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

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : 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 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 2022-08-06
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)

Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of 2018. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. ()

Dear Sir/Madam : I am a XXXX at XXXX XXXX and had transferred USD XXXX on XXXX XX/XX/2019 from my salary account through my card for my family expenses to my XXXX account number at XXXX  XXXX XXXX ( the details are attached for your ready reference in the attachment ). I received message from Remitly INC of money transferred but did not receive it in my account in XXXX. I checked with in my branch after not receiving the money in my account I called Remitly INC. Remitly told me to check with the XXXX   in XXXX and to send me a copy of my Bank statement. I have done that and send them all the documents which they asked for over the phone. 

I have send several statement to Remitly, called them but till today have not received my funds. I even made a complaint to the XXXX XXXX  XXXX XXXX which is the XXXX XXXX  XXXX XXXX and all the Banks are under the control but my funds are still not received. 

I have gone thru lots of hardship during my stay in XXXX and had to borrow money for my family expenses. 

Now Remitly does not write to me or call me or give me any updates of my funds. They are not at all bothered. 
I was on ship from XX/XX/XXXX in XXXX Lockdown and could see the Remitly INC office from the ship but I was not able to go out of the ship and complaint to them in person or recover my money. I had no salary on the ship. 

Now in this trouble time I need this money for my family. I have taken loans and have to repay and my family includes my XXXX school going children ( age XXXX and XXXX  years, my spouse, my father who is XXXX  years and my sister XXXX  years I have to take care of in XXXX. I have no money now. 

Please help me to recover my money. 

I have attached my documents for your ready reference. 

My contact details are : XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX or XXXX XXXX XXXX or + XXXX XXXX XXXX Email Id : XXXX or XXXX XXXX
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXXXXXX XXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I raised a dispute ( that's a dispute on a closed dispute that was ruled in my favor ) with TransUnion. They solved the error but sent me a report that's completely unreadable. 

Even before credit reports, they have added a paper saying that I've to pay {$10.00} to purchase credit score. 

They updated the status of my dispute results to 'Unknown '. I have no clue how to read that unless I purchase their report. 

Seems TransUnion 's money-making method is to report something wrong, make people pay to resolve. If they don't pay, send them a dispute resolution report that you won't understand without paying. You will understand only if you pay them money. Such a cheap monetization method. 

The resolution document mentioned I can ask TU to send my credit report and score to those that received my report in the last 6 months.

When I contacted TU, they say that it's not possible. Using credit monitoring service from the credit card company is the way to update my new scores at my credit card companies.
Consumer complaint received 2021-08-24
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. (NV)

Item on credit report, reported to trans union, as paid in full, they refuse to investigate, or correct, Ive contacted the collection co credit management lp they reported to all 3 credit agencys, the other 2 have removed it from my report. I keep disputing the say they investigate but nothing changes, its been settled for over 2 1/2 months and still nothing!!
Consumer complaint received 2023-06-29
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: Radius Global Solutions LLC (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MA)

HI WAYPOINT RESOURCE GROUP / XXXX XXXX XXXX # Account Number XXXX ; Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im absolutely devastated and never banking with Bank of America again!! On XX/XX/XXXX, I had been out with family and had lost my phone for a couple of hours while at a mall / round XXXX bowling. I ended up finding my phone on a seat in the bowling alley. It seemed fine but then I noticed a couple of days later I had {$5000.00} taken from my Bank of America account and sent to a random address on XXXX. I have never seen this address before and filed a fraud claim with bofa. Today, I see they denied it and arent paying me back for the stolen funds. I called a rep and they said its because they sent me a text about the purchase and I texted back yes I mentioned to them my phone was stolen and the person obviously deleted the messages or any emails to alert me!! I want my money back it was a huge amount! I did NOT authorize that purchase and would never purchase such a high amount on XXXX XXXX. I need my claim paid and resolved!
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: LD Holdings Group, LLC (OR)

My husband made our XXXX mortgage payment to loan depot online and received a confirmation email from them stating the payment was successful. The payment did not process however and they did not contact us to notify us of the error and after 30 days automatically reported us to the credit bureau agencies. Once we received a notification from our bank of negative credit activity we investigated the cause and discovered it to be loan depot. We contacted them immediately and made payment as well as providing evidence of the confirmation email which indicates we made the payment on time. Despite this they refuse to redact the negative credit report. The dispute has been ongoing for months and they have not shown any willingness to help resolve the situation satisfactorily and have ignored requests for call backs.
Consumer complaint received 2022-08-06
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)

The Credit Bureaus never did a proper investigation according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
That did not happen. 

Also, they violated the law because according to 15 USC 1681A ( 4 ) They did not respect my right to privacy. 

15 USC 1681B ( 2 ) I didnt instruct them to furnish this report or to create this report and I never consented to this report in the first place.
Consumer complaint received 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I believe my loan servicer and/or school placed me in a school deferment when I was not attending school. On my student aid account, I am listed as being in school deferment from XX/XX/XXXX to XX/XX/XXXX. I was a parttime XXXX  at XXXX XXXX XXXX from in XX/XX/XXXX then I transferred to XXXX University XX/XX/XXXX to complete a XXXX XXXX. I attended an XXXX XXXX  at XXXX University from XX/XX/XXXX and finished XX/XX/XXXX. I did not return to school until XX/XX/XXXX ; however I am listed as being in school the entire time. I was XXXX  full-time at a XXXX full-time this entire period as XXXX XXXX XXXX and then as an XXXX once I graduated in XXXX. The period from XXXX should count towards my XXXX forgiveness as I should not have been placed in deferment. I was XXXX  full time at a qualifying employer the entire time. I also made payments during the times I was not in school. I had no idea at all I was placed on this until I applied for XXXX for the first time until I was alerted you could find your student aid form on XXXX website. I have tried to resolve this with XXXX without any response. I also tried to resolve this with XXXX XXXX, and XXXX  XXXX. My loan servicer at that time was XXXX XXXX XXXX which has a very poor record keeping history and a bad servicer and has since closed.
Consumer complaint received 2021-06-09
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. (IL)

I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Consumer complaint received 2023-06-20
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 reported fraud to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed charges on what was to my knowledge a ( closed card ) The charges totaled {$430.00} The charges stemmed from XXXX I had an identity theft report, I had an agent as well as an FTC report XXXX 
I disputed unauthorized charges on a card from XXXX XXXX XXXX 
I spoke with the fraud team to dispute the charges and had confirmation from the agent that the card was indeed closed so i am not aware how the charges were made. 
The agent explained while I was enrolled in the credit protection, they reopened the card. 
This was done without my knowledge. 
However they provided a provisional credit, Next, i requested they close this card, send a new one, I pay my bill for the month as I await my new card to be shipped. 

As i receive the new card, I realize that they reversed the provisional credit from the fraud in which i was supposed to be 0 % liable. 

They also waited until after i paid my bill. 
This was unethical, I reported this to them, they sent me a charge from XXXX {$19.00} A charge from XXXX XXXX to some unknown name {$120.00} I never made a prior purchase or any from the merchants " XXXX or XXXX XXXX 

I redisputed the fact that they reversed my provisional credit. 
They provided me a letter showing something was ordered and shipped, i have no order I received in my building, also, I have that XXXX XXXX charge that they only provided the transaction details from XXXX XXXX  No where in those details does it support or show that they can hold me liable from fraud from a compromise from unauthorized charges. 


I already established with the fraud agent when making the report for dispute XXXX that I hadn't used my card in entire XXXX  year going all the way back to when I enrolled in credit protection program, That is when the card was closed. 
They had a discrepancy on their end, reopened the card, the lost card which was reported was used. 

I am disputing this {$12000.00} & {$19.00} totaling {$140.00} this has been causing financial burden This has caused my credit availability to change This has dropped my credit score this has caused overwhelming issues. 

I am reporting XXXX XXXX XXXX their practices of false misleading assurance is wrong. 
They are not doing their part for the consumer on the card and services they offer. 


I reported this to all the bureaus I reported the fraud to FTC
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (AZ)

On XXXX the XXXX XXXX XXXX report attached is inaccurately and falsely alleging XXXX judgement evictions against my credibility without providing any notice for me to validate any debt as per XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( XXXX ) A Consumer, Natural Person has the right to Accuracy and fairness of credit/consumer reporting. I have never heard of this Consumer reporting agency so clearly they have never validated if these alleged evictions ( judgements ) are valid and not fraudulent or sustaining from Identity theft in which I am a victim of. In fact all consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681cXXXX XXXX of information resulting from Identity theft. I have never been in court regarding these allegations nor are they reporting on any other of my Consumer Reports therefore I demand to know the validity and whom the Original Creditors are and the Investigation results that led to this inaccurate, abusive and deceptive reporting. Pursuant to 15 USC 1692 ( g ) ( a ) as a consumer I have the right to obtain a Notice of debt ; contents and have the right to dispute its validity if I am not in-fact the original creditor, however XXXX Reports violated the federal law and willfully disregarded 15 USC 1692 ( g ) ( c ) which states that failure to respond especially without prior notice of this debt because its fraudulent does not constitute liability ; in-fact according to section ( c ) Admission of liability it reads The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I, therefore request that these Fraudulent Evictions that are effecting my credibility and creditworthiness as well as debilitating my ability to extend credit and receive housing makes XXXX reporting guilty of violating several Federal Laws and I am willing to prosecute to gain remedy for the injury and defamation of my character. Pursuant to 15USC1681 CXXXX all fraudulent reporting deriving from Identity theft should be immediately and permanently removed from all the Consumer Reporting Agencies .