davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Debit card transfer in error as fraudulent activity, requested payment to be stopped. Reported to Bank of America on XXXX hours after transaction. Call to bank next day, XXXX, for status update and found there was no claim filed on my behalf. Claim then filed on XXXX. I feel Bank of America should have reacted much more quickly to process claim on night of call instead of taking action when I called the next day.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I do not have bankruptcies reported received letters from XXXXXXXX XXXX that bankruptcy info was removed from my report with XXXX XXXX  and advised to contact credit bureau for removal letter submitted
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: OneMain Finance Corporation (GA)

I had a loan with one main financial. I filed bankruptcy and they reposed my car. I was paying on the loan and was told by the bankruptcy lawyer not to make payments till future notice to the loan. I was not given any notice about repossession. I came home and my car was gone. I called they told me I had to pay the remaining balance of the loan in order to get my car. All my possession in my car I never received.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2023-03-30
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. (NY)

The following unauthorized hard inquiries has placed a negative effect on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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. (LA)

I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

I had credit fraud an my information has been compromised to eqifax an XXXX I am asking for all the inquiries be removed I dont own no car loans let alone if you see they keep going to same dealer or keep applying online or however they do application director so many inquiries it had been taking for ever to get off my credit I can appreciate a letter saying or asking all XXXX credit bureaus to remove all inquiries from my report cuz XXXX had ask to finally contact yous an let you know I never been to dealers i have credit card I never received or had my only credit is XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX as far at XXXX XXXX anything else is not mine I like for inquiries to be remove Thankyou Im to old already Im am working with all XXXX bears to get this nightmare resolved as try make sense best as seeing Im XXXX if the word dont make sense my plans are this resolve an then freeze my credits I can be reach at my email XXXX XXXX
Consumer complaint received 2024-04-23
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. (CA)

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.

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 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid the balance in full as agreed. With a ZERO balance, I received another bill charging interest of {$17.00}. 
Customer service is horrible and they are unwilling to work to maintain Customers like me who have an excellent credit history.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. 

Please see attachments. 

Thanks in advance
Consumer complaint received 2024-04-24
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 writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to XXXX. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXXXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Supreme Lending (CO)

Supreme Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Around XXXX, XXXX. A mortgage loan amount of almost {$200.00} XXXX was approved to someone using my identity. As when I tried to see if I could be approved I was denied but someone underwriting my personal identity got approved that was not me. And I do not know who is doing it but I have gone through identity theft since XXXX. 
XXXX XXXX XXXX XXXX XXXX Social Security Offices Example : XXXX, Co website withholding other ways for people to sign in to their MyAccount SSI? SSA?. Gov? to communicate.
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (MI)

There are UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2024-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

To Whom It My Concern Dispute Center In reviewing my XXXXXXXX XXXX XXXX on Friday, XX/XX/XXXX, I noticed my score changed from XXXX to XXXX by dropping XXXX points from previous credit reports. The drop in score is due to my Capital One account needing to be listed on my XXXX XXXX XXXX 

Since Capital One did not list my account on the XXXX report, the report showed a fair credit score versus an Excellent score. Earlier this year, I experienced the same problem with Capital One not reporting my credit information to XXXX, and it took months to rectify the situation. 

Since I am self-employed, my credit score assists with my borrowing capital. Please report Capital One on my XXXX credit report immediately to alleviate any problem with my XX/XX/XXXX credit report. 

Capital One Credit Bureau Resolutions notified me by letter on XX/XX/XXXX, stating that they verified that the above-referenced account is reporting to my credit file and advised that I contact the credit reporting agencies directly to assist with my request. 

On XX/XX/XXXX, at XXXX XXXX I reached out to XXXX and spoke with XXXX XXXX XXXX representative identification # XXXX. He stated that I must contact Capital One to resolve the problem.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, Equifax Information Services LLC, and XXXX XXXX XXXX in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to me.
Consumer complaint received 2024-04-23
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 I 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 2024-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (WI)

Back during COVID, I was on a Forbearance. After the Forbearance, I should have been granted a COVID ALM, lowering my payment by at least 25 %. They have been fixing it with loan modifications and those have been, and are, greater than what my payment was! Never was I offered the ALM, which I should have been.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2024-04-23
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX of 2022 I requested a payoff from my bank of America credit card account of which the bank told me the amount I in turn send the information to the company that was handling the payoff the company in turn send the check to bank of America i am not sure how the transaction was handle all I was told the money was sent to the bank for the payoff bank of America without contact me about the payment and sent my name to XXXX credit bureau that I was late in XXXX & XXXX of 2022 I disputed it several times with the credit bureau and all the time they came back with the same dispute # that it has been verified I call the bank on several occasions and to be told that the department does not speak to anyone I am very frustrated as I have nowhere to turn to for help I have been a loyal customer with this bank of America for over 40 years and this is the way that I have been treated i hope that I can get your help in removing this late report from my XXXX credit file thanks XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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. 
XXXX  Account # XXXX, 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.