davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (IL)

I have identified fraudulent accounts on my credit report that need to be removed immediately to correct inaccuracies and restore my credit score. 

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 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 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 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

There are things on my credit report that I have no idea about, I've asked for proof of who they are, there are random bills and they can be from anywhere due to fraud. I've never received anything from the company or who they are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've been living at my current address for less than a year and the debts are fraud. I'm getting law enforcement involved. For companies to report do Experian, XXXX, and XXXX
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I wire money to my girlfriend, the first time {$50000.00} to start a business on XX/XX/year> the second time I wired $ XXXX on XX/XX/year> this money comes from the sale of my house I got closing papers from were money comes from the bank closed my account and had taking my money I wire and the money I had in my bank account $ XXXX can I help me the bank refuse to talk to me or get this resolved I am a USA citizen XXXX is not right the bank owe me $ XXXX I got documentation were my money comes from
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I have a overdue collections inquiry in my XXXX credit report related to an XXXX account which is a company that I have not had any type business relation or association with, nor have never had an account with them on any of their services. 

Collections company, IC Systems inc and previously XXXX have been trying to collect a debt related to an XXXX account, that I dont recognize and that it could be related to an identity theft case. 

I submitted a identity theft report already with number XXXX which resulted in removal of credit inquiry by collections company XXXX However XXXX seems that is again trying to collect debt from me using IC Ststems INC collections company ( another company ), which is the inquiry I am trying to address now.
Consumer complaint received 2024-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (NV)

Payments on my mortgage loan are due on the XXXX of each month. Between the months of XXXX and XX/XX/XXXX payments were wired to my mortgage company, yet they claim that I was late because they did not apply the XXXX payments to my account and returned the wired payments back to me. 
I have no idea why PHH Mortgage Services would do this to me and then report that I was late on my mortgage when I have consistently overpaid my mortgage and am actually paying off the note almost XXXX years before it is due ( its a XXXX  year term ). 
I am including a letter from PHH Mortgage Services where they confirm that they received the XXXX payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. PHH also confirms in their letter that they returned the payments back to me instead of applying those XXXX payments to my account. 
Whatever reason XXXX gives as to why the payments were returned is irrelevant as payments were wired to XXXX and should have been credited to my mortgage/principal/interest/etc. If any overpayment was made, XXXX should have just sent me a refund check ( just like I would receive if I overpaid my credit card, or car loan, or any other credit account ). 
Instead of XXXX being a good servicer of my loan, they returned the wired funds causing my loan to appear delinquent. This reporting made my score drop by about a XXXX points. 
Of course I have attempted to clear this issue up with XXXX 's customer service, however, XXXX is not taking any responsibility in this matter and continue to show lack of customer service, poor judgment, and refuse to make any corrections to my account and credit reports. 
XXXX claims they are reporting accurate information, however, I did not make my payments late! My XXXX payments were wired to XXXX in a timely manner and they should not be reporting any negative information as they are the ones who returned my payments!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute.

1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: P&B Capital Group, LLC (MI)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX XXXX  ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 US Code 1681a ( 2 ) ( A ) ( B ) ( I ) ) and to bring to your attention the presence of inaccurate information on my TransUnion credit report. 

After recently obtaining a copy of my credit report from TransUnion, I discovered discrepancies requiring immediate attention. The inaccuracies in question pertain to the following : Accounts with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX show Collections/Charge-off and balances. A 1099c form was never sent by the institutions and per the IRS these chargeoffs were already taken as a loss to the companies therefore it is no longer owed. 

Additionally, XXXX XXXX Mortgage there is inaccurate information regarding a late payment in XX/XX/2022.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2024-08-05
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. (GA)

To whom it may concern, I recently disputed an account on my consumer report that came back on XX/XX/year> UPDATED. 
I am requesting the method a verification that you used for the following account : XXXX  XXXX XXXX Opened Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( 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 telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy.

If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud
Consumer complaint received 2024-08-05
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. (PA)

Recov assoc capital XXXX bank XXXX XXXX, southern newhampsire XXXX XX/XX/year> credit XXXX bank XXXX XXXX debt of education/neln XXXX XXXX us bank consolidated XXXX XXXX XXXX lutherford XXXX credit XXXX bank XXXX XXXX
Consumer complaint received 2024-08-05
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 and Experian are reporting two XXXX XXXX 4 year old charge offs every month as if the charge offs are new ( see attached pics ). This has caused me to be turned down for a HELOC recently. They are showing up as open on myfico, the data base most companies use. This is a violation of my right to have an accurate credit report under the FCRA.
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: WELLS FARGO & COMPANY (TX)

I am wanting the inquiries to be deleted because I did not authorize these companys to run my credit. Thats fraudulent! 

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 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SUNCOAST CREDIT UNION (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2023-05-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC (OH)

William Rush associate called me and threatened me about taking me to court about XXXX XXXX  on my credit report which I don't owe them or XXXX anything. They called me from XXXX XXXX number and my mom just called me saying they called her and was very rude asking rude questions about me and not representing themselves properly
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Recently I looked into my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ CAPITAL ONE ] [ XXXX ] XXXX : [ CAPITAL ONE ] [ XXXX ] XXXX : [ CAPITAL ONE ] [ XXXX ]
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third bank is charging me an ATM fee of {$3.00} for a a withdrawal transaction of {$40.00} done XX/XX/year> in a partner ATM as reflected on their website. I called Customer Service and it turns out whomever is responsible for updating their website did not do it and now this particular ATM is not a partner ATM. They want to held me, the customer, liable for their negligence in not updating the website. I would like to get the {$3.00} back that I was wrongfully charged. A complaint was filed with XXXX and now their excuse to not refund me is that the ATM I used charges a fee when using a credit card. I did not use a credit card. I used a debit card. 

I have checked again their website on XX/XX/year> and it still shows that particular ATM as a partner ATM. Why am I getting charged a fee when I did my due diligence of using a partner ATM to complete a debit card withdrawal?
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE (NV)

I recently was hit with a 30 day late payment when I actually made a payment. Golden 1 Credit Union also told me my minimum payment due was around {$3000.00} but when my credit report updated, it only said my minimum due was {$440.00}. My statements never said that.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (SC)

XXXX : Account was sent to collections in XX/XX/XXXX for amount owed of {$690.00}. Reviewed my credit report thoroughly and XXXX has account as closed date as XX/XX/XXXX which is incorrect information and is effecting my credit report. As stated the first XXXX years can hurt your credit tremendously, which it has because XXXX  ( 3rd part collection agency-Source Receivables Management ) is reporting the date of collections incorrectly. I have reached out to XXXX third party debt collector and they even told me the account has been closed and sent to collections in XX/XX/XXXX ; I have even aske for the date to be correct upon my credit report and the third party debt collector has refused to change to correct date.I have spoke to managers in regards to this incorrect open date sent to collections but yet no help has been made. I also noticed in the month XX/XX/XXXX the {$690.00} debt was taken off of my credit report but placed back on in XX/XX/XXXX.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 and XX/XX/XXXX and XX/XX/2019 I contacted XXXX, XXXX and XXXX lodged a complaint that I had inaccurate information on my credit report. The company responded. I provided the information that they requested and notified the company that I do not owe this debt. 

They refuse to remove the information off my credit report. 
Capital One Re : Saks Fifth Avenue XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-06-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A credit card account was opened under my name with a {$29000.00} limit, and is currently on my credit report with a balance of {$3000.00} currently on it. I never opened an account or applied for a credit card with Bank of America. I contacted them a while back, and always got put on hold, or transferred to another department where nobody helped me. After about a year of trying to figure this out, I stopped trying due to frustration, and just decided to keep the balance current to avoid fees and penalties. I was going through a divorce and was having a lot of other things going on at the time, so it slipped my mind until I saw that Bank of America was being sued for opening up fake accounts, then everything made sense.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I received a mail at my address on XX/XX/2024. When I opened it, it thanked me for being a part of USAA. Confused, I called USAA and discovered that there was an account in my name that I hadn't opened. I informed them that I didn't open the account, and they initiated a fraud investigation. USAA advised me to notify my credit card companies as well, providing me with a link for further steps.