davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. After reviewing my credit report, I found several items that are not accurate and require immediate attention. 

Firstly, I have no recollection of authorizing the following credit pulls, and I demand their removal : XXXX XXXXXXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX Secondly, I would like to bring to your attention that some of the inquiries have reached the statute of limitations and should be removed. These inquiries include : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX  : Date of inquiry : XX/XX/XXXX Furthermore, I dispute the following items that are not accurate : XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX : Account Number : XXXX - I don't remember ever being late with any of my payments. Please remove this harmful incorrect data immediately from my credit file. 
XXXX  : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXX Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX XXXXXXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
XXXX XXXX : Account Number : XXXX - I have no recollection of even belonging to this account. Please remove this frivolous account immediately from my credit report. 
I respectfully request that you investigate these inaccuracies and make the necessary corrections to my credit report. Please notify me in writing of the actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-01
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: Resurgent Capital Services L.P. (CA)

I filed two disputes with XXXX. 
1. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX XXXX. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX The answers were the same for both : Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/2020. 

I explained that this company is not mine in my first dispute. Only reason I found out about this company was because I found it on my credit report. Later I received a letter from the company my account was actually sold to. They never reported on my credit account. XXXX XXXX verified this information for me. So, I filed another dispute with XXXX   letting them know that this company should not be on credit report. They replied with the same result. 

Nothing is being done by them. I sent a letter to LVNV funding, that they do not have right to charge or report this false information on my credit report. 

Then I received a letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX telling me to send a payment of {$7700.00} on behalf of their " current credidor : LVNV Funding, LLC. 

I am replying to them disputing the notice they sent me. 

Please help me fix this. It is severely hurting my credit score.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

I was informed about a account with National Credit System over 2 months ago. I informed XXXX XXXX XXXX this was due to fraud and this was over 30 days ago.As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act. XXXX has failed to uphold the law I have attached the police record and my move in sheet from my apartment
Consumer complaint received 2020-06-01
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. (CA)

I filed two disputes with Experian. 
1. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX XXXX. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX The answers were the same for both : Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/2020. 

I explained that this company is not mine in my first dispute. Only reason I found out about this company was because I found it on my credit report. Later I received a letter from the company my account was actually sold to. They never reported on my credit account. XXXX XXXX verified this information for me. So, I filed another dispute with Experian letting them know that this company should not be on credit report. They replied with the same result. 

Nothing is being done by them. I sent a letter to XXXX XXXX, that they do not have right to charge or report this false information on my credit report. 

Then I received a letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX telling me to send a payment of {$7700.00} on behalf of their " current credidor : XXXX XXXX, XXXX. 

I am replying to them disputing the notice they sent me. 

Please help me fix this. It is severely hurting my credit score.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NAVY FEDERAL CREDIT UNION (SC)

I have XXXX identity theft restoration assistance.The website states that you should call the XXXX if you suspect your a victim of identity theft and they would help you restore your identity.But they told me that they would not set the product up and after arguing about 20 minutes to a 30 minutes just to get the manager to allow them to let me purchase the product.
Consumer complaint received 2024-10-17
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)

Request for Removal of Fraudulent Accounts and Address Update under FCRA Section 605 I am writing to formally request the removal of fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which provides for the blocking and permanent removal of information resulting from identity theft. Additionally, I am requesting that my current address be updated in your records.

I have recently become aware that the following accounts were opened fraudulently in my name due to identity theft. Please investigate these accounts and remove them from my credit file : Under Section 605B of the FCRA, credit reporting agencies must block this information within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information ; 3. A statement from the consumer indicating the information does not pertain to them.

To assist in your investigation, I am enclosing the following documents : 1. Copy of my Identity Theft Report filed with FTC 2. Copy of a government-issued photo ID Additionally, please update your records to reflect my correct address : New Address : XXXX XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (OH)

Around the week XX/XX/XXXX I contacted XXXX XXXX as well as Comenity Bank in regards to cancelling a trip I have scehduled for XX/XX/XXXX to XXXX XXXX. I jumped right on the matter as soon as the Pandemic started being that we weren't sure how the events would turn out and didn't want to wait until the last minute as we understood it would be a process trying to cancel the airlines, shuttles and resorts. I have gone back and forth between XXXX rewards and the Bank filing disputes with XXXX  trying to get this matter resolved. I have been sent on a wild goose chase. I receive correspondence via XXXX XXXX that they were unable to submit a refund for my flights as they do not actually have the funds until we board the flights and XXXX actually has the funds. Every time I speak with XXXX they send me to someone else and act as if they don't have the authority to process the refunds for the trip. Our government has advised us against international travel as its still not safe and we could possibly be stuck out of the country. The airline changed our flights without permission due to the rules for flying into XXXX they aren't allowing direct flights there due to Covid-19. I  would like to have this matter resolved without losing over XXXX in the process because of an unexpected pandemic that none of us knew about and these companies are acting as if they don't know what going on and its very bad business and I even purchased trip insurance which was the only thing they would cancel and refund but not the trip in its entirety for refund.
Consumer complaint received 2020-05-31
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is trying to collect on behalf of XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$130.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Earlier this year, XXXX XXXX, my auto insurance at the time, took a payment of {$370.00} from my CapitalOne account that I did not authorize. I disputed this charge and used an alternative method to make this payment when I was able to. On XX/XX/XXXX CapitalOne reversed the credit to my account, and ended the dispute in favor of XXXX XXXX. Their reasoning was that I wasnt able to provide them with a statement proving I made the payment to XXXX XXXX with another method. I told them its none of their business, and that the only thing that concerned them was that I didnt authorize the charge. I spoke to the CapitalOne team multiple times always to no avail. I stated i would escalate to the Consumer Finance Protection Bureau if the dispute wasnt corrected in my favor. This month, I received a debt collection notice.
Consumer complaint received 2020-05-30
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. (CA)

The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2019-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

PHH KEEPS REPORTING ME 30 DAYS LATE WHEN THEY ARE HOLDING ONE OF PAYMENTS IN SUSPENSE AND THEY ARE TELLING ME THAT I NEED TO MAKE A PAYMENT AND TO BRING MY LOAN CURRENT IN ORDER FOR THEM TO APPLY MY PAYMENT THAT THEY ARE HOLDING IN SUSPENSE. THEY DON'T SEEM TO UNDERSTAND THAT MY LOAN WOULD BE CURRENT IF THEY APPLIED THAT PAYMENT CORRECTLY.
Consumer complaint received 2021-11-19
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. (MO)

I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.
Consumer complaint received 2020-05-30
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. (FL)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : XXXX XXXX Balance {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$100.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$130.00} Original Creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$280.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$220.00} Original Creditor : XXXX XXXX XXXX Receivables Balance {$1300.00} Original Creditor : XXXX XXXX XXXX XXXX # XXXX Balance {$200.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the HIPAA, Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

House was sold in XXXX of XXXX. Date of last payment was XXXX of XXXX. 

Credit reports first showed last payment of XX/XX/XXXX. 

After dispute, date was changed to XX/XX/XXXX - this date is still wrong!
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : 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 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an account with Bank of America for twelve years I had paid over {$1500.00} Every year for overdraft fees. There was one year they had really taken advantage of my weekly paychecks and I paid over {$3600.00} because my purchases would be manipulated. Every purchased I made I would check on my account if they went through before making another one. I would go back to check again and the same purchase that had already been processed was rearranged so I would get hit with overdraft fees. Plus when I worked for XXXX and XXXX I would ask exactly when the checks would be in my account they told me days prior to when Bank of America claimed I did. BOA got my deposits they just wouldnt let it be available to me until days after receiving it. I have had check payments missing and no one has any answers for me.
Consumer complaint received 2020-06-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$6000.00}, {$960.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account.