bank as a " no debits on the account '' was placed. On XX/XX/2021, {$7600.00} was deposited back into the account. 
On XX/XX/2021 the NY XXXX  Police XXXX XXXX barracks took a report from me re this situation. Report # XXXX. On XX/XX/2021, the {$7600.00} was taken back out of the account. When I inquired with the M & T branch as to why, I was told it was done by XXXX Bank as the transaction is not considered fraudulent. I was referred to XXXX Bank, but when I went to the branch no assistance was offered, all questions unanswered, referred back to M & T. M & T told me in XXXX that this is an open investigation. The local branch can not ( or will not ) provide me with some division within their company as to who I may consult with this. The NY XXXX XXXX XXXX assigned to the case stated to me he has met with much resistance from XXXX Bank re this matter.
Consumer complaint received 2022-12-02
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: Coinbase, Inc. (CA)

Coinbase XXXX XXXX XXXX : On XX/XX/2022 I made a purchase at a restaurant for {$48.00}. Coinbase has continued to hold {$140.00} ( Coinbase lists the charge as pending ) which has resulted in 6 Declined Charges to my card since I have been unable to access the {$97.00}. 

I have contacted Coinbase numerous times and not only have I been directed to out of country service reps who don't know how to handle the situation, when it gets escalated back to the US team they point back to the retailer ( Coinbase will not take phone calls in the US ). The retailer has provided me proof that they submitted to Coinbase the charge for {$48.00} and NEVER hold extra amount over the charge as a matter of policy. 

This amounts to theft of {$97.00} by Coinbase and at least 10 hours of time, duress, embarrassment, pain and suffering, emotional distress and general XXXX The retailer can not understand why this banking group has a hold as they DO NOT hold funds like this.
Consumer complaint received 2022-02-22
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)

Someone used my name to try to get a student loan. I did not give anyone my information to apply for a student loan. It hit my credit really hard and took my credit score down. I am not applying for a student loan. through XXXX XXXX. I need this looked in to and removed from my credit.
Consumer complaint received 2024-02-13
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Someone stole my identity and obtained credit in my name without my knowledge. Please help me remove these accounts off my credit report I attached documents and I will also list some below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ERC (NJ)

On XX/XX/2019 i received a phone call asking me to pay a debt for a cable bill that i never had. I ask if they can state my whole name and my address. The customer service rep would not answer my question. The customer service rep was very rude telling me that they were going to take legal actions for the amount of {$340.00}. I continue to ask to provide any information and the rep would not. This is un professional and i need proof of this account. I have NO KNOWLEDGE!.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

My last payment to XXXX XXXX was, by their records, XX/XX/XXXX. Therefore, the account would have been 30 days late on or about XX/XX/XXXX. They did not charge-off account until XX/XX/XXXX. My date of first delinquency should have been the date I made my last payment ( XX/XX/XXXX ) and should be erased from my credit report. XXXX XXXX is using the charge-off date XX/XX/XXXX ( almost one year after I made my last payment ) as the date of first delinquency, and therefore this negative account is scheduled to remain on my report longer than it should. I have disputed this repeatedly with Equifax and XXXX XXXX, providing both the account payment history XXXX XXXX provided me.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX / XXXX / {$3400.00} XXXX XXXX XXXX / XXXX / {$610.00} XXXX XXXX XXXX/ XXXX / {$840.00} XXXX XXXX XXXX / XXXX / {$15000.00} XXXX XXXX XXXX XXXX {$940.00XXXX XXXX XXXX XXXX  / XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  Original creditor : XXXX / XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / {$610.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

So I lost my job during Covid so o reached out to this company macys about this so that I would accumulate interest on this account. I owed a total of XXXX dollars on this account. Now the bill is XXXX which mean XXXX hundreds of that is interest. I am still not working at this time but I was able to get my hands on XXXX dollars that I tried to settle with them. And they denied the settlement. I am still not working and barely being able to cover the bills at home to keep a roof over my head still with Covid going on. They continue to call me even when I tried to settle this account.
Consumer complaint received 2022-10-07
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.