davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account or recieve a service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that PHOENIX FINANCIAL absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

***Hello to whoever might read this, my name is XXXX XXXX . I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, XXXX, I sent the attached Certified Letter to Transunion. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Transunion is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. 
XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

After reading the warning updates that I get from the FTC I decided to check into my credit report because it is now free weekly. I went through all the steps to get my credit reports from all three major credit reporting companies and to my surprise there was some excuse as to why I could not get them some of it said technical other one said that I had to get it by mail that I couldn't get it online but in any case all three companies basically did not come through at a credit report that sounds a little suspicious to me. So I just wanted to let someone know I will try to follow up with phone calls but this is already more of a hassle that I am supposed to have to deal with being that I'm supposed to just be able to click and get my credit reports free but that's not happening. Thank you Your system would not allow me to enter the last 4 of my SSN. I have no idea why. So you might want to look into that. 
The last for are XXXX
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates (TX)

Call constantly from spoofed numbers with a partially recorded voice and an automated voice stipulating that several complaints have been filed in their office and cooperation is mandatory. This has been going on for several months. the spoofed number is XXXX. The call back number is XXXX XXXX XXXX. XXXX XXXX XXXX. I received 2 calls on XXXX, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17. This is as far back as my call history goes. I told them if they wanted to take legal action then they need to file in XXXX county Texas against me and other than that they need to stop calling.
Consumer complaint received 2018-06-14
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: Experian Information Solutions Inc. (TX)

I initiated a dispute over 30 days ago with Experian in regards to an item on my credit report. I sent the letter XX/XX/XXXX and have not received any notice or results document. The creditor is trashing my report with inaccurate rpeorting. Please help, I'm trying to buy a house and have run out of options
Consumer complaint received 2021-08-20
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: AFNI INC. (CT)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK (NJ)

A person has been trying to get my identification and social to open accounts and etc., they tried to withdraw over XXXX XXXX dollars from my account which was reversed but now the credit I was giving by my bank reversed it and left my account in overdraft and its tAking my deposits to get me through daily and I need my money back
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I have tried to obtain a copy of my free credit report online from Equifax and XXXX in XXXX 2017. I was instructed by the two companies to complete a form and the credit file would be released. I followed the instruction and both companies have n't honored my request. 

Equifax wants to charge me {$11.00} to get a free annual credit report. XXXX stated they were n't able to honor my request because I did n't provide sufficient identification information to verify my identity or the information provided was n't legible. I disagreed with XXXX. I provided the information ( electric bill ) that was request. 

It would be greatly appreciated if you could assist me with obtaining a free credit report form both companies.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

theres several issues with XXXX reporting on my defective XXXX XXXX loaned XXXX down XXXX XXXX  according to three banks- XXXX , XXXX  , and one other. I asked XXXX in person, XXXX XXXX location. XXXX  XXXX XXXX XXXX refused to fix my car 3x. XXXX left me no choice but for them to repo it in XXXX ( SIXTEEN ) - not XXXX ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask. 

Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.
Consumer complaint received 2017-12-14
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. (NV)

These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

Equifax tells me I will never be able to access my online portal again because I answered one verification questions incorrectly.

When it first happened I called them up and asked them why and they explained and then said to mail in a copy of my drivers license, passport, SS card and utility bill. I sent that along with a letter.

I waited a month and called back to verify everything. They said they never received it and to send the exact same info again. I asked them why since it would be the same thing happening again.

So I sent it again and this time I sent it USPS certified mail. It shows they received it XX/XX/2020. I called back at the end of XXXX to discuss getting my online access and they said they never received it. 

I asked how could they possibly say they didnt get it when the USPS certified mail shows they did get it.

I have done everything that Equifax asked and also have a confirmation they received my information via USPS certified mail.  Tracking # is XXXX XXXX XXXX XXXX XXXX Then the representative changed her story and said that I will no longer be able to access my online portal. I asked if I need to resend it again and she said no there is nothing I can do to get access. 

So they are holding my online access hostage and there is nothing I can do.

She said I can always use the telephone or mail-in option. Thats a bit of a joke considering the people I have talked to have never helped, changed their story and contradicted themselves. 

How can I use their mail-in option if I sent something simple to them twice and they say they never received it even though the second time was through certified mail and proves they did receive it? 

Equifax is a for-profit corporation that does not seem to care at all and is extremely unorganized. I have sent certified mail to sever entities in the past with no issues, this is the only one to claim they didnt receive it.

They are holding my own credit file hostage from accessing online.

I own a personal finance and credit education company that teaches about the credit bureaus and believe they are discriminating against me due to those factors.

They have a 1 star rating on the XXXX  with over XXXX complaints.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (NC)

Upon looking at my credit report yesterday I received a notification from XXXX XXXX that Phoenix Financial SE has reported an account they recently purchased from an original creditor that was made to delete the information due to account not being mine. XXXX XXXX XXXX sold this old account which was previously deleted to another collection agency. I never received anything from this company regarding this new account being re placed for collection. On my credit report for XXXX, XXXX XXXX XXXX has two separate collection agencies reporting this one account to really try to hurt my credit score.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-11-30
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-10
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. (TX)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (NY)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (NV)

This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. Servicing showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX Servicing I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

1 ) I entered a one-time principal-only payment into the US Bank mortgage payment system of {$6500.00}. This appears correctly in my US Bank account. This is in addition to my {$2900.00} standard monthly mortgage payment.

2 ) The wrong amount was taken from my XXXX personal checking account. {$9400.00} was deducted ( in addition to the standard {$2900.00} mortgage payment ). As a result, my XXXX account is now overdrawn. 

3 ) I have had multiple issues with the US Bank online system, which I have reported to CFPB in the past. I tried once again to contact US Bank by phone using their listed office hours from their website, but an online message stated they were not open. I sent them an email instead, but do not yet have resolution.
Consumer complaint received 2020-11-30
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. (GA)

Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX verified the report. It Is impossible to have an account closed in XXXX, with late payments in XXXX of XXXX. This was the second time XXXX  reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX  also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX and XX/XX/XXXX Citi bank charged me {$29.00} each for return check fees while their autopay system has issue. i had the autopay set up with citi bank and been autopay for past 12 months without any issues. CSR stated it is their IT issue and helped me to update the information on their end and advised if there are any fees will be refuend. i have contacted citi bank today XX/XX/2020. they have refused to refund the fees and asking me to proof it is banking errors which is totally non acceptable.
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CONDOR CAPITAL CORP (GA)

I have filed Chapter 7 in XXXX and I included all debt excluding my car, XXXX XXXX XXXX financed by Condor Capital. I have voluntarily been making payments on this vehicle since XXXX. I have been contact with the company that has taken over Condor Capital since they have closed. I have been mainly in contact with them recently because I am in the process of purchasing a home and I needed to eliminate some debt, after speaking to several people in the billing department I have learned that they allege my balance to be XXXX as of XXXX/XXXX/XXXX. I have offered to make a settlement with this company in exchange of the lien being removed and they referred me to my the attorney who filed the bankruptcy. I also have not received and receipts or updates about my account since they have taken over. I have also asked once the allege amount is paid how will I know or how will I receive the title to this vehicle and they informed me that they would mail out documents that I would submit to the DMV. I also asked if I wanted to give the vehicle back what and how to handle that issue and i was again referred to me attorney. I need help with resolving this account, I truly do not believe I owe this allege amount which is why I am trying to offer a settlement.
Consumer complaint received 2017-12-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: EVERBANK, NATIONAL ASSOCIATION (MA)

I opened a number of CDs with EverBank on XXXX XXXX, 2017. I did this by phone with an EverBank rep, laddering the CDs for one year through five year maturities. 

Recently I inquired by phone about early withdrawal fees on these CDs. The rep told me that I would have to pay 25 % percent of the interest I would have earned over the full length of the CDs, even though the products are only three months old. 

This means that I would have to pay a substantial amount of my principal to the bank. I was never told about this when talking to the initial rep. This smacks of robbery and is totally inappropriate. Other banks in which I hold CDs will usually take back a portion of the interest already earned, not 25 % of all future interest. 

I could not find this penalty in their Web advertising which I will be attaching. 

I have to say that I am shocked that TIAA, a very respected organization to help teachers and professionals to plan for their retirement, would be associated with this bank. Their policies which they do not discuss on their Web site are cheating consumers.
Consumer complaint received 2023-03-10
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: CREDIT ACCEPTANCE CORPORATION (MI)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.