davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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: WELLS FARGO & COMPANY (NJ)

XXXX is reporting I am late on a XXXX XXXX  auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also crdt first is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also citicard cbna is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also wf XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc. (SC)

My name is XXXX XXXX, Sterling talent solution   performed a background search on me for employment, and the information they responded back with was very inaccurate! I provided correct phone numbers for former employers, they searched other employers phone number and applied wrong information to wrong employers, this made discrepancy in my application, which made employers I applied for hesitant on hiring me only because of these discrepancy.
Consumer complaint received 2022-03-29
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: AutoNation Enterprises Incorporated (FL)

The company said we were late for XXXX but we were not when we tried to fix it with XXXX. XXXX did the investigation came back and it was the same thing I called the company and asked them how can we be late for XXXX when we paid all of XXXX and it was just turning XXXX. I told them that's not e 30 days late. They reported it on my credit and my credit score went down as a result. the company fails to do anything about it. I even talked to a lady and sent her all the information and still nothing they didn't even get back to me it's like they don't care.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After seeing a {$300.00} new account bonus at https : //promo.bankofamerica.comXXXX ( link is now expired, but screenshot attached ), I opened a New Bank of America Advantage Plus Banking Account on XX/XX/2019 and completed the Qualifying Activities by receiving two direct deposits of {$9000.00} on XX/XX/2019 and XX/XX/2019. 

After waiting more than 90 days from account opening and still not seeing the bonus, I contacted BofA using online chat about two weeks ago. 

They said they would open an investigation about my missing bonus. I have not had any contact since.
Consumer complaint received 2021-06-03
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. (MD)

On XXXX2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-08
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: GreenSky, LLC (NY)

I took a home improvement loan from Greensky in XXXX of XXXX. The Term of the loan was 90 months @ 234 per month on the 9 of every month, with the loan maturing on XX/XX/XXXX with a final payment of 234.50. I made multiple payments because this is a payment coupon book loan I expected the payments to go the monthly payments because there was no penalty for paying the monthly installments early. Greensky applied the payments to the principal instead of applying them to the monthly payments. I tried to get them to apply the monies to the monthly payments and they refused. I told them I thought in order for monies to be applied to the principal instead of monthly payments I had to specify that I wanted it applied to the principal. I didn't pay them the extra monies they wanted because I told them I already made the payments. They made my account delinquent listed it as a charged-off account on my credit reports, even though I continued to make payments but refused to give them additional payments. The current balance on the account is XXXX meaning that the loan will be paid in full before its maturity of XX/XX/XXXX because I continue to pay the coupon book amount of 234.00 monthly. This is totally unfair what they did they damage my credit and my credit score has declined. I hired a credit repair company to try to get this item removed from my credit report and they were unsuccessful. I would like this negative item removed from my credit report because based on the balance this bill will be paid in full 5 months before its maturity date of XX/XX/XXXX
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXXXXXX XXXXDOFED Company Inquiries : XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: States Recovery Systems, Inc. (UT)

States Recovery System # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.
Consumer complaint received 2020-06-02
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. (VA)

I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

Im not allowed to receive personal calls at work and MidLand Credit continues to call my work number. I have contacted them multiple times to have them stop calling me at that number. It would stop for maybe a week, if Im lucky, then it would start right back up again. Its currently XXXX XXXX  and Ive received 4 phone calls from them today since Ive been at work. I got here at XXXX today.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from Self Financial Inc. in regard to a CD account I had with them.

I spoke to a rep named XXXX who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the XXXX & 60 day late payment on my report. 

I spoke to the dispute department @ Self Inc. to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass Loan management. Our mortgage matured on XXXX XXXX. 
1. First issue is that all payments were drawn automatically excluding last payment. We were not notified that for some reason last payment needs to be paid at bank branch department ... there were no communications from bank to us in last payment or transition to closing the loan .... So in XXXX we found out that they transferred our loan to the bankruptcy department. 
2. We paid all of the additional fees in XXXX XXXX, XXXX and since then loan os paid off and at the XXXX balance but we are unable to get lean release or deed of trust from BBVA Compass for our property 3. Customer Support line has no access or visibility to that loan because it is in default department. We can not reach default department by phone, their line has automated recording to leave the message with phone number and they will call back, but noone ever calls back. Our emails to that department go into black hole unanswered with no responses 4. For 4 months we have not been able to get any closure on our issue. They screwed up our perfect credit history by not communicating with us and we are unable to get our rightfully owned title to our real property. Customer support in loan department is horrible. We demand to resort our credit history and clear our property of any leans.
Consumer complaint received 2020-08-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Consumer complaint received 2020-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

XXXX  XXXX ( in collections now ) is saying that I owe {$4300.00}. I clearly already paid off a loan for that amount thru XXXX XXXX ( I believe it was XXXX ) last year. XXXX  XXXX is saying they never received it, but XXXX XXXX says that they sent it to XXXX  XXXX. This is the first item I have had in collections and Im not sure what to do about it ..., I never received any sort of documentation from anywhere, theyre constantly harassing me, I have had to block an endless amount of phone numbers, and neither sides are further investigating on my behalf they rather me just pay them each for a semester of college I didnt even complete 8 weeks of.
Consumer complaint received 2020-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

On XXXX 2020 I did a settlement with a company called XXXX A third-party collection agency working on the behalf of World finance company.They are both are still reporting fraudulent inaccurate information this Account was settled and was agreed to be deleted.I checked my credit report today as of XX/XX/2020and its showing negative for The second month In a row.I have called the collection agency XXXX and I called XXXX XXXX XXXX  in XXXX and XXXX and I told them what the issue was.I was told that they will look into it by the first party World finance when I called XXXX the collection Agency they told me that they would call XXXX XXXX company and get it corrected Two months later XX/XX/2020they are still reporting inaccurately.
Consumer complaint received 2020-08-31
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: EQUIFAX, INC. (MN)

I found an account on my Equifax credit report that doesnt have an account number or creditor name. I called and asked for information and they refused to provide me with details.
Consumer complaint received 2020-10-31
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. (NY)

Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXXXXXX XXXX XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

According to Equifax ( https : //www.equifaxsecurity2017.com/potential-impact/ ), my personal information was obtained by hackers on Thursday, XX/XX/XXXX and now I 'm at risk of identity theft.
Consumer complaint received 2020-08-31
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$530.00}, {$410.00}, {$630.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$530.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account.
Consumer complaint received 2020-08-31
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: EQUIFAX, INC. (MN)

I contacted Equifax after I found a collection account on my credit report with no information ( no account # or Creditor name ). I asked them to delete it for posting this account with incomplete information which is a violation. Instead of deleting the account they added the missing information which is unfair.
Consumer complaint received 2017-12-11
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)

INACCURATE INFORMATION 3 SOCIAL ON THE BUREAU NOT MINE CRA AND HIPPA VIOLATION COSTING ME HIGHER RATES THEY MUST REMOVE THE THOUSANDS OF DOLLARS THEY COST ME EXPERIAN TOTALLY MESSED UP MY CREDIT
Consumer complaint received 2023-01-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

My social security card, ID, and PNC debit card was stolen on XX/XX/2020 at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I was at my friends apartment when people we did not know showed up and went through my purse when I was not around and stole them. I contacted XXXX  and placed fraud on my account. I am going to file a police report and contact the SSA on Monday when they open.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I've continue tried working Experian to remove XXXX XXXX off of my credit file because it doesn't belong to me. But they continue to update instead of removing. I have no knowledge of this account on what Experian is reporting to me. I dispute the items and it updated within a day or two showing that they are taking it in their own hands updating the account. I ask for verification such as ID or signature for proof and verification. I get not result. I complain of there reporting schemes. What do I do when this company keep reporting false information about me? Please help resolve this issue. Did dispute XX/XX/20 results came back XXXX/XXXX/20 no changes or removal of false information.