davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MO)

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completely from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. 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 and pursue legal action. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (MI)

on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX VXXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX  Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$560.00} Date XXXX : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (NY)

Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, Equifax and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.
Consumer complaint received 2022-08-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and USAA handled the case. USAA sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have USAA provide information on that statement. 
USAA said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after USAA informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting USAA said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}
Consumer complaint received 2019-10-22
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)

I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

Choice recovery responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via XXXX  website and Transunion website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-22
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. (OH)

Have multiple inquiries on my credut report from XXXX XXXX   XXXX XXXX XXXX XXXX 3 hard pulls fraudulent. 

XXXX XXXX. 


I have contacted each and was told to contact the credit burea XXXX XXXX stated they would remove within 45 days XXXX and Equifax are telling me I cant dispute the fraudulent inquiries on my credit report. 

XXXX is also refusing to block XXXX XXXX and XXXX XXXX knowingly reporting fraudulent information
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I usually pay my monthly rent through online banking at Bank of America. 
On XXXX and XXXX I made two payments of {$3500.00} through the Bank of America app that ended up in the account of someone I do not know, I have never had contact with and whose bank information somehow made it to my account. I verified that this individual ( XXXX XXXX XXXX who apparently has an account at Bank of America has never made or received a transaction from me before. I suspect either there is fraud or a banking error on my account. 
I filed two claims with Bank of America on XX/XX/XXXX for the two payments. I have not received any updates since then. I was told in store that the only way I could get the money bank is if that supposed individual agrees to hand it back. 
After more than 10 business days of 'investigation ', I still did not receive any provisional credit.

I believe the Bank is in violation of Regulation E which requires them to give provisional credit if they can not complete their investigation in 10 business days. Moreover, since that payment was clearly an 'error ', by Regulation E the Bank should refund the money. Finally, as I do not know that individual, I believe there either fraud or banking error on my account.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (GA)

Good Evening. To Whomever This May Concern. My name is XXXX XXXX. I received something in the mail from Galaxy International Purchasing LLC sent something to me stating that I owe XXXX for a debt with XXXX XXXX. XXXX XXXX has already removed this out of their system because I sued them and won because this is a debt as a result of identity theft and I had nothing to do with it. This company is trying to come after me for a debt that is not owed and is a result of identity fraud. I believe these people sent someone to my daughter 's house at XXXX at night as a process server. I will be contacting the police and she will as well because she said that they were taking pictures of her home. They were trespassing.
Consumer complaint received 2022-02-04
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX XXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
After I disputed the wrongly added delinquency with TransUnion on XX/XX/XXXX, TransUnion failed to meet its reinvestigation obligations and, on XX/XX/XXXX, sent me the dispute result without correcting this wrongly added delinquency ( the dispute result is attached ).
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian aided a fraudster in stealing my identity. They allowed the fraudster to create a PIN and security questions/answers and are continuing to allow them to use this information and change my personal email and phone number to theirs, and request credit and open accounts in my name, even after I contacted them to inform them of the problem. To date this fraudster has opened 4 XXXX XXXX accounts in my name and attempted two others. I have both their email and phone number from the applications at XXXX XXXX to get credit approval and open these 4 accounts. 

Experian has refused to help me other than allowing the situation to continue for 7 - 10 more days while I send them undefined paperworkand they told me to check back every 2 hours or so until then to see if the fraudster has attempted to access my account. 

Their mishandling of my personal identity should spur an investigation into their perpetration of identity theft. 

I have since contacted XXXX who took immediate actionsetup a secure connection for me to send them my drivers license and photo to prove my identity and they have committed to sharing this with the other credit agencies. They also put a fraud alert on my account.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I sent letters to a company named XXXX XXXX XXXX, because I noticed this was on my credit report right after the numerous breaches then I was notified by XXXX i was part of the data breach. ALL while fighting with them and the credit bureau 's then all of a sudden I seen it was sold to a company named LVNV, Funding, LLC, so I contacted and disputed with them through credit bureau's..and them..that I dont know who these people are never opened a account never opened up for a credit card..that this was and is identity theft..i contacted a credit repair company, because I was getting nowhere my contact with them always stated it was validated and sent over a blank statement with two numbers on it, no charges, payments..always came back you owe..but never validated it..brings to XX/XX/19 never notified by them never notified by bank or lawyer they levied my bank account ..this was reported as Identity theft fraud and they still where able to get to my bank account which I froze core credit and the other third party so I was protected..I am a XXXX and only get SS..and they had there company take my SS that protected federally..they meaning the companies should have done there due diligence before coming after me ... now there company is going to court for failure to follow the laws..and so is there attorney going also..this is a disgrace I am the victim and I still the victim by bully attorneys and companies.
Consumer complaint received 2022-08-10
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)

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX XXXX TO ALL XXXX CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISCHARGE WAS XX/XX/2012 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX EQUIFAX/ XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX OF XXXX XXXX THE XXXX XXXX TRUSTEE.
Consumer complaint received 2022-08-20
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. (CT)

In accordance with the Fair Credit Report act XXXX  account # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank failed to issue the {$300.00} bonus within 140 days after my XXXX Checking account was opened on XX/XX/2021, and the required direct deposit of {$2500.00} was made way before the required 60 days on XX/XX/2021. The Bank is now in breach of the contract as advertised and posted online for the promotion when the full terms and conditions for my account have been met. See attachments. 

Despite countless contact with the Banks useless customer services agents, the problem still has not been fixed. 

The bank must immediately correct this problem and post the required {$300.00} to my XXXX Checking account without any delays!
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022, Transunion decreased my XXXX credit score by XXXX points although there are no collections or delinquency on my credit report and my current debt decreased. I had several issues and talked to Transunion about this matter several times and the problem still exist.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (NC)

XXXX credit bureau is following the Fair Credit Reporting Act by Reporting incorrect information about Medical data systems inc, I have documentation showing agreement made between me and XXXX XXXX XXXX at the Medical data systems inc company.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I have been trying to get my Experian report for almost 4 weeks now. I can not reach anyone over the telephone, and was told this was because i am a customer of their free service. I have used to contact and explain my frustration with Experians horrendous services. Those actions have led to email correspondence which has been useless, too. The online system is unable to verify my information. Attempting to upload my documents for verification is a dead end. The phone self-service has been a waste of time. I have been trying to access my credit report because I was denied credit in the last 30 days. Now, I am being denied a credit report even though this right is federally granted to me.