davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NC)

I received an email from MoneyLion ( issued by XXXX ) on XX/XX/2021 in my personal XXXX account states that " Your new MoneyLion Debit Mastercard is on its way ''. Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. I called MoneyLion XXXX XXXX XXXX on XX/XX/2021 and spoke to a representative, XXXX XXXX, once she verified some basic information about myself, she was able to close the unauthorized XXXX  account ( checking account ), and sent me an email. As my understanding, my identity information ( name, date of birth, SSN, address, email ) was stolen. I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I placed fraud alert on XXXX, XXXX, XXXX, and XXXX. Thank you in advance. Regards,
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

In XX/XX/2021 I sent information to all three credit bureaus regarding a bankruptcy that was being inaccurately reported on my credit report. After contacting the Bankruptcy court I sent proof stating the information was inaccurate and that the bankruptcy court does not report such information to credit bureaus. I will attached the information that was provided to the credit bureaus.
Consumer complaint received 2021-01-30
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. (NJ)

XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  REPORT.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

when I log on line XXXX or go to the phone they would call me all day and all night on my phone number XXXX and XXXX to ask me to buy stuff and aply for new creit cards and on my creit score I have an old creit card on ther estated back in XXXX called capital one
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2022, I opened a new checking account with Bank of America and deposited a check issued by my previous bank XXXX XXXX XXXX XXXX XXXX  ) for {$2700.00}. A few weeks later, I received my debit card in the mail and when I went to activate it, I learned my account had been deleted. I went into a local Bank of America branch and they told me my account had been closed but they were not completely sure why. Several weeks and phone calls later, it was confirmed that my account had been closed due to a problem verifying my identity and that the funds from my account would be sent to me in a check via mail. I still have not received my check, and have called Bank of America several times for an update with no success.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (MS)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (WI)

This debt collector called me and left me a detailed voicemail trying to get ahold of my brother. The detailed voice message discussed a debt he had with XXXX XXXX and to call them back immediately to set up a payment plan for the owed debt. It is my understanding this practice is illegal and a debt collector may not contact family members to discuss a debt or give details about it only to locate my family member and call once. In this case, the debt collector had divulged the details of my brothers debt and who it was owed to.
Consumer complaint received 2021-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (NY)

PLAZA SERVICES, LLC IS in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving of dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

I sent out Affidavits of Truth twice. XX/XX/2021 and XX/XX/2021 Addressing the comments from the previous complaint that has been closed ( complaint # XXXX ), a contract isn't a validation of debt according to 15 usc 1692g. 

You also do not have my permission to furnish any information on my consumer credit report. ( 15 use 1681b ( 2 ) ). You also can not state that I owe your company anything ( 15 use 1692b ( 2 ) )
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

For the last XXXX days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have XXXX inquiry on XXXX, and I have XXXX inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The XXXX following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the XXXX following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last XXXX days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX XXXX XXXX Bank Balance {$150.00} XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All XXXX of these illegal accounts were opened within a XXXX  day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these XXXX items off all XXXX bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX Equifax, XXXX Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
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: EQUIFAX, INC. (MI)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-05-03
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. (MS)

Not too long ago, i attempted to apply for a credit card and on XX/XX/2021 i was told that i have XXXX credit ( on equifax ) so i am unable to do so. This is not the first time i was told this. Over the years only my XXXX XXXX score will show up so it looks as if i have no credit. This has stopped me from acquiring a car, loan, home, etc. without a co-signer.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY TRANSUNION REPORT.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NM)

I noticed that the XXXX and XX/XX/XXXX mortgage payment was reported late on my credit report. On XXXX I contacted XXXX at Wells Fargo and was told that my account was never more than 30 days late. I was told I would receive a letter stating this and that those items would be removed! However I received a letter dated XX/XX/XXXX stating that they could not remove the late payments stating I was late for XXXX and XXXX of XXXX. They also had incorrect dates on this letter as the house was sold on XX/XX/XXXX of XXXX and they had late payment of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also stated in that same letter that they reported XXXX and XXXX of XXXX as current and paid on time! Yet my credit report states that XXXX and XXXX of XXXX were late! I called back on XX/XX/XXXX and spoke with XXXX at extension XXXX and told him that I still needed a letter stating the truth which was that XXXX and XXXX of XXXX were current. It was on the letter dated XX/XX/XXXX but it was confusing as they stated they wouldnt remove or fix it, but then stated they reported it as current on those dates and its reflects on my credit report, which is not so! I also told XXXX that the dates of XXXX, XXXX, and XXXX were not accurate since the home was sold in XXXX of XXXX and those dates were XXXX. XXXX stated he would send a letter. On XX/XX/XXXX he sent a letter with a history of conversations but nothing stating the truth of the inaccuracies! These issues are causing me hardship in purchasing another home for my family of 6.
Consumer complaint received 2021-01-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Lender bank of America has made a late payment entry for my auto loan, which is not fair because I was given misleading information by a customer representative when calling a ) for the first time post origination of the loan to set up automatic payments and make my first payment b ) when I realized a late payment appeared on my loan to resolve the issue being under the impression that it had been resolved. 
Regarding a ), I called to make my first payment in spring 2019 and overpayed as well as authorizing the agent to take future payments automatically from the same account. The agent on call ( a ) confirmed. However, the overpayment amount was not applied to the principal of the loan and automatic payments were never set up. Agent on call ( b ) did not understand the matter and just pointed out that I wouldnincur additionalmlate payment fees if any of the past payments were altered and applied as I the consumer had requested. 
This is misleading at best, potentially predatory and definitely does not encourage consumer trust.
Consumer complaint received 2017-12-18
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. (FL)

The Following Accounts are not being Investigated by Experian! EXPERIAN IS SENDING ME FAKE RESULT! THEY ARE NOT CONTACTING THE SOURCE! 

The Following Accounts Do Not Belong to Me! Please Delete them! 
XXXX XXXX # XXXX - This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX # XXXX This Account is Not Mine! XXXX XXXX XXXX # XXXX This Account is Not Mine. Chapter XXXX Bankruptcy Docket # XXXX The Docket Number is Incorrect! XXXX XXXX XXXX XXXX # XXXX This Account Is Not Mine! XXXX  XXXX # XXXX This Account is Not mine! XXXX XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine. XXXX XXXX XXXX # XXXXThis Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Dated Opened : XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX, Date Opened:XX/XX/XXXX- This Account is Not Mine. XXXX XXXX # XXXX This Account is Not Mine.  XXXX XXXX # XXXX This Account is Not Mine.
Consumer complaint received 2023-02-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my Federally Protected Rights to privacy and confidentiality under 15 USC 1681. # XXXX # XXXX # XXXX # XXXX. 15 USC 1681A. States that I have the right to privacy.. 15 USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1691. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681b permissible purpose of consumer reports, The Law Clearly States : subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-02-23
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. (MS)

I submitted a complaint to the CFPB in response to Equifax completing an investigation about incorrect information on my consumer report. I asked the corporation to send me a description of the investigation they had conducted concerning the incorrect information. Reference number XXXX. I have not received those results for that investigation. Equifax is defaming my character and my credit worthiness. The incorrect information is still reporting. I have already filed XXXX complaints with the CFPB against Equifax.
Consumer complaint received 2022-04-26
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: CURO Intermediate Holdings (AZ)

The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX XXXX  but yet remains on my report. Ive spoke on the phone over XXXX times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an account with Capital one and in XXXX I paid off the balance of {$91.00} payment was due XX/XX/2018 and apparently it posted to account 1 day late XX/XX/2018. 
i was incurred a late fee XXXX plus interest which I did not realize and because there was a balance there was a payment due in XXXX plus a another late fee of XXXX.plus interest balance increased and there was a payment due in XXXX plus another XXXX plus interest. Additionally they also added a member fee of {$39.00} so now that total balance went up to {$120.00} I called to find out if this can all be clarified and taken care of after speaking to 3 different people I was told there is nothing that they can do to help me. 
I was also informed that they are on XXXX  time and they have a early cut off so even if you are paying the payment on day it's due if you pay after a certain time its considered late. I was not aware of this process and explained to Capital one rep that I did not know this. Despite this fact I am being forced to pay all these fees. 
on top of it they reported me to credit agencies.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc. (FL)

Hello, I have made several phone calls to this agency and I have written and mailed certified/notorized letters regarding this debt with no relief. This debt was for furniture that I paid monthly for and I have my payment receipts to prove payment. It is showing on my credit bureau report as a collection. I have filed disputes with the credit bureaus and again have had no relief with them removing it. I dont know what else I can do to get them to close the collection account and remove it from my credit bureau report. This purchase was in XX/XX/2014. Can you please assist me with my case? Thank you