davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it.
Consumer complaint received 2022-08-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (VA)

Aidvantage and XXXX have reported negative and adverse past due payment histories multiple times on all three of my credit reports. I was told that I was in forbearance, due to being unemployed at the time, and that my account would be in good standing. My credit has been adversely affected by their fraud. I have copies of all three credit reports would really appreciate any help I can get, as I can't buy a house, get a loan, or anything. Thank you in advance for all your help.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-12-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

XXXX fraudulent transfers made Send-on date : XX/XX/year> From : 4 % savings... XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$4900.00} Transaction # : XXXX Send-on date : XX/XX/year> From : 4 % savings... XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} Transaction # : XXXX US Bank took no action to recover funds and by the time law enforcement was involved the funds had been taken out of the other amount as cash. Police tell me that the other account was opened under a stolen identity and there are no suspects. US Bank has denied my claim multiple times. They said that it wasn't fraud, and when I provided the police report number they denied it again because it was a duplicate claim. 

Police case number XXXX ( XXXX WA )
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I sent a letter XX/XX/XXXX the 2022 to remove personal information that I don't want on my credit report. According to FCRA 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people. These are in clear violations of my federally protected consumer rights
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (SC)

I am disputing charges with this account. I was told they sent me a letter and have been sending letters about recurring draft that I di not set up. On a call today, I was told they did not have to send to me, but then later in the conversation it was then said they sent it but have no copy to send to me. 
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Consumer complaint received 2022-12-17
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)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-12-17
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)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from Experian, XXXX, and XXXX. I have not heard anything back from these XXXX XXXX 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as XXXX hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had XXXX hard inquiries. 

From my calculation it suppose to be only XXXX inquiries not XXXX. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my XXXX XXXX.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Consumer complaint received 2022-12-17
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. (IL)

I, XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. 

Experian also does not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) 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. 


As a consumer, I am demanding the deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: CCS Financial Services, Inc. (NC)

I have contacted Credit Control Services several times and they know this account is fraud, But them keep reporting it back with a different account number to make a new collection trade line on my credit file. I do not live nor have I lived in XXXX XXXX  I live in XXXX XXXX and I have been a XXXX XXXX XXXX XXXX  for over XXXX XXXX in XXXX XXXX  I will next be filing a civil action against this company Credit Control Services if this account isn't removed off my Credit file with all three credit Bureaus in 48 hours. enough is enough.. I will not stand for fraud on my file. I have file a report with FBI and NC insurance commissioner to investigate this company Credit Control Services.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to unfreeze my credit report using TransUnion 's online site. I got an error message saying " Unknown '' and that the service was temporarily unavailable. When I called the number listed for immediate service, I was sent through a phone tree to verify information. That was unable to unfreeze my account, and it sent me to a person at a call center. This person said that the system had recorded multiple attempts to unfreeze and would not allow any additional attempts for 24 hours. The person on the phone referred me to their paid service which she said could activate it immediately. Every time over the past 2 years that I have tried to unfreeze my credit with TransUnion the web portal is " temporarily unavailable. '' This seems to me to be a blatant attempt to make dealing with their company through these channels so annoying that people will sign up for their paid service.
Consumer complaint received 2022-12-01
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-01
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. (CA)

Experian conducted their own " re-investigation '' into accounts that I never " disputed '' in the first place. I never asked Experian to investigate ; nor, have I disputed these accounts. 

My current credit report shows this comment " Account Information Disputed by Consumer '' on the following accounts not in dispute. See attached credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Comments : Account information Disputed by Consumer XXXX. XXXX XXXX Account XXXX : XXXX Comments : Account previously in dispute- now resolved - reported by subscriber XXXX. XXXX  XXXX Account Number : XXXX Comments : Account previously in dispute- now resolved - reported by subscriber
Consumer complaint received 2022-12-05
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: Early Warning Services, LLC (TX)

I have no knowledge of these accounts that are reporting to my consumer report. 

NAME OF ACCOUNT : 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
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I was on vacation with my wife and suddenly our bank account was sending money to people we dont know. People in XXXX XXXX and XXXX and other places. I complained to the bank and they said it was thru XXXX and that it is totally secure so it had to be me. 
I never send thousands of dollars to strangers, let alone my own family. Im out {$2000.00} for 6 months now and I just learned about you guys. Please tell Chase to give me my money back.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00}
Consumer complaint received 2022-12-24
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. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602a. States that I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-05
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: General Motors Financial Company, Inc. (MA)

There are multiple duplicate hard inquiries on my credit report. From XXXX XXXX through XX/XX/XXXX of XXXX. I bought a new car and I was told they were preforming soft inquiries. I understand upon completion of the loan that there would be a hard inquiry. I believe there are about 12 hard inquiries probably more in that time frame. Also there are duplicate inquiries, I didn't ask for my credit to be run that much. Also I think it is only right that at least the duplicates should be removed. It is literally like Americredit is on it 4 times. There is also a duplicate inquiry for XXXX  XXXX. Can you please help me get these inquiries removed?
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Saturday, XX/XX/2022 money was stolen out of my BofA account through XXXX. Two withdrawals totaling {$700.00} was stolen. 
The bank was contacted immediately and they had my son XXXX, to call on the following Monday to dispute the charges. He was given a claim # to initiate an investigation. Everything was explained but after not hearing from the bank after 2 weeks, we went to the bank and were told that the claim was denied. BofA denied the claim due to stating the withdrawal came from XXXX 's phone, an XXXX XXXX and he didn't and doesn't own an XXXX  XXXX. He went to XXXX to submit proof that it wasn't from his phone so we submitted another claim with the proof. The 2nd claim was denied because supposedly another issue was a code was sent to the XXXX XXXX. Because XXXX owned an XXXX XXXX we concluded his phone was hacked. 
BofA is denying a refund of the monies and are denying his 2nd claim. 
Included is the proof for his XXXX XXXX which was under his aunts ( XXXX XXXX 's ) name - he is on her acct ) The bank cancelled his old account # which was for the complaint, and he now had a new account # XXXX.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I was told that the account would be fully removed from credit upon payment. It has been XXXX weeks and the account is still reporting. Please remove the Coll bureau collection from the credit as it a fully paid medical collection and should be removed. Please see confirmation of payment attached. The account was settled for {$1000.00} and paid
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 corrected : XXXX XXXX XXXX : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2022-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance This company illegally made me put a down payment on the vehicle when I got approved for the loan. I also contacted the agency and informed them that I was having issues paying the vehicle off and the illegally repossessed the vehicle. Ive never received a notice of repossession.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

On XXXX XXXX sent Nation Credit System Inc XXXX  mail letter .To not to contact me by mail, phone in anyway until they have verified the debt.They haven't seen me any verification of any sort.They wrote me a letter not giving any proof to debt, but threating to sent said debt to credit bureau.Threating my to make it difficult to get credit, or housing.This is harassing me.
Consumer complaint received 2022-12-01
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. (AZ)

In accordance with the Fair Credit Reporting act : 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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. 1681 S-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.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Credit and Collections Inc. (MO)

Debt collector is saying that I owe debts I have no knowledge of or do not owe. I tried to contact company. The were unwilling to give me any information about this. Told me if I was a victim of identity theft it was not there problem