davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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 (NC)

I have contacted Bank of America even sent documentation that I did not authorize a auto credit inquiry on XX/XX/XXXX or inquires with the bank XX/XX/XXXX or XX/XX/XXXX the bank has told me they do not know why the inquires were done and to dispute it but the credit agencies have stated that bank of America has to remove them and they can do nothing.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (CA)

Consumer Financial Protection Agency : On XX/XX/XXXX, I discovered a discrepancy on my Equifax and XXXX  credit reports that indicated several delinquent activities during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was associated with a XXXX XXXX  ( Card Number XXXX ) account that I was listed as an authorized user on. I never consented to or authorized myself to be listed as a user, nor did I utilize this individual account during this time. The account was opened in XX/XX/XXXX ( when I would have been three years old ) by my parents, XXXX and XXXX XXXX. At some point, they added me as an authorized user without my consent or approval. I have had similar experiences in the past where I was able to dispute such items and have them removed from my credit report. I can assure that XXXX does not have my signature on record indicating my consent. 

On XX/XX/XXXX, I filed a dispute with both EquiFax, XXXX  and XXXX. On XX/XX/XXXX, XXXX informed me via letter that they are unable to update the credit report as an " authorized user must be removed from the account first ''. They then directed me to contact the Customer Service phone number on the back of the card ; however, the card or account has since been closed as of XXXX. 

On XX/XX/XXXX, I received notice from EquiFax that they conducted an investigation and deemed that these items belong to me. Again, I dispute this as I never provided approval, nor was ever asked, to be added as a user on this account. How can they deem that I should be responsible for these delinquent activities when they can not furnish the proof that I authorized to be on the account in the first place? 

I request that this be investigated so that the XXXX XXXX  ( XXXX ) account is removed entirely from my credit report or that these delinquent activities are removed. 

I appreciate your consideration of my request. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I had an collection account with NFCU and it was settled back in XX/XX/2021 this is my second complaint pertaining to this matter because one of the accounts is still reflecting derogatory in the status and still effecting my credit in a negative way. This is past the 90 days to have it fixed properly.
Consumer complaint received 2022-01-15
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)

On XX/XX/XXXX I contacted Equifax about the following fraudulent accounts XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ). 1. The following account is not mine XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ). Equifax failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to Equifax on XX/XX/XXXX
Consumer complaint received 2018-10-29
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. (LA)

XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX date XX/XX/XXXX My complaint is with XXXX and Transunion credit bureaus the problem is XXXX and Transunion are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with XXXX and Transunion, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to XXXX and Transunion they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX. attachment thank you your assistant sincerely XXXX XXXX XXXX
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

Every year when I re-certify my XXXX XXXX for PSLF with XXXX XXXX, they get the payment count wrong. This year was the same. On XX/XX/XXXX my PSLF XXXX XXXX was re-certified, and they told me I have 60 qualifying payments for one group of loans, and 59 for another. These loans are consolidated and should both show 60 qualifying payments. It is under review, but they can not provide a time frame for when I can expect the number to be corrected. It should not take so much effort on the part of the borrower to keep tabs on XXXX XXXX to do their job correctly and provide correct payment counts. Since they became my servicer several years ago I have spent many hours on the phone with them, emailing them, and carefully documenting everything to keep everything on track. The poor quality of their service is unacceptable.
Consumer complaint received 2018-07-30
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. (MN)

I submitted a dispute letter to Equifax on XX/XX/18. I received a letter dated XX/XX/18 on XX/XX/18 requesting proof of identity and address. With my dispute I included a copy of my military id which includes my social security number and copy of a social security/veterans XXXX letter with address. In the XX/XX/18 letter they request such proof like a bank statement. Who in their right mind would send a bank statement. A copy of my award letter to me from the veterans administration or social security seems more than reasonable. And a military id with my ssn on it is federal and cant be anything but proof of id. Equifax is undoubtedly attempting to delay the investigation and would attempt to use this request as a way to delay. If i submit the items they will undoubtedly use the 15 days additional info clause. This is a rediculous attempt to subvert the FCRA and its 30 day provision ... to remove the items if not completed provision.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Allgate Financial, LLC (VA)

XXXX XXXX XXXX. has made a fraudulent claim on behalf of JH Liquidating Trust I to the Credit Bureau stating that I owe a debt of {$810.00}. They are stating per my credit report that the debt/collection was open in XX/XX/XXXX, however after speaking with them via phone, they stated that this is a debt from XXXX and was discharged on 2XXXX. They are refusing to give paperwork stating that this is a debt from XXXX and discharged in XXXX. It also states that the debt was discharged on my credit report however it still states that it is a new debt due to XXXX XXXX XXXXt. on behalf of JH Liquidating Trust I falsifying the date on my credit report. In the state of Virginia the applicable statue of limitations is five years. After the statue of limitations has expired, a creditor or debt collector can no longer file a collection of that debt. They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) due to this being a time-barred debt and falsifying the date of the debt as stated on my credit report.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was shocked when I reviewed my credit report and found 30 days late payment on XX/XX/2016, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian is continually reporting the account XXXX XXXX XXXX XXXX XXXX on my credit report as an accurate verified account. This is a fraudulent account, which Experian has received able legal documented documentation that this is a Fraudulent account and has relied on XXXX XXXX XXXX XXXX XXXX to verify its accuracy. Experian is also aware and has been put on formal notice in writing as well that legally when requested a creditor must disclose and provide a copy of application document with signature used to open the disputed account, or they must remove debt from affected party 's name and information, also their credit report. None of which has occurred. It's the law under the Fair Credit Reporting Act, and I'm asking that Experian at least adhere to the law. PLEASE HELP!
Consumer complaint received 2018-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX XXXX XXXX claims I owe on an old XXXX account. The account in question does not exist. They have my full ssn and are threatening to report to XXXX tonruin my credit. They call daily and harass me.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Original creditor : XXXX XXXX XXXX : XXXX XXXX I had a XXXX account in XX/XX/XXXXwith a credit limit of {$200.00}. The account was used to buy one item, then paid in full and closed by XXXX ( due to extended inactivity ). There is no balance or debt owed whatsoever. 

In XX/XX/XXXX, I ran my credit and found out that XXXX has reported my account as paid and closed. This is all reported correctly on my credit report. 

At the same time ( XX/XX/XXXX ) I also found that XXXX has reported the same account as owing {$580.00}. My original credit limit was only {$200.00} and already reported as paid in full and closed. I, in NO way owe XXXX ANY money, let alone a random amount of {$580.00}. 

I called XXXX 3 times ( XX/XX/XXXX ) and was told every time I called that they will not provide anything to me regarding the collection debt, where it came from, what it is for etc. The also verified that the account I did have is paid in full and closed. They said I had to contact the collection agency ( XXXX XXXX ) to obtain proof of debt. I have called XXXX XXXX, at the same time I contacted XXXX ( XXXX XXXX XXXX XXXX ) and was told that they will not provide anything in writing to me regarding proof of debt. They did however say if I paid the debt in full, or settled the debt with them, they would send a letter saying the debt was satisfied. 

I can not get any assistance in this matter. Neither company will send me proof of any debt they reported I owe, nor will they acknowledge the fact that the same account is claimed twice on my credit report ( One reported as paid/closed and the other is closed/owe {$580.00} ). I want this taken off my report and/or proof of debt sent to me detailing what/where/how this balance is {$580.00}. I also need full account numbers as I have proof of paid in full account.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (RI)

I have made my Mortgage Payment timely to Home Point Financial Corporation. It is the legal responsibility for Home Point Financial to pay the property tax and insurance from my escrow account in a timely manner. I received a tax bill from the City of XXXX showing a late fee due to Home Point Financial had failed to pay the taxes. I have sent Home Point Financial a Certified letter making them aware of the delinquent taxes. I have also sent a copy of this letter to the City of XXXX regarding the non payment of the taxes. I will upload a copy of the letter, the tax bill, and evidenced to show that my mortgage payments have been timely. I will also include The Certified Mail Receipts. I appreciate your assistance with this matter.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (IL)

XX/XX/2021 on the XXXX I paid my XXXX $ bill 2 days before the due date. It has still not reported to my credit score like the first payment. They reported my first payment in in XXXX and added it quickly to my credit report. Im not sure if I want to pay the XXXX $ pay on the XXXX.
Consumer complaint received 2018-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (AL)

I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (LA)

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have no contractual agreement with this company Midwest Recovery Systems and I revised this to be send back to the original creditor.
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (NJ)

Recived a bill for over {$3000.00} in Excess Wear and Tear Totaly not true Added a blacked out packet to my lease XXXX with orginal XXXX Parts Recived a condition report with Numerous replacements required that didnt need replacing Inspector from XXXX XXXX added charges for item not missing Listing of my care with after market wheels not true at time of turn in my car had its orginal XXXX Wheels Also being charge for body damage already was repaired befor Turning in XXXX I feel its XXXX way of off setting there cost when car is sent to auction In other words XXXX will do nothing to the car like mine sell it on there web site And charge leasse like mysef a inflated Unfair Costs Total Abusive Business Practices To make matters Worse Inreleassed a brand new XX/XX/2018 XXXX XXXX If I known about audis unfair charges I would never ever lease another XXXX
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX  is a fraudulent account i would like to have it deleted i have already provided the FTC report with my last complaint i will provide this time information to help find my credit report file, so that this collections can be removed.
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has recently reinstated a monthly fees for checking accounts which don't have a monthly direct depict or have lower balance. This just seems to be a way to penalise people for not having enough money. If someone loses their job and their salary direct deposit stops, they start being penalised for falling on a hard time! The fees is {$12.00} per month. I have been charged twice between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-07-16
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-07-16
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. (FL)

i have contacted all 3 credit bureaus in regards to incorrect information that is being reported on my credit report for the past several months and i've grown tired of this. i have written letters to all three credit bureaus to show me actual verifiable proof that this was indeed investigated and how it was verified and all 3 bureaus have failed to do so. and they continue to report incorrect inquires as well as accounts on my file. they are not following the FCRA guidelines and they should be legally bineded to do so!