davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2019-11-05
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: BYL Collection Services (CA)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX  XXXX, BYL Collections, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX  XXXX  XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC (WA)

Accounts Receivable, XXXX is a collections agency in XXXX, Washington plaintiff is Security Credit Services , LLC send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. 

I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. 

I live in Washington state and the statute of limitation is 6 years. Why now?
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION (TX)

XX/XX/XXXX I began to see unauthorized charges from XXXX come out of my account so I called to discuss it with someone by the name of XXXX. She proceeded to basically tell me there was nothing I could do about it until my account was brought out of the negative. So I then asked her to close my account and I would pay the negative balance and dispute later. She advised she could close my account but if XXXX continued to try to charge whatever they were charging it would open back up and they would continue to allow the charges to go through and charge me {$38.00} in NSF fees for each charge. I called numerous times after this in attempts to salvage my account but with all the NSF fees I could no longer afford to. There was no assistance disputing anything, no flag put on my account or anything. I ended up opening an account with the bank I work with now and waited for some type of collection activity to take place so I could dispute it, which never happened. Fast forward to XX/XX/XXXX I had to face compass again because my income tax check was sent to them in error. I attempted to call and explain what happened and was told to go to a branch to discuss it. Went to the branch to discuss it on XXXX and was told they were going to keep my income tax money and that the only thing I could do was file a police report for the invalid XXXX charges and they don't know what will happen after that. So still a year later and no resolution. I had my account in good standings with this company for 10 plus years and this is the treatment I recieved. They've done this to numerous individuals even some I know personally. This company needs to be addressed for their deceptive and unfair treatment of their customers.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-27
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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
Consumer complaint received 2020-03-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Recovery Systems, Ltd (FL)

Robo calls at all times of the day and night, Keep asking them to mail support evidence that I owe them anything and they keep opening collections on ghost balances I do not them anything and want them to stop harassment and using my social security number as their dumping grounds. They failed to mail me any supporting evidence and when I tell them to stop they call even more, sometimes it is a person that has a heavy XXXX accent and can not understand them. 
I am sure I am not the only one with this problem.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NC)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX XXXX XXXXXXXX / {$1400.00}
Consumer complaint received 2021-06-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I received a statement from XXXX XXXX about this debt but they haven't provided a contact showing proof of this being my debt. According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
Consumer complaint received 2017-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I live in XXXX XXXX, Fla. Where we were recently hit with XXXX XXXX , where house was damaged and I 'm faced with overwhelming amount of bills, I reached out to get help with forbearance on my loan, being that 's the Law, and this company BSI Financial Services , is refusing to help me.
Consumer complaint received 2021-06-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've disputed an account with Experian several times about a collections account and address on my credit report. I've never lived or had business with. The investigations come back immediately with no proof of it being my debt. I've contacted the debt collector and Experian. They don't have anything to show me. But on multiple occasions, the debt comes back verified and it's clearly fraud.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NV)

I am writing to you in order to gain some knowledge and understanding about the process of charge-offs and its relation to the IRS. A credit card company did a charge-off of an old debt that was 15-20 years old, unbeknownst to me. I never received any notification that this debt had been charged off until the IRS sent me a letter telling me that I now owe them money due to the charge off that occurred back in XX/XX/XXXX. The delinquent debt occurred during the time I became unemployed back in XXXX and took 1+ years to find another job. During that time I made every attempt to set up payment plans with my creditors, but they all told me no. I was receiving unemployment benefits and used my retirement fund and savings in order to take care of myself and my young daughter. I had to pay my mortgage, so the credit card companies were not able to be paid enough. I informed them all of my unemployment, but it made no difference. They continued to add fees and charges onto my accounts. These events occurred back in XXXX, but the charge off of $ 10k+ occurred in XX/XX/XXXX. The credit card company never notified me nor did they ever tried to alert me to a charge off of debt. I am not blaming the IRS, and I have already contacted them to let them know that I was not aware of the charge off, and that I would do everything in my power to accommodate them. The IRS advised me to do some further investigating prior to submitting anything to them. I would like to understand how or why a charge off of an old outdated debt could happen 10-15 years later. Please provide me with additional information about this and also please let me know if I'm responsible for the payment of this tax fee to the IRS for this charge off. Any assistance or advice from you would be greatly appreciated. Thank you so much for your time. I look forward to hearing from you soon. Also, I will let the IRS know that I have been in touch with you regarding this situation. Thank you again. Please enjoy your day.
Consumer complaint received 2021-06-30
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (SC)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WA)

My account with Nelnet was closed and transferred on XX/XX/XXXX. Recently it was reported as pass due dating back every month since it was transferred and closed. I have tried filing a disputed in XX/XX/XXXX that was just closed with no resolution. Then I spoke to experian who opened a new dispute which was closed the same day with no resolution according to the dispute center. Next I spoke with Nelnet that claims the last report that they sent was in XXXX of XXXX. They also claim that they have not received either of my disputes. I then email experian giving them over 72 hours to correct this mistake and have not heard back from them.
Consumer complaint received 2021-09-16
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: HW Holding, Inc (CO)

I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

I am disputing a debt collection for unverified debt connected to a lease. I moved out on XX/XX/2021. The balance on the account as of XX/XX/2021 was XXXX. I received a debt collection on my credit report in the amount of {$5700.00}. The debt collector sent me an itemized list of the debt that includes fees that do not apply to me at all. 
1. Two rent charges for the period XXXX XXXX ( illegal ). 
2. Reletting fee ( no person on the lease was altered ( illegal again ). 
3. Pet fees ( my dog is ESA and I dont pay pet rent ). 
4. Increased utility fees ( doesnt support evidence I have stating the outstanding fees ).
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems (PA)

In XXXX of XXXX, I was getting strange phone calls around a collection debt in XXXX NC, I live Pennsylvania. Then I started to get strange medical bills coming to my house, at that point I filed a police report for Identity Theft, I contacted all the medical providers in XXXX, NC, they told me everything was fixed and not to worry. I recently found on my Credit Report that a collection account was placed against me by XXXX XXXX XXXX out of XXXX, NC for {$100.00} ( XXXX ) for a debt that isn't even mine. My credit report is saying a collection account under Finance Data XXXX ( XXXX )
Consumer complaint received 2021-06-30
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. (NY)

i am very disappointed that i looked on my consumer report and i saw that i have a bankruptcy showing on my report. As a naturally protected consumer this is a violation of my consumer rights. IF the bankruptcy is accurate i need you to validate it and prove it also have a senior officer from your office swear under the penalty of perjury that the bankruptcy is accurate and has been validated, I got denied a job opportunity because of the bankruptcy showing, my privacy has been violated and its deflamation of character if this issue is not resolved within 14 days i plan to take this matter into litigation and make sure i get compensated for not only the FCRA violation but also the emotional distress this has caused me i am losing sleep and depressed over this matter,
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX. I'm a XXXX XXXX and XXXX XXXX and XXXX XXXX with over ten years of experience. Any work during these unprecedented times is a true blessing. I was fortunate enough to XXXX a XXXX XXXX XXXX last month and spread commerce by XXXX a couple local crew and vendors. I was paid {$6000.00} for the XXXX ( a bargain for the client! ) and I received the check on Saturday, XX/XX/XXXX. 

I deposited the check into my Bank of America account on Sunday, XX/XX/XXXX. I then received a notification that the money would be held in its entirety until XX/XX/XXXX, over 10 days later. I attempted to call Bank of America today, XX/XX/XXXX, as they were closed yesterday for XXXX XXXX. I spoke with 3 different representatives, including a supervisor in XXXX, who all told me there was absolutely nothing that could be done and I would have to wait until that day. I asked the supervisor if there's anyone else I could talk to and she said there was absolutely no one above her and no one could help me. Her name is XXXX and her employee number is XXXX. I explained to XXXX and the other representatives that I need this money to pay my back bills and my crew/vendors. I'm a freelancer, and this is how it's always worked. They told me because I've never deposited a check from this particular bank before, the funds would be held until that assigned date. I asked if any of them could please call the bank or contact them to verify the funds or at least make the date sooner if possible, and I was met with absolutely no help. I've been a customer at Bank of America for over 15 years, but it just doesn't matter. 

We are in a pandemic, and everyone is swimming upstream at the moment. I'm not trying to pull one over on anyone, I'm just trying to get access to this money to pay my crew. This is affecting my job, my reputation, my livelihood and my life. Please help me.
Consumer complaint received 2019-06-05
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: GreenSky, LLC (IL)

I am a senior citizen and the victim of extortion twice : Once by the merchant and once by the finance company. Here 's my story : Merchant : XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX This plumber charged me {$8500.00} for a job that other plumbers charged me {$1500.00} to {$2000.00}. He pressured me to sign before the job was done by threatening to walk off the job. I signed under duress and will be filing a complaint with the Illinois Attorney General for extortion and violating Illinois Right to Cancel law. 

Finance Company : GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, a unit of XXXX XXXX XXXX, an XXXX  XXXX. 
This company is committing fraud with their promotion program by charging a higher interest rate than stated, and colluding with merchants to defraud senior citizens. Im planning on contacting a knowledgeable lawyer to file a class action lawsuit.
Consumer complaint received 2019-11-05
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: BYL Collection Services (CA)

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX, BYL Collections, XXXX XXXX XXXX.