davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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. (AR)

I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX because they no longer have the debt. The collection agency does. I tried to rectify this with Experian, XXXX, and XXXX 
XXXX {$860.00} XXXX {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX # XXXX
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (DC)

My bank sent an online payment to one of my creditors. The creditor said they never received the check. The check was cashed and endorsed but the endorsement was not one that the creditor uses. We sent an Affidavit of Forgery, Alteration, Counterfeit or Unauthorized remotely created Check to the creditor so that our bank could open a Fraud Inspection investigation. The creditor would not sign it because they say they never received the bank. Our bank can not open the investigation without the affidavit. We been going back between the creditor and our bank for over a year. The creditor and continuously refused to sign it.
Consumer complaint received 2022-04-01
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. (FL)

ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (NC)

On XXXX I sent the first letter to XXXX, XXXX and Equifax requesting inquiring why they are continually violating my FCRA and FDCPA rights by reporting inaccurate information on an account that is showing on my credit report as sold or transferred. On XXXX I sent a follow up letter requesting all documentation regarding this account : how this account was applied to my credit report, all documentation used to verify this account belongs to me, all documentation bearing my signature in regards to this account. As of today XXXX I have not received any response, no documentation. This is a clear violation of my FCRA rights to have accurate information reported 100 percent of the time.
Consumer complaint received 2024-02-28
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. (NC)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (AZ)

I had a private student loan from XXXX for 3-4K and have had no contact nor received anything from this company XXXX XXXX XXXX since XXXX. This collection agency claims that now my balance it XXXX and because it was charged off in XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XXXX since XXXX charged it off.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All three companies ( XXXX, XXXX, TransUnion ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (TX)

Collections Bureau of America has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A. (GA)

This toll free number keeps calling early in the morning all day and through the evening. 
XXXX. They call on my home phone @ XXXX, or my cell phone number @ XXXX. I have no idea who is calling because I do not recognize the phone number.
Consumer complaint received 2024-02-28
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. (NV)

I acknowledge the effort taken to remove some items from my file linked to suspected fraudulent activity, yet there remain entries requiring deletion. According to FCRA Section 605, any items identified in an FTC report must be removed. I reference an earlier report with FTC Report # XXXX and bring to your attention a subsequent report, FTC Report # XXXX, which also lists these issues. My legal counsel is informed of my actions and is prepared to address any deliberate non-compliance on your part. 
For Equifax : Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. Please be advised that there is a four-business-day deadline to eliminate any items from my credit file that are the result of alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any automated verification methods.
Consumer complaint received 2019-05-14
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. ()

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

remove the inquires all ftc violations : XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (VA)

Alleging I owe on a XXXX phone bill, however I 've never had said lines. None of the lines had any usage and that is suspicious. I 've had XXXX for over 10 years. Sent me paperwork with my name on it when I requested validation, could have been forged. Nothing with my signature was sent.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2017-12-08
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: Experian Information Solutions Inc. (GA)

I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America charged me 2 overdraft fees and it was there overdraft fee that actually took me over the limit. This bank continues to charge me several fees when it is only 1 charge that takes me over the limit. How exactly does that happen. I am working 5 different jobs and do n't have any  funds to just give away.
Consumer complaint received 2017-12-06
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. (TX)

I have sent multiple letters to Experian to remove the inquires. I have even place a Fraud alert on my report and Experian refuses to remove them.The request that I submitted included XXXX hard inquires that were not factual and received the same response for ALL inquires which was inquiries are factual record on file access. If you I believe this was unauthorized. Please contact creditor. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my letter one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.Kindly investigate my claim in accordance with Fair Credit Reporting Act.
Consumer complaint received 2017-12-08
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: EQUIFAX, INC. (GA)

I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 
Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 
If XXXX modifies the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request. If you have any questions, please reach out to me at the above address.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (NE)

XX/XX/XXXX I would like to file a formal complaint against Merchants & Medical Credit Corporation , Inc of XXXX XXXX XXXX XXXX MI XXXX. I understand they are a related company of XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX about whom I filed a complaint with you
on XX/XX/XXXX.
I do not have, nor have I ever had a XXXX credit card. I advised XXXX XXXX XXXX of this in writing on XX/XX/XXXX ; however, it has not made any difference. I further advised XXXX XXXX XXXX on XX/XX/XXXX that my wife had a XXXX  credit card that has been managed by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX, phone XXXX or XXXX since lateXX/XX/XXXX. Again, this has not made any difference as XXXX XXXX XXXX continues to call multiple times per day to each number instead of contacting XXXX XXXX XXXX XXXX as directed. Now I am receiving letters from Merchants & Medical Credit Corporation , Inc.
Please ensure that Merchants & Medical Credit Corporation , Inc. removes my information from any XXXX credit card and removes all information reported by either them or XXXX from all credit reporting agencies. Further, please ensure that Merchants & Medical Credit Corporation , Inc. ceases all contact with either me and directs any contact with my wife through XXXX XXXX XXXX XXXX as referenced above.
Thank you!
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

After a scam of a purchase of gift cards, XX/XX/2023,, Chase bank, holder of my credit card was phoned and alerted to the even withthin the hour.. The charge had not yet been posted to my account. Chase said they could do nothing about it.In later interview with a chase agent, my interview was posted with her as occurring at XXXX XXXX. I did not speak with her until after XXXX XXXX. 
Two procedures the bank must practice to prevent these scams are : XXXX ) make all Credit cards under their fraud protection program universal. 
XXXX ) be able to remove charges not yes posted available to fraud investigation.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

AMSHER COLLECTION SERVICES ARE IN VIOLATION OF THE FDCPA RULES AND REGULATIONS BECAUSE THEY CONTINUE TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT I HAVE KNOW KNOWLEDGE OF, AND ALSO I HAVE NO TYPE OF AGREEMENT WITH THEM WHATSOEVER. THEY ALSO ARE CALLING AND HARASSING ME EVERYDAY ON A FRADULENT ACCOUNT THAT RESULTED FROM IDENTITY THEFT IN THE PAST.
Consumer complaint received 2024-02-28
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX {$630.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


1

5 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 2022-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

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 The debt that is being reported on my consumer report is only on XXXX, the credit reporting agency has failed to report accurate and complete credit information.