davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (GA)

I am in the process of purchasing a home for my family and it was requested by a lender to pull my Experian credit report. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the historical information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  and ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ; ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; ACCOUNT NAME : XXXX XXXX XXXX XXXX # XXXX. I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2024-02-25
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. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (CA)

There is information on my credit report that doesn't belong to me. I have no car loan or any type of loan with the instititutions reporting these accounts on my credit reports. 

XXXXXXXX XXXX XXXX XXXXXXXX ACOOUNT # XXXX OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED : XX/XX/XXXX XXXX
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (FL)

I would like to report a women that has stolen my identity and continues too use my i to get apartments and houses in my name Ive never stayed in XXXX. 
here are the add. XXXX XXXX XXXX XXXX Fl XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX FlThis is ridiculous that these apartment complex are not asking for proof of income to prove furthermore the identity of the person as well clearly look at the picture and see that its not the right person. I am furious and she has cause me many sleepless night I would like to press chatrges
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd. (TX)

FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XXXX XXXX and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor XXXX XXXX
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

I received an invitation from Regions Bank to open an account and receive {$400.00} after qualifying transactions in XXXX of 2021. I opened an account, set up a direct deposit, and as of today 's date I have not received the {$400.00}. I tried calling to resolve this issue to no avail.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

These inquiries I did n't authorize. I have attached two emails and text proving I did n't authorize the inquiries. 

The following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

Refusal of Mortgage Company to reduce monthlyPayment due to lower property taxes. 
My property taxes are {$760.00} per the enclosed bill. 
Real estate taxes from PNC show {$1700.00}
Consumer complaint received 2024-02-25
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. ()

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (OK)

Opened a free checking bundle account back in XXXX under a new account promotion of {$300.00} after making 10 debit card transactions within 90 days, opening a eSavings account, and enrolling in eStatements. 

Completed all requirements in XX/XX/2020 and have not received the {$300.00} new account promotion.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (SC)

XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation, I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance, I would, but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please, someone help.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

I went to sign in at annual credit report .com and in order to get all three reports i have to answer XXXX questions per a report. XXXX XXXX was fine. The next report I tried to get had XXXX questions, the XXXX question stated I had a mortgage and a loan amount. I do not have a mortgage and no monthly payment. The XXXX time I tried I selected the option ( none of these ) I failed to get in. Then I tried again and got locked out. I can not get my credit report because a mortgage with an unknown bank is on my report.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

Pnc bank did not utilize my overdraft protection when a check that I wrote to my daycare posted to my account on XXXX/XXXX/16. Even though I had enough in my overdraft account the check was returned. I was charged {$36.00} by PNC for NSF. I had to pay {$35.00} to my daycares bank for the check being returned and {$13.00} to my daycare because they also have a return check fee. PNC only refunded the {$36.00} that they charged me. I requested the additional fees be refunded but they never paid me back for the {$35.00} and {$13.00} fees. I am attaching statements for my checking account and overdraft account. The last page will show my daily balance on XXXX/XXXX/16 which will prove there was enough money to pay that check. The {$35.00} and {$13.00} were both processed as checks so pnc should be able to view and verify that I was charged those additional fees. I am confident that this was a banking error and need help getting a refund for these additional fees.
Consumer complaint received 2022-09-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Court foreclosure case XXXX Bank forged a new FHA mortgage after we paid off our FHA mortgage. 
Attaching other complaint numbers. 
This is pleading into case to vacate summary judgment and go to trial. Or appeal case question of law. 
Can a bank used forged FHA mortgage documents to foreclose and take house? 
Law says no forged documents are not authority. Bank of America Countrywide mortgage already been caught see XXXX XXXX of forged mortgage note and assignment. Attaching the pleading to send to lender. Their lawyers quit when they read the consequences they face.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

I have been a credit card customer of Citi for many years. When attempting to make a payment this month, I encountered issues accessing my account. I contacted Citi " customer service '' in an attempt to resolve the issue and be able to access my account. Every agent I spoke with, 4 in total, was completely unhelpful and kept passing me to the next when I voiced my displeasure about their inability to provide assistance. They kept trying to have me make a payment, despite my insistence that I need to be able to access my account before paying them. The final agent, in the fraud department, kept cutting me off and was unable to provide me with appropriate tracking information about my new card being sent ( needed so that I could actually access my account ). He stated that tracking information would be emailed to the email address that I had " previously confirmed ''. I informed him that no one had confirmed my email address and that I wanted to verify that they had the correct one. He informed me that he would review the call logs to see if I had verified it on the phone. When I asked to just go ahead and verify it with me then, he disconnected the call. After nearly an hour of being bounced around on the phone, I have no idea if my issue has been resolved or if they are simply dismissing my problems and complaints without resolution while expecting me to blindly pay them. Completely unacceptable.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I had major surgery in XXXX XX/XX/XXXX and had paid my deductible in full, all medical bills were covered. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) did not file the correct insurance information, even though it was provided several times and sent the account to XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) XXXX XXXX finally sent the correct information and they were paid in full XXXX. I have made repeated attempts to have this removed but XXXX is refusing to remove it. THis also happened at XXXX ( a sister company to XXXX XXXX ) and they removed it from collections. I have contacted XXXX XXXX and am awaitng a return call
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I asked for verification documents including the original signed agreement, date the account was open/closed, and details of the charges including interest and the dates of the charges. I have not received any verification documents pertaining to this account showing on my credit report. Also In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX = i disputed the account balance which was {$160.00} as reported and then I challenged it because the actual balance is {$15.00}. I can not understand how the balance went down and the credit utilization from XXXX XXXX to XXXX XXXX. My score dropped XXXX points even though my balance went down. SEE PAGE XXXX OF THE ATTACHMENT.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Reliant Capital Solutions, LLC (TX)

I spoke with XXXX XXXX and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during XXXX requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than XXXX account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (UT)

I applied for an Ally checking account and savings account. I ws granted XXXX. a total of {$20.00} was transferred to those accounts out of my checking account I have had for a while. Then Ally blocked my accounts with them and told them I have to prove to them who I say I am. I called and emailed them several times. Finally I was told they performed a credit check and it did n't go through. During the application process I was never told my credit would be checked by Ally Bank. Also if the credit check did n't go through why did they transfer my money to their accounts? They should n't have done that. The application process should have been stalled until this was settled. I also told them I froze my credit report because I was a victim of identity theft a few years ago. I told them they need to return my money and close my Ally Bank accounts. Instead they refused and if was after this they sent me a signature card which I signed and returned and they keep sending me emails but they refuse to unlock my account, they refuse to return my money and they refuse to close my Ally accounts. They never received my permission to perform a credit check and never said during the application process they would do so. Since the credit check did n't go through they should never have approved me for accounts with them and never should have transferred the money. They have committed petty theft ( stole and refused to return {$20.00} XXXX and they have committed banking fraud and illegally tried to access my credit report without permission. I want my money back and the ally accounts closed. If Ally Bank still refuses to return the money I want criminal charges pressed against the fraudulent company for petty theft and banking fraud. 
They keep sending me emails and mail so obviously they know I 'm not a fraud. Ally Bank is the fraud. They have sent me a checkbook and a banking card. I have n't used any of the checks and I have n't activated the banking card.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed this item several times with the credit reporting agency. I have advised them that this is not my account. I did not conduct any business with this company. The creditor is XXXX XXXX XXXX with an open date of XXXX/XXXX/16. The balance amount is {$240.00}.
Consumer complaint received 2020-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

This year during this pandemic ( Covid-19 ), I sent a letter to debt collector regarding this alleged debt, and after 30 days I never received a response, because of that, the item was supposed to be removed from my credit report. This alleged debt is not mine and debt collector doesn't have proof that this debt is mine. A bill is not validation of debt. The validation letter I sent collector will be attached to this complaint. This negative information is affecting my credit report and is stopping me from getting a loan to support my family during this pandemic.