davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental XXXX damage.
Consumer complaint received 2021-12-04
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. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TRANSUNION. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TRANSUNION has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX. XXXX XXXX XXXX Date XX/XX/2021 ;
Consumer complaint received 2021-12-04
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: ALLY FINANCIAL INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-12-04
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: Nelnet, Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. I have read enough to understand my rights. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET XXXX XXXX XXXX  XXXX, XXXX Balance {$600.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXX Balance {$440.00} ; DEPT OF ED/NELNET XXXX XXXX XX/XX/XXXX Balance {$1900.00} ; DEPT OF ED/NELNET XXXX OpenedXX/XX/XXXXBalance {$3600.00} ; DEPT OF ED/NELNET XXXX XXXXXX/XX/XXXXBalance {$3800.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$2100.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$1900.00} ;
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-12-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received a letter from Bank of American earlier this week informing me I am late on paying a {$34.00} charge. I contacted BOA  to learn they never sent me a billing statement in the mail as has been done for 25 years. Also learned they closed my account over {$34.00}. While waiting for BOA  to correct their failure and send me the bill, I checked my credit with all credit reporting agencies. BOA  reported this as a late payment. I engaged in a dispute resolution with each. XXXX just contacted me and said they reviewed and closed the dispute. Nothing changed on my credit record. No explanation is given either. I want the late reporting to be removed as BOA admitted on the phone call they changed my billing to electronic billing. They did this without my knowledge and without my permission. BOA should not be allowed to report late payment based on their error. XXXX should not close a dispute with no action or explanation.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received an email from McCarthy, Buress & Wolff , XXXX on XX/XX/XXXX. The firm sent a letter declaring that XXXX XXXX owes XXXX XXXX {$14000.00} ; this debt is a XXXX XXXX XXXX. We have had this insurance since XXXX and terminated my insurance services with the company in the year XXXX. The XXXX XXXX  replied to the firm email, commenting that their information does not match our payroll records. We provided proof that we faxed the documents to the XXXX XXXX XXXX XXXX to XXXX XXXX but never received an answer from the company. We sent the firm our payroll records which match the IRS. We also sent them the forms that clearly state XXXX, XXXX, and XXXX XXXX to be excluded from the policy because they operate as ( Partnership ). Also, the Builders and XXXX XXXX XXXX XXXX XXXX XXXX sent us a letter in XXXX informing us they would no longer work for XXXX XXXX XXXX. XXXX knew this information and still decided to work with us knowing we didn't have an agent representing us. The payroll information is incorrect, and they can not be guessing any incorrect payroll information. XXXX never asked for the partners ' information because from the start, they were excluded. We provided the correct information, but this debt collection company wants us to pay the wrong amount. Would you please look into this matter? Thank you!
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

During XXXX, Transunion, and XXXX XXXX after my disputes in XXXX, 2021 and XX/XX/2021 XXXX, Transunion, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that XXXX, Transunion, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
XXXX. XXXX, Transunion, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
XXXX. XXXX, Transunion, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
XXXX. XXXX, Transunion, and XXXX has not conduct a proper investigation pursuant to federal law XXXX15 USC 1681a- ( e ).
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2021, a fraudulent check was deposited through the mobile XXXX app. The amount was on {$2500.00}, and my signature was forged. On XX/XX/XXXX, I noticed two XXXX transactions, sent from my phone number, amounting to {$2000.00}, which I reported almost immediately. I asked Fifth Third to stop my account, dispute the charges, and figure out the issue. The two XXXX payments were completed, and when the noticed fraud check was returned, it left my account at a negative balance of over {$1600.00}. After almost two months of constant investigation, my plea was denied, due to the fact that a " one time pin code '' was sent to my phone, warning two XXXX payments were going out to an unknown email. I was part of a data breach at XXXX XXXX and XXXX, in XX/XX/2021, which may have resulted in my phone number and personal information being hacked. Realizing this, I sent all proof of documents through their email, which proves that my phone may have been hacked and my information has been definitely exposed. I bought a new phone, changed my passwords, and await for an answer, and have also filed a police report in the location the one-time pin code was sent. I am a college student, have scholarship funds I placed in my checking account for school ( which were stolen ), and have been a loyal customer. I just want my stolen money back, and make the situation go back to its normal self. I am now limited to paying school fees due to the fact that money was taken out unwillingly, and Fifth Third is not resolving the issue.
Consumer complaint received 2021-12-04
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: EQUIFAX, INC. (PA)

I, XXXX XXXX, The Consumer, ceased communication with XXXX XXXX XXXX  XXXX, account numbers XXXX on XX/XX/2021. XXXX XXXX XXXX  XXXX contacted me after I sent in my Validation of Debt pursuant to 15 U.S. Code 1692g along with my Cease & Desist to CEASE COMMUNICATION through ANY medium pursuant to 15 U.S. Code 1692c ( c ) on XX/XX/2021 upon receipt. I, XXXX XXXX, The Consumer did not give written instructions to XXXX, XXXX, AND EQUIFAX to report such debt pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) Reports furnished must be in accordance with the instructions of the consumer. XXXX is now reporting XXXX XXXX XXXX XXXX as charged off on dates XXXX XXXX  and XXXX XXXX. Also Reporting 30 days late on XXXXXXXX XXXX and XXXX days late on XXXX XXXX XXXX is now reporting XXXX XXXX XXXX XXXX  charged off as bad debts with 0 Days Late on dates XXXXXXXX XXXX Equifax is now reporting XXXX XXXX XXXX XXXX charged off on dates XXXXXXXX XXXX and XXXXXXXX XXXX Late on dates XXXXXXXX XXXX. Good standing on Dates XXXXXXXX XXXX I did not consent for this negative item to appear on my reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

Received a hair treatment Olaplex and Flat Iron on XX/XX/XXXX. However, the stylist used a wax which made my hair turn stiff as opposed to flow with body and volume. I called the next day on a Monday to inquire about this issue. I was informed the person whom was available to do my hair was leaving within two hours. I was unable to make it there within that time frame. Shortly after this I had symptoms of XXXX and quarantined myself for several days. Yes, I experienced other life issues which detained me. I went to the store XXXX and spoke with XXXX the general store manager to explain the above. Meanwhile, the next day the salon manager explained to me the stylist that did my hair is no longer with company and unable to redo The salon manageXXXX explained to me that their employees do not work without a commission, and I would need to pay for the new stylist. My response Is it my fault the stylist is no longer there. I said this will not work. I wanted to speak with XXXX but, I realized it would be redundant as I spoke with her initially. The salon manager hung up without saying bye. From the conversation it was evident she was not interested So if I will need to pay for the new stylist to correct my error. I need to have my previous service refunded because of the error in the result of my hair. The error was verified via the stylist and it was to be redone initially the next day but I could not make it there within the two hours given. With COVID guidelines I want to make sure that I am not passing on any symptoms and possibly virus to the public and I was in quarantine. It does not seem fair that I was not able to make it there accordingly and now I need to pay for a new stylist due to an error by your employee and I am being accountable for the redo at my own expense regardless to the fact my hair was UNSATISFACTORY
Consumer complaint received 2021-12-22
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: EQUIFAX, INC. (CO)

I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit report act Comenity bank/ XXXX, XXXX XXXX XXXX XXXX XXXX credit card has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (CA)

Per the attached credit report, Real Time Resolutions is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, RTR never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (GA)

YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON XXXX, EXPERIAN AND XXXX I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX  # XXXX AMOUNT {$6100.00} AND XXXX XXXX  {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016