davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
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. (FL)

I recently pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.
Consumer complaint received 2018-07-31
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACCESS GROUP INC. (WA)

In XX/XX/2018, I tried to apply for a new apartment that was cheaper in rent so that I could save money and repay my student loans. My employment contract was terminated so I am doing all that I can to make arrangements. When I submitted and paid for apartment rental applications, a rental report agency said that they had adverse debt collection on my record from Access Group. I tried to get this resolved and I was denied an application for rental from 4 places in one month because of this WRONG and ILLEGAL attempts by Access Group to ruin my credit and ability to meet my financial and economic needs. Because of this, I lost over {$100.00} in rental application fees and was unable to move to a cheaper and more rent-friendly apartment so that I could save money and pay my student loans. These actions by Access Group are UNACCEPTABLE and I NEED your HELP to remove this from my reports. Access Group has repeatedly refused to work with me and I have no where else to turn. PLEASE HELP!!!

I have filed previous similar complaints against Access Group and yet they continue to user threats and to unreasonably and unnecessarily interfere with my credit. HOW am I supposed to make these student loan payments if Access Group threatens and harasses me with debt collection and damaging my credit without even attempting to resolve the issue with me?
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (DC)

O. XX/XX/19, I submitted a complaint relative to TrueAccord, a debt collector, regarding attempts to collect a debt not owed. On XX/XX/19 TrueAccord provided a response wherein they requested I provide them with an FTC affidavit to provide to the creditor for an identity theft investigation. On XX/XX/19, I provided via email a copy of the requested document and asked for an update as to the status of the three accounts. On XX/XX/19 XXXX XXXX replied on behalf of TrueAccord and advised that they could not find my information in the systemdespite reporting three accounts opened in my name. On XX/XX/19, I against emailed XXXX requesting a response. On XX/XX/19 XXXX XXXX on behalf of TrueAccord responded via email advising they were reaching out to their client XXXX and would provide an update within 7-10 business days. As of this date, a response had not been received, the accounts remain in my name, and I am no longer receiving response from TrueAccord. If TrueAccord and their client can not provide validation to substantiate that the accounts were in fact opened and authorized by me then they must be closet and I am to be absolved of any further liability.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I used BOA debit card to make a purchase {$400.00} for XXXX intial deposition, but the BOA account was recorded as withdraw, so I was charged a fee of {$10.00}. BOA originally promised me that they would refund me after the bill was released, but then they said that the system could not be executed after the bill was released. I had the opportunity to cancel the transaction, but I did not execute it because I believed they would refund.
Consumer complaint received 2022-05-03
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. (NC)

Accordance with Fair Credit Reporting act XXXX Account XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HELLO, MY NAME IS XXXX XXXX AMD I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY ID AND SOCIAL AND LATER USED MY PERSOANL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME.
Consumer complaint received 2020-10-22
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. (FL)

I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.
Consumer complaint received 2020-01-28
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. (TX)

I tried to create an account online to view my credit report and score, Equifax Credit Bureau charged my {$4.00}, but I was not able to view my report, then I called XXXX someone from XXXX answered I asked him to forward me to the US Office, someone else answered I asked him if he from the US office and he said yes, after we talked he was not able to help me, I asked to speak to a manager or SV initially he refused then he forward me to his super visor in XXXX, any how I spoke to 10 people in total wasting 2 hours of my time, and the last 3 where for the US office, I released all the needed information including my SSN but they still could not locate an account for me, the last two people that I spoke to I asked them to refund my money but they said they dont have an active account for me, the question remains why I got charged {$4.00} if I do not have an active account? And why Equifax rep could not refund the money for me? 
i spoke to XXXX, XXXX, XXXX ID XXXX,, XXXX XXXX XXXX, XXXX id # XXXX, XXXX ID # XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

this company pull my credit with out my unknowingly I never give them my information are this company his purposely invaded my privacy. 



XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/2017 Type Collections Attorney Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
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. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX is reporting a payment status of 90 days late, XXXX  is reporting no late payments and Equifax is not reporting this account. XXXX XXXX XXXX : XXXX is reporting a payment status of 30 days late, XXXX  is reporting a status of 30 days late, Equifax is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX  and Equifax are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2018-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: iFreedom Direct Corporation (FL)

The appraisal ( 16-VA-517 ) was and is so defective that the VA Appraiser attempted to amend and supplement the appraisal either retrospectively or with the facts as he had established them. The VA Staff Appraisers refused him that necessity. He immediately refunded me the costs I paid him for that appraisal. I told the Originator that the appraisal was wrong, I told the closing agent and it is obviously so defective that it in no way reflects public records.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

XX/XX/2022 Tried to deposit a check for XXXX. Used mobile deposit feature. Of course it didnt work. App kept saying error after error after error. Contacted regions and they cant tell me why. I told them I used several different options they have available and still didnt work. Said I would have to take it in to the bank. I told them it was a payroll check from my retirement systems of Alabama. Its a monthly direct deposit same account and same amount.
Consumer complaint received 2022-05-03
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. (NC)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX,, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I XXXX XXXX, hereby attest that the information provided is being filled by myself and not by any other third party.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (NC)

During the past few months, I have called Discover Corporate Office and requested return calls. Unfortunately, to this very day, no one has returned my calls. Today, Monday, XX/XX/2018, I spoke with several account managers or Dispute Billing Representatives and requested to speak with a supervisor or Corporate and I was advised that all lines were busy. The first person I spoke with on today, was unprofessional and I was requesting that the call be pulled for today, XX/XX/2018, about XXXX XXXX DEST. Representatives so not like being identified as they do not want to give the first initial of their last name and they do not have reference numbers for the calls or the representatives.

It appears that representatives have been unprofessional and Corporate does not wish to address this with me. Also, I have a dispute which the initial recording states, " your dispute is complete '' however when I speak with a representative that recording is not true as Discover is still waiting for a response from the merchant. This recording appears to be very contrary to the truth. The dispute is not complete and the recording should indicate that. I had wanted to know the status and why the recording stated the " dispute was complete and I would receive a response within 10 days '' when the representatives

states that they are actually waiting for a response from the merchant. Lastly, I have repeated left my name and number and yet no one from Discover Corporate Office has bothered to adhere to the account managers ' notation. This appears to be a poorly ran company or either staff chooses who they wish to call back.
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wanted to buy a XXXX XXXX and I went on an app called XXXX and the seller told me to text him and I did and we negotiate on a price of {$170.00} then I tell him if I pay him on a app and he said if I had the app called XXXX and I went on my bank of America app and sent him the money thinking I had some type of protection either from my bank or XXXX I texted the guy 2 days later and no response then I send a request for my money back saying I changed my mind and he declined it then I send another saying I reported a fraud and found out his location then I look up his number on a website and his location is in XXXX NJ and I looked up his email and it wasn't found. Then I write an email to XXXX and still haven't heard anything from them but doing some research online I found that other people in the same situation get no help at all from XXXX. Please help anyway you can anything is appreciated.
Consumer complaint received 2021-06-25
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. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2020-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

Collecto, Inc.DBA EOS-CCA at XXXX XXXX XXXX  XXXX XXXX, California XXXX is represented by Attorney XXXX XXXX and are in violation of the practices of the Consumer Financial Protection Board. This issue involves a XXXX XXXX XXXX bill of {$1200.00} that occurred on XXXX XX/XX/XXXX.During this time and without my knowledge the wage garnishments caused an extreme financial hardship to my family and me. Henceforth, I filed a claim of exemption with the civil Court and I had a hearing on XX/XX/XXXX. A judgment was ordered by the Judge that I pay {$100.00} every two weeks or {$200.00} every month. This judgment is to expire in XXXX and the case was closed on XX/XX/XXXX, XXXX.The Judge ordered that all previous garnishments be returned to the debtor, that XXXX XXXX and the levying officer be served a certified copy of the judgment order and that the levying officer shall notify the employer of any change in the Earning Withholding Order. In spite of being legally served, XXXX XXXX violated the Judgment order and instead he kept filing papers in Court and illegally adding on interest and attorney 's fees shockingly increasing the amount to oveXX/XX/XXXX In reality, the debt would have been paid off if only XXXX XXXX followed the Judge 's court order..To add to his unfounded actions XXXX XXXX is now having an exorbitant amount of money garnished from my account. XXXX XXXX corruption must cease and his illegal actions be investigated.
Consumer complaint received 2024-03-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2018-10-07
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)

I have been attempting to remove negative accounts for 1 year from my credit report. I am beyond disgusted at this point. I sent information to the credit bureaus about an unjust filing of bankruptcy including accounts. They responded with " Verified '' and to my understanding they listed XXXX XXXX as the date provider. I reached out to XXXX XXXX to investigate and they responded that they could not locate any information in reference to a bankruptcy from their company. I reached back out to XXXX, XXXX and Equifax with the information that XXXX XXXX mailed me. The subsequently deleted their information because there was not evidence. XXXX, XXXX and Equifax are still reporting the derogatory information on my credit report. It literrally has been 12 months since I began attempting have this inaccurate information removed. PLEASE HELP! The problematic accounts are as follows : Bankruptcy listed on all XXXX credit reports. The accounts listed under the bankruptcy as well : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

Navient is mismanging my loans and harrasing me everyday 24/7. they keep caling early in the morning and late at night. i told them do not be calling before XXXX or after XXXX. they told me they had the right to call, i kindly informed them that they didnt have the right to. then they called from a third party from rhode island, placing me on hold.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (FL)

My wife and I submitted our entire financial information (Social, Bank statements, etc) literally over 1 month ago and have been told every time they are "looking into our eligibility". They mentioned it would take 5 business days. It's been literally 32 days. I have called NUMEROUS times, left voicemails, and no one ever gets back to me unless I continuously call and finally get ahold of someone. Upon being on the phone, they only say "we've reached out to our team and we should hear back soon".Also,  just 2 DAYS after leaving this review on XXXX, I've started receiving MULTIPLE spam calls saying there is a warrant for an arrest, that my SOCIAL SECURITY number has been suspended (like that can even happen) and further my PERSONAL XXXX was banned out of nowhere.I would BET MONEY that this company was dissatisfied with my honest review and gave out / sold my information as well as reported my account to XXXX (for nothing) to get my account disabled. (believe it or not, fXXXX doesn't check on reports, it just automates the response)
Consumer complaint received 2018-07-31
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. (CA)

XX/XX/XXXX I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, XXXX and Transunion. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Receivables Management, Inc. (FL)

A Mr. XXXX from a debt collection company supposedly in XXXX, FL, called and left a message. I called the number ( XXXX  ) and tried to leave a message in either his mailbox or the general one, and was denied twice. The direct number, which I also called ( XXXX ), corresponds to a twice-differently-named agency than that from which he said he was calling on the phone : XXXX XXXX XXXX I then emailed two of the email addresses on the ( faux? ) companys contact age. Both came back immediately as dead-letter boxes with all the hops and whatnot. I can provide those emails if the authorities wish.

Given all those attempts, I think this is a scam and Ill have to try to block all the domains in the business bounceback e-mail trace.

Thank you.

Addendum : this was not an option in the last pages of the complaint dialog. I am not a veteran, but I am XXXX. Could they have identified me somehow, like the rash of these companies picking on the elderly a few years ago?