davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
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. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX TransUnion and XXXX  are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (NE)

On XX/XX/XXXX a company deposited XXXX ( money order ) this was on a thursday afternoon. Friday XXXX there was XXXX in XXXX purchases from my account then friday afternoon the money order or aka deposit was taken back. After all was said and done there was a negative balance of ( XXXX ). I tried to call the bank after XXXX and was on hold for over 3 hours. I finally got someone on the line and he said i would have to go to the bank and talk to a banker. Sat XXXX there is only one Bank of the West open. I went there sat XXXX   and spoke with XXXX and was informed that there was a breach in the mobile/online banking. I was then informed that it would be 10 to 30 days to investigate what happened. It has been 28 days now and they are not refunding me the money. I see on several sites that if you go in 2 business days or less i would be responsible for XXXX not XXXX. This deposit should never even been ok 'd for use. I need this money back as now i basically went to work for XXXX for free and still have bills due. i have the copy of the statement, i have a copy of the money order that was deposited. Please advise what else i am supposed to do to retrieve my funds. When i banked at XXXX XXXX XXXX XXXX   they would have held that deposit for 5 days before the funds would have been available.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

I had a open account with XXXX that was fraudulently opened by someone. I submitted the XXXX fraud packet and have not had a response from XXXX. I did not approve the account to be opened and I was charged with an account in my name that I did not open or approve of. I asked that this account be investigated and that it be erased from my record. I did not approve of this account nor did I know that it was open and that is unfair to me and my identity, I have not received a response from XXXX or the erc collection agency.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Medical Management, Inc. (PA)

Just recently, I noticed my credit report had an unpaid medical bill listed in collections. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. They were unable to locate the original charge. I then contacted the collection department who had the debt listed on my credit report. After searching my records, I realized the debt was valid and sent the the collections an email. Unfortunately, with no response from my email I sent, I proceeded to send the collection agency a certified letter. 

My letter, again, acknowledged the debt, I asked for payment options and also apologized for the nonpayment of this bill. I have not heard anything from them as of today, XX/XX/2021. The certified letter was received by the collection agency as per certified mail number XXXX XXXX XXXX XXXX XXXX. 

I have previously left a message at the XXXX number, emailed them as well as sent a certified letter. Since it has has been over a month since the certified letter has been received, I would appreciate any assistance that could be given to help in removing this account from my credit report. 

Please let me know you require any additional information. I would be happy to provide it and I thank you in advance for you assistance.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Experian only says that the XXXX XXXX XXXXn says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Experian and the other credit bureaus, and only report false information and the Experian only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Experian is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Experian asked me verified the account like not mine, but there is no way i can proof sometime is no mine.
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

My mother had a credit card with Bank of America and it was with my checking account with Bank of America. Two years ago, when my mother became ill, they charged off her card and took {$3500.00} from my checking account, affecting adversely my business operations. I agreed to pay them {$100.00} per month to pay for this. The monthly {$100.00} installments then stopped in late XX/XX/XXXX, so I assumed it was all paid off. Then on Friday, XX/XX/XXXX, Bank of America took {$5100.00} from my account, claiming it was for my mother 's card. This money was about to be wired to my business partner and I had already made the transfer request and without any notice, Bank of America took the money and the transfer did not go through. I just finished fixing the damage from the last time Bank of America did this and now they set me back again. I feel some action needs to be taken against Bank of America. They are way out of line and I want my money back! This is affecting a good partnership I've had for many years. I also plan to report them to the Board of Governors of  the Federal Reserve, and I would like to get the news media involved if possible.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (MO)

On XXXX I deposited an XXXX distribution for {$3000.00} to my bank, U.S. Bank. The next day I saw in my online account that it had posted to my account. I presumed it had gone through processing overnight. I wrote payments through the same account to pay for two insurance policies. The next day, XXXX I saw online that a hold had been placed on the check. I called US Bank and was told it was because they did not think that the check /from my XXXX would clear. After calling again on Saturday, and then Tuesday XXXX I finally got to the right department at US Bank, " XXXX ''. They repeated that it was a suspicious check. He said they believed it would not clear because I did not regularly deposit {$3000.00} checks! But when I asked them if it had yet cleared, he said " we do n't have access to that information ''. So it was pretty clear that this was not evidence based, but simply a policy of arbitrarily holding funds without reason. They finally released the funds seven BUSINESS days later.
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: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

My Best Buy Citibank retail credit card was closed for non payment I was recovering from an injury even though I made a stabilization payment shortly before. I was offered a settlement of less than half but I said let me pay it in full since I want to correct my credit and I don't feel like my account should've been closed while I was injured in rehab. Best Buy agreed to a payment in full payment plan with the due date on XXXX of every month starting XXXX And I set up automatic payments. On XX/XX/XXXX I was told the payment went through. I also tried to make three extra payments in XXXX which bestbuy refused to accept Because they already had a payment and didn't want to mess up the payment plan. I spoke with him over the phone. Then in XXXX I found out that my account was transferred to a collection agency. This means that my credit score dropped 48 points and three months of them reporting my account is negative when they refuse to take the payments Resulted in continual late and higher interest then what is the reality. The reality is XXXX XXXX payment was acceptable but BestBuy chose to sign my contract and transfer it to a collection agency anyway. This collection agency has resubmitted the account back to Bestbuy Retail services twice and more than twice have my disputes been denied through bestbuy. Now I am being asked to fax and email the original contract which I will Attached to this complaint. I have damages the 48 points hurt my credit score and my financial capabilities I feel like I shouldn't of any interest after XX/XX/XXXX and the {$200.00} payment that was due on XX/XX/XXXX if I have to repay it we should still consider how I've lost money because it is negative credit report I should have a discounted rate and they should re-offer me the settlement that they are no longer offering in that settlement should be a settlement for a paid in full because they have proven to be dangerously illegitimate And financially damaging to communicate or do business with.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

So XXXX keeps putting a XXXX $ bill on my credit as dept, I had this inquiry removed a couple months ago due to it being fraudulent then on XX/XX/20 they put the same dept payment on my credit just used a different collection company and I spoke and told XXXX that I am not responsible for that account and somebody had to use my information I let them know I was a victim of identity thief they said they can not help me I am not responsible for that account or XXXX $ balance I currently do not have or do business with XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (OH)

I recently looked into my credit report and found that there was a collection by an agency called Southwest Recovery Services for the amount of {$450.00} for a company called " XXXX XXXX. '' I have never had any contact from or to Southwest Recovery Services, nor have I had any contact from or to XXXX XXXX. Upon further investigation, both companies are located in Texas. I have never lived or even stepped foot into Texas so the idea that I owe money to a power company in Texas is completely unfeasible. Address for the company as on my credit report : SOUTHWEST RECOVERY SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

On my credit report, the " account '' was opened on XX/XX/XXXX and it went into collections on XX/XX/XXXX. As of today, XX/XX/XXXX, I have filed disputes with the credit bureaus and reported this to XXXX. I have also researched this online and it seems to be a common scam. There are other reports on XXXX with the exact same modus operandi. Other people have reported amounts in the hundreds of dollars on their credit report from Southwest Recovery Services for " XXXX XXXX ''. Clearly, this is fraudulent activity by the company and the fact that they are able to have this validated on my credit report is disgusting. They are trying to intimidate unknowing people into paying hundreds of dollars for a false item that is dragging their credit down.
Consumer complaint received 2021-09-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I PAID MY CAR OFF XX/XX/2021 and RECEIVED A PAYOFF LETTER FROM CAPITAL ONE FINANCIAL, MY BANK GAVE ME MY XXXX  PAYMENT BACK BECAUSE CAPITAL ACKNOWLEDGED THAT THEY HAD BEEN PAID TWICE AND NOW THEY HAVE THE NERVES TO PUT IT ON MY CREDIT, I HAVE PROOF
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one auto financing put inquiries on my credit report XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 i called and informed them that I did not consent. They said XXXX did it. I never gave XXXX my consent and asked XXXX for and documentation with my consented they couldn't provide me with anything.
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: American Credit Acceptance, LLC (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 2022-09-18
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: CREDIT ACCEPTANCE CORPORATION (MI)

Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

on the XXXX of XXXX, i notice some collections from SOUTH MISS COLLECTION ON MY CREDIT REPORT WITH ALLEGED BALANCES OF:XXXX, AND XXXX THAT I DO NOT OWE.I SENT THEM 3 LETTERS ON XX/XX/2020 REQUESTING FOR INFORMATION CONCERNING THOSE DEBTS.I HAVEN'T RECEIVED ANY AS OF YET AND I ALSO ATTACHED COPIES BELOW.
Consumer complaint received 2019-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (RI)

My ex and I used to use his Venmo account. We separated about a month ago. When we separated I decided to use my own Venmo account. My parents sent me $ XXXX to help my buy a car independent of my ex. When I tried to transfer the money from my parents to my own bank account ( with only my name on it ) Venmo said that that account was linked to someone elses. I immediately initiated a chat with Venmo customer service and told them I was having trouble and I suspected my ex was using my card. The support person said his account had nothing to do with my account, then promptly said actually his account was effecting mine. Then I proved my identity and that I am not him. I also verified my bank was solely mine, with bank statements. I also got my ex to call them and verify his own identity and they we are in fact two separate people. Venmo then lifes MY acct hold and TOLD ME to do a standard transfer with the bank account Id proven belonged solely to me. Apparently, initiating the transfer that THEY TOLD ME TO DO, caused my account to be frozen. They said it was bc it seemed my exs account was also mine and he owes them $ XXXX. My account had just under $ XXXX stuck in it. I offered to cover whatever he owes with my own funds since they claimed I was responsible for BOTH accounts, however, they then said I couldnt use my actual verified account to cover the other accounts debt. So they said both accounts are mine and therefore my responsibility, but I couldnt use my actual account to pay off the debt owed on the other since the other account isnt mine. Does that make any sense??? 
Also, this brings me to my next point Venmo lets people link bank accounts that DO NOT BELONG TO THEM. How crazy is it that my attempt to prevent fraud lead Venmo to literally steal my money. They are holding $ XXXX more than what they claim I owe hostage ( even tho its my exs debt ) and not even letting me resolve it. Theyve essentially found a clever way to steal $ XXXX from me. I grew up in foster car ( spent 16 years moving from placement to placement ). Im trying to untangle from a really unhealthy marriage and Venmo has decided to use it as an opportunity to steal from me instead. Im at a complete loss at what to do. Please help and make sure they dont continue to do this to people.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated the accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they also violated my rights under, 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. Which I DID NOT give them written instructions to do so. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX ( XXXX ), # XXXX XXXX XXXX XXXX XXXX ( Experian XXXX and # XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. 

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law. 

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. 

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXXXX/XX/XXXX.