davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, XXXX, and U.S. Department of Ed violated my 609 rights by reporting incorrect information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.
Consumer complaint received 2020-08-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-28
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. (LA)

XXXX XXXX allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my Experian credit report. XXXX has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

Experian has deleted this item on XX/XX/XXXX report # XXXX, which they verified with XXXX XXXX that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

XXXX XXXX also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand XXXX XXXX to stop contacting me about account # XXXX and remove their negative reporting from my Experian credit report.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (MI)

On XX/XX/2018, I received a letter from The XXXX XXXX XXXX, XXXX stating that they had previously sent me a notification of a debt that was owed by me in the amount of {$180.00}. I never received the first notice regarding this debt, and therefore was not afforded to opportunity to validate the debt. The notice also states that they first mailed me a notification of this debt on XX/XX/2018. That day was a Sunday, so they could not have mailed anything to me on that day.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

My ex husband opened accounts under my name when we were married in 2017. We went through several years of court to have all the fraudulent debt reassigned to him, none of this debt is mine. I was not involved in the account and I did not give consent an opening the account. My ex-husband filed bankruptcy, and everything that was involved in his fraudulent crimes were supposed to be included in his bankruptcy. This company has harassed me for years, putting false statements on my credit report even when Ive called and talk to them multiple times, and begged them to please reevaluate, considering it is not mine or my debt. They refuse to work with me and continue to lie about the status of this account. They have been abusive and they have been absolutely uncooperative. Its under a name that is not even legally mine, I do not live at the address. It was attached with, the years that it says it was used are absolutely inaccurate for anything I couldve used. Hundred percent is not my account and was not my opening or closing. This is not my debt and it needs to be taken off of my credit card immediately. Ive attached multiple screenshots of years of disputing this account, begging them to take my this off of my name and social security number. They have bullied me, threatened me and lied on my credit report for so many years. Im a XXXX patient who is struggling to raise my credit because this company keeps lying. The next step is to call the police.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  XXXXXXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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. (MO)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (ME)

I have multiple medical collections on my report where it's older then 7yrs and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.
Consumer complaint received 2020-04-28
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2020-04-28
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: CITIBANK, N.A. (GA)

During the months of XXXX to XX/XX/XXXX there were fraudulent charges on my account. My XXXX card caught the change in charges, but Citi did not. I had an average of $ XXXX {$300.00} per month on the card. In XXXX of XXXX there was nearly {$2000.00} in charges. Over the next two months the charges came up to over {$6000.00}. At no time did Citi question any of these actions. I am an old woman and trusted the company that I had been with since XXXX to look out for these types of things. I have been attempting to work with Citi on this since XXXX of XXXX when we started getting things organized. I have trouble doing these types of things so I had my daughter come in from out of town to help. We called Citi and spoke with someone in XX/XX/XXXX. We finally had copies of all the statements and went through everything we knew were fraudulent charges. The person we were speaking with did not speak good English, so we requested an email to send the document in to. This was done in XX/XX/XXXX. For the next several months we went round and round with Citi, they claiming they never received it, then they found it, but they have to send it to another department, then that department doesn't know anything. We were finally able to speak with someone who spoke English and went over each charge individually over the phone. The charges were removed, but not the interest that had accrued on those charges. I had been making the minimum payment still on this card through XXXX of XXXX. 

I sent a certified letter with copies of the original email I send, a letter outlining everything, as well as copied of the statements. This was done on XX/XX/XXXX. We have not gotten confirmation that they received it nor received any communication beyond telling me they're going to file this as non-payment on my credit report. We have requested to them that they only communicate via mail or email as each person we talk to knows nothing as apparently no one puts notes on anything at all. 

They also kept questioning on the reasoning of " taking so long to report this ''. I have been working on reporting this since XXXX of XXXX, with more effort being able to be made in XXXX of XXXX thanks to my daughter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2019, Capital One reported a charge-off of {$1600.00} to XXXX, XXXX XXXX This WAS NOT a case of my writing checks against my account. Capital One deleted an external account that was used to transfer funds in to my Capital One account. I had a number of automatic payments to creditors set up. Since Capital One deleted the external account, I was not aware that my account had not been funded. I had no way to fund my Capital One account without that external account as I was not anywhere near a branch. In spite of a low balance, Capital One kept drafting my account to send out payments to these creditors, knowing there wasn't enough funds in the account. After repeated attempts to resolve the issue, Capital One agreed they were in the wrong but would only reimburse two of the overdrafts. Additionally, since this occurred, Capital One changed their policy and no longer charge overdraft fees yet I am being reported to XXXX for a policy they no longer enforce.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ME)

I was contacted by a person representing himself as an attorney soliciting his services to get me out of credit card debt. XXXX XXXX XXXX charged my Sears XXXX XXXX for fees. I disputed with credit card company and the charges were removed. XXXX then sent a credit card authorization form to XXXX and forged my signature on the form. The credit card company put the charges back on my account and informed me they reversed the previous credit as they were not contacted in timely manner no recourse available to recover the funds
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

Me and my husband contact the company National Credit System because we received many letters and calls about a debt collection owed with approximately amount of {$1500.00} but we paid in full in XX/XX/2017 direct with XXXX XXXX the company with the issue but this people want we paid double, and I try send the evidence by fax but their collector XXXX XXXX was rude and she gave me a wrong fax number, and now this company public in our credit the collection.
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. (IL)

I discovered on XX/XX/XXXX that my XXXX account was reported as suspended while updating my XXXX credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my XXXX account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact XXXX on XX/XX/2024 at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.
Consumer complaint received 2022-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX with GAP coverage. I refinanced the vehicle to another lending company due customer support issues with BoA. I have not received a refund for this GAP coverage and the dealer & lender are giving me the run around. This GAP coverage needs to be refunded as the timeframe to legally process these refunds has passed.
Consumer complaint received 2021-07-14
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. (NV)

I was a victim of identity theft and i have a bunch of accounts open in my name that is not mine. I already try contacting the bureaus but they didn't help me and they're customer service was rude. I also submitted a XXXX  report and affidavit also letters with all the items that were not mine.
Consumer complaint received 2020-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been refused banking services due to unreasonable credit score reported by Transunion which is inconsistent with information on my credit file with them. 

As you can see my credit score with XXXX is XXXX, XXXX XXXX but is almost FIFTY/ 50 points lower at XXXX with transunion for the EXACT same set of financial data!! 

I have tried to file a dispute with them but they require a paid membership before any dispute can be submitted which in and of itself is complaint worthy. 

I have a copy of the report from my credit card company ( XXXX XXXX ) who pulls my report regularly from them, you will see both attached to this document. 

I would like TransUnion to fix my credit score.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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