davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Account : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-12
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. (NV)

I have been an ID theft victim, today I tried to get my free credit reports and tried calling to no success. My XXXX report I downloaded is not in my phone as a PDF, its missing. I am not getting my emails of the information. I am compromised and the old information to get me logged into my credit reports are wrong, therefore I can not correct or dispute anything. My correct phone and email is XXXX, and email is XXXX : I can never get anyone on the phone and when i do I get disconnected! How do you fix this issue? I am being hacked in every way. My phone service, emails, phone, work, personal, social media everywhere!
Consumer complaint received 2024-07-08
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (WA)

I sent email on XX/XX/year> with bank statements and letters from the bank that the amount requested to be paid to XXXX XXXX and I wrote letter dated XX/XX/year> that stated XXXX XXXX was charging me every week for the rental agreement and was paid on a weekly basis. XXXX tried to take out the amount in question for XXXX and I filed a dispute with my bank and was awarded permanent credit of the charges as bank told the merchant, XXXX XXXX that I do not owe these charges that they already had been paid to them.
Consumer complaint received 2024-09-01
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. (CA)

Delete this account XXXX XXXX XXXX # because the Date of Last Active is inconsistent. 
XXXX XX/XX/2023, XXXX XX/XX/2023, EQUIFAX XX/XX/2023. 

Please send me a new report reflecting these changes. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WY)

On XXXX XXXX, 2022, my replacement furnace was installed, which was the same date used for gas usage closure by XXXX XXXX XXXX claiming I had used gas during the time the old furnace was inoperative thus could NOT use gas. XXXX confirmed installation date and that NO gas leaks were found. I have argued with XXXX XXXX since then and refused to pay for the gas NOT used. XXXX has refused to correct my bill, and has charged " Late Fee '' every month since despite my dispute. I sent return receipt mailing to their XXXX XXXX, IL office to appear at small claims here in XXXX, WY. and they did not show. I have always paid the undisputed portion of the bill as per their statements. I now have a letter from The CBE Group demanding payment that I do NOT owe for {$20000.00}. I have objective evidence that was submitted to the court that on XXXX occasions the XXXX XXXX office returned my payment so the payment would go late, as late charges are an active revenue source for XXXX XXXX XXXX, and for which there are other complaints known. I am demanding that CBE Group cease and desist, and that XXXX XXXX pay the {$270.00} change over fee to switch to propane and court ordered treble damages which will include the disputed charge, change over fee, and a written letter that NO adverse entry of credit reporting will be made. I am further asking that XXXX post a bond of not less than {$2000.00} for their failure to provide customer service and for their use of XXXX XXXX, IL to hide their fraud business practices. XXXX is known to be dishonest, and solicits donations from customers on their monthly statements allegedly for charity but all those funds go to pay XXXX, and not XXXX dime went to charity.
Consumer complaint received 2023-10-27
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. (FL)

In accordance with the credit reporting act this creditor has violated my rights. Under 15Usc1681 sec 602 states I have the rights to privacy, 15usc1681 sec 604a sec 2 a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 30 days late XXXX date : unknown used card once 30 days late XXXX XXXX XXXX : XX/XX/XXXX 30 days late
Consumer complaint received 2024-07-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of america is the only negative report on my credit. I explained this happened during a nasty court battle for child custody. They are killing my credit and refuse to budge. The entry is now over 7 years old.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MS)

To Whom It May Concern, I'm writing to dispute personal information appearing on my credit report maintained by you bureau. Upon viewing my credit report, I noticed discrepancies in the personal Information section, which I believe inaccurate.

I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to The Fair Credit Reporting Act ( FCRA ), I have the right to report inaccurate or incomplete information on my credit report. I'm requesting that you promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government issued identification card and any other supporting documents.

By the revisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditors who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this investigation in 30 days of receipt of this letter. According to the act, Act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

Sincerely,
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Thaxton Investment Corporation (TX)

Covington Credit World finance corporation Both items were unauthorized and by law they need my permission to put thing on my credit report!! According to FCRA section 605b, it is illegal to report information on my credit report without my permission thank you!!
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (GA)

According to 15usc 1692b Rozlin Financial Group Inc, a third party debt collection agency, also known as RFGI has violated my consumer rights to privacy. The company is not licensed in my home state of Georgia to collect the alleged debt from me. They are only licensed in the state of Illinois therefore are not legally allowed to collect any debt or report any alleged debt to my consumer reports. I did not give them permission to access my personal information and in doing so they have violated my rights of privacy more than once. I demand that this company cease and desist all contact with me including illegally reporting to my consumer report. I have the right to sue this company under U.C.C. 1-308.4 in which will be subject to a {$5000.00} fine and/or litigation for not resourcing my rights under Common Law. I have not seen or been presented with admissible evidence which demonstrates that XXXX XXXX owes an alleged debt in the state in which the company itself resides and it is not required to adhere to Title 15 U.S. Code 1692b ( 2 ) and Title 18 U.S. Code 241, and I believe that none exists.
Consumer complaint received 2023-10-27
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX, I applied for the Chase Freedom Unlimited credit card after extensive research into the best starter credit cards and their benefits. I was immediately intrigued by Chases offer, which is still running today. This offer states that if {$500.00} is spent on the card and paid off within 90 days of opening it, the customer will receive XXXX points, which is redeemable as a {$200.00} credit. My decision to apply for this card was swayed by this seemingly awesome offer. However, today is XX/XX/year>, and I have spent {$500.00} and paid it off without receiving my credit. I called Chase after noticing that my XXXX points had not loaded onto the app. The lady told me that, unbeknownst to me, I did not receive the offer that was advertised to me and was given a different offer instead. She did not have a reason for why I was not given the offer advertised and said that the marketing team decides what applicants receive which offer. I am confused and feel like I have been tricked. 

( The offer I was given instead gives me an extra 1.5 percent back on all of my purchases, but I would have to spend over XXXX within the next twelve months to get a total of {$200.00} in redeemable points. I am unlikely to be able to spend so much money on my card within a year since I live at home and do not have many expenses. I feel that Chase has taken advantage of me as under this offer, I will be unable to have the {$200.00} credit I had originally hoped for, defeating the entire purpose of why I applied for this specific credit card. )
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC (FL)

Subject : Formal Complaint against DNF Associates I am writing to file a formal complaint againstDNF Associates for violating my consumer rights as outlined by the Consumer Financial Protection Act. Without the necessary notice, DNF Associatesa collection on my consumer file and failed to inform me of my right to dispute this debt. 
I revoke all communication channels with DNF Associates and insist on written correspondence only. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I request thatDNF Associates provide a purchase order agreement with the original creditor. The accuracy of the account data is concerning, as the agreement may include clauses that suggest potential inaccuracies. If DNF Associates can not provide this documentation, I demand the immediate removal of the account from my credit report.

The consumer report 's date indicating an account opening withDNF Associates is false and inaccurate. I have not received any services or entered into any agreements with them. This misinformation harmed my credit history badly and violates my consumer rights.

Additionally, it appearsDNF Associates is not licensed or bonded to collect debt in my jurisdiction, raising legal concerns about their actions and highlighting the need for immediate resolution.

DNF Associatesviolated 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I demand the prompt removal of this collection from my credit report and trust that the Consumer Financial Protection Bureau will investigate and address these violations. 

Please keep me updated on the progress of this complaint. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

I am writing to inquire about my eligibility for a refund related to non-sufficient funds ( NSF ) fees, and other fees that were overcharged to customers in the past. I understand that Wells Fargo had a practice of charging multiple NSF fees for the same transaction, a practice which has since been discontinued. 

Could you please check my account history to determine if I was affected by this practice and if I qualify for a refund? I would appreciate it if you could provide any details about the next steps I should take or any documentation I might need to submit to support my inquiry.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

To Apply XXXX Credit to Account XXXX On XX/XX/2023, XXXX fraudulent charges ( XXXX for {$240.00} to XXXX, and XXXX for {$190.00} to Sanesolution ) totaling {$440.00} were made on our XXXX credit card. On XX/XX/XXXX The company ( XXXX ) resolved the dispute in our favor and credited our XXXX account. ( However, the XXXX account was deactivated due to the XXXX case ) so our new account XXXX still shows that fraud charge. We have been trying since XX/XX/XXXX to have the fraud charges removed from our XXXX account and was told that we would see the correction in the XX/XX/2023 statement. However the charge was still there. We were told they would request an investigation to correct the problem, but someone forget to include all the previous history, so the charge is still there. We have contacted them several since, with no result. Finally we were told on XX/XX/XXXX that the credit would be applied in XXXX to XXXX business days. However, not only did they not credit the account, they also added interest on the fraud charge. Please, help us resolve this matter as soon as possible. Thank You! Thank You!! Thank you!!!
Consumer complaint received 2024-07-10
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l
Consumer complaint received 2024-07-10
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. (AZ)

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. 
These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my credit file : XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-10
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (AL)

I requested all the original documents or any type of information they have with my physical signature on it they couldnt provide the information because I have no accounts with this company I have never signed anything with them or did any type of business with them