davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NJ)

debt collection letter sent by online information services in representation of XXXX XXXX, amount of XXXX. Contacted OIS, they instructed me to file for identity theft. Contacted XXXX XXXX they requested I fill out this form.
Consumer complaint received 2023-04-05
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. (LA)

In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX  has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (AL)

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report.

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt.

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt.

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required.

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX, XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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. Payment on said account was never late
Consumer complaint received 2024-10-26
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CA)

So i had a chime account and i saw some transactions unauthorized and i disputed the transaction and they denied my dispute and im really upset they only took 1 day to look into this this the date was XX/XX/year> and the amount was for {$340.00} the there was no action they didnt even want to help me i also did a police report and they still denied me
Consumer complaint received 2023-03-13
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: Bread Financial Holdings, Inc. (TX)

15 usc 1681 Section 602 States I have the rihjt to privacy.

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

15 USC 1666B : A credior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-26
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. (GA)

I was previously a victim of ID Theft and upon periodically viewing my credit report I noticed bankruptcies being reported in my public records. I contacted the bankruptcy court and was informed that after their investigation, it found be fraudulent and was removed from their records. I am enclosing a correspondence from them stated that. 


-case # XXXX  disposition date : XX/XX/XXXXXXXX  -case # XXXX  disposition date : XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Paid Balance To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my XXXX report regarding an account with Bank of America. Below are the details related to the account in question : Bank Name : Bank of America Account XXXX : {$XXXX} ( Paid ) Account Closure Date : XX/XX/XXXX According to my records, the balance of {$XXXX} was fully paid, and the account was closed on XX/XX/XXXX. I believe this account should not be negatively impacting my XXXX report, as the balance has been cleared and all obligations fulfilled. Please investigate this matter, and I would appreciate if you could remove any negative reporting related to this closed account, as it inaccurately reflects my financial standing. Enclosed, you will find supporting documentation, including proof of payment and account closure confirmation. Thank you for your prompt attention to this matter. Please inform me of the outcome of your investigation at your earliest convenience.
Consumer complaint received 2024-10-26
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

My husband, XXXX XXXX, and I attempted to purchase a backhoe using XXXX XXXX. The listing company was XXXX XXXX XXXX. Located at XXXX XXXX XXXX, XXXX, FL XXXX. After researching the company, I determined that it was a legitimate business. The purchase price of the backhoe was {$28000.00} and the shipping was {$2800.00}. I was advised by " XXXX '' from XXXX XXXX XXXX that we would need to wire transfer the money after he sent us an invoice. We wire transferred the money on Thursday, XX/XX/2023. We went to our bank, XXXX XXXX, and made the wire transfer to Chase Bank, in the name of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Account XXXX. XXXX. On Monday of the next week, XX/XX/2023, I tried contacting " XXXX '' from XXXX XXXX XXXX. There was no response, and he did not respond to email either. The next day I contacted the owner of the company, XXXX XXXX. XXXX XXXX advised that it was not her company that we bought the backhoe from. She stated that her company and her name were fraudulently used to sell this equipment and that approximately two weeks prior to this she received a call from another person who also thought they had purchased a piece of equipment from her company. On XX/XX/2023, I attempted to contact Chase Bank fraud department. The person I spoke to advised me to contact my bank, XXXX XXXX. I contacted my banker, XXXX XXXX, and advised him of the situation. He immediately submitted paperwork to Chase Bank that this was a fraudulent wire transfer. He also advised that he had a contact at Chase Bank that he could call. XXXX XXXX called me back a little while later and advised that his contact told him that the money was still in the account and that Chase Bank had a restriction on the account. I then received a letter from XXXX XXXX, stating that " As the money will not be returned from the receiving bank, we are not able to reimburse you. '' I once again called XXXX XXXX and spoke with him about this letter. He said that he would call his contact at Chase Bank and inquire into the account. He later called me and advised me that his contact had told him that the money was still in the account, the restriction was still on the account and that Chase Bank was not able to get a hold of the account holder to ask their permission to release my money to me. His contact advised that I would need to take another route to have my money returned to me. In the interim, XXXX XXXX, the owner of XXXX XXXX and/or her husband, filed a police report with XXXX XXXX XXXX XXXX XXXX Department XXXX I was contacted by a XXXX XXXX. XXXX XXXX requested that I file a police report with my local XXXX XXXX XXXX which I did. I have attached the following documents to this complaint : 1. Invoice - Unredacted 2. Bill of Sale - Unredacted XXXX. Wire transfer - Unredacted XXXX. XXXX XXXX Police Report - Unredacted XXXX. XXXX XXXX XXXX Police Report - Unredacted 6. XXXX XXXX XXXX
Consumer complaint received 2024-10-26
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 am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NY)

My Federal student loans, serviced by Mohela/Department of Ed have been paid off for months. My bank, XXXX, and the XXXX, show the student loan account as still open with a ~ {$520000.00} balance owed. This error substantially impacts my credit score. Banks sharply limit a potential home loan because this student loan appears open on my credit report. The fact that it takes months and months for this to be corrected is completely unacceptable and the error itself is costing me money. Credit reporting agencies should not be able to hold one 's credit report hostage like this. To boot, XXXX is difficult to get ahold.
Consumer complaint received 2023-04-05
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)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX REF : XXXX : XXXX have violated my rights. 

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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I use to have an account with care credit and it was closed due to non activity. 

I just recently re-applied for an emergency and I got pre approved for {$2000.00} I had to use this website link to verify my identify and it had me take a picture of my barcode. I dont have the best camera In the world and I dont know why they have such a horrible system in place but I wasnt able to get the barcode to read with the system and they denied my application because of that. 

I wasnt provided an alternative method of verifying. So the letter is lying. 


I wasnt giving any information on how to move forward and this is annoying and a silly process because what if a person doesnt have a cell phone? What if a person doesnt have a camera. There should be other ways to verify someone besides the method I was given. 

I need this application to go through and this is important to get an understanding of how to move forward.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Equifax was unable to grant access to their online system to manage the credit report. After confirming identity, all attempts to regain access to the system resulted in errors. During this process, I discovered that the report had inaccurate contact information in all fields, including a phone number that has never been associated with me, and an address that was seven years out of date.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX Co XXXX XXXX XXXX, XXXX XXXX VA XXXX # XXXX, XXXX REF : REF : XXXX have violated my rights. 

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 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
" ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX IN : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 generallf, 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 2024-10-26
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. (AR)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.