davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX XXXX XX/XX/year> Dear EXPERIAN, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX {$720.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT, AND I AM REQUESTING THAT IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

Sincerely XXXX
Consumer complaint received 2023-11-21
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I put about {$80000.00} in CD 's for my children in XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  This bank has closed down. I have not been able to retrieve my funds as of yet. I was in touch with the president XXXX XXXX who let me know I would get my funds back which he has not done that. A few years went by I had a lawyer write him to see where my money went and I have not got an answer yet. I have been calling around trying to locate my money. I called the FDIC they told me my funds should have been in First Citizens Bank, they gave me the contact number for them. I called them they said they couldn't see my money I should go into the branch they would be able to see it. I went into the branch they said they didn't see my money. I should call unclaimed funds. I called unclaimed funds they said they do not see it. I called FDIC Division of Resolution and Receivership they told me to call FDIC claims dept. So basically I have not had any further with finding my money. I had a letter stating it could be in XXXX XXXXXXXX XXXX  on XXXX XXXX XXXX XXXX Ga. SO I've been calling them and leaving messages. I have not received a all back and non one answers the phone. So today XX/XX/XXXX I went to the branch to see if I could talk to some one in person about XXXX XXXX. No one came to the door to unlock it even though I seen someone in there. 

These are all the places I called XXXX left a good survey review Checking XXXX CD XXXX and Closed XXXX who closed the accounts CIT Bank XXXX XXXX XXXXXXXX XXXX and Trust CoXXXX, XXXX XXXX, XXXX, First Citizens Bank and Trust Co. XXXX XXXX & XXXX Account No. 
Division of Resolution and Receivership XXXX XXXX claims dept fdic
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXXXX/XX/year> XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NC)

On XX/XX/XXXX. 2023 XXXX XXXX  wrongly forward information over to IQ data international IN, claiming that i used their service for a deposit. I rented for XXXX  years with my apartment complex and never applied for rental assistance. There is no agreement/ or contract with my signature on record with XXXX XXXX XXXX XXXX XXXX . therefore, they should not be reporting me to the credit bureaus. They are claiming that i owe them {$1600.00} and is refusing to provide proof of my signature and contract agreement. I request that IQ DATA international be removed from all XXXX credit bureaus.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (OK)

I was made to pay a down payment in which I had to barrow after the fact I was informed there would be no money put down. I never received copies of paperwork from the oringal transaction I had to go to one of their other dealerships years latter and received partial information which didnt include my right to terminate transaction and amount of time to do so. Wasnt informed conspicuously or privately my consumer rights. I was made to pay for insurance that was supposed to be included in purchase price. They to this very day havent given me any funds in my hand or account for this purchase but unlawfully repossessed the vehicle without my consent so I dont know who is at fault completely the lender who has yet to send me any type of information Ive requested from them or dealship for willingly miss leading me into going into dept for down payment and not providing me with all documents involved in transaction
Consumer complaint received 2024-09-08
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. (IN)

I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX  a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXX.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I maintained two credit cards with USAA for many years. I had an XXXX XXXX XXXX. I received an XXXX alert that my XXXX XXXX dropped 110 points and found that USAA had reported me for delinquent payments. I never charged anything to the card or authorized charges, and they were fraudulent. I was also never signed up for electronic billing, and only signed up for paper bills. I found that USAA sent emails only to an out of date email address. I had previously updated my email address with USAA and received emails at my new address. 

I paid the bill in full and spoke with USAA customer service who told me they could not retract the credit reporting despite admitting that they used a wrong email, admitting that they incorrectly only sent emails as notifications, and did not call or notify me in writing. I was then told to dispute with the credit company, and that USAA would confirm the incorrect report. 

I then disputed the incorrect credit report to XXXX. XXXX then notified me that USAA had again incorrectly confirmed the " late payment. '' I contacted USAA again and they indicated there was nothing which could be done. I spoke with the highest manager possible, who refused to help. I then closed both credit cards, since USAA had fraudulently and incorrectly reported my account as late. 

I am an attorney, and informed them I would be making a CFPB report, and then bring a civil action for violations of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation (MO)

I made deposits from my albert app account which is a checking account to an online gaming site. 
# 1The online gaming site would not verify my identity and let me withdraw the funds i deposited to the account after i provided the information they requested. 
# 2 They shut my account down with my money in it and refused to communicate with me. 
# 3 Albert refused to file a chargeback on the account after the money was stolen from me.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (FL)

To whom it may concern : I recently received a copy of my credit report and found proof that Equifax is illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4300.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
I HAVE INCLUDED A COPY OF THAT REPORT AS EVIDENCE.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

In XX/XX/2022, my student loans were transferred from Nelnet to XXXX. Nelnet has not corrected this information on my XXXX Credit Report. It still shows Open/Never late and a balance causing my report of loans to seem to be doubled of the original amount. After many tries Nelnet has not changed the status to Transferred/Paid as agreed/Closed and account loan balances zero.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (CA)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (ME)

Today I requested that The GM card by Marcus/Goldman Sachs reduce my credit limit from {$12000.00} to {$7500.00}. They stated they do not have that option in their system. Is that legal to raise my credit limit but not lower it upon request? 
Me : Please reduce my crefit limit to {$7500.00} please. 
Marcus : Thank you for messaging today! My name is XXXX, your GM Card Specialist at Goldman Sachs Bank USA. I am happy to assist you with your questions and concerns today.

From Marcus ; At these moment we don't offer a credit limit decrease, sorry for the inconvenience
Consumer complaint received 2024-01-10
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)

On XXXX XXXX XXXX  I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XXXX XXXX XXXX XXXX XXXX  had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX  must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). 

It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) Midland Funding, LLC v. XXXX, 137 S. Ct. 1407 ( 2017 ) - Proof of Claim
Consumer complaint received 2024-01-10
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. (MI)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-14
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: Paypal Holdings, Inc (NJ)

I MADE A ONLINE PURCHASE FOR XXXX AND I CANCELLED THE ORDER I USED PAYPAL THE REFUND WAS ISSUED ON XXXX XXXX THEN PAYPAL WITHDREW THE FUNDS BACK ON XX/XX/XXXX THE AMOUNT IS {$170.00} I'VE REACHED OUT TO PAYPAL SEVERAL TIMES TO NO AVAIL.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2023-02-21
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: EQUIFAX, INC. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} 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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-18
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. (NC)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.