davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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
Consumer complaint received 2024-07-28
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. (TX)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

I UNEXPECTEDLY RECEIVED A LETTER OF GARNISHMENT OF WAGES AT MY PLACE OF EMPLOYMENT. I NEVER RECEIVED A SUMMONS TO APPEAR IN COURT FOR A DEBT IS XXXX YEARS OLD AND I RECEIVED A LETTER OF VOLUNTARY DISSMISSAL FOR.
Consumer complaint received 2024-06-01
Product: Credit 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: WELLS FARGO & COMPANY (NH)

I had a dispute XXXX with XXXX that was initially not resolved in my favor so the provisional credit was reversed and then this was reopened and then resolved in my favor but never received a permanent credit for this - {$26.00}. I have made multiple calls and the last I spoke to a manger named XXXX who was one of the most rude and disrespectful managers that doesn't deserve a job at all and should be fired. I need my credit
Consumer complaint received 2024-07-16
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. (MI)

According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account XXXX XXXX Installment XXXX XXXX XXXX XXXX : Please remove this inaccurate information from Credit Report. Thank You.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

I invested money to XXXX XXXX XXXX  and XXXX  I was receiving e mails from Cedars Business services. That I owed money and they are a debt collector. XXXX is the name of representative from Cedars. She calls me almost everyday and I have received a lot of emails. I ignored them. I have been taking care of my credit score so good. My score from XXXX XXXX XXXXXXXX XXXX reached to excellent one time and it remains on very good most of the time. One time I was so surprised from XXXX it wet down to XXXX. I scrolled down why it happened and I saw this Cedars they reported me as derogatory record. She ruined my life. I am so devastated. Today my son asked me to apply as a co signor for his student loan. I wasnt approved because of what she did. When I talk to her I requested document that prove that I owed money from XXXX. She said they would send me within 7 days but I did not receive any. In our conversations she said my deposit didnt go through. I said if my deposit didnt go through they should just leave it alone. That means I wouldnt have an investment to them. I was innocent and didnt realize it was not deposited. Also why they have to fund it? Why they didnt email me that? Also I have the same amount with coinbase {$3000.00}. And my money there now is. {$3500.00} as of this date and time. It is XXXX. And my XXXX from {$500.00} is {$870.00} now. These was the same time I tried to deposit to XXXX too. I thought it was my money. When I learned that I contacted my bank to search my deposit to XXXX, m they didnt find any. But then It was not my fault. If they really funded me, which I didnt like to, the money should grow like in coinbase. I didnt borrow money from them. I was not aware and is this kind of scam? I asked XXXX how many innocent people happened like this am I into the only one she said, she said theres a few. And she also told me to pay it first and dispute. What kind of deal is that? I dont owe money and she wants me to pay? After the conversation and my request of documentation, she kept calling me non stop. She harassed me a lot. She ruin my life. I did hard to take care my credit score. And now I feel bad for my son. He was needing my help so bad.
Consumer complaint received 2024-06-18
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a business credit card from Bank of America that had fraudulent transactions on XX/XX/year> owing to losing the card. 

There were three fraudulent transactions posted to my account but only one has been resolved and credited back to my business credit card account. 

The other two charges totaling to an amount to {$360.00} has still not been reversed. I have made multiple calls to Bank of America Business Credit card customer service asking to explain the same and they keep denying the fact that there were three fraudulent charges posted on XX/XX/year>. 

I am attaching the credit card statement for the month of XXXX capturing the fraudulent charges not credited back to my account as the proof of my assertion. 

In addition to the same, Bank of America also debited {$360.00} towards the payment to the full balance of the card for the XXXX month statement cycle on XX/XX/year> from my Bank of America checking account. 

When asked for the refund for the payments made towards the fraudulent charges from Bank of America, the customer service department denied the refund of the payment withdrawn on XX/XX/year> due to the autopay set on the business credit card account which is clear violation of federal law.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (PA)

I was offered a loan of {$16000.00} with my vehicle as collateral. Today when they called to finalize the loan, I was told I must refinance my vehicle with their company and that they would only give a loan for {$3700.00}.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

Equifax XXXX XXXX are reporting inaccurate information onto my credit report. 

No of terms High credit Date last active is a year off INACCURATE Date of last payment is 3 years off INACCURATE
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

Information on my credit report from all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid.

Date opened High credit Credit limit Last reported Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (NY)

I am reaching out to bring to your attention an alarming situation that requires immediate resolution. I have been facing relentless harassment and threats regarding a debt that I do not owe. Despite my repeated attempts to address this issue, the calls persist, causing me significant distress.

I kindly request your prompt intervention to investigate this matter and cease my further communication related to this unfounded debt.

Your cooperation in resolving this issue at the earliest would be greatly appreciated.

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KS)

Invalid information that doesnt match all together on the 3 credit reporting agencies. Equifax, XXXX, XXXX : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.
Consumer complaint received 2024-06-18
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. (CA)

Account/File # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above Account/File Number & also previous disputes regarding this account.

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop responding to my disputes with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE.

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2024-06-04
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear or Madam : On or about XX/XX/year>, a representatives claimed they were calling from Bank of America regarding scams in our business and personal accounts in the amount of {$18000.00}. They insisted that if I purchase gift cards in {$500.00} increments, take pictures of the cards and text them to them, I will get my money bank. 

I immediately called bank of America Fraud Department alerting them. The scammers keep calling me to purchase the gift cards. I went to XXXX and XXXX XXXX XXXX. While at XXXX XXXX XXXX, I called Bank of America Fraud Departments letting them know that I was at XXXX to purchase the gift cards, but my accounts were frozen. 

Bank of America unfreeze the Debit Card and I purchased the gifts cards. Bank of America Fraud Dept. knew or should have known that purchasing gift cards, taking pictures, texting the pictures of the gift cards are scamming modus operandi. 

Bank of America opened investigation, and later refunded the {$18000.00}. XXXX months later, they reversed the credit of {$18000.00}. 

Most importantly, they were investigating the Claim as a Fraud instead as a Scam. Now, they are investigating it as Scam. 

The BoA representative assigned to the case has not returned my calls or emails. 

I need my funds of {$18000.00} plus damages for willful negligent by Bank of America employees of the Fraud Department.

Thank you for your assistance in resolving this matter promptly. 

If you have questions or concerns, you can reach me via email XXXX or by phone at XXXX. 

Respectfully Submitted, XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

I bought items that were returnes but the processing of the return failed for an unknown reason so i was advised to get my bank to refund it. Then now the bank has just stalled and stalled and it only takes a moment to see the error in the account ab that im owed it on the original purchase. I know there is no reason to wait months to check into it. I feel they wont help me. 
I had deposited XXXX last month aswell and was told the hold would be 24 hours. But they held it so long i had to contact the better business bureau then to get my money. This bank is ridiculous and very unprofessional.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am writing to dispute the validity of the debts referenced in the collection accounts reported on my credit reports. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debts as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have 32 open and closed accounts reporting on my credit reports XXXX and XXXX. I have established credit for more than 3 years and Equifax is not reporting a score or a report on my behalf. I demand that they investigate this error and correct it by reporting a score and a report.
Consumer complaint received 2024-05-31
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. (CA)

XXXX XXXX XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report,
XXXXXXXX XXXX ran a credit check on my credit report still havent taken it off my credit report
Consumer complaint received 2024-05-31
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. (LA)

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-19
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.