davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2022-09-09
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. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both XXXX  and Equifax. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on XXXX and listed as closed accounts on Equifax. They should have never been added because the debts with the original creditors was discharged.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NY)

I have a balance on my American Express Card of {$540.00}. I paid them on XXXX {$400.00} and XXXX {$450.00} and I owe them XXXX they called me the other morning at XXXX in the XXXX. I am XXXXyears old, lost my job and am sick. They have been harassing me. They call me two to three times a dayand yesterday besides calling they sent two e-mails a day, I told them when I get my social security check on Wednesday.I will make a payment. Tonight when I called I asked to speak to a customer service rep they would n't let me and kept asking do you want to make a payment and I kept saying no and they finally let me into a rep from XXXX who could not answer my questions I have never been treated like this they also charged {$78.00} interest which the rep could n't find. I find the number calls galling wen I told them my situation an I think it should be stopped .I ALSO HAVE MADE NO PURCHASES since I lost my job on XXXX XXXX,2017
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

In XX/XX/XXXXI sent a debt validation letter to XXXX XXXX XXXX. I asked them for proof that They were bonded to collect debt in the state of Texas and validation of this account. They sent me a bill. They did not send validation of said account. I then contacted the Texas Secretary of State. They verified that XXXX XXXX XXXX is not bonded to collect debt in this state. Texas Section 392.101 prohibits third party debt collectors from engaging in debt collection unless they have obtained a surety bond and filed a copy with the Office of the Secretary of state. XXXX   has has not done this. XXXX XXXX XXXX are in clear violation of Section 392.101
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

My nephew 's birthday was XX/XX/XXXX. I sent him a {$50.00} XXXX XXXX card via Cash App on XX/XX/XXXX. He informed me that the account I sent it to belonged to him but that he no longer has access to it and has a different account that he has access to. I called and spoke with a rep yesterday and was advised that he ( my nephew ) would need to call in himself and they would help him access the old account and get his gift card moved to his current account. 
He called and was advised that there was nothing that could be done, so now the gift card is just sitting on his old account that he can't access. 
Chat support also indicated that he could call in, he has and no one has been able to assist him.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX someone called the credit card company for my XXXX XXXX mastercard, Synchrony Bank. This person verbally changed my address over the phone to a fraudulent  address in another State ( Indiana ). Synchrony Bank did not notify me of this change until 12 days later via a letter in the US mail. I was notified on XX/XX/XXXX by XXXX that there was an address change on one of my credit reports. That is how I found out about it XXXX days later. When I spoke to someone at Synchrony bank on XX/XX/XXXX, he told me that this person used my credit card number and the 3 digit code on the back to identify themselves as me. He said this was all they required for identification. I find it hard to believe that is all it takes to ID someone, but it is what I was told. Any store, or restaurant I hand my credit card to will have that information. I asked Synchrony bank WHY they did not notify me via email that there was a change on my account, and he said they can not do that. I get email notifications for payments, statement, amount due, etc, but they can not email me when the address has been changed. WHY NOT? No answer. I cancelled the account. The fraudulent address was reported to two of the three credit reporting agencies. With the fraudulent address on my credit report, the thieves can request a copy of my credit file to that address. This careless, incompetent and neglectful act from Synchrony bank has exposed me to all kinds of identity theft and financial ruin. It has been six months and I am still dealing with this. One of the credit reporting agencies did NOT remove the fraudulent address from my credit file, even after I received a confirmation letter from them stating that the address was deleted on XX/XX/XXXX. That is XXXX by the way. I already have another complaint on file about that.
Consumer complaint received 2019-03-05
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: Experian Information Solutions Inc. (NJ)

I do NOT have any requisite OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX - Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Consumer complaint received 2017-06-20
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. (AL)

I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both Transunion and XXXX. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on Transunion and listed as closed accounts on XXXX. They should have never been added because the debts with the original creditors was discharged.
Consumer complaint received 2021-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX I ask Midland to provide me with documentation that this debt was mines and all They did was send a pre-legal notice that tell me a snippet of they debt. 
on XXXX, I sent the furshier XXXX notice to verify the debt and they send it to Midland and today on XX/XX/21 they send me a copy of a 1 of my statement saying this debt is accurate according to there records.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NV)

AMEX HAS 3 INQUIRES ON MY CREDIT PROFILE. THE FIRST INQUIRY DATE IS XX/XX/XXXX THE SECOND INQUIRY DATE IS XX/XX/XXXX THE THIRD INQUIRY DATE IS XX/XX/XXXX I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE AMEX TO TO RUN MY CREDIT. THIS IS FRAUDULENT AND IF IT IS NOT DELETED LEGAL ACTION WILL BE TAKEN.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of 2019 Bank of America reported me to the XXXX XXXX XXXX  due to suspicion of bank fraud. Before they reported me I had noticed a negative balance on my accamd I quickly called them to discuss it. I told them to close the account because I didnt use my debit for the past days and I couldnt find it so someone clearly used my debit card to commit fraud on it. I explained to them that I uad lost the card and they told me they were going to close the account and allow me to open a new one. But that wasnt what they  did, they reported me to the EWS and I havent been able to open an account since. I made a dispute about the situation to EWS amd they sent me back a comsumers reports showing what happened and it showed that someone tried to deposit a fake check. Bank of America has no proof that it was me for them to just report like that. The only thing they have is what is on file. They can check the cameras of the atm in Bank of America. The transaction was made through an atm in XXXX, NJ and I live in XXXX XXXX, NJ. I want to be able to open a bank account this isnt right.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-19
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: Consumer Portfolio Services, Inc. (GA)

On  XXXX / XXXX / 2017  a credit inquiry was made on my credit report by Consumer Portfolio  S  that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help.
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (NY)

XXXX   XXXX  -  XXXX  Hard Inquiry from  XXXX   XXXX ,    2015  through Equifax Never Gave my consent for a hard inquiry and do n't even have an account with them.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WI)

I've copied and pasted the demand letter we issued to Block , Inc . 

[ XXXX XXXX XXXX XXXX ] XX/XX/XXXX Block, Inc. ( formerly known as Square, Inc. ) Square Capital , LLC License # : XXXX Institution Name : Block , Inc . 
Officer Name : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Dear Sir/Madam, I am writing to demand the immediate release of funds amounting to {$4700.00} from our Square account. Our company, XXXX XXXX XXXX XXXX, has diligently followed the terms outlined by Block , Inc., as per the email dated XX/XX/XXXX. It was explicitly stated in said communication that on XX/XX/XXXX, the sum above would be made available for withdrawal. Regrettably, despite fulfilling all stipulations, this release has not occurred. 

It has been 90 days since the specified release date, and the funds have yet to be disbursed. This delay is not only in direct contravention of the terms agreed upon but also constitutes a breach of contract on your part. Such actions are unacceptable and have resulted in severe financial hardship for our company. 

At this moment, we demand that Block, Inc. immediately release the sum of {$4700.00} to the balance of our Square account for withdrawal. Failure to comply with this demand within 24 hours of receipt will leave us with no alternative but to pursue legal action. Please be advised that we will not hesitate to initiate a lawsuit in a court of law to seek restitution for damages incurred due to your breach of contract.

We trust that you will promptly and appropriately rectify this matter. Should you require further information or clarification, please do not hesitate to contact us at. We anticipate a swift resolution to this issue and the immediate release of the funds owed to us. 

Sincerely, [ XXXX XXXX XXXX XXXX ]
Consumer complaint received 2022-01-06
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. (CT)

I demand that the following account be verified or removed immediately : The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-06-19
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: BB&T CORPORATION (GA)

On XXXX/XXXX/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my 3 credit reports. I 've already reached out to them directly but to no success.
Consumer complaint received 2022-01-06
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. (CA)

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for Texas XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on XXXX. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called Experian 's Fraud Alert call center and spoke with XXXX. He confirmed that Experian had the same item reported on my credit report with Experian. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to Experian that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that Experian and XXXX ( and presumably XXXX also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.
Consumer complaint received 2019-03-05
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: WELLS FARGO & COMPANY (CA)

For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX, XXXX, XXXX  and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT 600. On my Wells Fargo reply, it said my credit score is XXXX. And the other people said my credit score is past -1200!!!!
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

There are several issues related to this complaint in dealing with Shellpoint. I 'm numbering the issues to ensure each issue is addressed. 1. Shellpoint is in violation of CAHBOR by issuing a sale date on a home while it 's under a work out solution. At issue is this short sale request that has been in process for months. We advised the lender on X/X/17 that our previous buyer had walked due to significant repairs needing to be done on the property and submitted a new offer to Shellpoint on X/XX/17 at which time the file fell under a foreclosure alternative work out program as outlined by CAHBOR. At that time Shellpoint was legally required by law to postpone the foreclosure sale date and they did not. This is violation of state law and Shellpoint routinely violates this law and this practice must CEASE and DESIST immediately. 2. The person assigned to the short sale request at Shellpoint is named XXXX XXXX. XXXX XXXX confirmed receipt of offer on X/XX/17 and advised he needed the junior lien holder pay off letter and that was all that was needed. On X/XX/17 XXXX XXXX advised customer support that he was requesting a 2nd lien mortgage statement ( which he never asked for, he asked for a pay off ). The problem is that on X/XX/17 XXXX XXXX was advised he had the 2nd lien pay off and he stated he would run the numbers for the short sale and they were close enough to the last offer and we should be okay. He never ran the numbers, he did n't do his job and then he tried to cover for his negligence. We had to have another person at Shellpoint write into the notes that the docs were in the system the previous week on the date previously advised for tracking purposes so XXXX XXXX could n't blame us for not getting docs in time. XXXX XXXX then stated on X/XX/17 that it was now too late to get an approval because he did n't do this job last week. This is unacceptable as is unacceptable that there is a sale date scheduled on a property that is a work out resolution status and can not even have a sale date due to CA state law.