davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I am writing to express my deep concern and frustration regarding the ongoing battle to recover my identity and the credit bureaus refusal to remove inaccurate information from my credit report. Despite providing you with an identity theft report, and informing you about the Data breach with Equifax the incorrect items remain, severely impacting my ability to secure housing and obtain financing. 
I have made numerous attempts to address this issue through various channels, including filing a complaint with you the Consumer Financial Protection Bureau ( CFPB ), in the hopes of finding a resolution. However, the lack of action and assistance from the CFPB has led me to take the necessary steps towards pursuing help outside of the CFPB I have provided you with the appropriate documentation to support my claims. I expect that as a Protection Bureau, you adhere to the highest standards of accuracy and fair reporting from these credit bureaus. 
Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I look forward to a swift and satisfactory resolution to this situation and expect your prompt response.
Consumer complaint received 2019-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I had a medical debt that went into collections with MBA law collection agency. The balance was from XXXX XXXX XXXX hospital in Florida for the XXXX  of my son. I paid {$5000.00} in advance to my XXXX  for my XXXX   and XXXX. I then paid any additional statements I received from the hospital. I moved shortly after the XXXX of my son and never received any additional statements despite having my address changed with the post office. 
When I attempted to buy a car I checked my credit online and found a collection account from the hospital. I was denied a loan for a car due to this. The hospital never responded to my repeated requests for information and neither did my obstetrician. 
Defeated and fearing for the credit score I had worked so hard to obtain, I worked out a payment arrangement with the collection agency and have paid consistently and paid my agreed upon balance due over a six month period. 
I went online months later to check my credit score so I could try again to buy a car and found that MBA law has opened a second collections account for the same balance I have already paid off! They never removed the account I paid off and they also opened a fictitious account ( with the same original debtors information ) under their partner company ( XXXX  ). Now I have three separate accounts in collections for my one original debt that I was so excited to have finally paid off. I have not received response from MBA law,  XXXX or the original creditor when I tried to find out why they keep sending me to collections for the same original balance due. 
I even attempted to settle the amount with the hospital if they would only share with me the details of the debt. I have no reason to believe this is an accurate balance due, but they are affecting my means of transportation and therefore my ability to provide financially for my family. Here I am several months later still trying to find answers and I have come up empty handed and begging for rides from friends and family. Please help me.
Consumer complaint received 2023-01-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 2023-01-11
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: HW Holding, Inc (FL)

I have a COLLECTION DEBT on my credit report from a company called " HUNTER WARFIELD INC '' I do not know what this is. I have never had any account with them or any kind of binding contract with this company. They keep reporting the collection onto to my credit report and the debt amount keeps getting higher. I have researched the company to see what it was and I have no knowledge of this company. The reports they are making to my credit report is hurting my credit!! They are continuously reporting to my credit. This company needs to provide proof of any contract or anything account I had opened with them. I have tried to dispute this collection company off of my report with XXXX and it will not go away. They are attempting to collect a debt from me that I have no knowledge of.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (VA)

This company, Bridgrcrest calls multiple times a day harassing me constantly. They do not stop. They use the tactics to intimidate and scare people into agreeing to payment plans that are not attainable. They have also called my family, who are not on the loan stating that they need to speak with me about an important business matter. This goes on ALL DAY LONG. I am sick of them harassing and trying to intimidate me. This should not be allowed. I am asking the Consumer Financial Protection Bureau to step in and investigate this company and their collection tactics. Im not even a month behind and they call me, my mom, and my sister ALL DAY LONG. We block the number and they call from another toll free number. Ill be happy to show all of our phone logs to prove their illegal practices
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXXDEPT OF ED Account number XXXX 15 USC 1681 Section 602 states I have a right to privacy. 
15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) states a creditor may not treat a payment on an account as late for any purpose.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (AR)

In XXXX I found out that I have a fraudulent utility bill in collections with a company named NATIONAL RECOVERY AGENCY by way of a XXXX XXXX XXXX. I contacted XXXX XXXX and told I never even lived at the address they had in New York as well havent lived in New York since in high school. They tell me the collection agency has to remove it because wits been sold to them. I contacted the collection agency and they gave me the run around and this is CLEARLY IDENNITY THEFT when this even even my information or state I live in. They have used my social and name to open accounts in New York and I want it REMOVED off of my reports immediately. This is my last attempt before this goes legal as I have NEVER had any utilities in the state of New York. I havent lived there in DECADES
Consumer complaint received 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (AL)

My name is XXXX XXXX and I live in the mobile home purchased by XXXX XXXX and XXXX XXXX. in XXXX Alabama. The mortgage is between them and Triad Financial Services out of Florida. The property has been " Closed on '' for over a month yet Triad refuses to pay the mobile home company, demanding instead for additional employment information after the fact. Even after that information is provide their response is Let me check on things. As a direct result of Triads breach of contract in paying for the mobile home the mobile home company can not have contractors install water and sewage. For the past month we have ( I have ) been living in a mobile home with no water, or sewage. As a direct impact of Triads breach of contract and failure to conduct business all of our other utilities were greatly delayed as well. My name is not on the mortgage but I am directly effected by their refusal to pay and continued breach of contract. 
Regardless of any circumstances, XXXX and XXXX both signed and agree and are willing and able to pay back a mortgage. Triad signed and apparently is unwilling, unable to uphold their end of the contract. 
Their failure has resulted in financial burden upon myself, XXXX XXXX, XXXX XXXX, and the manager of the mobile home company. Immediate resolution and restitution is needed for this matter.
Consumer complaint received 2021-09-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CreditNinja Lending, LLC (TX)

On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance. They stated they were going to report me to the credit bureaus if I didn't buy them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/XXXX.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (SC)

On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX  was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available. 
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.
Consumer complaint received 2017-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was a police report submitted to Bank of America. A supplement was submitted too to Bank of America. Bank of America did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of America is not addressing the issue. 
Payment was made thru a XXXX XXXX Bank account given by this company call " ALSO XXXX XXXX '' and was reversed three weeks later. 
Bank of America is still sending monthly statement with extra charges on interest adding on. XXXX XXXX XXXX do not owe Bank of America any monies. XXXX XXXX CREDIT CARD ACCOUNT WITH BANK OF AMERICA WAS CLOSED MANY MONTHS AGO!!!!!!! 
Bank of America should reverse back the debit on XXXX XXXX credit card account back to XXXX XXXX Bank account wherein the payment was reversed. 
This had been an ongoing dispute XXXX XXXX have been complaining on this fraud with Bank of America. 
Bank of America had been asked to remove charges on XXXX XXXX billing and it seems it was not done and Bank of America refused to acknowledge her complaint. 
All sorts of complaint had been filed with Federal Trade Commission, CFPB, California Depart of Justice, Federal Bureau of Investigation. 
Again, XXXX XXXX XXXX do not owe Bank of America any monies. 
The gifts cards were all consumed by the thieves per XXXX 's security department. 
Bank of America should have discontinue the billing process that this isa fraud case in dispute and in the process of investigation. 
XXXX XXXX XXXX do not owe Bank of America any monies.
Consumer complaint received 2021-08-12
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)

I am filling this complaint case to make sure that Experian will take the necessary action regarding my concern. I have been a victim of XXXX Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX  bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX  XXXX
Consumer complaint received 2019-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (TX)

XX/XX/XXXX workmans comp. Went to ER. I had several medical bills that came in. XXXX  XXXX XXXX said they were working on them. One of the Bill 's was XXXX XXXX XXXX XXXX XXXX. I only got 1 bill from them so I thought that it was paid finally. Then in XX/XX/XXXX on my credit report was that amount but it was a different name " Head Mercantile ''. So I called from my credit report and tried to talk to them since this was a workmans comp bill but the man was rude, verbally threatening. He called me a liar about it being workmans comp. He would not help with information about the bill. Except keep telling me that he would do any and everything possible to get the money. 
XXXX XXXX  XXXX XXXX XXXX hired Head. I eventually found out " XXXX '' found out that it was workmans comp and not self pay. They filed with XXXX XXXX yet leaving Head after me for the bill. I have talked to " XXXXXXXX '' and have an updated bill but " Head '' will not accept the bill nor will they remove it from my credit. I'm attempting to buy a house but my credit scores have dropped because of the derogatory bill against me. I'm XXXX XXXX   XXXX veteran on limited income and this is what no one will help me with.
Consumer complaint received 2020-05-27
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. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXX  XXXX {$380.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$3500.00} XXXX XXXX {$220.00} XXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX  XXXX  XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXX XXXX DISSMISSED
Consumer complaint received 2023-01-11
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: Self Financial Inc. (KY)

In accordance with the Fair Credit Reporting Act, SelfXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-11-10
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: VANDERBILT MORTGAGE & FINANCE, INC (TX)

As of XX/XX/2019 and disputes handled through CFPB Vanderbilt Mortgage agreed to the deletion of my credit trade line with them due to ongoing innaccuracies being reported. 
As a result Vanderbilt has submitted a letter to all major credit bureaus regarding the deletion of this trade line. Since this time XXXX  continues to say the incorrect information has simply been updated and has failed to remove this trade line. Even after being provided a copy of the letter from Vanderbilt on several occasions. XXXX  explains that upon disputing this information the update info based on what Vanderbilt gives them. However Vanderbilt states they have not updated any information since providing the letter to delete trade line
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX  and the company has provided false information to XXXX  stating I have an existing obligation to them.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX and the company has provided false information to XXXX  stating I have an existing obligation to them.
Consumer complaint received 2019-11-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

MAY, REPORT UP TO 10 yrs. " UP TO '' is the wording stated in your review of credit reports, interpretation means, at ANY TIME, any disputed or stated item on a credit report can be removed at any time from initial report ( day one ) UP TO 10 years.
Consumer complaint received 2017-09-15
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: Experian Information Solutions Inc. (FL)

I have been sending correspondence to XXXX  since XX/XX/2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
Consumer complaint received 2021-04-02
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. (NC)

Company which is XXXX XXXX XXXX account number XXXX used my credit to report improper information to report information to the credit bureau in the amount of {$2700.00}
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Over the past 3 days I have input my information into the place a freeze and all but once they can not process the information, try later. Finally I got past that point and they recognized my record and stated need to pull more info up - and then popped up the message can not process the information, try later. Tried later, got to second screen and it is asking me to clear a freeze when their system has never allowed me to place a freeze. And if their system believes it has a freeze - I have not created any passcode or method to unfreeze it so I need help. Try calling for help and get stuck in auto voice XXXX - The credit service that caused us to have to do this can not get it done - got the other two done in 10 minutes total time - pushing 4 hours with Equifax. They should have manpower setup to help resolve these issues as I can see from the web that they are totally failing the consumer now.