davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (PA)

For over 1 year now, I have been unable to access my account to make payments or get information on my payments being applied. I am not able to speak with anyone and have sent email requests for help to resolve the problem but they never call me back. My balance has not gone down at all from the time I purchased the car in XXXX. My balance is still the same. I have been waiting for a call to make my payment and the call never happens. But the fees are always applied. I am being taken advantage of and my country is unwilling to help protect XXXX veterans like myself from corporate greed and fraudulent charges. You are allowing this to happen and I am the only one suffering any damages and going broke in the process. I did not purchase this car with the intention of never paying it off. An audit of my payments should be made on my account. 
My account number with the company XXXX Please HELP MXXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (NY)

I am writing to formally dispute the presence of inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the significant time that has passed since my initial contact, I have not received any response from Equifax concerning the concerns I raised. I wish to provide a comprehensive summary of the inaccuracies that necessitate immediate rectification : Account Information : Creditor : XXXX  XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : This account has never been overdue. I request that Equifax correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that Equifax rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that Equifax correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that Equifax rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$50.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit  : {$250.00} Issue : The account has never been overdue. I request that Equifax correct this inaccurate information on my credit report.
Consumer complaint received 2024-07-08
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. (TX)

DEAR, TRANSUNION I WOKE UP XXXX AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XXXX XXXX XXXX to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This was a transaction with XXXX made XXXX XX/XX/2022 in the amount of {$580.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-09-15
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (MD)

On XX/XX/XXXX, The credit bureaus stated that XXXX XXXX XXXX  XXXX, was verified and properly investigated but how is that possible if the status is inaccurate, date last reported is inaccurate, opened date is inaccurate and the date last payment is not accurate.This is grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 604 A Sec 2 : The Law clearly states that a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish anything on my account And according to 15 U.S. Code 1681e - Compliance procedures. No consumer reporting agency may furnish a consumer report to any person. 
Also according to 15 U.S. Code 1681e ( b ) Accuracy of report procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These are clear violation 15 U.S. Code 1681i ( 5 ( A ) - can not be verified, the consumer reporting agency shall 15 U.S. Code 1681i ( 5 ( A ) ( i ) -promptly delete that item of information from the file of the consumer
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent 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
Consumer complaint received 2023-09-15
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. (OK)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX  XXXX on my public record as Accurate and True. This is a LIE.

I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!!

LexisNexis cant produce evidence that they have been working directly with the NJ Bankruptcy Court regarding my XXXX XXXX inaccuracies.

The public record must be removed per the law.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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. (AL)

Experian is reporting 3 Inquires on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent information is being reported on my credit report and Experian has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (FL)

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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Bank of America, I am writing to express my deep dissatisfaction with the way my credit card account has been handled by your company. As a consumer, I expect to be protected by the laws and codes that are in place to safeguard me from debt and financial instability. However, I feel that your company has violated these protections in several ways. 

Firstly, I am currently not able to work due to medical issues, and I have been struggling to make my credit card payments as a result. Despite my efforts to explain my situation and request assistance, I have not been provided with any viable solutions. Instead, I have been subject to aggressive collection tactics and have received threatening letters demanding immediate payment. 

Secondly, I recently closed one of my credit card accounts with your company, only to find that the interest rates on the remaining accounts have skyrocketed. This sudden increase in rates has made it even more difficult for me to keep up with my payments, and I believe it is an unfair and unethical practice.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (AR)

My business uses XXXX ( will be closing that account after this is resolved ). They in turn using a company called webpay to process transactions. 

XXXX was taken by webpay to be sent to me but all of a sudden they for no reason whatsoever said my account was closed. They have to hold my funds for 120 days and there is no explanation or anyone to talk to. I sent email that was not replied to and this is even worse by closing my account I havent been able to take payment from other paying customers. Please refund me my XXXX. I need this money I have bills to pay that cant wait for this fraudulent company. I need my funds ASAP
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-07-08
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. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MD)

My client is XXXX XXXX and I have been working with her toward a loss mitigation resolution since XXXX 2014. We had an equator file open for her so the property was supposed to be in the marketing status - waiting for an offer. In XXXX an offer was received, the equator file had been closed out - without any notice to me or to the borrower. I reopened the equator file XXXX and had to email to ask when nationstar would send me some tasks. Over the next few weeks I submitted documents as requested. The BPO was supposedly ordered XXXX XXXX, but we were contacted for entrance to the property until XXXX XXXX. Again, all docs were in and all tasks were completed by XXXX XXXX per the first processor XXXX XXXX. The borrowers were served with the order to docket and preliminary loss mitigation affidavit in XXXX. I wrote to both Nationstar and the law firm representing them that the order to docket should not have been served as we were in the middle of applying for loss mitigation and not all options had been reviewed. I requested that the lender and the law firm make note that the final loss mitigation affidavit should not be served as we had a complete short sale application pending. We still have a complete loss mitigation application pending.
Consumer complaint received 2019-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

There's an account ( Capital One ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.
Consumer complaint received 2024-05-16
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-17
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 am writing to contest and to dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (GA)

XXXX XXXX XXXX XXXX Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/ to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX XXXX XXXXXXXX made XXXX XX/XX/2022 in the amount of {$630.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2022-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX  XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Late Dates XX/XX/15, XXXX, XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXXLate Dates XXXX
Consumer complaint received 2024-07-08
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. (MI)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in XXXX  listed accounts, which is causing concern.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Equifax is consistently allowing my credit report to be negatively impacted by an illegal report. The report is for XXXX XXXX. The time to collect the debt has elapsed. It has been more than six years and even when I told Equifax this more than once they still won't erase it. No one is reporting this, but Equifax. It doesn't show on XXXX, or any other credit report. There is also an address on my credit report that does not belong to me.
Consumer complaint received 2023-09-15
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: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2022 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXX/XX/XXXXXXXX made on XX/XX/XX/XX/XXXXin the amount of {$160.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.