davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (FL)

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ). 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-08-21
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: Experian Information Solutions 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I have been a victim of identity theft.A auto loan was open with credit acceptance corp Acct XXXX XXXX  while XXXX.The account has inconsistent dates and data. 
The above account ( XXXX ) has violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy 15 U.S.C 1681 Section 602A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/year> I walked into a Bank of America Branch to make a wire transfer to The XXXX XXXX. I provided the information to the banker and she seemed unsure about how to enter the information on the system and went to check with her manager. She came back telling me everything was good and the wire was sent. I did not ask for the money to be sent in the local currency but she said the bank converts it automatically. I found out XXXX weeks later that the banker enter the wrong swift code in the system. Instead of sending the wire to XXXX XXXX the wire was sent to XXXX XXXX XXXX in the local currency. The manager tried to fix it by sending a message to the receiving bank to make the correction instead of sending the money back. XXXX days later I still didn't have my money so the wire was recalled and I still do not have my money. It has been a month and the manager says she doesn't know when or if the money will be back. I am desperately waiting fpr my money and It's not fair for me to loose my money over someone else 's mistake. The amount of the wire is XXXX which I borrowed over my house so that I can make a payment in the XXXX XXXX. Today no one has an answer for and I don't know what to do. I tried calling the wire department and they have me wait for a long time with no answer. The manager doesn't know anything either. I need all my money back. Please help.
Consumer complaint received 2023-09-18
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. (MD)

My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( Experian XXXX XXXX ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXX Way XXXX CA XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX New XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2024-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC. (AK)

My complaint is with the HFD, a payment plan company of XXXX. I sent in impressions and photos to start my treatment and received the first few aligners to start my treatment plan, the very first aligner that I had received never fit, they instructed me to send more impressions and photos in order to start treatment and that was the very last communication I received from XXXX. 

When I signed up for XXXX, they had me start a payment plan with Healthcare Finance Direct, LLC and I've been paying every month. I found out that XXXX has filed XX/XX/XXXXXXXX and has been completely liquidated and all aligners and treatment plans have completed stopped. They have never reached out to me and there was absolutely no further communication to me regarding their closure and I've never had a chance to start my treatment. 

HFD just today ( XX/XX/XXXX ) told me to continue making payments in order to not be sent to collections. I have been paying this bill of {$77.00} a month for months now and still never having started my treatment plan, yet I'm still being threatened by HFD to pay my bill. 

I believe and feel that it's illegal to insist on payment when services have never been rendered. Not only is this illegal, but I should be due a refund of the amount I've paid. Again, I was never able to start the treatment. 

I sent my initial impressions in XXXX and my total bill was XXXX. I've paid {$700.00} so far and still owe {$1000.00} per HFD. 

Please advise. Thank you so much.
Consumer complaint received 2024-05-27
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. (IL)

I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Consumer complaint received 2024-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC (CA)

I am an XXXX XXXX and XXXX XXXX XXXX XXXX XXXX last XXXXXXXX XXXX XXXX. Per CA military family code, I am entitled to defer payments and interest and not be charges fees during the duration of my XXXX. I applied for this benefit with my mortgage company and after much run-around was finally approved. I applied for an extension due to financial hardship caused by the XXXX and with the assistance of XXXX XXXX XXXX legal aid was extended until XX/XX/XXXX. 
I am now trying to sell my house. However, my loan balance is now ( XXXX XXXX and climbing each month ) higher than the original amount I borrowed ( XXXX XXXX  ) putting in a difficult situation trying to sell my house due to the additional fees I was charged during the deferment labelled " adjustments ''. I have tried to get clarification from the lender many times and attempted to correct the situation through their " escalation '' department to no avail. Can you please help rectify the situation expeditiously so I can sell my house without significant hardship?
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (NJ)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX, XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for tangible proof to support the account 's legitimacy and allowable use. If there is not enough evidence, I anticipate that the account in question will be deleted from the report. I give you permission to email me an updated credit report and hard copies of the paperwork you took.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (MD)

Someone steeled my identity to open a XXXX credit card with Synchrony Bank in XXXX, XXXX, as reflected as a hard inquiry in my XXXX credit report. It was not authorized by me. It looks like someone used my information, my previous address and a phone number I don't recognize. 
I froze my credit in XXXX and XXXX today ( XX/XX/XXXX ). And I contacted Synchrony Bank today, they said they just declined that application, and contacted credit bureau. This hard inquiry will be removed from my credit report in 60 days. I also called XXXX, they will inform Syncrony Bank on my behalf that this application is a fraud. 
XXXX also suggests me to contact XXXX to get an Identity Theft Report so that's why I'm submitting a claim here.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I requested incorrect information removed from my report. There were old addresses, phone numbers, names, jobs, banking information from several companies. I reside at one location, I have one phone number. A lot of personal information there that doesn't need to be there. I sent letters to all three consumer reporting services with no results only one sent a credit report after I asked for a free annual report. All three sent an ad for additional services at a cost but no free annual report. There are soo very many soft pulls of my credit that I did not authorize almost fifty maybe more. This is so very unfair your assistance in this matter would be mist appreciated. Thanking You in advance.
Consumer complaint received 2024-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Consumer complaint received 2024-09-05
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 am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-27
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (PA)

In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind Equifax of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that Equifax takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (AL)

Upon checking my credit report and my po box . I see that a credit card is reporting from your company and i am getting bills sent to my po box for this credit card. I was recently in the market of purchasing a house and gave a realtor all of my information including bank information for my deposit/down payment. When i talk to the realtor again i was told that i didn't get the house but i should get a denial letter stating why. instead of a letter i am receiving bills and not only bills payment have been taking out of my account to pay this credit card. i never applied for this card and i didn't give this realtor information to apply on my behalf. the weird thing about this is that i never had this card in my possession.