davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2024-10-13
Product: Credit 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: PNC Bank N.A. (IL)

On XX/XX/year>, I used my bank debit/credit card ( PNC Bank ) to purchased tickets to travel from XXXX XXXX XXXX XXXX XXXX. I purchase the ticket from XXXX XXXX XXXX counter. After charging my card the ticket agent could not give me tickets because the charges was in pending. My son credit card was used to purchase the tickets. I was told by XXXX XXXX agent that a refund will be issue back to my card. After returning back home on XX/XX/year>, the airlines claim that they funded the {$860.00} back on my card on XX/XX/year>. XXXX XXXX  still claim that the money was refunded. 
I called PNC Bank on XX/XX/year> inquiring about my {$860.00} that the airline refunded and they told me that it was still in pending on XX/XX/year>. I check my account and there was no pending and no refund amount showing in the account as of XX/XX/year>. PNC had totally taken any evident of the {$860.00} take by XXXX. PNC reconstructed my account format. I call PNC bank XXXX days ago and was told that they have no record of the transaction. When I told them that I printed out a copy of the transaction, they asked me to take to a banking center but I refused and since then I been getting texts, emails and calls from different representatives from their bank. They refused to acknowledge any pending from XXXX XXXX. XXXX XXXX also denied that there was tickets purchased from the on XX/XX/year> after PNC bank had taken the total transaction out of my account.
Consumer complaint received 2023-07-13
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. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-13
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. (NY)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (CA)

I paid my debt in full XX/XX/2022, I have contacted this company ( Caine and Weiner ) several times and no one picked up, or they told me to leave a voice message, I left a voice message and no phone call back, I also emailed them and no response on the email.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX Rewards Credit Card I was never late on the PAID off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, delete this alleged late payment from my credit report immediately. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I DO NOT RECOGNIZED THESE HARD INQUIRIES OR ACCOUNT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (VA)

I responded to an internet ad for a Chase Slate card that was promoting 0 % interest for 15 months to people who wanted to make balance transfers of up to {$15000.00}. I wanted to consolidate my balances from XXXX other cards and, as requested on the application, submitted balance transfer amounts totaling {$12000.00}. The card was approved. About a week later, on XXXX XXXX, I received a letter from Chase saying that they had only approved {$900.00} and were going to transfer {$880.00} from XXXX of the cards. It said that I had until XXXX XXXX to cancel the transfer. I called them to cancel the transaction and they said they wanted to check my credit again to see if they could approve the whole amount. It came back as a denial because I had too many credit cards with balances. They said I would get a credit denial in the mail. I told them that I wanted to speak to a supervisor. The supervisor said they could n't cancel the card because the transfer was already being processed. After I complained a lot, citing the letter I had from them that said I had 4 more days to cancel, the supervisor finally said my card will be cancelled. She could not tell me why they promoted a card offering balance transfers and then used those balances against me, saying that I had too many credit cards. Now I have XXXX bad marks on my credit report because I was denied credit when they insisted on running it through again and because I cancelled their card. I was trying to be responsible by consolidating cards and paying off my debt. People should know that this is a scam. Something should be done about Chase promoting this and then ruining people 's credit rating by refusing to cancel the card and insisting on running it through again creating a credit denial. I 'm sure many people are trying to improve their credit rating by being responsible and consolidating debt and that is who this offer targets. I certainly was not trying for another credit card. I wanted to pay down my debt and this offer was offering me that opportunity at 0 % interest. In the end, they would have gained a good customer who was being responsible. They should n't have approved the card if they were n't going to honor the balance transfer amount.
Consumer complaint received 2023-07-13
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)

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-13
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2023-07-13
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2017-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Navient deliberately ignored my request to remove co-signer knowing that I am a XXXX XXXX XXXX  XXXX Veteran. They knew that my private loan would go into default therefore there they did not exercise due diligence to investigate this. They requested documents that they did not take into consideration nor did they take my payment history into consideration. My loan is my sole responsibility and based on the fact that I have 100 % payment history for four years, my co-signer should be released. I have been paying a {$20000.00} for four years and the current total is {$32000.00} and when I started my repayment plan my total was {$36000.00} so within four years my loan has only a {$4000.00} dent with a monthly payment of {$300.00}. Navient has ripped off me off and is continuing to harm me financially throughout the repayment process.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (IN)

Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.
Consumer complaint received 2023-07-13
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 don't have any idea about these accounts. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-13
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-13
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. (PA)

Subject : Dispute of Charge-Off / Closed Account in my Credit Report Dear Sir/Madam, I hope this letter finds you in good health. I am writing to dispute certain inaccurate information that appears on my credit report. The items in question are related to alleged charge-off/ closed accounts, which I believe are incorrect and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off/ closed accounts : Please investigate these matters and correct the disputed items as soon as possible. If you need additional information to resolve this dispute, kindly contact me at your earliest convenience.

I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entities providing this information to you have an obligation to correct, VALIDATE, VERIFY and update relevant information to ensure its accuracy. If they have failed to do so, they may be in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they cant be validated and verified.

In addition, according to Section 623 ( b ) of the FCRA, upon receipt of my dispute, you must notify the information provider of my dispute. If you find that any of these accounts are indeed inaccurate, incomplete, or can not be verified or validated, I kindly request their immediate removal as per Section 605 of the FCRA, which stipulates that any information that is found to be inaccurate or can no longer be verified or validated must be removed from a consumer 's credit file. If you cant provide me with the original contract with my wet ink signature, and the name and title of the person you spoke to about the above listed accounts showing validation and verification please delete the above listed account Lastly, I want to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ) amendment to the FCRA, which provides me the right to obtain one free copy of my credit report in cases where a change has been made as a result of the dispute.

I have attached a copy of my credit report with the disputed items highlighted for your convenience. Please provide a detailed response to my dispute in writing within 30 days of receipt of this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Disputed Items attach
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute an inquiry on my credit report that I do not recognize, as reported by XXXX XXXX. As a responsible consumer, I regularly review my credit reports to ensure their accuracy and to safeguard my financial reputation. Upon reviewing my recent credit report, I discovered an inquiry from XXXX XXXX dated [ Date of Inquiry ] that I have no knowledge of or any association with. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I believe this inquiry has been reported in error and may potentially be the result of identity theft or some other form of mistaken reporting.