davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While I traveled outside country, I rented a car in XXXX using BOA 's credit card ( BOA TRAVEL REWARDS VISA CARD, XX/XX/XXXX to XX/XX/XXXX ), rental car company withheld a credit on my card on XX/XX/XXXX and released when I returned the car on XX/XX/XXXX, then I realized that I was unreasonably charged usd {$46.00} for less than XXXX XXXX Lira charge ( it should be less then XXXX usd per market rate ), rental car company ( XXXX ) sent me letters clearly stated that only less than XXXX XXXX Lira was charged by them. BOA explain that this is because of the foreign currency exchange rate change and reject to dispute the overcharge, clearly I am treated unfairly and have been taken advantage by BOA.
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the  months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-06-07
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. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-02-07
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)

According to the Fair Credit Reporting Act, 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2018-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

In XXXX XXXX, I discovered that someone had stolen my identity and opened various accounts. XXXX of these was a XXXX credit card. After finding out, I immediately called XXXX to report the fraud. They closed the account and issued me a letter acknowledging that the account was fraudulent and discharging any responsibility I might have for it. Around XXXX XXXX I received a letter from Midland Funding LLC attempting to collect this debt. I immediately called Midland and explained the situation. They told me that the collection would be removed from my account. I have talked to them three times since then and they are still attempting to collect a debt that does n't exist.
Consumer complaint received 2018-06-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

Collection Consultants of California have been trying to collect a debt that is past the statute of limitations in California and won't remove it from my credit report. They are also in violation of HIPPA as they have sent me my full list of medical procedures performed and they were not supposed to have that. I have sent other complaints about the company to the major credit bureaus and also to the Attorney General of California.
Consumer complaint received 2018-06-07
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: CITIBANK, N.A. (TX)

My social security has been used by my brother. I believe this best buy mastercard that is now being reported by a collection agency ( XXXX XXXX ) this credit account was opened by my brother who was my former roommate and eventually took over my lease when I was XXXX in XXXX around the time when the account was opened. He has access to my information and my mailing address. upon checking my credit report I noticed the account and I have no knowledge of the account. is there any way that this account can be removed from my credit file. Ive tried to reach out to the collection agency but they refused to remove it even with a FTC report and a copy of my military orders. I've uploaded my FTC report to support my claim that I've been dealing with identity theft and fraudulent for the past 10 years.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I just went thought your database and found some very interesting information. Of the XXXX XXXX complaints against BofA over XXXX of them were for Loan Modification, Collection and Foreclosure complaints. Of the ones that listed the consumer complaint they were for strong arm action or action taken without their knowledge. This seems pervasive and and like sever bullying of consumers. I am requesting a formal investigation to be started on this BofA issue. I feel strongly if different levels of employees are questioned with immunity and under penalty of law for lying you will find a lot of illegal and maybe XXXX actions going on at BofA. I personally would volunteer my assistance ( I have a degree in finance ) and have business ownership experience. There is a lot of smoke and evidence here and needs further investigation. These actions caused undue harm to local housing values and local tax revenues. Please feel free to contact me me. 
XXXX XXXXXXXXAlso, your writing box on thes site is not working properly. The person typing cannots see the words typed.
Consumer complaint received 2018-06-07
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. (TN)

I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Consumer complaint received 2018-06-07
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. (TN)

I have placed a fraud alert with all credit bureaus as of XX/XX/2018. I received a copy of my credit report to see that the same companies, sometimes up to 3 or 4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX on XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and Target for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX  for reporting accounts that were opened illegally while I was underage.
Consumer complaint received 2018-06-07
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. (AZ)

I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

Experian {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave EXPERIAN, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Consumer complaint received 2020-08-19
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I am currently being evaluated for a loan modification. 
There is an agreement withThe California Attorney General Office to not do dual tracking. 
It should not be forward with a Trustee SaleWhile I am under review for a loan modification. 
The Sale date must be vacated. 
We want to keep our house. 
We hope everything going well on our loan modification.
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (AL)

in XXXX I flagged a XXXX XXXX XXXX charge. XXXX reissued the card but never credited the charge back. Here it is in XXXX they are now saying I owe XXXX on card XXXX for a service I never received nor owe. Unfortunately I did not receive service from the vendor. Scrupulously bank practices attached are transcripts from XXXX and XXXX in trying to resolve this issue
Consumer complaint received 2017-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc. (SC)

Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
Consumer complaint received 2021-09-10
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. (MI)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2020-09-11
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. (MA)

Good Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX  and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )
Consumer complaint received 2017-10-01
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. (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.
Consumer complaint received 2017-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc. (IL)

I have contacted this company in regards to a bill that was owed. I asked for validation and this is what they sent me. None of the information was in my name. I clearly shows it was a application in XXXX XXXX. They changed the name to XXXX XXXX. When I explained that was not me she stated yes it was and we had a argument. I asked for validation forms of my name and social on the paperwork and this is what I have received. Again the name and social are not mine and yet they entered this on my credit report and I spoke to them. I do n't even know the address listed on the application. They sent the correspondence to my PO BOX . Also, since action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : Bank of America - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NM)

I am writing to formally dispute an account that appears on my credit report, which I believe is fraudulent and inaccurate. The details of the account in question are as follows XXXXXXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and discovered the presence of the aforementioned account, which I firmly believe is the result of identity theft or fraudulent activity. This account is causing significant damage to my credit score and jeopardizing my financial standing.
Consumer complaint received 2021-07-08
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)

I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX 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. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.
Consumer complaint received 2018-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (DC)

The robocall says it's from Harris and Harris Ltd and that it's a debt collection company. The recording asked me to call a XXXX number, XXXX. That is not the number the BBB has for this company. This is my second call from the same source. I have no outstanding debts with any company. I have never heard from them or any other company by mail about an outstanding debt. I have looked up the number and the alleged name of the company and have found that others receive the same type of calls. 

I have absolutely no intention of calling them but I would like whoever this is not to call me again.