davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Banking complaint XX/XX/2020 we got our monthly statement and I called B of A to see if we could get the rate of 24.24 % reduced and they said no. We had a real old cash advanced balance but when we made extra payments, it never got posted to this balance even if we asked it to. ( wrong ) other balances were charged at 10.99 %. So I mailed a check for the full balance of {$6600.00} on our statement. XX/XX/2020 we receive another statement and I expect the account to show closed. They didnt close it Nd they charge us again for so called residual interest. I called them again to see how do we get our account closed and why did you charge us interest on a zero balance account. The supervisor, XXXX was not helpful at all so I told him thank you and that I was reporting them. 
The bank closed and moved out of our area so we stopped banking with them, then I tried to get online banking so I can see the card activity and they denied us us of online banking. Now they are charging us interest on a XXXX balance credit card that we just want closed. Its Not right. They are taking advantage of consumers. Whats fair about them forcing us to leave their bank, charging on zero balances and having bad attitudes on the phone towards the customer. Shame on this big corporate bank.
Consumer complaint received 2020-04-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Company : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Closure status Settle in Full Closure status Date : XX/XX/2016 ID theft I am reporting a incident that happened XX/XX/2016. At that time I was transitioning back to New Jersey, I got a call from the Bank of America that someone was trying to deposit a stolen check, via by cell from XXXX. Bank of America called me to inquire if I was in that location, I responded that I was in New Jersey. They informed that someone was trying to cash a stolen check on my account. I informed them to freeze the account because I was not the person cashing the check. The bank ask me a series of questions regarding my account I was informed at that time that an investigation will take place. I later received a letter stating that my account was closed. A couple of months later I tried to open a bank account in New Jersey and was denied.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}
Consumer complaint received 2020-04-30
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: Trident Asset Management, L.L.C. (IL)

On XX/XX/XXXX Trident Asset Management reported a collection account for XXXX without ever notifying me. I called them end of XX/XX/XXXX and they removed the collection from two of the credit reporting agencies leaving it on XXXX. I submitted a dispute through XXXX and they verified the account but have yet to send me notification/validation. I sent the dispute letter through certified mail and regular mail. This is my last attempt to work with them prior to submitting it to my attorney to file suit once the courts resume operations.
Consumer complaint received 2022-09-12
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with XXXX  and Equifax. XXXX  is still looking into it at the time. However, Equifax refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (AL)

It has come to my attention that XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) have recently made multiple inquiries for new credit on my behalf. In addition, I have received phone calls from both companies stating that I am passed due on accounts that were opened with an address that is not even a real address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). I want to be clear : I have NEVER authorized either of these companies to run my credit or open new accounts in my name. I have called both companies on 6 separate occasions to find the root of this problem and resolve it but their customer service representatives have been unable or unwilling to investigate it for me. These transactions were unauthorized and these businesses should be investigated immediately for fraudulent business practices. Please investigate this matter and correct the disputed item as soon as possible.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

My mortgage and escrow account was transferred from XXXX XXXX XXXX Loan # XXXX to XXXX XXXX XXXX XXXX loan # XXXX I have NEVER MISSED A PAYMENT. 

Either XXXX XXXX or XXXX XXXX did not pay my ESCROWED insurance and is now XXXX XXXX is force placing insurance on my account. My first payment to citizens one was XX/XX/10. 

I was unable to speak to a live person at either company. 

They did not do their job and now I am penalized.
Consumer complaint received 2020-10-13
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I am a victim of Identity theft and have been for several years. In spite of this I have debt collection agencies who continue to put false inaccurate information on my credit report. These collection agencies have been given proof countless times on these false inaccurate collections on my credit report. They have removed and added them back on my credit report. They are in violation of the FCRA and refuse to provide original signed contracts that prove that the information is mine. I have given them documentation that supports my identity theft claim. They have failed to remove these false collections
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

XXXX XXXX XXXX XXXX has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " Speedy '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'Speedy ' or XXXX XXXX XXXX XXXX. This account is XXXX.
Consumer complaint received 2018-07-20
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. (TX)

I had medical bills that were originally disputed to the provider and as a result they turned them over to collection. I was notified by the " collection agencies '' of the accounts and promptly disputed within the FCRA guidelines. I was notified that these accounts, shortly thereafter were reporting on my credit reports at the three ( 3 ) credit bureaus.I explained in my disputes that they were reported due to unauthorized services during a hospital stay and services that were bordering on malpractice i explained that I had discussed this already with the providers directly. .Additionally noted that the " collection agencies '' did not comply within FCRA guidelines and respond to my disputes but merely put the accounts on my credit reports within days of their letters.

XXXX and Experian both removed the accounts from my reports. 
XXXX refuses to do so and after several disputes filed and phone calls they say that I should of contacted them and not the " collection agencies :. This makes absolutely no sense as how can I dispute something that is not on my report, makes NO SENSE. 
They continue to refuse to listen to reason.
Consumer complaint received 2022-09-12
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)

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-30
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (DE)

I have openned a XXXX Paypal Account and received funds form our sales from XXXX website. email : XXXX XXXX NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). 

So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? 

I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account.
Consumer complaint received 2021-02-28
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. (MD)

I have repeatedly told equifax & XXXX  that I do not nor have I ever lived at the address that they continue to report as mine. 
Ive gone a step further by certified mailing them an information update form AND a FULL COPY of my lease. 
They continually report me as living in Utah and it has caused major impacts in my credit.
Consumer complaint received 2020-07-16
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. (GA)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor are they related to anything I did. Im unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (MI)

I have a Smart Access checking account with PNC Bank. The account number is XXXX. 
Unfortunately, PNC, habitually refuses to follow Federal, State, and their own guidelines in handling my account. 
Approximately three weeks ago I reviewed my statement and there were multiple debits from vendors I had never heard of. 
Typically when this occurs I ask the Bank for a contact number for the vendor as it is typically more expeditious to contact the vendor directly and advise them the particular charge was unauthorized and the vendor contact the Bank. 
On this occasion I was told by PNC 's charge authorization department they were unable to notify me of any contact information regarding the multiple vendors and multiple unauthorized debits, but I would receive documentation for me to sign within 48 hours and a replacement VISA Debit card within 14 days. 
It has been over three weeks and I have received nothing from PNC and when I review my account on line there is a negative balance still reflected because of all the unauthorized transactions! This in and of itself negatively effects my credit worthiness as if I were to go to a different financial institution to open a checking account without all the chronic problems I have had with PNC, the fact that they are reporting a negative balance on unauthorized transactions which the Bank has known about for greater than 3 weeks prevents me from switching to an institution that does not chronically violate Federal and State law, and also their own written rules issued when I opened the account.
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUSTERS , L.L.C has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " XXXX '' of which I have not done business with. I was notified by XXXX  that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX  point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'XXXX  ' or NATIONAL CREDIT ADJUSTERS , L.L.C. This account is FRAUDULENT.