davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

We got scammed trying to rent a home. Someone was posing as a real landlord. We sent electronic payments through XXXX and the moment that we realized it was a scam we contacted the bank and opened cases for fraud and also informed the police as well as XXXX. The bank credited us {$1500.00} which was half of the money that we lost while they did the investigation. After that it was determined nearly a month later that the charges were not fraudulent and they would not be returning our money and instead would be debiting back the money that they credited us from our account. We sent 90 documents of proof including emails transaction reports text messages and screenshots to the bank along with a letter asking them to reconsider and explaining the scam and fraud. We can not pay our rent at our current home now, have 4 small children and no money. We got completely screwed and the bank wont side with us. Weve been long time customers for 15 years. All transactions were to the same merchant.
Consumer complaint received 2022-04-25
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According with the fair credit reporting act XXXX account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-07
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 sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested. 

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question ...
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to XXXX XXXX XXXX XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
Consumer complaint received 2021-10-18
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: Experian Information Solutions Inc. (IL)

Hi experian has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. experian has me at a score around 592. That is a huge difference. experian paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have seven negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 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 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

My unemployment money has been going on a prepaid debit card by a company called Go Program - The Dept of Labor has been issuing my weekly payments since XX/XX/2020 and I have yet received this debit card - the phone number of XXXX is impossible to reach anyone - when you call it just hangs up on you - if you attempt to look online and register with this company you have to have your card number - I have no card - I am sitting here about to get evicted from my home with my two young children because no one will answer the phone - I have a total of over {$5600.00} on this card and no way to get it - the Dept of Labor has done its job but it is impossible to get anyone to even ask about where the XXXX my card is - I understand the world is in crisis right now and they are overworked and very busy but XXXX I have called every day at all times of the day and night for weeks and have not one time ever been able to talk to anyone - when I get evicted with my children I will be filing a lawsuit on this company for holding funds that do not belong to them! that is theft!
Consumer complaint received 2020-07-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2023-04-11
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)

XXXX XXXX, XXXX my consumer report : XXXX XXXX XXXX XXXX, Account # XXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, XXXX15USC1681. Failuretorespondsatisfactorilywith deletion of the above referenced account ( s ), and sending out a free copy of my report after the of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-06-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (LA)

XX/XX/XXXX : My student loans were paid in full by XXXX XXXX. Somehow, less than {$40.00} was appended as " Fees '' by the collections agency servicing the collection. No notice was provided about these " Fees ''. 

Additionally, the {$5200.00} Payment was not reflected on my credit reports. I have received ALL of the negative impacts, but none of the positives. 

Payment Effective Date : XX/XX/XXXX Payment Type : Treasury Offset Payment Amount : {$5500.00} Applied to Principal : {$4500.00} Applied to Interest : {$660.00} Applied to Fees & Charge : {$17.00} I have contacted studentaid.gov, Dept. of Education in general, XXXX and Reliant Capital Solutions. All have said " We can't see the balance when the payment was made. '' " We can't correct the error, contact ( one of the other entities ) ''.

studentaid.gov refused to provide me with a customer support phone number while I was in chat until I literally became irate, which the agent THEN decided to provide me the requested information and terminated the chat. 

In short, I've been robbed of my positive credit history and the ability to acquire a mortgage due to " Fees '' from a collection agency AFTER my student loans were paid in full by XXXX. The reported data is inaccurate due to lack of " Date of Last Account Activity '', and not showing the paid amount ... just that the balance was reduced. 

I would have paid the remaining balance, if I was ever notified about it. They had my physical address ... 

XXXX*EDIT : STUDENTAID.GOV SHOWS INTEREST RATE OF 0.00 %! HOW ARE YOU CHARGING ME INTEREST? ALSO SHOWS LAST PAYMENT IN XXXX! ARE YOU NOT REPORTING AT ALL?! **
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: Experian Information Solutions Inc. (VA)

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 2023-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

XXXX I called IC Systems to set up a payment. I settled the debt of XXXX to XXXX. I made a payment on XX/XX/2023. The XXXX payment which was removed on XX/XX/2023 out of my checking account. They said they would email me a copy statement of my transaction and the agreement to my email : XXXX within XXXX hrs. I have received anything from them. 
XXXX I called IC Systems again to follow up with email that i have not received that was to show i paid the XXXX and the agreement to pay the other half of my debt. When I called the manager said they did not have the correct address on file, therefore i need to update my current address before I can get the email notification. Then the manager said i could not get the email immediately despite the fact I have waited the 24-48 hours. She said i will have to wait another 24-48 hrs because my physical address was not updated. This is not my fault. 
XXXX 3rd party Representative called with 3rd party on the line to verify information and the representative said they could not verify the payment made because they did not have access to see the information. 
XXXX-I then called IC systems back with no one on the line but myself and IC systems representative whom said that a payment was made of XXXX and the other payment was. 
XXXX called again got a representative who finally found my account with a 3rd party on the line and finally verified my information.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

LVNV FUNDING LLC has denied my request for Validation. They deleted inaccurate reporting with XXXX, but refuse to remove inaccurate reporting with XXXX and XXXX. 
See Attached Documents.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022, I sent a domestic wire transfer from Chase to XXXX XXXXn the amount of {$70000.00}. XXXX has restricted my account. On XX/XX/2022, I requested that Chase retail wire transfer dept. recall the {$70000.00} from XXXX and transfer to my Chase checking account ending in XXXX. Chase has not contacted XXXX nor has XXXX sent back my funds to my Chase account. Chase inquiry # XXXX. XXXX case # XXXX.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance reposessed and sold the vehicle I Financed. I received an " Explanation of Calculation of Deficiency '' dated XX/XX/2022. Per the letter, Capital One Auto Finance informed me that the vehicle was sold at auction for the sum amount of {$13000.00}. Leaving a Deficient balance amount of {$10000.00}. However, the information the data furnisher is submitting to the 3 major credit bureaus does not reflect that balance. 
Per my XXXX credit report as of XX/XX/2022, It shows I have a balance of {$25000.00} which is not accurate.If the reposessed vehicle was sold for {$13000.00} and has a balance of {$10000.00}, then the credit information being furnished to the credit bureaus should reflect that.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I reached out to the lender on multiple occasions regarding my financial hardship, I was deemed medically XXXX by my healthcare provider, I was unable to work and no longer could sustain a living. The repossession was incorrectly reported on my credit report and I would like it removed immediately.
Consumer complaint received 2021-05-05
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX  XXXX Account Number : XXXX 2. XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX