davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/XXXX my bank account was debited for XXXX without my authorization. In talking to the bank the Legal Order was ordered by Portfolio Recovery Associates. I received a Notice To Defendant to my father 's address dated XXXX/XXXX/16 for an amount of {$6000.00}. 

I have no idea why this judgment was entered and what this is for. 

I lived with my father for 6 months but did not incur any debts, did not make any purchases and I 'm not familiar with who Portfolio Recovery Associates is. 

Now I have no money to feed my son and no money to pay my rent.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Opportunity Financial, LLC (MO)

Financial phishing!!! Was getting XXXX hang-up calls a day from XXXX, for several weeks, finally did a dial back and it was this company Opportunity Loans. Told them I was on the No Call List and wanted no further calls. Was told they were calling about my loan application and would need last XXXX of my SSN to pull ; advised I did n't have an application so my SSN would do them no good. Advised they could use my phone number to remove from their call list and any further representation that I had a loan application was fraudulent. Since that XXXX conversation I have received XXXX more hang up calls. I also received XXXX messages left from the same company on a toll free # XXXX, ignored the XXXX thinking it in error, the XXXX came in on XXXX, my conversation with the rep XXXX went much the same as my original conversation, with them insisting they needed SSN info to stop calls ; thus far I have not received further calls from this number- yet. I believe this particularly egregious phishing may have been triggered by my recent HARP process with my bank as I 've gotten a number of mail offers since then, but these folks just wo n't stop even after I told them I was a XXXX ( in credit & collections, no less ) and I worry that given the list the calls are apparently are being generated from they may take XXXX of someone who is at their most vernarable.
Consumer complaint received 2020-10-19
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2019-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I walked inside the bank like 3 years ago to open a account and I was denied because of fraud done by some lady open a account with my information and every bank I go to I am denied a account this is unfair because of someone's actions not mine I need this resolved it's been 4 years and I haven't never had a bank account
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I have XXXX accounts on my credit report. They both should have a XXXX balance and they do not. XXXX is XXXX, I have asked equifax for over a year to investigate they keep coming back with their information has been verified and is correct. It is not correct. The XXXX account is XXXX wireless which I have been fighting them for almost a year as well, and that account has a XXXX balance. I have asked for the method of verification and they do not provide that information. Their results for their investigation comes back within days so it is impossible for them to verify within that time frame. They need to remove the accounts from my credit report. This has gone on far too long and is keeping my credit score low because of XXXX. That is causing damage for me to refinance my house. Equifax is not able to provide accurate information and the public should know.
Consumer complaint received 2023-04-03
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. (NC)

This complaint shall be considered a follow-up to my filing of complaints dated XX/XX/XXXX, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-03
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (LA)

According to XXXX XXXX, this debt collection is fraudulent by selling debt that was not signed with the wet ink blue signature of the consumer. According to all the consumer laws this is fraudulent and soliciting false fraudulent debt practices that was bought cheaply to acquire debt.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MN)

My current balance as ofXX/XX/XXXX is {$57000.00}. On XX/XX/XXXX, I received a letter from XXXX for my XX/XX/XXXX application that is still processing discharge. XXXX discharged {$26000.00} of my Federal Loans. However, all of these loans were consolidated back in XX/XX/XXXXwith XXXX, now MOHELA. In the attached letter it states : " Consolidation - If any of the loans associated with your approvedXX/XX/XXXX application were previously consolidated into a XX/XX/XXXX the servicer of that loan has reduced or will reduce your consolidation loan balance by the discharge amount. '' My loan with MOHELA has not been reduced by the amount in the letter. This needs to be corrected so I can have a correct balance when entering repayment.
Consumer complaint received 2023-04-03
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. (FL)

This complaint is my follow-up to ensure that the erroneous items in my file are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

I disputed the listed items in my previous complaint so I am complaining again for their erroneous information
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (CA)

I was sent a judgment against me at the beginning of XXXX from XXXX about a XXXX card that was opened in my name in XXXX. At the time of this store card being opened I was in high school. I have ran my credit report numerous times since XXXX and this charge has never came up or any paperwork or bills were sent to my home. Midland Funding LLC is currently garnishing my wages for an fraudulent account. The name on the account doesnt even match my name, and the billing address Ive never lived there. I have also submitted a police report for identity theft.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.
Consumer complaint received 2018-03-18
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. (GA)

I am sending this letter in regards to the fraudulent accounts your company listed on my credit report. I am disputing the accoutns as internal disputes, and I am sending this letter as an affidavit. The accounts seem to be an error and I am demanding that you remove the accounts within 48 hours of receipt. According to HIPPA you have violated my rights and have violated my rights within the FCRA sections 609, 611, 612. I have contacted you several times about this incident and you have ignored my certified letters from the past dating back since 120 days ago. I really dont appreciate how your company is treating me as a consumer and I have contacted the FTC, and my attorney generals office. My next step is to go file a lawsuit upon your response. I dont appreciate the disprespect and the ignoring you have done. The fraudulent/error accounts that your have been reporting are XXXX XXXX, XXXX XXXX XXXX XXXX. I also noticed fraudulent inquiries as well and I am unaware of the errors you are reporting. XXXX 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 6XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX 1XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7.XXXX XXXXXXXX 8. XXXX 9. XXXX EXPERIAN :
Consumer complaint received 2023-04-03
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVIC XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2016-08-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a HSA account with Bank of America, I called to close my account. 
The first lady said no problem, she would transfer to to my BoA checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian is obligated by the FCRA to report accurate accounting, I, the consumer has advised that XXXX account listed was not authorized by consumer. I am now requesting Experian to provide the documentation used to determine account was indeed authorized by the I, the consumer. Experian has 10 days to provide me with the name of the person spoken to documentation used, signed application with my wet ink signature, I am not asking for an e-oscar report. If Experian does not have documentation to show this account was in fact authorized it must be removed ASAP. per 20 USC 1232G section ( b ) Release of education records ; ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information ) said companies are in violation of this law along with 15 usc 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
No one has gotten my written consent to report XXXX account ( please provide all WRITTEN DOCUMENTS FROM MYSELF that gives you consent to do so ) I will be filing form 211 treasury omb to audit my account. Experian is securitizing I, the consumer data, yet refuses to provide me with a copy of my CONSUMER CREDIT FILE NOT REPORT
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OK)

I was closing on my house and got a call that I needed to wire the money over once I get the email. ( Which was real ). 

Later on that day I got an email that asked me to wire the money over. I did and called them afterwards and they said they didn't get the money.. Come to find out, their email was hacked into and I end up sending the money to another back. XXXX. I called my bank- BOA right away and they said they will look into it and try to get money back... I been calling them almost everyday and its already XXXX and they still say its pending. I feel like they are just telling me that to have my stop calling. Its not cool that this guy, XXXX XXXX ( PNC Bank XXXX got all this money and I am over here fighting my bank. I have XXXX kids and dont have time to call them Everyday. Please help.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

XXXX XXXX  has called me 5 times before XXXX XXXX  today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! 

The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same account.