davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX the Bank of America ATM in XXXX Florida ate {$80.00} and the payment was never reflected on my credit card. 
I reached out to them on XX/XX/XXXX to try and get my funds back. 
XX/XX/XXXX XXXX : California * {$80.00} is being investigated and should be resolved by XX/XX/XXXX XX/XX/XXXX XXXX from Texas Manager : XXXX texas XXXX said the {$80.00} will be back on the credit card by Friday ( XX/XX/XXXX ) XXXX said it was a check that was deposited and thats why they were sending {$80.00} back to my checking account, but it didn't work because I paid cash not a check. 
XX/XX/XXXX XXXX Says the back office kept pushing back the time when the funds would be given back * Another letter being sent out pending for XX/XX/XXXX Hes hoping they will give a time frame on that letter but he cant see it I also have enclosed a picture of the ATM I was at on XX/XX/XXXX at XXXXXXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DreamSpring (NV)

As a federally protected consumer, I am opting out of any authorization that I XXXX XXXX may have given you written, non written, verbal, non- verbal per 15 USC 6802 This was the notice sent out on the XXXX XXXX XXXX to the XXXX XXXX listed in the report After today date XX/XX/year> if it is not remove you are violating my rights and you are agreeing to XXXX dollars per violation.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC (CA)

Getting repeat calls from XXXX from structured settlement. Received first call on XX/XX/year> at XXXX a voice message was left. Received next call on XX/XX/year> at XXXX from the same XXXX XXXX left voicemail. I've blocked the numbers but the repeat calls are from different numbers but voicemails left from same person at structured settlement. XXXX and XXXX are the numbers XXXX is calling from
Consumer complaint received 2024-06-04
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. (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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I attempted to buy merchandise from an individual and pay with Venmo. As soon as I clicked send I was notified that it was a scam I called Venmo immediately to stop payment. They said they could not stop payment. I called my bank and froze that payment which cost me {$30.00}. I asked Venmo why that scammer was allowed to have an ongoing account when they already knew about. They said they take this very seriously and remove scammers. However, they did no such thing. My account with them is now frozen, and I can not close it. Although if someone sends me money, they will keep it. How is this allowed to happen.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I need to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Equifax, I am writing to dispute the information related to account # ( XXXX ) on my credit report. Following the completion of your recent reinvestigation, I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information.

As a natural person exercising my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you refrain from using any stall tactics in response to this letter. I look forward to your response within 15 days upon your receipt of this letter.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX  XXXX Date of Inquiry XXXX/XXXX/202
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

This shows in my credit wise report and in my credit report and I dont remember ever getting any card or loan from this place. ( Spring Oaks Capital LLC ) original lender ( XXXX XXXX XXXX XXXX ) collection/charge off for {$630.00} reported on XX/XX/2023. It says the account is 1 year and 10 months old. I did not apply for anything on those dates!
Consumer complaint received 2024-02-02
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. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Lueder Law Firm, LLC (GA)

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Office : XXXX Email XXXX Was paid XXXX $ for an outstanding hoa bill, on XX/XX/XXXX After payment was made the there was still a Lein put on my property. I have asked multiple times for proof of payment, and this Lein to be removed but I havent received any updates. 
I was charged for a pet fine multiple times which I have informed them that it is a service animal. They reduced To take these fines off and have used them against me in the amount
Consumer complaint received 2024-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Mercedes Benz Financial Services (FL)

Dear Consumer Financial Protection Bureau, I am writing to you because Mercedes Benz of XXXX XXXX, violated so many of my rights and then denied me extension of credit. Mercedes Benz of XXXX XXXX, stated that their decision is not based on my credit score, then later stated that they made their decision based on my credit score and that is why they denied me and according to 15 U.S Code 1681b, They did not get authorization from me to pull my credit more than once, even after I asked was it mandatory. Mercedes Benz also violated 15 U.S. Code 1662 ( 2 ), that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments. The guy that was assisting me said that my downpayment and monthly payment will change according to my credit score. which ties into the next violation, 15 U.S. Code 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. I did not want to put a downpayment or agree to a co-signer so they denied me. Also, according to 15 U.S. Code 1611, Whoever willfully and knowingly gives false or inaccurate information or fails to provide information shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Even after I explained this to Mercedes Benz XXXX XXXX XXXX employees they still insisted to tell me I am wrong and kept trying to pursuade me to get a different car than I picked. I was told that I was not denied or approved, I asked the young lady for my Truth and Lending act while I was at the dealership and she told me that in order for me to receive a copy of my truth and lending, I would have to be approved and sign the contract. So nothing was explained to me all the way. Thank you
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft. These unauthorized inquiries must be removed immediately. XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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 am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2017-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (OH)

I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}
Consumer complaint received 2024-06-04
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. (VA)

Experian has given me a poor experience of the dispute process related to two credit card accounts reported incorrectly. 

Experian has received disputes about the XXXX card four times, and the XXXX card has been disputed four times. Each dispute result reaffirmed the inaccurate derogatory reporting. The disputes detailed that these two accounts were paid in full and not included in bankruptcy. The dispute process only added the positive paid history or changed the date of delinquency from XX/XX/XXXX to XX/XX/XXXX, while XX/XX/XXXX is the date that the account was last used for activity and paid in full. 

The dispute process with Experian did not investigate this reported data to confirm it was accurate. 

After four chances to correct my reported data, I submitted a complaint with the consumer finance protection bureau with the two credit card companies. These accounts have been updated as paid in full and do not mention bankruptcy at all. Experian has not updated these accounts, and they have had 15 months to fix these accounts; prolonging the update is unnecessary. 

My complaint is that Experian is in a position to report accounts that belong to me for the use of creditors and this information reported is not accurate. Additionally, Experian has not updated the reports even though XXXX reported the correct information on XX/XX/XXXX and XXXX reported the update on XX/XX/XXXX. Experian is the only agency that has not updated my report to reflect the correct information.
Consumer complaint received 2024-06-21
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. (VA)

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (VA)

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The last time XXXX XXXX reported account to Credit Bureaus was back on XX/XX/XXXX and havent reported any account activity since. Its currently reporting a balance of XXXX to all credit bureaus when thats not accurate. I only owe XXXX on account XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This account is not mine and I'm a victim of identify theft. I reported this account was unauthorized on XX/XX/2020, The Creditor has stated that the account was authorized and closed the account. This account has been paid for due for the sake of my credit report. This Merchant has reported this account delinquent on my Experian
Consumer complaint received 2024-06-21
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. (VA)

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (VA)

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XX/XX/XXXXs Account No. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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.

has violated my rights. Or a list of inquiries : 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 a 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 2024-05-03
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a XXXX XXXX XXXX theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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: Army and Air Force Exchange Service (VA)

United States of America Army and Air Force Exchange Service XXXX Exchange Credit Program , Dispute Unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX SUBJECT : Dispute of Unauthorized Deductions from Military Retired Pay ICO XXXX XXXX | SSN : XXXX Dear Sir/Madam, I am writing to formally present three distinct disputes related to unauthorized deductions from my retired military pay account. Enclosed is a detailed document outlining these disputes, along with supporting evidence and references to relevant federal laws. 

These issues have caused significant financial and personal distress, and I seek your immediate attention and resolution. I request an official acknowledgment of these disputes, a thorough review, and corrective actions to address the errors and prevent future occurrences. 

Please respond in writing directly to me at the address specified above within 30 days. 
Thank you for your prompt attention to this matter. 

Sincerely, I am XXXX XXXX Citizen of Indiana state All XXXX Reserved without Prejudice
Consumer complaint received 2024-08-03
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: EQUIFAX, INC. (TN)

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.