davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (MS)

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : 1. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Experian account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

4. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : XXXX XXXX XXXX XXXX  on XX/XX/XXXX 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Consumer complaint received 2024-08-26
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$300.00} XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This letter is in response to your recent claim that Bank of America has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by Bank of America. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at Bank of America regarding this alleged account. 
I am formally requesting a copy of any documents provided by Bank of America, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ), non-compliance may result in your liability for damages
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After taking a look at my credit report, I am very concerned. I have been a victim of identity theft. There are numerous inquiries on my credit report that are not associated with me nor did I authorize them. I am at a point in my life where I am looking to do more through acquiring a home and vehicle to help provide for those around me. Please remove these fraudulent inquiries from my credit report immediately. The fraudulent inquiries reporting are below : XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc. (VA)

The company seems to have gone against The Military Lending Act by making me create an allotment for their payments and charge me over 36 % interest on a loan I had taken out with them. I have had multiple loans with them and have had them do this.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC (MI)

I got a destiny credit card, within about 11 days they closed the account for suspesious activity, I called about it and they said they have the right to close any account for any reason, well within that 11 days that they closed my account they charged my XXXX dollars to activate the card, and then after closing the account another XXXXdollars for yearly fee, and then charged me a XXXX dollar account fee, and now they have added another XXXX dollar charge for for a return check fee that they pulled out 2 payments 1 for XXXX and some change to payoff the account and then another XXXX dollar that was over payment and they told me if I wanted the XXXX dollar back I had to dispute it with my bank, so I did and now they are trying to charge me for their mistake this is fraud don't give you a service and charge over XXXX dollars in fees that is a lot of money if they do that to everyone, this needs to be addressed and stopped, they should be prosecuted to the extent of the law, if you have any questions feel free to contact me at XXXX thank you, this is a total scam.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These accounts on report by XXXX are the same account listed twice on my report. XXXX account cant be derogatory when the other says paid on time. This is the same dept listed more than once on my credit report with different names. We can not say these acct are 100 % accurate so it is deemed INACCURATE. Please delete this account. 
XXXX Account XXXX XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Name : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.
Consumer complaint received 2024-08-18
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. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 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 2024-09-23
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. (NC)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} XXXX XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX {$4300.00} XXXX Off : XXXX XXXX {$0.00}
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (CA)

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 2024-09-23
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)

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. That has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-09-23
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. (WI)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRSTBANK PUERTO RICO (PR)

The closing proceeds after selling my property where issued on XX/XX/2024 with Firstbank Mortgage in XXXX XXXX, XXXX XXXX. 
The mortgage loan department decided that the wanted to retain some tax deeds of my property until I give proof that everything of the property was paid in full, However, that case did not applied because the property was under HUD and it was considered exonerated, also because it was my first property. The bank made up a lot of excuses to retain {$5800.00} pertaining to the sale of the property. They only decided to give me {$800.00} back and remained with the rest. XXXX XXXX XXXX from the Mortgage Department ignored all my calls and emails and never responded to my inquiries.
Consumer complaint received 2024-09-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Auto Credit Corporation (GA)

DEBT VALIDATION LETTER XX/XX/year> Us auto XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX Dear Us auto credit, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC (MA)

My Milestone credit card has started slapping {$250.00} interest every single time. They also increased the balance without my knowledge. I am refusing to pay them because I think this is completely illegal and unfair.
Consumer complaint received 2024-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On Or around XX/XX/year> a scam took place on XXXX XXXX that took {$1500.00} from my account ONLY {$1000.00} was returned to to my Savings Account. {$500.00} was was returned to my account from XXXX and {$500.00} was returned from Capital One account. A credit card with {$500.00} was delinquent on that card. I paid XXXX on said credir card. The bank never refunded the balnce on the scam for which it was insured but continued to add interest to the credit card which make my credit score go down. The card ending in XXXX in arrears but can not be uesed.
Consumer complaint received 2024-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I attended XXXX XXXX XXXX from XXXX to XXXX. Due to the amount I was paying in interest only payments to be able to avoid negative impact to my credit and my co signers credit, I was forced to filed bankruptcy in XXXX. When I filed, Navient incorrectly told me my loans were ineligible for discharge. 
Based on the recent court ruling made public on XX/XX/XXXX against Navient in the case against the CFPB it outlines that Navient should not have told me my private loans were not dischargeable. As a result, I should at minimum, have been refunded payments made on these private loans since XXXX. Navient needs to do the right thing and refund the money I paid since XXXX when these fraudulent loans went into repayment status. It is not enough that the loans were XXXX. I am suffering from irreparable damage from years of paying over {$500.00} per month in XXXX only, jut to avoid negative reporting to my co signers credit. 

Additionally, Navient mislead me about the terms and conditions of releasing my co signer on my private loans while they were in repayment. 

Navient attempted to cover up years of deceitful practices by discharging the loans under their school misconduct program but not refunding the money they erroneously took from me for XXXX years.
Consumer complaint received 2024-09-23
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. (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 reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX {$4800.00}
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Advanced Resolution Services Inc. (WI)

On XXXX XXXX, 2024, Advanced Resolution Services , INC received a letter from me requesting my consumer report. I sent a copy of my license, social security card, and XXXX XXXX XXXX XXXX bank statement. On XXXX XXXX, 2024, I called Advanced Resolution Services , INC and spoke to XXXX and XXXX who told me I needed to put I don't have a utility bill in my letter in order to receive my consumer report. I informed I did not have a utility bill. My utilities are included. XXXX and XXXX told me I had to say that in my letter. I told them it doesn't say that on their website or on the document that was sent by them. 
I emailed the company and just got a message reiterating a utility bill needs to be sent and need to be mentioned.