davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
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: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I finally received a copy of my XXXX report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically XXXX has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

XXXX XXXX then would not allow me to dispute this and other inaccurate information contained in my credit report. XXXX said I had to provide proper identification. 

To obtain said report I sent XXXX a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

XXXX refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against XXXX and XXXX XXXX who reported this name in error in XXXX, XXXX, XXXX. XXXX 's sent XXXX several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both XXXX XXXX and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
Consumer complaint received 2019-03-08
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. (NC)

I had a collection account with Midland Credit Management, regarding an old credit card balance for {$2200.00} from XXXX XXXX XXXX. Midland told me that if I paid them {$1000.00} to settle the account, they would take the account off of my report. They said that they could completely delete the account, because it was over 3 years old. I  sent {$1000.00} to Midland through XXXX XXXX on XX/XX/XXXX. As of today, not only is Midland still reporting the account on my credit file, but they are also reporting that I still have an outstanding balance of {$1200.00} owed. This is in complete contrast to what they told me what would happen.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX XXXX XXXX  XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (SC)

ITS DEBT FROM MOUNTAINRUNSOLUTION FOR XXXX, I SOLD ONE POPERTY IN XXXX XX/XX/2011, THE COMPANY I SOLD THEY HAD ACCICEDENT IN THIER PROPERTY, PROPERTY FULLY DAMAGE, THEYGOT MONEY FROM THEIR INSURANCE COMPANY BUT THEY NEVER XXXX WITH XXXX WITH SECURITY SYSTEM COMAPANY, NOW AFTER 10 YEAR THEY SECURTITY COMPAY FIND MY NAME IN RECORD AND TRY TO CHARGE ME THAT AMOUNT, I ALREADY SEND THEM MY BILL OF SALE AGGREEMENT WHIC IS CLEARLY MENTIONED THEY PEOPLE WAS RESPONSIBLE FOR ANY UTILITIES BILL, I SEND THEM ALL PAPER WORK TO THEM BUT THEY STILL PUT ON MY CREDIT, MY SCORE BECOME XXXX FROMXXXX  THIS CHARGES SPOUSE TO PAY BY NEW OWNER BUT THEY TRY TO CHARGE ME SO PLEASE HELP ME
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2022-08-05
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. (GA)

I have requested to have the following items properly investigated and removed from my credit report as they are not accurate and should not be on my report. Also my score does not accurately reflect my report.
Consumer complaint received 2018-07-04
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. (TX)

After checking my report with Experian I found several accounts that either weren't mine or had been re aged. I started disputes and successfully moved them from XXXX and XXXX XXXX however Experian wont remove them. They give no details on the investigation and just simply state " That the dispute has been investigated and updated '' yet the accounts remain. When I call they seem more concerned about selling me products and services rather than resolving my issue. After refusing the purchase of services I just get transferred and sit on hold for 45 minutes to an hour.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report..XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX Balance $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a credit card with Bank of America around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in Bank of America as well. Now, I have some collection agency under XXXX XXXX , XXXX from Missouri that claims I owe {$2400.00} to Bank of America and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.
Consumer complaint received 2020-07-22
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX  SOC SEC  # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

Because of Covid, payments are not due as in pre Covid. I have been making some payments as my choice but not regularly. Navient continues to charge interest illegally and send me threatening letters as well as impacting my credit. I don't understand how is this possible in light of the Federal Government 's ruling on XXXXXXXX loans. 

To be clear, I only owe a small amount now to Navient but I refuse to be hassled illegally. In comparison, XXXX XXXX, whom I work with on my XXXX XXXX loans has complied with covid rulings completely. As it should. 

Navient needs to be punished for continuing this type of harassment.
Consumer complaint received 2022-09-14
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 — Problem with personal statement of dispute
Company: CL Holdings LLC (KS)

As per my request for full VALIDATION OF THE DEBIT submitted through XXXX ( ref no. XXXX ) the JEFFERSON CAPITAL SYSTEMS XXXX XXXX ), the Collection Agency merely stated that it was verified without providing any proof about any of my authorization for the purchases or services. 

I have contacted the credit bureau to VALIDATE the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed from my credit report.by reporting bureaus.
Consumer complaint received 2019-06-05
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)

Issue : There was a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX and my main address was changed to a fraudulent address. 

Action Steps : 1. XX/XX/XXXX - I called Equifax to inform them of the fraud, they said you need to request a letter from XXXX XXXX XXXX that it was a fraud and they will remove the inquiry and address. I called XXXX XXXX XXXX for the fraud, they sent a letter to Equifax to remove the inquiry. 
2. XX/XX/XXXX - I called to follow up, Equifax received the letter by mail and by fax, but now they need a formal dispute to be filed for the inquiry to be removed 3. XX/XX/XXXX - I submit the formal dispute, XXXX XXXX XXXX sends another letter stating the inquiry should be removed because it was their error, but Equifax now says, you need to have XXXX XXXX XXXX call the Equifax department to remove the inquiry. I called XXXX and they said they do not have a group that does calls because it is unreasonable for them to call every agency for every credit issue - they sent another letter 4. XX/XX/XXXX - Equifax will not remove the hard inquiry and I am frustrated that Equifax is the ONLY agency who is making it impossible to remove the hard inquiry. 

I can send all documents requested.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (IL)

PLEASE BE ADVISED THAT MY FATHER XXXX XXXX XXXX PASS AWAY ON XX/XX/2008, ESTATE NO.XXXX, PLEASE SUPPRESS CREDIT PROFILES.
Consumer complaint received 2022-09-14
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. (FL)

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was contacted by someone whom at the time pretended to be a XXXX representative, soliciting part time jobs as a mystery shopper. I expressed interest and a few days later a envelope arrived at my residence with a money order for {$1000.00} and a document with instructions. 
The instructions explained that I was to cash the money order at my bank and using the cash, purchase {$800.00} worth of XXXX gift cards. Then photograph these cards, and text them to a number provided. Fill out a VERY brief summary of experience and that was it. 

So I did so. Then the following day I received another envelope with 3 more money orders. The same instructions were enclosed. I went to cash the money orders and the teller at the bank explained that they were fraudulent. At that time I realized what had occurred. My bank account deducted {$1000.00} from my checking account when the money order came back invalid. 

I was shocked it was able to be cashed in the first place and explained that they should be responsible considering they failed to acknowledge the first fraudulent money order. 
I have been on the phone with them for days and they have refused to help financially. They have also been unusually rude and have had to deal with numerous failed attempts to even speak with someone about this. 

If someone can help, please reach out! 

Sincerely, XXXX
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Bank has now put a hold on check deposits to my account in retaliation for my cfpb complaint. I filed a complaint with the cfpb and the first check I deposit after they have placed a hold on. i deposited a check via the mobile app on XXXX. I have never had an issue with bounced checks, I am not new, this is not a large deposit, and I do not overdraft, these are the exceptions allowed and holding my money for 3 days is in breach of the standards. XXXX ID XXXX states that that XXXX dollars need to be released. He refused to address the legal standards to release XXXX $ or all of my check. He hung up on me. This is in direct retaliation for my previous complaint. This has never been an issue before, and now they are refusing to even speak to me. How can I expect a bank to abide by banking laws if XXXX cant provide clarity on the legal standard and lies to me directly about how the process works. He advised me all checks get a hold I advised him it hasnt happened before and asked why it would happen now and he disconnected on me. Previously a portion of the check has been made available. This time none of it is. Why would I bank with a company that wont even trust my checks? Ive never had a bounced check and now they tag me for at risk after a complaint. XXXX and bold.