davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC (CA)

In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave XXXX   to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay Lexington law to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> I disputed an account with Experian regarding a debt amount being incorrect. I submitted receipts, as well as dates for payments made to XXXX XXXX XXXX XXXX to account number XXXX in amount of {$74.00}, yet the amount being reported is inaccurate. I have proven that the amount owed is inconsistent with what I am being pursued for, and the incorrect balance has remained on my credit report. Both Experian, and XXXX XXXX XXXX XXXX have made serious errors on my behalf and this has left my credit worthiness in an unfair status. Due to this error, I have been denied for financing.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (TX)

I am writing to file a complaint against XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX and ABC Fitness or ABC XXXX  regarding an outstanding balance of {$100.00} associated with my membership at XXXX  XXXX XXXX. 

I am asserting that this amount is INCORRECT for the following reasons : XXXX. My fianc, XXXX XXXX, and I have been utilizing the EXACT SAME credit card ENDING IN XXXX under her name for auto-payments for our memberships. This card is valid, has not expired, and was just charged on XX/XX/year>, by XXXX  XXXX XXXX, for XXXX XXXX membership. They dont have any issues charging that card for her membership and have continued charging for the past years. However, my membership payments have been wrongly stopped without my consent. It is unacceptable that XXXX  XXXX XXXX continues to charge my fianc on the same card while my payments have ceased. With that, I can conclude that the credit card is not the problem here. 

XXXX. During my visit on XX/XX/year>, to the XXXX XXXX XXXX  location in XXXX at XXXX XXXX, I spoke with the manager, XXXX, regarding my statement above. XXXX verified and confirmed that the card is the same. XXXX could not provide a satisfactory explanation as to why corporate has stopped taking my payments. 

XXXX. On the call with XXXX XXXX XXXX XXXXXX/XX/year> at XXXX XXXX, I am trying to work out a solution. I advised them that the credit card is obviously working because they just took out money from that card for my fiance 's membership. They said it is not their problem because ABC Fitness XXXX XXXX is the one they use to handle billings. They told me that reason mine was sent to collection because my card was expired and I did not update it and that ABC tried to contact me. The card is indeed not expired because like I stated above, they just took money out for my finance membership On XX/XX/year>.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There are several inaccurate and outdated addresses and names on consumer report that must be updated/removed. There is a violation of 15 USC 1681s-2. 
NAMES INACCURATE : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
ADDRESSES INACCURATE : 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 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I had balance with XXXX XXXX credit card due to identity theft by a family member, i notified Midland Credit who is handling the debt collection, i attempted to dispute it with Midland Credit and they threatened legal action so i began payments and had made over {$1000.00} in payments to get it fixed until i realized they couldnt collect on a debt due to identity theft so i contacted them, disputed it, and requested a refund which they havent done. 

I called multiple times just to be told my refund request was canceled for an unknown reason by XXXX XXXX on the phone. 

As you can see in the pictures submitted I paid a large majority of the balance off and need to be refunded.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

You were notified that my information was compromised in the XXXX data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and XXXX XXXX breach claim id and remove the following accounts from my credit report within XXXX days : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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. (TX)

XXXX / XXXX XXXX  Account Number- XXXX. I received my credit report. I noticed that this account is reporting incorrectly XXXXThe late payment summary is inaccurate and is reporting as follows, XXXX shows that in XXXX  XXXX is reporting 30 days late, XXXX is reporting 60 Days late, XXXX is reporting 90 days late and XXXX and XXXX is showing that the account was Closed. EquiFax is reporting that in XXXX  XXXX is reporting 30 days late, XXXX is reporting 60 days late, XXXX is reporting 90 days late and XXXX shows it was PAID ON TIME. XXXX in XXXX  is reporting XXXX is 30 days late, XXXX is reporting 60 days late, XXXX is reporting PAID ON TIME, XXXX is showing DATA UNAVAILABLE. This account is reporting inaccurate and According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Bank XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account was opened online, Prior to creating an account with CITI, a XXXX year customer of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX and a XXXX  year client of XXXX  XXXX XXXX XXXX  XXXX Colorado XXXX, Ive opened several accounts online and have been able to access the funds ( deposits and withdraws ) as soon as I activate my debit card. I received the debit card and activated the account, and was able to make deposits, then the account was locked. According to the IVR my account is still associated with debit card ending in XXXX. With an understanding for banking rules and regs, ONCE the customer is verified by the IVR from a the secure ftp data base ( which should be updated at least every 12 to 24 hours ) the customer is no longer required to provide the agent with account information ( full bank account number, debit card number etc ) as the agent may not be bonded, working for a 3rd party, over seas ( off shore ) or in a correctional facility. The account number of the screen should read ( xxxx xxxx xxxx XXXX ) because the request was for a checking account with the product of only debit. If the account was a checking account with the products paper/electronic checks and debit the account number would read ( XXXX or the same as the card number ). Every time I call in too citi, the agent request the full debit card numbers, which has the possibility to enable a data breach, misuse of the account and other activities as related to the Rules and Regs resulting from XX/XX/11. If the account is linked to a corporate account or if the person whom can be assumed as traveling, if the account is disabled the person who needs access to their funds could be left without the ability to pay or the company could report inaccurate numbers as this would be a debit in the XXXX report. ( Company XXXX is down XXXX mil due to outstanding debits being XXXX & XXXX Cards, impacting their credit score. Company is issued a XXXX from an XXXX via XXXX XXXX Additionally, the checking account with only the debit product is an interest-bearing account, The opening deport was a total of a sum greater then {$2000.00} USD. According to the Customer Service Agents SPV ( which all questions were answered and I started receiving the One-Time Pass Code ) the account was a balance of {$5700.00} USD as of the close XX/XX/XXXX. And the account was locked via fraud. Upon speaking with the fraud department, i do not receive the One Time Pass Code from the agents and they have been disconnecting the call, although Ive requested to speak with a manager. 

I want you to communicate to the banks officers, I have no problem opening a class action law suite on bases of undue financial hardship, as no reasonable accommodation has been offered, communicated or met.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 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 2024-06-14
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I have sent installments to Pentagon Federal and some checks were not received in our accounts.NFCU also has large installment interest rates.I 'm a vet in public education with a furlough and only pt. time work as a recreation leader.
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. (LA)

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

Account name : XXXX XXXX XXXX, # XXXX, has 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum compromising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Firstly, I want to make sure that, in accordance with FCRA standards, you have and only retain current, true, correct, complete, and mandated reported information. I also want you to remove any and all deficiency of any condition, mentioned or not, and to demand any and all other information I request. 

I give you no permission to report any false information, past or present. Please check to make sure you are in complete and proper compliance with the regulations that control how you report consumer credit profiles. 

Kindly, look into the following and remove if it's not entirely accurate : XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, As you look into these things, I want my personal data to be updated. Please fix the spelling errors in my name and incorrect outdated address in my report. My name should be spelled as XXXX XXXX. My address that should be reporting is XXXX XXXX XXXX XXXX, SC XXXX. I am attaching a copy of my ID and a Proof of Address supporting my request. Kindly make sure that all misspelled names and incorrect addresses shall be removed immediately. 

I appreciate you acknowledging how serious and frustrating this issue has been for me. I appreciate you carrying out your duties. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (PA)

1. Incident Details ( 1 ) Date & Time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX ( XXXX ) Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Amount : {$4900.00} ( XXXX x {$100.00} bills ) ( XXXX ) Card Used : Wisely debit card XXXX. Sequence of Events ( XXXX ) First deposit attempt on ATM # XXXX : Unsuccessful, all cash returned. 
( XXXX ) Second attempt on ATM # 2 : Deposit canceled, {$500.00} retained by ATM. 
( XXXX ) Immediately contacted XXXX XXXX XXXX XXXX : No assistance provided. 
( 4 ) Contacted Wisely Customer Service : No deposit record found, unable to help. 

XXXX. Follow-up ( XX/XX/year> ) ( XXXX ) Visited nearby XXXX XXXX XXXX Staff unable to assist as I'm not a XXXX customer XXXX 
( 2 ) Contacted Wisely Customer Service again : Refused to file investigation due to lack of deposit record. 

XXXX. Unresolved Issues ( XXXX ) {$500.00} cash retained by XXXX ATM. 
( XXXX ) Both XXXX and Wisely unable or unwilling to resolve the issue. 
( XXXX ) No investigation initiated by either party.
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

On XXXX XXXX Violated the following FDCPA 15 USC 1692P SECTION 809 AND 1006.6 Communications in connection with debt collection. Credence Resource Manage attempt to collect on XXXX bills for XXXX. Consumer asked for the following Purchase Agreement and Original sign contract with signature stating that i owes and agree to this Debt. Consumer asked to be provided with documentation showing by letter or electronics attempt was, made within 5 days exclude weekend to notified this consumer. Records search was done per XXXX Credence Resource Manage licensing in the stated of Nevada and XXXXonsumer requested copy of XXXXXXXX XXXX paid to the stated of Tx allowed to collector in the state of Tx. XXXX Texas collected period of XXXX yrs.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit report, I noticed that my credit report is being furnished with inaccurate information. The accounts and hard inquiries in this dispute are not mine and were never initiated by me at any given point. I am a victim of identity theft.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE CREDIT ACCOUNT!! 
XXXX CALLED ME FROM XXXX XXXX She said she could email me. And list the fraud claims but she never did. Please have her call me again tomorrow or wed. 
Your friend, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Yesterday I tried opening an account with credit union. No luck. 
Please contact corporate headquarters in XXXX XXXX. Ceo not XXXX. XXXX is doing nothing. 
There's also a charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's fraud. Please look into that!! 
Please look into that.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Base on a recently obtained copy of my credit report I do not recognize nor requested credit from these entities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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. (AZ)

I have reached out to XXXX  and experian on multiple occasions in regards to deleting inquires that I did not authorize and have not received a response. I did what they asked me and wrote a letter to the companies and havent received a response. It is the duty of transition and experian to remove hard inquires that were not authorized. I have been getting the run around since XXXX. I called to check on the status XX/XX/XXXX and XXXX the manager at XXXX  put me on hold and hung up the phone and never responded back this happens constantly and I can not get any answers from XXXX.