davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (NY)

I have been a victim of identity theft since XXXX. Someone used my identity to open fraudulently many credit accounts, charged on these account without paying a cent. I have called all parties related to clear my name. It is very obvious that these accounts were not opened by me since they used addresses from California and I have been living in Kansas since XXXX. Also, the bad guy used one credit card to spend over {$9000.00} online purchase. If the credit company wanted to find out the truth, they could trace back to what address the online shopping items were shipped to. None of them were shipped to my Kansas address!! Someone even used a fake driver license ( with my name on it ) to open an account in CALIFORNIA! The bank accepted the fake DL without checking if that DL is legitimate or not! 
The bottom line is I called all the banks to explain my situation, filed police report, even sent my documents. I believe all the banks decided to remove the items from my credit accounts. 
BUT Experian still keeps them and still keeps my credit score low, claiming my bad credit history, which was, of course, due to identity theft! 
When I tried to dispute, Experian policy makes it almost impossible to reach. Experian policy dictates that if it is the result of identity theft, I must call, but when I call, I was placed on hold for endless playing of commercials. I can never get a human online. I used a pay-as-you-go phone. It always costs me to call around to clear my name and now I have to live with Experian 's poor service. Experian takes advantage of my vulnerable victim position. I believe such practice needs to have some consequences. Thank you
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (GA)

NCC Business # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
Consumer complaint received 2021-08-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CT)

Our lender Guarenteed Rate Affinity out of XXXX CT. They have been dishonest and deceitful during our home process. We were originally Supposed to close on XX/XX/XXXX and had to file an extension. Our lender communicated with our settlement attorney that they wanted to close within the first week of XXXX. It is now XX/XX/XXXX and we have been promised a clear to close at least 6 to 7 times by now. They keep promising us that were going to close but all we ever hear is that theres more issues and they want more things from us. The main issue was with my fiancs maternity leave pay. The underwriter is taking way to long and scrutinizing everything. I feel things have been disorganized. They have not given us a new closing date ever since the first one was missed. At this point we feel were forced to go through with everything because we risk losing our deposit {$5000.00}. We have expressed two very important dates since the beginning as we live in XXXX. And the house were trying to buy is in XXXX. My son technically start school this week but we have yet to know when we will get our house. Our lender keeps telling us that they have everything they need to then come back and tell us that they need more that the underwriter is scrutinizing everything. I do not feel we are being treated fairly. And when we ask for updates they are not getting back in a timely fashion and I feel that our time does not matter at this point to them. We are trying to apply for the XXXX  program which we were told we met and even paid off a good amount of debt to make sure we qualify to then be told that we may not qualify possibly. We are being given too much mixed information. This is caused our family stress, medical issues with myself, and we have missed work. We just want answers and help. Not sure where to turn.
Consumer complaint received 2015-09-14
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

For the past 4 months, my mortgage company has returned payments for XXXX accounts I have with them because there was a past due amount that I did n't know about and therefore my payments were not enough to cover. I spoke with a rep with the mortgage company on XXXX XXXX to try to come up with a plan to get caught up. We set up a 5 month payment plan, verified the first payment amount, and he made sure I had the receive code to send the first payments through verified funds. When I was having trouble sending the payments, I called OCWEN and was told that the payment plan was not actually set up, that a manager call back was scheduled ( that I was not told about ) and that both properties are now in foreclosure status. In addition, there has been someone going to the property I rent out and harassing my tenant, telling her about the mortgage being behind, and telling her they would go out there every month until the debt was paid.
Consumer complaint received 2016-03-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Bank of America in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with BOA in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with BOA in XXXX XXXX.. 
When ex wife over drew BOA checking account in XXXX BOA activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. BOA sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of BOA letters about the overdraft account, my first knowledge about the problem, I went to BOA in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. BOA told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate BOA account in XXXX XXXX, Bank of America made no arttempt to notify me at my XXXX address. Bank of America just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem BOA refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































fl boa
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: Experian Information Solutions Inc. (FL)

bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

4. Validate Account US DEPT ED Account Number : 4694**** Please remove it from my credit report.

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-23
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. (PA)

Despite the multiple previous written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,689-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I file a dispute on XX/XX/XXXX to dispute bankruptcy. They have not provided any info to me and ita been 30 days. I sent letter certified and notarized. Thier failure to respond to my inquiry in said amount of time is a failure on thier part and therefore the bankruptcy needs to be immediately deleted. This is unverified, innacurrate, and must now be deleted without further delay
Consumer complaint received 2022-02-14
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. (MS)

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (AL)

XXXX XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on XXXX different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want Wells Fargo Bank XXXX to be notified too because they are the Mortgagee company
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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.
Consumer complaint received 2021-06-13
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been challenging this negative account for a year. On XX/XX/XXXX I sent in a dispute asking for an investigation in reference to the account after 45 days. I received a copy of the credit report that the account was verified as accurate. After reading the laws there was no way they did an investigation and the account was reporting accurate. So, I sent in another letter in XX/XX/XXXX disputing the Date Last Activity which is reporting inaccurate and erroneous information XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, Date Last Activity came back verified. I disputed the High Balance XXXX  {$4700.00}, XXXX  {$0.00}, XXXX  {$4700.00}. this came back verified. I disputed the last payment XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. this came back verified. the Credit limit was disputed XXXX  {$4000.00}. XXXX  {$4000.00} and XXXX  -. The Account close date XX/XX/XXXX per XXXX  and XXXX  and XXXX  not reporting a close date but still reporting CO in the 2year payment history.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America A man Called me XX/XX/21 at XXXX about debt collection claiming to be from XXXX XXXX XXXX XXXX. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with Bank of America, he claimed to be a manager from XXXX XXXX. He said they would take XXXX today and i would have to give the remainder by the XXXX Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

Please help.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (OH)

Law firm is using illegal practices to collect on debt. Has not provided original documents and they are not the original creditor to my knowledge. Around XX/XX/XXXX, I received a call from an unknown number. They claimed to be collecting a debt in my name but did not even say the name of the firm when I returned their call. I told them I had no recollection of the debt, especially since it was from XXXX. I asked for proof to be sent to my home. We set a date and time for the courier and they assured me that they would more than likely be able to deliver paperwork during that time. I even scheduled time off of work to sign for the paperwork. After the day came and no one showed, I realized that they failed to confirm the address on file for me when I spoke to them. The address that they have for me, I have not lived at since XXXX. This resulted in me not seeing documents until they were served to my place of employment even though I expressed willingness to pay once I saw the documents and was sure that it was not a scam since the alleged debt is all the way from XXXX. This was clearly done on purpose since they only had until XX/XX/XXXX to garnish me.They lied about obtaining signatures on certified mail and I am citing improper service and will be taking other steps to remedy this. They have never provided me with the original paperwork from the alleged creditor
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that's been asked I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with this bureau 40 plus days ago and havent received anything. Correction I did get a letter from XXXX telling me that they were not going to investigate because they believed that I used a third party, I did use a third party " THE CFPB '' which describes how you are suppose to style the letter and the dispute. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors. Each Time that I have called the Bureaus they seem to act as if I need to start the process all over again. I have read the CFPB guidelines and the XXXX XXXX don't seem to care about the rules. XXXX XXXX you are the final help in what millions of Americans are up against please stand your ground make the XXXX XXXX accountable for their sloppy performance.
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

In XX/XX/XXXX XXXX credit card services experienced a system data breach. My credit card account was one of many accounts hacked, and fraudulent charges were made on my account. XX/XX/XXXX closed my account, and I was told, I owed nothing, because of the fraud. XX/XX/XXXX eventually sold this account, as junk debt to Midland Funding, LLC. In XX/XX/XXXX, I began receiving notice via U.S. postal mail collection letters from Midland Funding, LLC, demanding payment of the $XXXX balance, that was cancelled by XXXX XXXX, because of the fraudulent activity. I explained to Midland Funding, LLC representatives, that I did not owe the balance, due to the fraudulent activity, that XXXX closed the account, and waived the balance due to fraud. Midland funding, LLC went through a local small court to get a Default judgement on the account in XXXX XXXX. I sent Midland Funding, LLC a cease and desist communication notice with respect to the debt, because I did not owe the debt, and was not going to pay.In XX/XX/XXXX, the Consumer Financial Protection Bureau, entered into a consent order with Encore Capital, which Midland Funding, LLC, is a mentioned subsidiary of Encore Capital in the consent order, which required Encore Capital, and it's subsidiaries to refund payments, or stop collection efforts on credit card accounts, that were disputed by target debtors, and subject to illegal debt collection tactics.Midland funding, LLC is still using illegal and deceptive collection tactics to try and collect this debt under the default judgement from XX/XX/XXXX. Midland Funding, is underhandedly using employment, and payroll services like XX/XX/XXXX/ XXXX XXXX XXXX, to find my current employer, and use underhanded, as well as questionable tactics to implement payroll garnishment of my wages. The amount Midland Funding, LLC, is now trying to collect $ XXXX based on the XX/XX/XXXX, default judgement on this account. This is totally wrong. I do not want to have to file bankruptcy, just because of a breached data system account, that incurred fraudulent activity, because of the data breach, that XXXX   XXXX dismissed because of the fraudulent activity. I definitely, can not afford a wage garnishment of 25% of my disposable wages, which would force me to file bankruptcy, the stop a garnishment. I need your help, in getting Encore Capital / Midland Funding, LLC to abide by the consent order, which required them to refund payments, and cease collection efforts on these disputed credit card accounts, using illegal debt collection tactics.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (FL)

This was an issue involving 3 parties : A fraudlent app XXXX who is the platform where such app is offered Chime the financial institutution unable to protect its customers from this type of activity Merchant : XXXX XXXX Total disputed : {$95.00} Through XXXX I had multiple small recurring charges from an app called " XXXXXXXX XXXX XXXX I tried contacting the app developer, XXXX and finally Chime. 
I have reported the app after XXXX didnt solve my issue, and my last resort was the institution that allowed such charges to be place : Chime. 
However it didnt surprise me when my claim was denied, since they put extremely minimal effort investigating their customers claims. 
I had 3 major issues with Chime and none of them with a satisfactory outcome. 
This company must be held accountable for their customers transactions ( specially the unathorized ones ) I regret giving them any business as they are not worthy of it.
Consumer complaint received 2022-07-06
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. (TX)

There are several negative remarks including my private nonpublic information on my report that I did not give express written consent to be furnished. These remarks are inequitable to my financial reputation and is negatively affecting my right to conduct commerce.