davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (OH)

I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX   refuse to remove the account from my bureau with false information.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX, American Express sent a message to me notifying that my account has been placed in collections placement. After having on-time payments for 2+ years and due to the impact of COVID-19 which I've tried to communicate with them, they closed the account with no suitable justification other than the account having a past due balance. This measure seems very extreme and excessive and an unwarranted exercise of improper actions taking for a small account unless internally they're looking to close unwanted account from an act of prejudice.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CO)

I have asked Barclays Bank Delaware multiple times via certified mail to fix two credit reporting issues for this account : 1. There is an inaccurate " CO '' code on the XXXX payment history for this account listed for XX/XX/XXXX, despite the fact that the account was settled at {$0.00} in XX/XX/XXXX. Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

2. The " Delinquency First Reported '' date on my XXXX report says " XX/XX/XXXX '' -- which is impossible since it was settled at {$0.00} in XX/XX/XXXX, with XXXX activity since then. This field should say XXXX XXXX, XXXX. Again, this is an illegal act of " re-aging '' the debt. 

Barclays alleges that this information is correct when it is obviously, and illegally, wrong. See attached letter dated XX/XX/XXXX. 

If Barclays can not report this account accurately after multiple disputes sent with full documentation, they must delete the trade-line from my credit reports entirely.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has recently started displaying an account status of late 120 days on my credit report. This is incorrect as the account was previously reported as a repossession & was previously charged off. I have never received any response to validation of debt requests nor any response to this issue. The account is too old to be reported on my credit report according to Texas state law. This is my final attempt to resolve the issue before filing suit according to FCRA & the Texas Fair Debt collection act. I do not acknowledge this debt as I have never received validation.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

I am writing to dispute the following information that Discover Card has erroneously and repeatedly provided to XXXX, XXXX and XXXX. Discover Card was referenced as an outlier that negatively impacted my loan offer by XXXX XXXX home mortgage in XXXX of XXXX as it was previously reporting in error multiple charge-offs and late payments up until XXXX. I have disputed the information directly with the credit bureau at least twice and have made multiple phone call to Discover Card to either report accurate information or remove from my files. It has been over a year and my concerns have not been rectified since I contacted Discover Card in XXXX of XXXX. My account was charged off in XXXX of XXXX and I made a payment in full in XXXX of XXXX. Discover card sent a letter to my address after I demanded it stipulating that I had paid the balance in full but is currently still reporting a failure to pay in XXXX of XXXX in my payment history. 
I am in the process of buying a home and Discover Card failure to report accurate information has negatively impacted me in the type of rate, loan amount, and loan that I qualify for.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have XXXX paid and settled. I have disputed these accounts to ask the credit bureaus to update the status correctly and the bureaus have not. I have reached out to the original agency to ask them to send an update to bureaus which did happen but the bureaus have not updated.
Consumer complaint received 2022-07-21
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. (AZ)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to 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 Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX BANK XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was pretty surprised after reviewing my credit report that I found a late payment on the following date : XX/XX/2017 The first thing I did was send in a request to yous asking to send me payment history with statement of the month which you claim I was late you simply responded with a letter that what your reporting is correct with nothing to back that up. 
I am not sure how this happened. I believe I made all my payments to you when I received my statements. My only thought is that my statement did get to me.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WY)

I keep receiving phone calls from Citi Bank out of XXXX XXXX, MO phone number XXXX. The calls are for an individual named XXXX XXXX and that is not me or my name. I have had my phone number for 19 years. I have no association with XXXX XXXX. They will not remove my number from their call list. They have recently called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX,XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. After the first 2 days of telling them they have the wrong number and to remove my number from their call list. I starting ignoring the calls.
Consumer complaint received 2018-08-29
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. (NY)

I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (IL)

REMOVE DATE XX/XX/XXXX AMOUNT {$13000.00} AND XX/XX/XXXX AMOUNT {$870.00} DATE XX/XX/XXXX AMOUNT {$3100.00} AND DATE XX/XX/XXXX AMOUNT XXXX AND DATE XX/XX/XXXX {$600.00} REMOVE ALL UNAUTHORIZED ACCOUNT AND BALANCES FAST REMOVAL ITS BEEN MORE THAN 60 NO RESPONSE ON WHY THIS IS HERE ON MY NAME
Consumer complaint received 2022-07-21
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: AutoNation Enterprises Incorporated (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-21
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: Americas Car-Mart, Inc. (AL)

Accordance to the fair credit reporting act XXXX  account below has violated my rights 15 u.s.c 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/2022 XXXX XXXX XXXX XXXX NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 COLONIAL AUTO FINANCE/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MECHANICS BANK (AL)

I was part of a fraud scheme where I was hired for a job, instructed to make purchases on my credit card to be reimbursed by the company I was hired at, I was reimbursed, then two months later the reimbursement payments were flagged as unauthorized and returned to the company 's bank leaving me with an unpaid bill. I was told to pay off my card balance initially then make the purchases. I contacted Mechanics Bank on XXXX and was told they could not help me because I was not on the account and did not let me file a claim with them. I do not have an account with Mechanics Bank, but I have all the account info that was given to me to authorize my reimbursement and attached the conversation showing authorization. 

XX/XX/XXXX I paid {$1100.00} from Mechanics Bank to my XXXX XXXX card XX/XX/XXXX I charged {$5800.00} to my XXXX XXXX XXXX XXXXXX/XX/XXXX A reimbursement of {$5800.00} was processed on my card from Mechanics Bank XX/XX/XXXX I was informed that my payments from XX/XX/XXXX and XX/XX/XXXX had been returned to my card and the balance was shown as unpaid XXXX Contacted Mechanics bank and they said they could not help me nor could I file a claim with them.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (WA)

Hello I want to file this complaint with CFPB because when I open the account with Albert, it was advertised with the account opening bonus as {$500.00} once I completed all the requirements. 

I've been really careful and fulfill all the requirement that listed in the terms and conditions and the bonus should hit my account after all the meet all the requirement. I tried to contact with the representative regarding the missing bonus and they spent couple of days to investigate and reached back to me with a different reason that's not included in the terms and condition. I am really upset with the false advertising and I wish to file the complaint and get the bonus ( {$500.00} ) back.
Consumer complaint received 2018-08-29
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: EQUIFAX, INC. (PA)

I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the  representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Consumer complaint received 2018-08-30
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: Clarity Services (PA)

XXXX XXXX on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (NE)

XXXX. Received letter XX/XX/2022 from collection agency stating debt owed. 
XXXX responded by fax of XX/XX/2022 not responsible for debt XXXX. Received e mail on XX/XX/2022 from collection agency of response recived. No acknowledge of faxed received. 
XXXX. On XX/XX/2022 responded to collection agency by e mail. Included all information that was faxed on XX/XX/2022. 
XXXX. Received a letter on XX/XX/2022 dated XX/XX/2022 from the collection agency, That we had not responded. 
XXXX. This is obviously harassment.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MD)

Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of XXXX FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars. I have also filed a complaint with my attorneys general office and the better business bureau. Equifax is willfully furnishing this incorrect information. Equifax stated ( see statement below ) that the information was verified with the furnisher. That is not true because I have a letter from the furnisher denying that you verified anything with them. Equifax also stated that they received the information from XXXX XXXX. That also is false because I requested my consumer report from them and there is no Bankruptcy listed on my report. Equifax did not even read the paperwork I submitted because they would not have responded with a statement that contradicts the dispute with factual evidence. So who did Equifax verify the information with for them to state that it is verified??? This is the big question. I will pursue all of my legal rights and request damages for willfully furnishing false information. 
STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE XXXX YEARS FROM THE DATE FILED. Public Record : Bankruptcy EQUIFAX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com.
Consumer complaint received 2022-07-21
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. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-21
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. (TN)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain inaccurate information in my file which I believe is possibly an Identity theft. Here are the list of information in my report : 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
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a 30-day late payment on my mortgage account listed on my credit report in the payment history section, called XXXX XXXX XXXX XXXX Mortgage Account, which date was opened on XX/XX/2018. I have disputed this account with XXXX and Equifax and they have not removed late payment for the month of XXXX to reflect a " never late ' payment status on my credit report and XXXX, Equifax and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this XXXX Late Payment for the month of XXXX from my mortgage account listed on my credit file for the month of XXXX immediately and if it is not removed, then I will be filing a lawsuit against XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for the Month of XXXX. XXXX Equifax it is reporting XXXX late and on XXXX it is reporting XXXX late for XXXX on my credit report. I have attached a copy of an updated letter, which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this XXXX XXXX XXXX for the month of XXXX is an error on their end and for the credit bureau to update the record to reflect pays as agreed for the month of XXXX. Therefore, I have attached it to this complaint.