davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FREEDOM FINANCIAL NETWORK (MA)

Pursuant to section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act requirements Freedomplus Financial has violated the FCRA requirements by not notifying the credit reporting agency that this account is being disputed in the comments section of the credit report. Under section 623 ( a ) ( 3 ) Freedomplus is required to notify the credit reporting agencies that this account is being disputed. This is a very serious violation of the FCRA requirements pursuant to section 623 ( a ) ( 3 ) by Freedomplus Financial. I have disputed this account multiple times over the past serval months and the required notice of dispute has never been put or reported in the comments section of my credit report as required. I am providing multiple proof documentation of resent credit reports clearly showing no notice of dispute in comments section on any of my reports as required. I am also providing a copy of section 623 ( a ) ( 3 ) of the FCRA that I am sending in my dispute for Freedomplus Financial review. Freedomplus continue to respond back to me with the generic response stating that they can not review or see any of the supporting documentation provided. How can Freedomplus Financial verify my dispute if they cant review or see any of the supporting proof documentation.
Consumer complaint received 2021-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/21 a letter was sent to credit reporting agency disputing accounts on my credit report. I demanded to see verifiable proof that these account belong to me. It has been well over 30 days and have not received a response or conclusion of the investigation
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-02-16
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. (TX)

I have sent multiple requests to remove fraudulent accounts proven by my statement and an official FTC Identity Report ( XXXX ). Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I have sent 2 complaints ( Latest CFPB Complaint XXXX ) and mailed all required documents to block this account from reporting but you XXXX has ignored my request and ONLY updated this account incorrectly. 

XXXX has aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The Following Account is a result of Identity theft and are is not mine, I demand that they are BLOCKED AND DELETED immediately :. 1. ACCOUNT XXXX  XXXX XXXX **** You are violating my rights and have not followed the FCRA laws which state the following ; Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of You received this request more than 4 business days ago and have failed to remove all of the accounts stated in the official FTC Identity Theft Report. I have sent the following request more than 4 business days and have verified with CFPB that you received these documents.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

Citi bank has been overdrafting my account with XXXX and regular transactions I've been monitoring my account and any transaction that's in pending status after it's fully cleared some how my account is always negative when in fact that XXXX transfers do not go through if your account is nevative or does not have enough to cover the amount you are requesting to send CITI bank is stealing customers money and trying to cover it up by rearrange your transaction history
Consumer complaint received 2022-04-05
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Experian is the only bureau reporting several accounts inaccurately and they are in violation of the Bankruptcy Stay ... 
-- - They are reporting 13 accounts for - US Dept of Ed - every month and reporting Lates as recent as XX/XX/XXXX!!! These accounts were included in my bankruptcy which was discharged and these old accounts should not be updating after a discharged bankruptcy. The other bureaus are not reporting like this, they stopped in XXXX like they were supposed to when they got the notice of Filing on my bankruptcy.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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.

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 2020-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

A collection agency named IC Systems is reporting that I have a {$570.00} debt with XXXX on my credit report. When I found out about this, I contacted XXXX immediately. The informed me that a large portion of that debt was for unreturned equipment. I made arrangements to return the equipment, and did so. Once the return of the equipment was registered, the rep at XXXX  told me that I still had a remaining balance of {$190.00}. I tried to pay XXXX   directly, but they told me that I had to resolve the remaining {$190.00} with IC Systems. I have been in contact with IC Systems directly, but they are still trying to collect the full {$570.00} balance. I have explained to them about the revised balance, due to the return of the equipment, but they refuse to acknowledge the adjusted amount. I've even given IC Systems contact information to the people I dealt with at XXXX, but they refuse to follow-up and confirm the changes. I have no problem accepting responsibility for any balance I have, but I refuse to pay a collection agency {$300.00} more than I actually owe, and its illegal for IC Systems to continue to ask for more than the actual debt is.
Consumer complaint received 2018-04-03
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. (IL)

FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (OK)

My fiances account and my account have had money held by M & T bank for many months. I opened the accounts last year They required me to send in my personal information, social security card and a recent utility bill after locking my account and allowing no withdrawals. It's been a week and my accounts are still locked. I was told by the representative that it would take approximately 24-48 hours to unlock. Since it's been locked, and prior to me calling, they've continued to take out their fees for owning the account while not allowing me to close the account or use the money in said account. Approximately XXXX for 10 months or so. They refuse to send me my money to XXXX out the balance or close the account because the balance must be XXXX to close the account. I can not initiate transfers for the account because they have the account locked, my money is being held hostage by a fraudulent banking  corporation.
Consumer complaint received 2017-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I went to a CHASE ATM to withdraw money from my XXXX XXXX acct. Where I receive my Soc. Sec. Benefits. When I got to the step where the CHASE ATM would dispense my money the Atm had a " TECHNICAL DIFFICULTIES " message. So I grabbed my card and called to double check my card balance, and even though I received no money, the XXXX $ that I tried to withdrawl was deducted from my checking acct. A XXXX # from CHASE popped up and I called it, the lady said just go into any CHASE branch and they could fix it and get my money to me. Well 2 Different CHASE branch said they could do nothing bout it cause I Ai n't a CHASE Member. My XXXX XXXX card company said they have to do an investigation, and I might get my XXXX $ in 45-90 days. I am XXXX and it 's my only sorce of income. This happened XXXX XXXX 2017, I went to the CHASE branches on XX/XX/XXXX & XX/XX/XXXX. Spoke to them on XX/XX/XXXX,XX/XX/XXXX And XX/XX/XXXX.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (NM)

At the end of XXXX I called Global Lending Services requesting a forbearance on my XXXX car payment due to the pandemic. I was told to call back three days before my payment was due. I called back three days before my payment was due and was then told to all back once my payment was past due. I called the day after my payment was due and was told I had to call back when my grace period of 10 days ended. I called on XX/XX//20 ( 10 days grace period included ) and I was told my payment was late and that I could not move my XXXX payment to the back of the loan. I was told the only way they would do it was if I made a payment for XXXX then MAYBE they could move XXXX. This company is refusing to help people despite the current pandemic! Theyre taking advantage of the situation and lying to their customers in a time of need.
Consumer complaint received 2019-10-25
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. (CA)

Experian has deleted 3 other fraudulent XXXX XXXX accounts on top of others, however in my past disputes they seem to skip over this one. Even when I opened a dispute immediately after they deleted the others, they said this was correct. This XXXX XXXX account does XXXX is fraudulent and is listed in my identity theft report. It needs to be removed.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo you are in violation of the FDCPA and the FCRA in this letter of about 4 you claim you will respond by a certain date and I never hear from you. You are fully aware that your credit reporting is incorrect and you must remove the inaccuracies and then you sent a letter stating that you would respond by XX/XX/XXXX and today is XX/XX/XXXX you are reporting reckless and incorrect information on my credit report Congress passed a law back in 1971 given credit or such as yourself the ability to report accurate information and if you cant do so this is a violation I have sent you factual proof that your reporting is incorrect and I demand that you delete this trade line from all reporting agencies you did not respond by the XXXX and several other letters that I will certainly be appreciative to upload the other CFPB please delete these In accuracies
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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Credit report is missing reported debt. 

acocount information is as follows : XXXX XXXX date opened XX/XX/2019 balance {$190000.00} should be reported to Experian and is not being reflected on my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
accounts include XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (MI)

When covid started I received a decrease in hours of my work so I had to cut any bills possible in my home. I stopped my XXXX  XXXX  services and paid the full amount at that time. They have proceeded to to claim I didnt pay my bill, charge me penalty fees and and put it into collections to destroy my credit. I've also received derogatory and threatening messages. I have disputed this several times and they continue to report it on all my credit bureau 's ea month. They have also contacted experian to put a lock on my credit report where I can no longer dispute their Collections item.It has decreased my score almost 50 points, and threatens my ability to get a better job or to get a fair rate on car insurance insurance for me and my son. I am a single mom and have been struggling since my divorce. I have reached out to this company and sent them several emails even asking asking for a settlement, but I do not feel at tjis point that I should have to pay a dime when I that I should have to pay a dime when I paid my previous bills in full. I also requested covid support assistance during the pandemic to write off this supposed bill and received no response. Please help me.
Consumer complaint received 2018-04-04
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. (TX)

I attempted to dispute this with the credit bureau, Equifax. However, their webaite continues to advise that I have my information wrong. I was only putting in my personal information. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not initiate these accounts, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them from my credit report. I have provided supporting documentation to substantiate my claim
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted Transunion about an error of a public record for a bankruptcy reporting from their agency. I told transunion that I wanted to dispute that information, and that I had never filed bankruptcy and that there was no bankruptcy reporting on my other credit reports and asked that transunion re- verify that information and provide me with the method and source of that information. I also contacted the courts in my state and the court stated they had no such records and that they do not give that information to credit reporting agencies
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (LA)

XXXX XXXX XXXX contacted me by mail about an alleged debt i owe to XXXX XXXX XXXX in XX/XX/2018. I responded by certified mail asking for validation of said debt and that all correspondence be sent in mail, they have called me without validation of said debt.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (TX)

CREDIT MANAGEMENT, XXXX. XXXX XXXX, XXXX, TN XXXX IS REPORTING AN INACCURATE ACCOUNT FOR XXXX XXXX XXXX FOR {$2100.00}. I DO NOT OWE XXXX THE AMOUNT OF {$2100.00}.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ever since I opened my Edd acct the Edd has deposited over XXXX. On my acct but Bank of America is not giving me my money they keep filling claims that its been over 8 months and I have not been payed on them! Also my recent deposits are now been deducted even when my card has been canceled and Im waiting to receive it yet transactions are still taking place