davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (FL)

I moved after being impacted by Hurricane Irma to XXXX XXXX, FL. XXXX transferred services right away and I returned the equipment. My XXXX Account is in good standing, but due to moving out of county, I  was given a new account number. Old XXXX account closed satisfactorily. I received an alert from the credit reporting agencies that the Cbe Group has placed a collection account XXXX for {$80.00} from XXXX on XX/XX/2018. This is incorrect. I do not owe XXXX anything and due to FEMA relocating me, XXXX was very helpful.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

Citi 's deceptive business practices when responding to customer inquires to close existing accounts resulted in me paying extra in fees and a negative impact to my credit report. I called on XX/XX/2020 to cancel my Citi Prestige card that had an annual fee of {$490.00} annual fee. The sales representative suggested, rather than cancel my card, I switch over to a no fee card. He explained if I switched over, the {$490.00} annual fee would be removed and there would be no impact to my credit report. I agreed to convert my card. After he told me the process was complete, he reassured me I do not have to worry about the {$490.00} payment and I would receive a new card in the mail shortly. 

I received a call from Citi on XX/XX/XXXX asking for a {$490.00} payment. The rep informed me that if I did not pay, they would furnish negative information to the credit bureau about regarding the aforementioned delinquency. I explained the XX/XX/XXXX call. They told me the they had record of it but I still needed to make the full payment today and they would attempt to reimburse me at a later date. 

The XX/XX/XXXX sales rep deceptively caused me to keep my account with Citi open. I am now without {$490.00} plus a negative report on my credit bureau as a result of citi 's deceptive sales practices.
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MO)

I always paid my rent on time. 
I moved out before I was supposed to. 
They are charging me for rent that I do not owe. I was paid in full. I left the apartment in good condition and nothing was broken. My security deposit was taken. I didn't cause damages to exceed what damage deposit would cover. I know this for a fact. The landlord, XXXX XXXX refused to give me rent receipts, because I asked every time and she would make an excuse not to give me any. So, I can not prove with receipts that I paid my rent. I am an honest individual, and do not owe these people any money. I took her to court for bedbugs and XXXX XXXX is retaliating because taking her to court costed her money and she is being deceptive in trying to obtain money from me because she wants to be paid back and XXXX XXXX did this illegally.
Consumer complaint received 2022-04-27
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-04
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3600.00} Date OpenedXXXX Dispute XXXX CARD XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$4600.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCredit card Balance {$530.00} Date OpenedXXXX Dispute XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5900.00} written off. {$5900.00} past due as of XX/XX/2020. 
Account TypeCharge Card Balance {$5900.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$18000.00} written off. {$20000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$20000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$970.00} past due as of XX/XX/2020. 
Account TypeCell Phone Balance {$970.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeFHA Mortgage Balance- Date OpenedXX/XX/XXXX Dispute
Consumer complaint received 2021-11-11
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. (NY)

We have an opened Mastercard account at XXXX XXXX with XXXX  past due since XX/XX/XXXX. 
Although XXXX XXXX, the data furnisher, confirmed they provided, and still provides, accurate data on all months as reported fully paid on time ( see XXXX letter attached ) since XX/XX/XXXX, Experian refuses ( we spent hours over the phone ) to print the whole months paid correctly from XX/XX/XXXX up to XX/XX/XXXX ( see attachements ). The green dots only start to appear on XX/XX/XXXX instead of on XX/XX/XXXX. This omission in the PAYMENT HISTORY MATRIX of the credit history leads other agencies and lenders to conclude that the data are not available in the history before XX/XX/XXXX. This is a lack of accuracy in the representation. As the age of good standing history does matter a lot in the score computations it is absolutely fair to represent the full history with all dots with green points since XX/XX/XXXX in full within the payment history matrix in our report.
Consumer complaint received 2020-12-30
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. (NC)

Hello, I am asking to reinvestigate the accounts that are not mine. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you delete them. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

Since XX/XX/2020 I have been sending dispute letters to Experian to send me verification of two debt collections in my account and they have failed to do so. They keep and saying it has been verified and they havent verified with me or have sent proof that the collections are mine. There are for XXXX. XXXX, XXXX and XXXX XXXX. XXXX  and XXXX   hace removed those collections because they dont have proof that these collections are mine but Experian has failed to do so. 

I have also requested for all three bureaus ( Experian, XXXX  and XXXX XXXX to verify debt from XXXX XXXX and XXXX XXXX which are Charge Off closed accounts. I have requested verification of debt since XX/XX/2020, and nothing has been done. 

For both issues Ive sent letter for them to send me proof debt since XXXX, XXXX, XXXX, XXXX and no verification of debt has been sent back to me.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Had a check wrote to someone, they waited to cash it. I had checked my bank balance at about XXXX am on XXXX and it showed it was XXXX at XXXX i checked again and it now showed a bunch of nsf charges for a check for a XXXX neg when the check went through! I called and asked if would waive the feed! And why it did not show earlier. Was told did not know and could not waive fees. So for XXXX was charged XXXX nsf fees and {$140.00}! I looked at my account more and noticed this has happend more than i realized!!!
Consumer complaint received 2020-11-21
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: EQUIFAX, INC. (FL)

Equifax Unable to access online dispute filing. Had to call. Received email today that results are ready. Extremely hard to access website. Finally got in. Link led me to solicitation of their products. No matter what link I clicked on, could not access dispute results. Neither was credit report available. This is a problem, going on for many years, not only with Equifax but with other two bureaus as well, where the landing pages are all about selling their product instead of helping the consumer to get the assistance they need in a simple, easy to access manner. So fed up of this.
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I attended XXXX XXXX  XXXX XXXX and due to a school closure, all of my loans were forgiven. I have one loan that has not been forgiven and I have not been able to get any information regarding that loan at all. I was told it was consolidated in 2015 but that is all the information that could be provided. I don't know if this loan really belongs to me, why it was not included in the other loans that were forgiven. I need more information and fedloan has not been able to provide any but that is the creditor on my credit report.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

my housing application was rejected based on derogatory notes on my credit report. On XX/XX/19 I Called Equifax to get a copy of my credit report. Their rep gave me a run around and after 30 min. when I asked to talk to a manager he put me on 10+minutes of hold and never returned. I needed copy of report because I was denied housing and needed the issue to be resolved quickly. So, next I went on Equifax website to " request free copy of your Equifax credit report : Online at Equifax.com/FCRA '' ( https : //aa.econsumer.equifax.com/aad/landing.ehtml ) I submitted my info, but at the end, instead of the report I got a message " we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX '' ( see attached ) I called the # but there was no one to talk to and that wasted another 15 minutes of my time. 
I called Equifax # again : XXXX, asked to talk to a manager. A supervisor came online and after getting all my private info told me I had to send more info by mail. I told him I had already applied online and I should be able to access the same info Equifax provided to 3rd party  about me, and I didn't have the luxury of another month or two to wait for the back and forth. Instead of providing the info they provided to 3rd parties about me so that I can contest it, the supervisor hung up on me! 

I am lodging this complaint against Equifax for 1-wasting more than an hour of my time on the phone and acting rudely by hanging up, 2-for deceiving me and others to input private info into website but once they got all that private info, refusing to release the credit report, 3- dragging the matter with no intention to resolve it, while they provided derogatory remarks about me to the landlord, as a result of which I was denied housing. 
Finally, since I already filled out their online application and did call XXXX but no one was available, and since I need this info soon to do damage control, I want Equifax to send me the credit report immediately, by email to ( XXXX )
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (NV)

They called me for a year straight last call was XX/XX/19 rep told me they werent gon na leave me alone because its attached to my name and they have a right to Harass me. I told them that account is not mine but theyre trying to force me to make a settlement for something thats not mine. This was removed from my credit report and a year later they put it back. I told them over and over this is not mine.
Consumer complaint received 2022-11-17
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. (MT)

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. The thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

XXXX XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NY)

After receiving and activating a card on XX/XX/2020 for {$200.00}, two fraudulent purchases were made, one via XXXX for {$11.00} and the other via XXXX XXXX for {$150.00} on XX/XX/XXXX and XX/XX/XXXX, respectively. I called the card issuer on XX/XX/XXXX during which I was told I would need to get in contact with the merchants as there was nothing they could do to recuperate my funds. After getting in touch with XXXX XXXX on XX/XX/XXXX I was sent an email to reach out to the financial institution and file a police report. After going to the police department on XX/XX/XXXX I was told they needed proof from the card company that these purchases were fraudulent. After following up with the card company and speaking with a supervisor on XX/XX/XXXX, I was told no action could be taken.
Consumer complaint received 2024-03-08
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. (PA)

I send dispute to the bureaus and I reacieve email from them saying I'm hired credit repair company for my dispute letters. Plese review and check the accounts below : OPEN LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AP)

On XX/XX/XXXX I have checked my XXXX credit report and it gave me an collections alert from XXXX XXXX XXXX XXXX stating that alert date of XX/XX/XXXX. And status date of XX/XX/XXXX, for {$63.00} in which I have never received due to me being overseas. They have reported it to my credit scores and have damaged my credit score for a debt that I know is not mine since Im good at paying my debts, I havent received any calls or anything about the matter as well notifying me that I owed them and they have just reported it to my credit scores I dont even have photos or any paper trails about this matter.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (WA)

Received unsolicited prepaid debit card from Netspend ( a subsidiary of XXXX ) via mail. Apparently you are able to link the card to direct deposit or add funds at a store. This is not the sort of thing that should be mailed unsolicited as it is ripe for identity theft and fraud. Attempted to contact the bank to close/cancel the account but there was no way to do so without first activating the card.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a veteran and currently have a VA loan with XXXX XXXX. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to XXXX XXXX explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 XXXX XXXX   statement in the amount of {$2600.00}, my payment cleared.
Consumer complaint received 2019-08-09
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: WELLS FARGO & COMPANY (CA)

I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!