davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (AZ)

I have contacted National credit systems on multiple occasions Ive contacted XXXX and XXXX as well I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also sent communications to their email as requested at XXXX XXXX XXXX, XXXX and XXXX. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in Georgia only Illinois and Arizona please investigate this read the police report and remove this from my credit reports. I called law offices at XXXX XXXX XXXX she states it should not be with them but national credit and the process would start over I am trying to purchase a home and this is preventing my loan approval this was not me o an a victim of identity theft also the attorney office stated there is no cfpb complaint on file for national to answer to but I can see in the portal on XX/XX/31 it was sent and they have yet to respond
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In XXXX with XXXX XXXX act XXXX Account # 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 instruction
Consumer complaint received 2023-08-11
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. (GA)

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 XXXXXXXX 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. 
XXXX XXXX all
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

On XX/XX/XXXX at XXXX I received a phone call. Gentlemen asked for me by name. I asked who was calling. He said his name and the company too fast to understand. Ask him to repeat. He repeated it slower and I was able to understand. I dont remember his name but he was calling from diversified consultants. I never confirmed or denied I was the person he is looking for nor did I verify any personal information. I simply said how can I help you. He proceeded to tell me he was calling from a 3rd party debt collector for XXXX and I owed {$140.00}. I ended the call. He gave out information regarding a debt to somebody who could have been a total stranger to the person he was looking for. 
On XX/XX/XXXX at XXXX I received another call. I said you have incorrect information and was hung up. At XXXX on XXXX i received another call. I was not very polite but told the lady they already called and talked to some one that day and couldnt call again. She said they could call up to 3 times a day and they didnt call. I told her they could call 3 times if times if a message isnt left or they dont talk to anyone. She repeated they never called that day and was angry I was rude to her and hung up. 
On XX/XX/XXXX i received a letter in the mail. It states they are collecting a {$140.00} debt from XXXX. I have contacted XXXX. They have no record of me owing this debt.o have not contacted diversified consultants yet because of poor reception but plan to tomorrow. 
They are attempting to collect a non existent debt, violated privacy laws, and made repeated phone calls in one day.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. ()

Holder of a savings account and a checking account died in XXXX, Massachusetts. The widow of the decedent filed probate and was appointed Personal Representative of the Estate, and requested of Citibank, N. A. that the accounts be closed. Citibank said they did not exist. We sent to them their own correspondence with the account numbers. Citibank then requested a notarized letter of instructions, to close the account. That was sent. Citibank has repeatedly asked for the same items sent to them several times, promises action when called on the phone, and the only response is another form letter. Citibank after saying the account did not exist, sent a letter saying that we had to act as otherwise it would be treated as a dormant account and apparently go to the State In response to my sending the package of back information and copies to the Director of Operations Support on XX/XX/2018, I received a letter dated XX/XX/2018 requesting a copy of the English translated death certificate, foreign letters of testamentary and a notarized letter of instructions, with an attestation from the United States Consulate. I called Citibank to remind them that this was a death and a probate in Massachusetts, was told that an account representative would assist me, and was left on hold for about 28 minutes until I realized that no one was going to pick up the phone.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (CT)

Remove XXXX XXXX XXXX XXXX they are reporting this in my report. this should be removed from my report since XXXX the statue of limitation has been exhausted
Consumer complaint received 2023-08-11
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 the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. XXXX XXXX  account # XXXX 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (NJ)

On XX/XX/2018, I ( XXXX XXXX ) ordered an official cashiers check at a local BB & T branch located at XXXX XXXX XXXX XXXX XXXX, SC XXXX. The check was made out in my name ( XXXX XXXX ) for XXXX XXXX XXXX XXXX XXXX and XXXX cents ( {$2100.00} ). I requested this check on my own accord because I planned to close my account at BB & T and place the remaining funds into my XXXX  XXXX savings account. I endorsed my name on the back which is verified by the scanned images attached to this document. On XX/XX/2018 the check was electronically deposited by my mobile device into my XXXX XXXX Savings account. Please refer to Attachment No. 1 scanned document of the cashier check. On XX/XX/2018 my XXXX XXXX savings account had an adjustment debited for the amount of {$2100.00}. Once I was made aware of this I had started my own investigation process to determine where the funds were transferred to. 

On XX/XX/2018, I met with BB & T Branch Banker XXXX XXXX to discuss my account issue and to determine where my funds have been transferred. After XXXX XXXX research, she informed me that the funds had been physically deposited a second time to a XXXX XXXX XXXX location in XXXX, SC. The account belonged to an individual that opened the account at XXXX XXXX XXXX location in Virginia. Under XXXX XXXX recommendation, I filed a police report with the XXXX XXXX Police Department. I contacted an investigator at XXXX XXXX and informed them of the situation. XXXX XXXX launched their own investigation into the account and sent a copy of the second deposited check with alterations made to the bottom of the endorsement line. Please refer to Attachment No. 2 scanned document of the altered scanned document. 
The check was taken from my possession and wrote a Pay to ( Person 's Name ) description with a signature under my own endorsement. This was conducted without my knowledge or permission. I requested that BB & T and XXXX XXXX banks investigate the matter and have received no attention or concern.
Consumer complaint received 2019-04-09
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. (MS)

XXXX is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with XXXX. The account XXXX is NEGATIVELY reporting DOES NOT belong to me! 

Experian has lowered my credit by 12 point, thus changing my creditworthiness!
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC (IN)

On XX/XX/XXXX I called to extend the payment as my Social Security benefits come once a month. I was told they could not extend the payment to the date I receive my check because I had extended a payment already. This is their policy. I have never received anything from them stating this. My automatic withdrawals are twice a month on a XXXX balance and are charging XXXX with each payment of XXXX this is 2 times a month and I can not reduce the balance.
Consumer complaint received 2019-04-09
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. (NC)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-08-11
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. (CA)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX  upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Failure to produce any legal evidence or verification for the alleged debts, and is currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The company XXXX XXXX DBA GENESIS XXXX listed here is trying to collect Over {$21000.00}. From a lease In Washington That I have no knowledge of I was sent over XXXX fake leases from this company, and they have reported this on my XXXX and XXXX report. this is a fraud account and will like this removed from my all-credit reports.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Southwest credit systems is reporting a debt on my credit report and I never had a account with this company please verify this information with the original contract signed if this information can not be provide please delete all inaccurate information also please fill out attached documents and return then.
Consumer complaint received 2019-04-09
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)

The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX/XXXX Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX   Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX/XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX/XXXX  Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AL)

In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I have a XXXX year old debt that I no longer owe. I confirmed with my doctor 's office and received text messages that I only owe {$77.00} however 2 months ago my balance jumped to {$2900.00}. The doctor 's office does not even see that balanced owed, the collectors has been aggressively calling from different numbers every week for the passed few months.
Consumer complaint received 2019-04-09
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 had 3 of an identical hard inquiry on my TransUnion report and after many calls finally talked to someone that was able to remove them, but one of them still remains. 
XXXX CA XX/XX/2017 There is also another one that is on my report for XXXX XXXX and that shouldn't be there either. The date for the inquiry was XX/XX/2017. 

Both of these are not something I authorized
Consumer complaint received 2019-04-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc. (KS)

This company ( midwest service bureau ) contacted my husband first about some medical bills. He offered some sort of payment option, the lady he spoke to refused and said she would only take the whole amount and nothing else. ( She also asked him why he went to the doctor if he couldn't afford it anyways! ) I called her back because i couldn't believe they were refusing any sort of payments. When i talked to her i offered to put XXXX   down and pay XXXX  a month, which she refused and told me she was going to write down that i was refusing all of the options she gave me! My husbands bill was XXXX, now i have made several payments towards that account and she still calls me saying she is going to start garnishing mine and my husbands wages.
Consumer complaint received 2018-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: US Military Loans, Inc. (NC)

Good afternoon, XX/XX/XXXX I finance the car the US military loans. At the time of financing the car I was told I would be able to take the car back to the United States when PCSing. I am being sent to a warrior transition unit due to injuries I sustained during XXXX XXXX in the military. I emailed US military lawns asking permission to bring the car to my new duty station. I was told by XXXX XXXX that I would need to sell the car back to the dealership that I purchased it from and I wouldnt be allowed to bring the car with me. I have never missed a payment or been late. XXXX  reasoning for not allowing me to bring the car with me is because of my DEROS this was not part of the contract. I sold the car back to deal at a lost of XXXX. I also put down XXXX at time of purchase I would have almost paid off all of the car after paying all this including my payments I have made. I want us military loans to refund me the XXXX down payment and pay off the remaining balance as they didnt honor their contract. I cant afford this I have to purchase a car now so I can get to medical treatment for my injury. I cant believe a company for the military would treat a XXXX like this.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.