davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX  XXXX XXXX. Those 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 myself or XXXX XXXX  customer service representative.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

In 2000 I attended a XXXX in Pa. The School is no longer and I the Sallie Mae loan was the lender the school was using. The loan has gone into default I can afford to pay the loan or the interest Sallie Mae is asking. What can I do to settle this issue?
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Identity theft- Did you receive my original description? 
-Must have hacked my email account. 
-My cell Phone account thru XXXX XXXX, changed to a phone fraudulently purchased on my account- I called and corrected/they know fraudulent activity. 
- {$5000.00} worth of furniture ordered on XXXX credit card to a address in Florida. Called XXXX  and reported as fraudulent. Closed account. XXXX still sending me texts about furniture being delivered. 
XXXXBank of America Visa account showed {$20000.00} transfer to another bank. I went to Bank of America and reported- they called their fraud line with me. An {$800.00} XXXX  transfer fee had also been paid. Now still {$20000.00} debt showing online and Bank of America wants my claim in writing with additional info. They did not contact me. I had an email when I went back and checked- stating my transfer went thru. 
-I do not check my email every day. But I always have my cell with me and did not receive a text from Bank of America! I did not receive a call identified as Bank of America! 
-I have changed all my passwords. Closed XXXX account. Locked my new Visa Charge card from Bank of America. I plan to make a police report tomorrow. My Son in law Scrubbed my computer. 
-I just want this to go away. Can You help me?
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to Investigate/Reinvestigate these accounts : Local Government XXXX # XXXX Local Government XXXX # XXXX Local Government XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last acti

vity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 5 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NH)

i believe this all started in XXXX 2017 when i purchased a pair of jeans from " XXXX '' the company that handles the money end to which you send your bill is " XXXX ''. Apparently my payment was two days late " unbeknownst to me '' so i got a late fee of {$25.00} i believe it was. I called after i got my second late fee figuring it was settled and that 's where it all started. I talked to a agent who i told my story that i was charged a late fee and this is when he told me my check came in two days late. He said and i quote '' as a one time courtesy i will remove the late fee '' i think i 'm all set but it got worse each time. They continued to bill me late fee every month which i responded to either via the " XXXX '' web site or phone calls from them each time a different person. On three of the calls to me i spoke to a women and i said i was tired of this and wanted to speak to manager well no one ever came to the phone so eventually i hung up, another call a man went thru it all with me said he saw where the mistake was and assured me he fixed it and i was all set, the third not but a week ago said she likes solving issues and wanted my issue be resolved i believed her. She said what happened was that they did remove the late fee but another late fee was already being processed. The man who said he fixed it said the one time courtesy never went thru so who is right? The last women sounded believable so i went with her but yet today i am still receiving bills have been called too many times to count, have been misled and lied to it also has gone on my cerdit report
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (CA)

XXXX XXXX, XXXX United Collections Bureau , Inc XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, sent me a letter trying to collect the unknown balance link to my XXXX XXXX credit card which is active open. 
When I called XXXX on the XXXX XXXX card XXXX around XXXX PM my cell transferred me to the United Collections Bureau above and confirmed the balance of XXXX with asking minimum due XXXX. 
I ask the one with the collections info about the transactions details he list them quick, but when I confirm that whenever I use this card I tried to pay within 30 days to escape the interest, and always paid off, I have proofs. He said my account is closed last year XXXX XXXX, while I see that my account id still open active, only not with the chip as It should be. So I said the recorded conversations via my cell phone is always under recorded by the government becasue I am still waiting for the investigation with help of the XXXX for the Fraud ID theft trying to make paper from the XXXX XXXX XXXX to ask me for XXXX XXXX, I did report all to the so they can help track down the guy, from XXXX XXXX. Then the collection guy said that my account is closed since XXXX XXXX? 
My ftc case reference number is XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I purchased a car through USAFS in XXXX. I was sold a warranty contract that was never paid for by them. They went out of business and transferred to a debit collector and they started my entire loan completely over. Tried to repossess my car. Never took any money off for the XXXX warranty I was charged for. Did not compensate or take money off for warranty breach.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to Investigate/Reinvestigate these accounts : XXXX XXXX XXXX XXXX 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 5 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA and FDCPA Consumer Protection Laws prevent balances on authorized users accounts to be reported to the authorized users credit profiles if they did not make the charges. I dont even have the cards activated, they are in a safe and I never use them because these accounts are for credit building. 

The balances reported on my credit file for the following accounts should be updated to XXXX  balance immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for following the law
Consumer complaint received 2023-04-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I did a dispute with Equifax on XX/XX/23 on XXXX XXXX that's on my credit report I was told to fax over my paperwork showing that I paid full XXXX XXXX XXXXXXXX. On XX/XX/23 my dispute was complete so I call on XX/XX/23 @ XXXXXXXX XXXX and I spoke with XXXX XXXX and he told me that I owe XXXX XXXX the money because that's what they say in the report. I told him to look at the receipts that I sent in and he would see that I paid in full. I ask for a supervisor and I ask the supervisor who I'm I spoke with and he wouldn't give me his name and he was so rude to me about my dispute telling me that I owe XXXX XXXX and that's my bill and I need to pay them people because I owe them that young man was so rude to me I cry. I'm send a copy of the receipts that I fax to Equfiax showing them I paid in full XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 

I ask that the items be deleted to correct my credit report. Fraududlent accounts : 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 ( original creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I received a voice mail from my work phone and personal phone on XX/X/2017 from a XXXX county currier '' they claimed to have time sensitive documents they needed to deliver. They directed me to call XXXX file number # XXXX. I called that number and I 'd was a company called XXXX XXXX XXXX. They claimed I owed over {$2000.00} dollars fo a HSBC credit card that was dated XXXX/XXXX/XXXX. They stated if I did not pay within 10 days they would sue me and or file a IRS tax hold against me and seize my bank account and personal property and would increase the amount to over {$4000.00} for collection and lawyer fees. 
I did have a credit card that was charged off in XXXX for {$300.00}. 
I called HSBC and they had no records of the account and claimed they do not keep records beyond 7 years. 
This debt amount is incorrect and beyond the statute of limitations for 6 years in my state of Ohio. 
By contacting me at work they have caused extreme duress and perhaps future problems with my employer.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (WV)

On XXXX XXXX 2017 I tried to buy and put money on a prepaid card from XXXX. The process was very misleading and kept switching screens asking for more information for the gift card. After I finished I got an email saying that I had been denied an XXXX XXXX credit card. I checked my XXXX XXXX account on XXXX XXXX and found a Hard inquiry for something I did n't even apply from XXXX/XXXX. 

I just wanted a pre-paid gift card.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

as per 15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. 

This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. 

My identity was taken, and Falsey inserted on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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. (NY)

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 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is my second time writing you to update my personal information.15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Wells Fargo. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX XXXX bank is holding my XXXX {$1300.00} funds. I am also the owner of the account since he is a minor. The company has not released his funds. My son now has no money at all