davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (NJ)

Disputed with the company on XXXX, XXXX of XXXX. Company received my disputes. It is now XX/XX/XXXX and i've Yet to hear back from the company about the method of verification I have asked them. They stated they will no longer be disputing anything until I provide new information. The FCRA gives the company 30 days to respond, I have been patiently waiting for the method of verification from them. Since it has not been provided can you please ask them to delete these accounts off of my credit report
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back
Consumer complaint received 2021-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

I returned an XXXX XXXX lease at the beginning of 2019 and had settled out any debts owed under that lease. Since then the company XXXX XXXX has folded and sold the debt/accounts to XXXX XXXX XXXX XXXX which XXXX believe owns the collection service RPM http : //www.receivablesperformance.com. 
I had not heard anything about any amount owed over 2 years and was shocked to see a collections notice in my mailbox and started receiving harassing phone calls. When I spoke to a representative they claimed they had proof I owed this very suspicious amount. They are essentially trying to re-write the contract in their favor in order to pillage innocent people of their money. I have sent copies of my contract and info to them and they have not responded to those documents. They just sent me a list of charges that make no sense.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

XX/XX/2021, {$0.00}, LEXISNEXIS has obtain my public information and sold it to XXXX, XXXX and XXXX. XXXX, XXXX, and XXXX state on there website that they obtain from local, state, and federal courts THROUGH a third party VENDER, LEXISNEXIS. Without my permission, LEXISNEXIS purchased my information from XXXX and sold my information to XXXX, XXXX and XXXX. The United State Bankruptcy Court, XXXX XXXX of North Carolina Deputy Clerk mailed me a letter. I have attached the letter to prove that LEXISNEXIS did not get MY background information from the federal court of North Carolina. The deputy clerk states in the letter that access to bankruptcy files are made through the XXXX system. I research XXXX and went on the website. In order to get my public records I had to pay a fee. Which means LEXISNEXIS had to purchase the information about me and sold it to all three credit companies. THIS IS A VIOLATION of the Fair Credit Reporting Act. Laws 15 U.S code 1681, 15 U.S code 1681b, XXXX, XXXX, and XXXX clearly violated this laws, 15 U.S code 1681m. I was never notified Orally, in writting or by electronic NOTICE of the adverse action to my consumer credit reports. Another laws they have violated is 15 U.S code 1681c-2, 15 U.S code 1681b. I have disputed this twice with each agency and it came back verified! This is another violation 15 U.S code 1681i.
Consumer complaint received 2018-02-06
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: Risecredit, LLC (MO)

I opened a user account at risecredit.com when I contemplated seeking a loan in XX/XX/2016. At the time, I was working at a company called XXXX XXXX XXXX, and included this information in the application I started. I ultimately decided not to pursue the loan, and closed the site. 

In XX/XX/XXXX of this year, a mistake in payroll left me scrambling, so I remembered Rise and ultimately decided to pursue a loan. I had changed employers, so I put in the correct information on my application that I worked for XXXX, had gotten a substantial raise, and looked for a phone number on XXXX to be used to verify my employment. I had also moved to a new address, since I bought a house, and updated that information as well. 

I checked everything over for accuracy and submitted the application. Immediately I was called to verify my identity because of a fraud alert. I did so successfully. Then, I was asked to verify my bank account via an online company, which again, I did so successfully. 

Several days passed, and I started receiving emails for further documentation, such as my driver 's license, XXXX, paystubs, electric bills, bank statements, mortgage statements, and more. I provided this information multiple times, daily receiving emails that they were still missing the information. I decided to give them a call, and the CSR I spoke with informed me that the information on the application did not match the information I was giving them, other than the XXXX ( which had been from the year prior from XXXX  ). I was quite confused, and said that I had updated my address and employer to the new one in their application, and the CSR apologized for the system error and said he would fix it and I'd hear back on an approval in the next 48 hours. 

Instead I received an email informing me that they were unable to verify the information I gave them because of a lack of documentation. So, I called again. The CSR was incredibly rude and said that I falsified information on my application, which is why I was denied. I informed him that I did no such thing, and that I had properly updated to my current information, which included a {$2000.00} a month increase in pay rate, so the idea that I wouldn't have is outrageous, especially given the fact that it doesn't pre-fill information on the application from their database. Oddly enough, my address in my account is listed correctly, so I *know* the application was saved properly with my new information. 

I continued to follow up, continuing being told I could apply again in 6 months. I don't even want the loan at this point, I just want the inquiry removed from my report. It was not used to evaluate my credit worthiness, and their system fraudulently altered my application with past data that I didn't even have access to. 

They've refused to remove the inquiry on their own.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (KY)

I opened a Health Savings Account at BB & T ( now truist ) a couple years ago and have had a deposit into the account every two weeks. On XX/XX/21 the bank closed my account and turned the funds over to the XXXX XXXX They never sent me any notice and there were no messages in my online banking. When I called them they said it was a dormant account, I asked them how it was dormant when I had deposited money every two weeks for years, they said that since I hadn't made a withdrawal they closed it. I thought the point of a health savings account was to save money and then if you have a health problem you have money set aside to pay for it. They said I had to go through the state to reclaim my money.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, XXXX keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and XXXX will not give me my thousands of dollars back
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dear Sir/Madam, My issue is regarding the non receipt of promised Cash Rewards by Bank of America ( BOA ). BOA has created a Customized Cash Rewards program wherein customers can earn 3 % cash back on Travel purchases, 2 % grocery store purchases and 1 % or all other purchases. As of XX/XX/2024 a charge of {$2200.00} was charged to my BOA credit card for XXXX XXXX through XXXX XXXX XXXX XXXX. As per BOAs Rewards Program I should have received 3 % or {$66.00}. Instead they provided only a 1 % Reward for this charge in the amount of {$22.00}. As such, I am due an additional Rewards Credit from BOA in the amount of {$44.00} which they are refusing to award me.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (FL)

To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report.

The amount that is reported I owe is inaccurate as it is reported. I request that you verify the information and remove the information from my credit report as quickly as possible. 
The items in question are : XXXX XXXX XXXX XXXX XXXX After doing so please provide me with an updated credit report reflecting the changes.
Consumer complaint received 2020-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
XXXX  has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I received a collection letter in the mail from XXXX XXXX XXXX claiming I owed them {$1000.00}. I called XXXX because I don't recall taking all XXXX of my children to the hospital. When I called them they attempted to collect the said amount, I told the gentleman on the phone that I needed him to validate the debt before we discuss anything else. He told me that I should just call my insurance company and see what they have and haven't paid. That seemed like it would take forever so I asked that he just send me the documentation that would validate it. He was starting to get snippy as if he didn't want to help me figure out what the charges were or if the account was even mine. He finally agreed to send the documentation I requested. Later that week I received so called statements from XXXX  that they claimed to have gotten from the original owner of the debt. ALL 3 of these statements were addressed to my XXXXyo daughter, not only that. In the original collection letter they state that all XXXX of my children healed a balance but when I got the statements they only showed my XXXXyo. I believe these statements to be forged and inaccurate. I also never gave out permission for my children 's medical record to be released either.
Consumer complaint received 2018-02-06
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: EQUIFAX, INC. (PA)

Equifax is reporting incorrect data that has been disputed and not properly verified. They are also reporting an address that does not belong to me and I was told that it would be removed but it has not been removed nor has it been verified. 

The account is listed as XXXX XXXX  XXXX account number XXXX. After sending letters to the XXXX XXXX XXXX and XXXX XXXX  and XXXX have deleted this account from my record. The XXXX XXXX  XXXX nor Equifax have provided me me documents such as business records, an account audit, application or the original instrument of indebtedness. 

I have sent 3 certified letters and responded to a letter sent to me and called on XX/XX/2018.  It was confirmed that my letter was received on XX/XX/2018. I have not heard back from them and it has been 30 days so this needs to be removed from my credit report. I did receive a letter from XXXX that was addressed to someone else. I have sent that letter back to XXXX. I have taken a picture and will attach it to this message.
Consumer complaint received 2018-05-10
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. (MI)

XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX  ). My contract with XXXX XXXX was then cancelled. XXXX and Equifax Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked XXXX  and Equifax to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. XXXX and Equifax still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA
Consumer complaint received 2021-02-05
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. (FL)

My credit score was lowered by Experian 38 points stating XXXX XXXX XX/XX/21 and XX/XX/21. XXXX XXXX has advised me they did not report me to the credit bureau. Once again I feel targeted by Experian. Experian violated credit laws by not removing a delinquent account off my credit due to a failure of the creditor providing the documentation. Now they are hitting my credit score repeatedly.
Consumer complaint received 2023-04-01
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. (IL)

I pulled my credit report and seen that I had inaccurate information reporting on my credit.In accordance with the Fair Credit Reporting Act. The account listed below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
-Account Name ( XXXX XXXX XXXX IL XXXX XXXX reference number XXXX I reached out several times with certified mail. The second time I got a response and they told me the information was verified. I also sent over a letter from the XXXX XXXX XXXX IL ( # XXXX ) verifying that they do not report to the credit bureaus. So, the investigation was not done properly.

15 U.S.C. 1681 Section 602 A. I have the rights to privacy.

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-10
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

In XXXX, 2018, I was contacted by Wells Fargo they hadn't received my payment for my XX/XX/2018. When I disputed this I was asked for proof. I explained that the clerk had not given me a receipt because his machine couldn't produce but he would send it to my email. Because this had happened before, I agreed. 

Because so much time had elapsed by the time I was finally contacted I didn't remember the exact day of the payment but I offered the week as I had always pay my account the same week since the inception.of the loan. Also, I didn't remember the exact amount but as I always paid over the required minimum by $ XXXX {$30.00}. 

I requested they verify by checking the video tape but was told I must pay up to {$1500.00} for Wells Fargo to locate my missing funds. 

I have spoken to over 10 persons from the " Executive Office '' and have gotten different untrue statements, threats and told flat out lies. Not one supervisor has ever called me even though I was told they would recall me. 

I had an individual named " XXXX '' who claimed to be the personal assistant to Senior EVP XXXX XXXX call and threaten me and my family if I didn't drop this claim. He even went so far as to make some XXXX  derogatory statements about my family ethnicity. We have received phone calls from Wells Fargo employees from blocked numbers and XXXX statements were made to a minor female family member. We believed they were connected to Wells because this account was mentioned and we were told to quit making it an issue because it wasn't that much money. 

They have opened fake accounts in my name as well as having taken money from my savings and checking accounts causing my credit cards payments to be missed. My funds will never be returned and I must accept this. I was told they would destroy my credit and they have done this. They are making false negative statements to other potential creditors and they reported me falsely to the credit reporting agencies while this situation was in dispute. Several times they violated the FDCPA and when questioned about these actions I was told these rules don't apply to their company. 

This is only partial reporting of the actions taken by Wells Fargo against us and this company doesn't do much to prevent this type of action. I even tried to get assistance from the office of former CEO XXXX XXXX. Some assistant promised this would be investigated and someone from this office would contact me. We even tried contacting XXXX XXXX the current CEO but to no avail.