davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. Please see identity theft report attached. 

I am writing to dispute the following inquiries and asking for their removal from 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  Please have these unapproved inquiries removed from my credit report. Please update me via email with a full report on your findings within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report via email once this issue is resolved.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Barton Benson Jones PLLC (TX)

According to Barton Benson Jones, I owed {$330.00} in delinquent HOA fees, {$270.00} in attorney fees and {$200.00} of miscellaneous cost and expenses. 
On XX/XX/year>, I paid them {$620.00} for the {$330.00} in delinquent HOA fees, {$270.00} Attorney fees and they charged me {$10.00} to pay the bill, which is a bit excessive. 
I did not pay the {$200.00} because Barton Benson Jones was not transparent of what the {$200.00} is for. 
On XX/XX/year>, I received an additional bill for {$840.00} and a letter that Barton Benson Jones has unlawfully put a lien on my property for nonpayment of XXXX fees to Hunters Place Homeowners Association. 
The invoice that was sent to me does not even acknowledge that they received any payment from me at all, which is deceitful. 
Barton Benson Jones did not inform me of their dissatisfaction of the payment or give me the opportunity to either dispute or settle the remainder of the bill, prior, placing a lien on my home for foreclosure. 
I do not agree with the additional bill {$840.00} asking for {$450.00} more in attorney fees, because of the {$210.00} ledger fee, which is incorrect.

The {$840.00} also includes a {$44.00} charge for the cost of Collection and an additional {$130.00} cost for sworn statement of satisfaction. 
These charges are unnecessary, and the bill was not in collections because there was no nonpayment. Instead of contacting me about the rest of the bill It as if the {$620.00} was paid to nothing, I am on XXXX XXXX XXXX and I can not afford to give money away to nothing. 

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Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (KY)

I requested the contract containing my signature, that shows any disclosure being shared with me as to any actions that were to take place at all stages of the agreement and thereafter. I also requested for the information that was not disclosed to me and agreed by me to be removed from my consumer report. I requested that all information containing credit transactions with regard to any particular creditor or debt collector be removed as it is not to be shared accept were allowed within certain circumstances according to US Codes. I requested were disregarded, and all information remains in my report, even though I have disputed this information for the last XXXX years and it has always came back as being verified and allowed. I have shared with them the US Codes pertaining to my complaint and they were also disregarded as if these companies know that nothing will happen to them even if they commit fraud and identity theft to make money by way of a consumer credit transactions using my social security number, which is a credit card according to 15 US Code 1602 ( l ). I stated to them that they were intentionally overlooking these complaints because if they were corrected as required by law, that this would affect their ability to make money from an account that must be removed. This knowingly and willful fraudulent activity should not be allowed. This is why the Fair Credit Reporting Act was created. And it is amazing that because they are a big corporation, they are allowed to get away with fraudulent activities, but if an individual commits fraud, even by accident, they are held accountable and put in jail. This causes the people to lose faith in the banking system and will at some point be the downfall of the banking system if it is not corrected.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

Back on XX/XX/19 Barclays XXXX  Business Credit Card, was transferred two payment of {$2000.00} and {$4000.00} dollars. This wire transfer was from our credit union. This payment was sent in error and a stop payment was placed by us at the  Credit Union involved. 
We paid our credit card balance off online from our checking account and sent to credit card company. Our balance was now {$0.00}. 
On XX/XX/19 Barclays added the {$2000.00} return stop charge back to our account. 
To date, after speaking to several Customer Service Employees, Supervisors and Managers, nothing has been corrected. They added a {$2000.00} amount in error to our credit card bill, with no explanation why and will not remove it. Customer Service Reps will not give us their names or Supervisor/Corporate names or phone numbers. They disconnect us and or transfer us back to Customer Service Dept., just to start entire complaint process again. 
These monies were transferred to them then a stop return was issued. Barclays statement shows stopped funds, but yet they added {$2000.00} to our balance, out of nowhere, with no explanation. They told us to give them time and has been 10 weeks, When we call them, they ask to give them more time to clear this problem up. Nobody has called us back or attempted to radify error.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Kohls/Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Kohls/Capitol One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Kohls/CapitolOne whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Kohls/CapitolOne Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-13
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. (AZ)

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of XXXX. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account # XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (CA)

Kimbal Tirey & St John law on behalf of XXXX XXXX XXXX filed an unlawful detainer against me on ( XX/XX/XXXX ) for non payment after they agreed ( XX/XX/XXXX ) to extend the 3 days notice ( XX/XX/XXXX ) and accept a cashiers check on XX/XX/XXXX for XXXX rent past due ( {$2500.00} ) and after the 3 days notice expired ( XX/XX/XXXX ). 

After receiving the check on XX/XX/XXXX management demanded {$1100.00} for a balance they claimed to be for legal fees, late fees and utilities ; but failed to issue an itemized invoice when I requested. They refused to send me a copy of my residents ledger and locked me out of the residents portal where I could verify my account history. 
As an attempt to justify the wrongful unlawful detainer, they fabricated a lease agreement and resorted to deceitful lying in court. XXXX XXXX, assistant manager, denied receiving payment for XXXX, XXXX and XXXX ( total amount of {$7800.00} ), when evidences proved her wrong she falsely stated she kept my check as per my request. 
She wasnt the only one lying under oath. XXXX XXXX, process server hired by plaintiff legal team filed a fraudulent perjurious Declaration of Diligence on XX/XX/XXXX. 
When XXXX XXXX ( XXXX ) reached out and identify himself as a debt collector I forwarded an email I had sent his colleague XXXX XXXX requesting a copy of my residents ledger, management never sent me a statement. I also attached copies of the cashiers check management kept it in the office until XX/XX/XXXX. XXXX handed it back 26 days later and wrote me Per our conversation in person today, I handed back your check payment you made, because we cant accept your payment until the total balance has been paid in full The lawsuit is asinine. 

Holding my check for 26 days was deceiving then filing an unlawful detainer for a balance no one could account for is defrauding. 

XXXX XXXX also stated charging me utilities before my moving day. Due to covid I had to delay moving from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In late XXXX, I noticed that an inquiry from Bank of America on my XXXX credit report ( dated XX/XX/23 ) that I had not authorized. The inquiry does not show on my XXXX credit report and I have been unable to access my XXXX credit report to confirm. 

I contacted Bank of America to dispute the inquiry and was told that the inquiry would be removed from my credit reports, but that I might not see a change on my credit reports for 60-90 days. 

In XXXX, I received a letter in the U.S. mail from Bank of America requesting more information. I phoned Bank of America and was transferred to the fraud department. The representative could not determine which information was needed and so she 're-opened " the claim. I was again told that the inquiry would be removed from my credit reports, but that I might not see a change on my credit reports for 60-90 days. 

On XX/XX/23, I was notified by my bank that Bank of America had run a second inquiry on my credit report that day. I contacted Bank of America to inquire about the second inquiry, but was told that there was no record of a second application being submitted. Bank of America was able to confirm that the first application had been cancelled and that the inquiry would be removed from my credit report, but I also told that I would need to contact XXXX to dispute the second inquiry. This is ridiculous, as XXXX expressly directs customers to contact companies directly when disputing inquiries.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

The List of accounts below which are bankruptcies 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 XXXX XXXX I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Information was reporting incorrectly causing high interest rate on my house loan. When I showed proof of material paid off and sent it they said they would take care of it and never did. I sent Information 3 times XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. No response either time I also simply can not refinance now because the interest rates now are higher than when I first purchased my home. 

Also, the material that was paid off had been paid off for over 2 years ... ..why would they still be reporting a negative balance on a 2 year paid off account?
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Heres a more polished version of your statement : I am writing to dispute several unauthorized and unverified inquiries on my credit report. I previously filed a complaint on XX/XX/year> regarding this matter. 

At no point did I provide authorization to Experian or the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have never applied for any loans, credit cards, or financial products with any of these entities. Furthermore, I have never submitted written consent or granted explicit authorization to anyone affiliated with these companies, or to any other lenders. These inquiries are entirely unauthorized.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX