davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

Contacted I.Q. Data International , INC in response to a letter I received in the mail on XX/XX/XXXX, spoke with a rep named XXXX and asked for a detailed statement of account. 
She stated that I owed XXXX and that I moved XX/XX/XXXX which is completely incorrect I moved XX/XX/XXXX and I only owed 1 month and thats XX/XX/XXXX. I would like to have this matter settled immediately. Please assist me
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NJ)

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-08-15
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: ERC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-11
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. (IN)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX, XXXX, Va. XXXX Have been sending me collection notices in the amount of Account Numbers ( XXXX {$380.00} ), ( XXXX {$330.00} ), ( XXXX {$540.00} ), and ( XXXX {$470.00} ). The collection has been reported as pass due balance I do not know this company. I have never done and business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-01-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

There is a paid debt from Portfolio Recovery that i have requested to be removed from my credit reports. I have paid this in full and asked that it be removed from all three bureau reports. Acct # XXXX I have also paid in full a debt from XXXX XXXX and asked that it be removed from all credit reports the acct number for XXXX XXXX  is # XXXX.
Consumer complaint received 2022-09-14
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. (PA)

Please remove these fraudulent inquiries immediately these are results of identity theft. 
I did not obtain any of these good or services from : XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXXXXXX XX/XX/2022, XXXX XXXX XX/XX/2022, and XXXX XXXX XX/XX/2022. I did not give consent for any of these inquiries reporting on my Transuion!!!!
Consumer complaint received 2021-04-02
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. (NJ)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My issue is with XXXX ( website not working and costs $ $ $ ), Transunion ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .
Consumer complaint received 2021-09-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

As a consumer and natural person, Ability Recovery Service has violated my rights. Ability Recovery Service has failed to provide me, the appropriate documents requested to validate the alleged debt of {$2900.00}.

Ability Recovery Service has invaded my rights to privacy by having my personal information.

Ability Recovery Service did not have my written consent or permission to contact me or have my information. 
I, XXXX XXXX, the consumer and natural person has been violated of my rights, according to 15 usc 1692.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Merrill+ by Merrill Lynch ( Bank of America Corp ) credit card account was closed without my knowledge and without any prior warning, on XX/XX/20, by Bank of America ( BoA ). 

I called BoA on XX/XX/20 and inquired about the points balance of approximately XXXX points that I had on said card. The rep I spoke to said despite the card being closed, I still had that useable points balance that I could cash out at that time if I so desired. I declined and explained that Merrill+ points in the amount of XXXX could be used for a flight ticket worth {$500.00}, and that if I exchange my points for cash, they'd only be worth {$260.00}. She assured me the points would remain unchanged until I used them. 

I also complained that the card had been closed without any advanced notice ( which would have prompted me to use the points for fear of losing them ). The rep said BoA usually sends out a letter notifying of pending closure. I did not and have not received any letter and the rep was unable to provide any confirmation as to whether BoA followed their " usual '' policy of a letter. 


On XX/XX/20 I was ready to use my points for a flight and spoke with a Rep " XXXX '' who said any points I had would have been lost upon account closure. She escalated the issue through their process. On XX/XX/20 I received a letter from BoA stating that their final position was that I would not have access to my points.
Consumer complaint received 2024-02-29
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 


XXXX XXXX  Original Creditor : XXXX XXXX  XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX {$0.00}
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. Synchrony/ XXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped XXXX points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

My issue is with Experian ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX I got a applied online and got a CareCredit Card to cover the XXXX XXXX that I needed to get in XX/XX/XXXX. It was about {$1200.00}. I was told I have a year to pay off the fees with no interest charges. I 've been sending money every month to pay off this debt. Logged in the other day ( XX/XX/XXXX ) to pay on the card and noticed the debt amount looked as though it had not lowered AT ALL. I did further research and realized that there were not only {$2.00} interest charges but there were also MULTIPLE " security card charges '', all $ 18+, that I NEVER signed up for. I applied for this credit card online and NEVER opt-in for this " card security '' feature. I should NOT be getting charged any interest fees. 
Customer service was 100 % awful and unhelpful. Telling me I needed to call some other numbers and blaming me for this. This needs to be investigated because they are clearly running some kind of scam.
Consumer complaint received 2021-09-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my Transunion and XXXX credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was removed.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (IL)

XXXX XXXX Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX  Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am attempting to close a credit card account with the Bank of America on behalf of my elderly mother for whom I have power of attorney. I have not received clear information despite contacting both the customer service number and a local bank branch. The instructions request a power of attorney document with signatures of the Attorney-in-Fact. However, the Attorney-in-Fact is me, and yet I do not sign my mother 's power of attorney ; I am simply named. The process has taken long enough that they have now billed her {$75.00} for her annual fee. I am sending a notarized power of attorney to the Bank of America and requesting the annual fee be removed as we are in the process of closing this account. 

While at this time I am waiting to see if what I have provided will work, I did want to register this with a consumer protection group. Communication from the Bank of America provides no contact number and requests information that can not be provided in a language that can not be understood. I even went so far as to send a copy of it to my attorney and even she did not understand what they were requesting. 

My issue with Bank of America at this point is the lack of service and clarity for its customers. The process I am going through often happens in times of stress and sadness. And while families are trying to deal with an issue, a credit card hangs open for use or fraud, and services charges are applied. I am also taking this action because attempts to work with the Bank of America have been unsuccessful up to this point.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

Wells fargo told me there was an issue with my check, and they deposited my check of XXXX $ and did not return the funds to me after they closed my account. They also didnt provide proof that the funds were returned to bank issuing the check. 

Wells Fargo XXXX XXXX told me they needed a notarized lettered. 

I have provided a notarized letter from the maker saying this check is legit and sent to me Loss prevention then said they want their makers bank to file a claim to get the funds back. 

the maker called their bank and their bank says they cant file a claim on a cleared check Please tells Wells Fargo to send me the funds back
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (GA)

Experian and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In XXXX  XXXX XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. Experian has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again Experian for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623, Cushman v. Trans , Union Corp. US Court of Appeals for the third circuit court case 115 F. 3rd 220 and DC NO. 95-cv-01743. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of US Court Of Appeals, Ninth Circuit, No 00-15946x Nelson V Chase Manhattan XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within 30 days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.
Consumer complaint received 2021-09-20
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: Statebridge Company (TX)

Statebridge had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.