davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (NC)

I contacted equifax on XX/XX/XXXX at XXXX XXXX  about several inquiries that was on my credit report that I did not authorized I have contact the companies and try to get them to remove them but they said equifax wouldnt allow them to dispute it, I would have to call equifax myself and dispute it. I called equifax to try to dispute and they told me thats not a processed allowed in their systems. That they would have to call off on their own in 2 to 3 years. 

XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX ( XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX, Used XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX By mail only XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX Business Type : All Banks XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Consumer complaint received 2024-08-10
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: Experian Information Solutions Inc. (FL)

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.

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.

15 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.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NY)

I am submitting new known contact information about the creditor. 
I was poor at the time of service. I was too ill at the time of service to consent to care not covered by my insurance. I was sick and not able to apply for XXXX XXXX. XXXX XXXX of the XXXX surprised me with charges. Under the No Surprises Act 2022 such bill is now illegal.
Consumer complaint received 2023-06-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " XXXX '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. XXXX FAILED TO REPORT TO EXPERIAN THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " EXPERIAN '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH XXXX AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY EXPERIAN CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 EXPERIANXXXX  IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! XXXX HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY XXXX. 3. XXXX PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST XXXX IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY EXPERIAN CREDIT REPORT.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed on XX/XX/XXXXXXXX  a late payment that is currently listed on my Equifax credit report, and after their investigation They did not remove this inaccuracy from my credit report. I believe this disputed information with the agency was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being more than 60 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1666 you are required to maintain reasonable procedures to ensure the accuracy of the information in my credit report and I have the right to dispute the accuracy of any information in my credit report that I believe to be incorrect.. However, the continued listing of this late payment despite previous investigation suggests that your procedures have not been adequate in this case.
Consumer complaint received 2023-06-22
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: Nelnet, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I sent my dispute letter 30 days ago. They have it removed or responded to my letter since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TX)

I am writing to submit my personal statement as part of my Identity Theft Report regarding the severe negative impact of identity theft on my financial accounts. While I can not disclose specific account numbers, my XXXX broker  account, XXXX XXXX  XXXX, and various other institutions have been compromised, leading to significant financial and emotional distress. 

Discovering that my identity has been stolen has been an incredibly disheartening experience. It has shaken my trust in the security measures employed by financial institutions and has left me feeling vulnerable and violated. The repercussions of this crime have been far-reaching, affecting both my personal and financial well-being. 

The unauthorized access to my XXXX broker account has had immediate and substantial consequences. The perpetrator ( s ) have conducted fraudulent transactions, resulting in substantial financial losses. This has not only depleted my hard-earned savings but has also disrupted my financial plans, causing undue stress and XXXX 

Furthermore, my XXXX XXXX XXXXXXXX account, which I have entrusted with my personal funds and financial stability, has also fallen victim to this identity theft incident. Unauthorized transactions have occurred, compromising the integrity of my account and causing considerable financial turmoil. The emotional toll of constantly monitoring my account for suspicious activity and the fear of further unauthorized access have taken a significant toll on my overall well-being.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I first heard that something went into collections, the first thing I did was dispute it with Experian, 1st one was denied, and I tried 2 more times to only get same response, after I spent explaining my situation, sent documents, only to have them gave me the same outcome, its like their not acknowledging the documentation, or anything. I spoke to XXXX so many times, to where they do t want to resolve the issue, like i said before the policy was started in early XXXX. There were XXXX claims filed, due to mechanical issues that I thought were covered. I later learned that mechanical breakdowns were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was front end damage and also damage underneath the XXXX XXXX XXXX. The extensive damage was documented and an assessment at a local dealership was performed. The XXXX stated that there were aftermarket parts on the vehicle, which XXXX would not cover. There were never any aftermarket parts added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a XXXX  complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over XXXX months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. My Car WASNT DRIVABLE, hence why I cancel the insurance, and was going to cancelled my policy in XXXX for no reasoning, so if I would pay the money, if would of been no point, and that I was up to date with my XXXX payments.
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I am submitting this complaint against Bank of America for certain unauthorized transactions or withdrawals from my accounts at different ATM locations in XXXX, Illinois. The transactions appear to have been structured in a manner which would allow the person taking the money to take the most amount before the fraud was discovered. Within less than XXXX business days after I learned of these unauthorized transactions, my father and I notified Bank of America and requested that the charges be reversed. Bank of America responded by sending two form letters with different claim numbers and dated XX/XX/2016, from the Dispute Resolution Services Department which indicate that it conducted a review and determined that no error has occurred as it believes that the transactions were authorized. In fact, the transactions were unauthorized and I am a victim of fraud and criminal activity. The unsigned form letters do not indicate what, if any, investigation was conducted by Bank of America into the unauthorized transactions, who conducted the investigation, and whether the video of the transactions, if any, was reviewed to determine the identity of the person ( s ) who actually made the withdraws which appear to have been structured in a manner, via use of separate ATMs on separate days, to maximize the conversion and theft of funds being held in my account. The form letters also do not address any of the information ( or documents ) which were provided to Bank of America, including the fact that I could not have possibly made or authorized the fraudulent transactions at issue as the transactions appear to have occurred after I returned to my parent 's home, some XXXX plus miles north of XXXX, Illinois. Although Bank of America represented that it has a {$0.00} liability fraud policy for its customers, it indicated that it was going to charge me for the fraudulent transactions and did so. After I received the initial form letters, I again requested, in writing, that respectfully request that Bank of America review and reverse the unauthorized transactions, including, reviewing the ATM videos of these unauthorized and fraudulent transactions, as well as the documents and information reviewed which was provided by my parents and I. That written request was sent on XX/XX/2016, and delivered to Bank of America on XX/XX/2016. Bank of America never responded to that request, other than recently posting an electronic notice on my accounts indicating that the charges would not be reversed. This is just a summary of what has occurred. I can provide any additional information and documents which may be necessary to assist with what actually transpired with hopes of amicably resolving the matter. In that regard, thank you in advance for your immediate attention and consideration in rectifying this situation. 
XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (NJ)

I was given a fraudulent or counterfeit check and it got deposited into Wells Fargo and you people absolutely let Wells Fargo destroy me Not only was that a trustee account for my dad everything that came into that account because my father recently passed my money is all over the place I can not get another account and I don't know how I am going to get the government to do something about you I've written all the Senators I've contacted everyone in the government if I didn't know any better I would think you guys are getting paid to ruin people 's life but you won't get back with mine because if it takes every dollar I ever earned I will see you in court and Wells Fargo will not be any more persecuted than you will you XXXX plain and simple you XXXX you need to revamp re-employ and readjust the way you handle people that are frauded because you're not out of a XXXX thing but you ruined my life and through the courts I will get you
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (NC)

XXXX and equifax are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX XXXX also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX and hopefully XXXX has put one out like i requested since i reported both companies the nc doj
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

XXXX I got this automatic message from the number above. She said they were from the Consumer Protection Association. They left a number to call and a reference #. 
I XXXX them and called them at their billing number. There was no answer. 
I checked my credit report. Harris and Harris Ltd. Checked my credit yesterday, just the day when the weird phone calls started happening. Why are they calling me when they do n't even say what I owe? I do n't have any outstanding payments that I know of. 
Please check into Harris and Harris ltd.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (VA)

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (CA)

I returned the product ( cell phone ) on XX/XX/2016, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XX/XX/XXXX to XXXX XXXX XXXX to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from XXXX XXXX XXXX ( XXXX ). After I returned the product back and contacted with XXXX, XXXX said that they already sent the money to them and closed the case. Further, because my case is expired, XXXX ca n't reopen my case again ; thus, I did n't get the money back until now. 
I also contacted with the seller 's bank " Paypal, '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. The merchant 's company did n't register and fraud. I am thankful Paypal is holding this transition, but XXXX reply I lost the case and they ca n't do anything for this case. I indeed returned the item and I hope it is not too late to get my money back before Paypal transfer my fund to the seller. Could you help me to solve the problem? 
Thank you so much.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!