davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

In XX/XX/year>, I FIRED XXXX XXXX for poor service and incompetence. 

They tried to collect {$50.00} for service disconnect. I objected as it was not spelled out in any documents I had, and I had FIRED them.

They put my account in collection with Eastern Account Systems. 

I spoke with XXXX and requested the case go to arbitration, per their terms. This is now pending a date.

I contacted Eastern to tell them this was out of their hands until arbitration efforts were over. 

Nevertheless, they have contacted Credit Bureaus ans filed a debt collection complaint, which is a lie.

My FICO is above XXXX so they are creating an annoyance. 

I want Eastern to BACK OFF, as it is currently none of their business.
Consumer complaint received 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

I was a victim of Identity theft close to 2 years ago. I got a message that I had an account with XXXX XXXX XXXX. I called them at the time and advised that I made no such account and that my identity was stolen. I had sent them a Dispute letter to the company for XXXX as well as a FTC notice to Furnishers as per the FTC ( reference number available it needed ). I have called multiple times to XXXX XXXX XXXX and got confirmation of no account however I was called by a debt collector ( Sunrise Credit Services ) about a debt. I have not received any paperwork and a single call and as such I thought this was a scam. I went on vacation and came back to find that my credit score has dropped more then XXXX pts due to this collection. I have placed a freeze on all credit accounts. I would like to have this removed and for Sunrise to send by certified mail the identity theft documentation and demand that the collectors retract their reports to credit bureau 's.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On multiple requests, Citi has refused to give us credit on one of our four {$1500.00} payments. We have spent too many phone calls and too many hours each call tried to solve this. Multiple occasions our case was opened and denied. There were 4 payments of {$1500.00} made in XX/XX/2019 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), only 3 credits were given to us, after we spent long hour on matching the credits with each of our payments from end of XXXX to mid XXXX, we found out that the MISSING CREDIT of {$1500.00} is for XX/XX/XXXX payment, and the reversal of a Conditional Credit of {$1500.00} was the mistake. So the 2nd Fax we sent to them is clear enough to point out their mistake, we have provided very detailed documentation and explanation. 
The problem is that Citi reps are NOT reviewing the info we sent in via Fax. Proof is this last conversation we had to force the rep to open it and review our bank statements and it was clear from her that she has never viewed them before. We are very tired of them holding our {$1500.00} and refused to give us back. Each phone call takes hours with NO satisfactory solution. The problem happened in XXXX, and now is already XXXX. We sent the 1st Fax per their request, but they couldnt find the problem and the unsolved issue remained. We sent the 2nd Fax ( 5-page fax ) on XX/XX/2019, they didnt open and review the Fax until today, XX/XX/2019.
Consumer complaint received 2017-08-12
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. (IL)

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...
Consumer complaint received 2020-10-12
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 (IL)

On XX/XX/2019 My son XXXX XXXX contacted his auto loan holder Capital One Auto Finance to inquire of options to help him keep his account current and in good standing. He knew he would have difficulty making his XXXX payment. When he spoke with Capital One Auto Finance representative she suggested a " catch up plan '', this plan would take XXXX payment and spread it out over three months to keep his account in " good standing '' and that his vehicle would not be in jeopardy of repossession providing he made his payments as agreed. With this arrangement he made his payments as agreed. What the representative failed to do disclose was that this arrangement would be reported negatively on his credit, and my credit since I am the co-signer. The representative did not read a disclosure, and when I called to dispute this reporting I was informed that the company has no disclosure stating such to read or share with the consumer. I have disputed this reporting on XXXX  with no resolution. I believe that this negative reporting should be removed due to the failure to properly notify the consumer. Capital One Auto Finance 's own policy lacks the forthcoming information necessary to comply with the Fair Credit Reporting Act due to no disclosure. I also feel that this is a contradiction to the Good Faith requirement between lender and borrower.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (CA)

The payment for the loan payoff to XXXX was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and XXXX still reported my loan late 2 weeks later from the email they sent me.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, XXXX, and TransUnion are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TX)

Placed an order. The store cancelled it on XXXX XXXX because items were no longer in stock. Money was never refund in my account. Called store XXXX XXXX was told refund had processed to bank account. Made claim with simple bank on XXXX XXXX. Provided documentation return receipts to bank on XX/XX/XXXX. Its not fair I should wait 90 days when I provide proof and Im the consumer. The company didnt have to wait 90 days to draft anything from my account. I recently lost my mother and job in this pandemic. And am now XXXX XXXX XXXX and could use my money to get things that my family needs. This situation with this bank account has been the last straw and I now have to go to counseling to deal with XXXX  XXXX and XXXX  due to XXXX XXXX, which I have documentation from my doctors. This not the first instance where this bank havent processed my refund and expect me to wait 3 months time to get my money back. And thats not fair. Worst bank ever everything they do is slow and based on their time and is not in the best interest of the consumers.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (FL)

I submit the application online for new check in acct, I got a message saying I need to call the XXXX number, I called spoke to XXXX XXXX, I am asked to send my identification, I send it. Then I am told I need to go to the branch. 
Is this bank serious? What type of service is this? Is this how XXXX treats its customers? Or prospectives? 
Its unacceptable. 
Ive open with several banks in diff years, never had this issue. 
I want the bank to correct it and let me open it virtually. There is no reason why it should be other way. There why you have a process to send documentation.
Consumer complaint received 2020-07-08
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. (IN)

I sent a dispute letter into Equifax advising them there were alleged accounts that were showing on my credit report showing false and misleading information. All the banking institutions showing on the report are FDIC insured banks. Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), prohibit them from lending their own money from their own assets, or from other depositors. So when they are claiming there is a debt that is owed to them, this is false and misleading. Equifax supposedly did a verification, but has not been able to prove the actual alleged accounts. I believe the information above proves there is no way that any of these alleged banks lent anything of value that they would 1. Have a claim too and 2. Be the creditor, because they legally can not lend their own assets or other depositors money. There are also court cases as such : The United States Supreme Court and the lower courts have long recognized that the banks can not loan credit.In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX Bank v. XXXX XXXX XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I made a final payment agreement with Midland Credit Management ( MCM ) by making a payment of XXXX on XXXX from my banking account. They agreed that they would report to the credit reporting agency that debt was settled for less and closed. MCM has not upheld their agreement by reporting to the 3 credit bureaus correctly. I have copies of the letter. XXXX I contacted MCM to advise it has not bent properly updated. No one would assist. I reached out to XXXX  reporting to them that the account read incorrectly and sent copies showing debt was settled. XXXX  states they contacted MCM and was told that the XXXX balance was correct, account is still open and only updated the date of payment for the XXXX made on XXXX. I called MCM back because court records show that MCM closed to small claims court case on XX/XX/20 as a dismissal since payment was made and check cleared. Still no solution and my credit reporting is incorrect 4 months later. MCM viewed my credit credit report activity constantly and used that information to take me to court demanding payment for a file they purchased from another vendor. Called my line and sent numerous letters the least they can do is uphold their end of the deal and update my report to reflect the proper status
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc. (CA)

I had identity theft and I reached out to this company and explained the situation and they asked me to send in documents I sent in everything that was requested plus more to show them this really is not my account. They responded by saying it is my account and Im responsible for paying in. I then requested their legal department info and they said they can not give it to me. These types of companies think they can do say whatever they want to us and its ok. Even though there violating my FCRA rights.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I paid {$690.00} for a XXXX XXXX XXXX to XXXX XXXX on - line. As soon I I sent payment they started living to me about sending my contract. Then I asked for them to cancel the transaction and refund my money. They still haven't sent me a frefund or responded to any of my requests.
Consumer complaint received 2023-01-30
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. (WI)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-30
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)

I have sent out numerous letters to the credit bureaus, XXXX, Equifax and XXXX in regards to an account that is listed on my credit report. I simply requested for them to perform an investigation to confirm the validity of this account. The account in question is also being reported inaccurately with all XXXX bureaus. Each of them are stating different information on the date last reported as well as in the payment history. After months of sending them letters they have only sent me back a generic letter or so stating the account was verified as accurate. This is simply not true. I have attached reports from all XXXX bureaus that I pulled yesterday proving that they are lying. How can they all have different information and the account be proven accurate? It can not. Not only that, but I never even received the required notice of dispute in the mail and from what I understand is a violation of my rights under the FCRA if I do not receive this letter once a dispute is entered. Letters were sent out XXXX, XXXX, XXXX and XXXX respectively. I have also attached copies of these letters for your records. I do not believe any formal investigation was done because the errors on my report are clear as day. This has been a total nightmare and financial burden for me. I would like to have resolve on this matter ASAP. Thank you.
Consumer complaint received 2023-02-15
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. (TX)

On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, Equifax and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Johnson Mark LLC (UT)

I receive social security XXXX funds in my XXXX XXXX account. My only source of income. This debt collector has illegally collected social security funds from my account. Attempting to debit my saving because they know the source of my income is XXXX which my social security money automatically transfer money into a savings account. It is illegal for them to collect social security funds from my account because it is the source of my savings. This is my only source of income in my accounts. I will seek litigation with an experienced attorney if I do not receive all of my money back. Additionally i have knowledge of this debt.
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX 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 instructions
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student  loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Consumer complaint received 2017-08-12
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. (MO)

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted XXXX in regards to my XXXX student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact XXXX they show this are loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Consumer complaint received 2023-01-30
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)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world