davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (SC)

I had a car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this  derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I attempted to withdraw funds from my Edd acct and was informed I only had XXXX $ left in the acct. A withdraw for XXXX $ and another for XXXX $ were withdrawn on XX/XX/2020, somewhere in XXXX, Ca. I live in XXXX XXXX, Ca and have never been to XXXX, Ca. Attempted to contact someone form the phone number given on EDD card, finally filed a fraud claim and was denied. I did not make these withdraws and need these funds to live during this COVID 19 pandemic.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 Ive sent documentation about those accounts unknown and inaccurate on my credit report. Its over 30 Days today but I haven't received a response. I was a victim of XXXX  Data Breach. I demand to remove those accounts or I will file a litigation.
Consumer complaint received 2018-03-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (FL)

XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT  XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS XXXX XXXX XXXX
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Since graduating from school in 2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Consumer complaint received 2023-06-12
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 called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all these, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve these issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( JPMCB CARD ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (AL)

I recently requested a reinvestigation of the completeness and accuracy of the list of accounts below : 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 I received my results and there is no way they did a proper investigation because there are several errors still on my credit report as but not limited to : Date of birth, high limits, last payment, the amount owed, and several other errors.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Since graduating from school in XXXX the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/21 I called Bank of America to seek assistance with fees that had been improperly charged to my account multiple times. I spoke with a representative named XXXX who was very rude to me and sought to chastise me instead of treating me with the proper respect. I also spoke with a Manager on XX/XX/21 named XXXX who also did the same. It was shocking to see such extreme rudeness and a general lack of willingness to help a client that has been with the bank for years. The lack of care from these individuals has not only caused me financial distress but has precipitated my unwillingness to want to continue to do business with Bank of America.
Consumer complaint received 2021-06-01
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. (VA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax uses bogus information in their questioner to identify users for accessing their online file and has for many years. The claimed accounts and amounts they use as questioners have nothing to go with the account holders in question. ( Example : never had student loans or car loans ) Mine, my wife, friends and family have all confirmed this bogus questioning for years. 
They deny online access and demand jeopardizing ones personal identity by requiring personal information sent through a antedated ground mail system that losses mail or is easily pilfered for information. 
I have even went through the call in process and was given the same bogus varication questions that had nothing to do with my file now or ever. Only to be told to follow the written process sending in documents. 
In short they are denying peoples free online credit report by requiring answers to questions that aren't in the persons credit report or even related to the person in order to force people to mail in copies of government documents and personal paperwork. At this stage they will still deny the report asking for even more copies of government documents and personal paperwork delaying the access to ones credit report by weeks, months or by needs.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Earm LLC (IL)

The only thing that the company wants is my banking information and social security number. 

They refuse to provide any information regarding the debt without my confirming my social security and address. 

This is highly irregular as there are no outstanding debts on my credit report, and they will not provide any written documentation regarding the alleged debt.
Consumer complaint received 2022-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

MIDLAND CREIDT MANAGEMENT INC. PUCHAED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANS ACTION.

MIDLAND CREIDT MANAGEMENT INC. has been sending me collection notices in the amount of {$2200.00}. They have been threatening to sue me if I do not pay them, and have been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft. Pursuant to18 USC 1028 whosoever during and in relation to any felony violation enumerated in subsection c, knowingly transfers, processes, or uses, without lawful authority, a means of identification of another person shall in addition to punishment provide sor such felony, be sentenced to ter of imprisonment of 2 years. Whoever, during and in elation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or false identification document shall, in addition to the punishment provide for such felony, be sentenced to a term of imprisonment of 5 years.
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (OK)

I lost my brother due to a murder and I got behind on my cc bills but since then I have paid off all my debt and Discover continues to try and keep me from moving on with my life. This has been more than ten years and they continue to have it listed as a derogatory mark against me on my account that it is affecting me from getting a better house and a better house which is costing me thousands in interest e every year due to this hardship that I have been trying to rectify the last 15 years of my life and it continues to linger on my credit report as a sore to remind me that even though I have made the payment it shouldve been removed after 10 plus years because this is obsessive and unreasonable
Consumer complaint received 2021-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TN)

On Tuesday the XXXX of XXXX I received my monthly income via direct deposit. I paid a few bills that I can pay online. At around XXXX I tried to order some stuff for delivery from a local grocery store and was alerted that something was wrong with my card. I went over to my bank account and over half of my income was gone via 3 transactions that I had nothing to do with. There was a charge for XXXX dollars at XXXX. One for XXXX dollars at XXXX and then a final one for XXXX at XXXX. I immediately contacted Current XXXX my now former bank ) to file a dispute and figure out what happened. A few hours later I got an email from them saying they closed the account that stole the money ( it was an account to account transfer thing ) and found XXXX in the account that was immediately being sent to my account. I reached out to customer service again to ask if the dispute was still active or if they were only giving me XXXX when I had XXXX stolen. They said the dispute was closed and that I needed to appeal the decision. So I did. They responded with the following in an email to me ( names have been shortened to first initial for privacy ) : W ( Current ) XX/XX/2021, XXXX XXXX EDT Hi A, Thank you for the follow-up. 

Based on the facts of the investigation, weve concluded that no error occurred. 

Per the investigation : We would never reach out for 2FA or login credentials.

While we understand this may be frustrating, unfortunately, the outcome of the investigation is final. Please note we take our dispute claims very seriously and investigate them to the fullest extent possible. We apologize if the result of the investigation was not in your favor. Let us know if we can assist with any additional questions or concerns you may have.

The Current Disputes Team I never gave out a 2fa code. I know better. Also this was almost devastating, not frustrating as the person in the email put it. I was able to borrow money from friends so I can pay the rest of my bills and my rent. So Im stuck here XXXX in the hole because someone hacked into my account and transferred my money to someone else. I have filed a police complaint and sent current a follow up to the email I posted above. Ive also reached out on XXXX and gotten no where. Please help. Im a single mom and both my daughter and I are XXXX.
Consumer complaint received 2018-03-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX XXXX XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my Transunion and XXXX  report as well.
Consumer complaint received 2018-10-03
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: Alliant Capital Management LLC (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2021-10-22
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. (IL)

My credit card utilization still shows 23 % although the balance is paid and my credit limit has increased. My credit card company reports the status of my account on the XXXX of every month to the credit bureaus. Experian allegedly updates my report daily, however, this information is not being reported accurately.