davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

New information Fraudulent Charges by XXXX XXXX XXXX XXXX : XX/XX/2023 To : American Express Dispute Resolution Cente Subject : Fraudulent Charges by XXXX XXXX XXXX - Urgent Action Required I am writing to report fraudulent charges on my American Express card for services and products not received or performed by XXXX XXXX XXXX. 

Previous Efforts : In XX/XX/2023, after 7 months, the dentist admitted to not providing a XXXX graft and a yearly membership and claimed I was refunded. 
I was also charged for Gingival irrigation not agreed to or provided and Post op visit a month after Cancellation as I only went in to discuss my outrageous bill XXXX never received any refund from the bill, and American Express has not processed any refund for these items. 
I filed a dispute with American Express for these charges. 
On XX/XX/2023, I took XXXX XXXX XXXX to small claims court and was awarded the maximum damages allowed in California ( {$10000.00} ) plus court costs. 
The Judge agreed that this work was never preformed and these charges should imeefiatrl cond off of my bill and be charged back to Merchant! 
I have requested a call back from a supervisor XXXX times by telephone, fax and this site in early XXXX regarding this matter but have not received any response. 

Current Status : The dentist is delaying the court-ordered payment by postponing it twice and requesting a new trial. 
The fraudulent charges remain on my American Express account. 

Action Required : Immediately charge back the judgement of {$10000.00} and all the additional fraudulent charges over and above that to XXXX XXXX XXXX. 
Investigate why the previously requested refund for the XXXX graft and yearly membership was not processed including gingival irrigation and post op visit. 
Ensure that all fraudulent charges are removed from my account. 
Additional Information : You have received documentation supporting my claims, including : Copies of my dental records showing no evidence of the XXXX graft etc. 
Copies of XXXX dental reports by independent dentists. 
Proof of the court judgement and award of {$10000.00} XXXX records with the dentist and American Express. 
I am available to provide any further information you XXXX require. 
I urge American Express to take immediate action to address this matter and resolve this issue to my satisfaction. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

I previously reached out on XX/XX/XXXX with a minor inquiry on the payment process and ease of making payments with them as they stripped the app and made it more difficult to access your account right after acquiring Great Lakes. I never received a response to this email still 2 months later. I reached out to them again as I logged in to my account to set up my XXXX payment and found out that my XXXX payment was declined and my account was past due. I've never missed student loan payments until having to deal with Nelnet. I reached out and asked for information as to why my payment was declined as they provided no information as to what was wrong with the payment method. Nothing showed as a transaction with my financial institution indicating a payment was even attempted by Nelnet. I have yet to receive a response other than automated reply they are very busy and apologize for the delay. How far behind are you that my email from 2 months ago still hasn't been responded to? I'm hoping the next payment goes through because otherwise I don't know how else I'm going to pay this loan back. My account is already past due and Nelnet is unresponsive to offer any assistance in what is going on. I can't fix what I don't know is wrong with the payment method and haven't had issues with this in the past.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 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 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I sent a letter disputing the following inquiries. They are still on my report more than 30 days later. 


I asked for proof of permissible purpose of these inquiries, but I never received them. The inquires were reported as verified although no proof of this verification was presented. 

This is illegal according to federal law - 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 2 ) such amount of punitive damages as the court may allow ; and ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-11-10
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. (MO)

XXXX XXXX XXXX is in violation of 15 USC 6802 B. XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2018-09-08
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: Resurgent Capital Services L.P. (WA)

I am working with XXXX XXXX XXXX. XXXX XXXX XXXXf settled with these two companies and it is being paid monthly. XXXX should not have this bill in collections.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-11-30
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. (TN)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 2023-12-14
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. (MO)

Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.
Consumer complaint received 2023-04-25
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. (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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid 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 (VA)

BARCLAYS/ XXXX XXXX Credit Card charged me up to {$4000.00} off of plane tickets for the same destination, the same date at the same time. I started a dispute, since XX/XX/XXXX but Barclays was only able to fix half of the charges. I contacted XXXX and they refunded the rest amount {$1500.00} in XX/XX/XXXX. I have proper documentation that shows three amounts being refunded : {$520.00}, {$490.00}, and {$490.00} for a total of : {$1500.00} which was refunded but it is the same current balance Barclay 's is charging me still. 

Please check XXXX amounts refunded match the same amount Barclays is still charging me in my Bank Statement XX/XX/XXXX. 

Please advise on how to proceed, since I have been fighting this since XX/XX/XXXX Complaint Number is : XXXX. I work for the XXXX XXXX and I must not lose my XXXX XXXX over Fraudulent Charges I am not responsible for.
Consumer complaint received 2024-04-12
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-11-30
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. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-30
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)

These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2024-04-12
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)

On XX/XX/XXXX, I sent copies of a paid collection agreement and proof of payment of {$300.00} taken out of my account on XX/XX/XXXX to all XXXX credit bureaus XXXX, Equifax and XXXX and asked them to please remove collection status to show paid. I disputed 1st with all 3 bureaus to be told that it was investigated and the account was valid, then i sent proof showing that it was in fact paid and they still said the collection was valid. I am trying to purchase a home and this is still showing derogatory. Could you please help me?
Consumer complaint received 2023-05-10
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: Source Receivables Management LLC (MD)

The creditor admits to contacting me eight times even after opting out of communications. They have been sending letters more than once. They spoke of a contract that was not provided from original creditor showing my signature. I did not acknowledge any ownership of such account or any knowledge.The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. My information was also breached in XXXX by XXXX. My personal information was leaked to the dark web including my social security number several times. I have disputed several times with original creditor. The address listed is also not the address I resided at the time. The data breach and opening of the account match with year of opening of account. I have provided proof below.
Consumer complaint received 2023-11-30
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. (CA)

The following inquiries are fraudulent and I don't recognize any of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On the date of XXXX a fraudulent unauthorised inquiry from Capital One had reported to my credit file along with XXXX XXXX on the date of XX/XX/2023 and then on XX/XX/2023 another Capital One inquiry had reported to my credit file.
Consumer complaint received 2023-05-09
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: ENCORE CAPITAL GROUP INC. (NY)

Hello, my name is XXXX XXXX. there is a credit collection from MIDLAND CREDIT MANAGEMENT supposedly opened on XX/XX/22 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company ( MIDLAND CREDIT MANAGEMENT ) and now the collection is reappearing after it has been removed in the past from original creditor XXXX XXXX XXXX XXXX XXXX XXXX 

The credit bureaus have not accurately removed this account due to false information being reported. 

This collection needs to immediately be removed.
Consumer complaint received 2023-11-14
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-14
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.