davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Consumer complaint received 2023-05-02
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. (CA)

HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXX. COLORADO XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX Account Number : XXXX, FRAUDULENT NAMES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( S ) : GOING XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (NC)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$810.00}
Consumer complaint received 2024-04-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (GA)

On XXXX XXXX, 2024 received an hard inquire on credit report due to lease termination fee. 
The manager of XXXX  XXXX at XXXX XXXX has been contacted as a result and thoroughly discussed my payment for the additional months rent and the termination fee. 
Was told that they couldnt fix the false pay issue because they already sent it up to collects. 
No form of communication was used to contact me/ the tenant prior to the additional termination fee and subsequently my credit has been effected.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2023-12-28
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)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the bank regarding these late payments, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and have agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC. (WI)

All student loans ( both XXXX and private ) that were on my account with Navient were found to be fraudulent and were to have been purged. All negative credit bureau reporting was to have been reversed. While the amount of the loans has been removed from my credit reports, my credit scores have not been adjusted accordingly. In addition, Navient is to reimburse all payments that I ever made made on all loans that they serviced, including all fees and interest that was paid. This comes to roughly {$25000.00}. They have refused to have the credit scores adjusted, they have refused to reimburse the monies they legally owe me and even though all loans list XXXX amounts, they continue to list due dates on some of them.
Consumer complaint received 2023-09-27
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (CA)

I hired a solar company XXXX XXXX XXXX to put up solar panels XX/XX/XXXX. this company went out of business and did not complete the installation. one month before the loan company ( Goodleap XXXX Ca XXXX was to begin the billing I contacted them and told them that the panels were not installed yet. they told me to contact the solar company and have them issue me refund for the months i had paid. I didn't asked XXXX  ( solar company ) for a refund because i saw that the solar company was working on the installation. but in XX/XX/XXXX Goodleap ( loan company ) contacted me to advise that XXXX  ( solar company ) had closed their doors. I contacted Goodleap 's customer service to find out if they had paid XXXX XXXX XXXX  for the installation and I was told that the loan had not funded ( they did not pay ). Goodleap said they were working on getting a new solar company to finish my installation. I contacted the new solar company to find out when they were going to come out but they never returned the few phone calls I made. I then contacted Goodleap and told them to tell me when the installer was going to come out because they were not returning my calls. I also asked Goodleap to stop the payments until the new installer completes the work because i am also paying the electric company. But I didn't receive any options or solutions. If I stop paying the loan they will add the interest to the end of my loan. as of now I have not heard from Goodleap or the solar company as to when they are going to finish my installation.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have submitted multiple complaints and disputes regarding these issues and nothing has been taken care of. I have repeatedly stated that this information is inaccurate and fraudulent. 
Name of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
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: Chime Financial Inc (CT)

I made a purchase on XX/XX/XXXX from XXXX XXXX  for {$76.00} the product was showing delivered by the post office however it was delivered to the wrong house because I never we received it. I put in a claim with the post office and also Chime bank back on XXXX XXXX. Chime is telling me I need to wait until XX/XX/XXXX to be credited the {$76.00} which I find ridiculous.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I had accidentally made a double payment to my Bank of America Visa card in the amount of XXXX totalling XXXX. When I called BofA to ask for the second payment to be reversed and have the XXXX returned to the checking account it came from ( it came from an external checking account ) they processed my claim. At the end of the call the agent said it would take 90 days for the claim to be resolved. I was shocked that something so simple would take so long. After the 90 days I recieved a letter from BofA stating that they debited my BofA credit card and unfotunately could only return XXXX. They claimed it was because it would have made my account past due or over the credit limit. I was not past due and my credit limit is XXXX. At the time of the claim, I owed less than {$1000.00} on the card in question. Neither statements were true. 

To add insult to injury, I had not received the funds I used to make the payment put back to my checking account. When I called to inquire, an agent say it would take 2-5 business days. On the fifth business day, I still had not recevied the funds. I called back and the next agent said it would take 30 business days. When I asked why it would take an additional 30 days, she couldn't really explain why and couldn't expedite.
Consumer complaint received 2024-04-25
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. (OR)

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 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. State 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 an 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 cremes 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 2023-12-28
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)

XXXX XXXX XXXX reported on my credit an account opened XX/XX/22 for the amount of XXXX. This account DOES NOT BELONG TO ME. Please remove from my credit report immediately.
Consumer complaint received 2024-04-25
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-09-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Thursday XX/XX/XXXX, I received a text message on my phone that my card was charged {$210.00} at a XXXX. I immediately called Bank of America customer service to report the charge as fraudulent. The representative informed me that my physical card was used and it was a chip transaction. I was extremely confused and concerned because I had my physical card ending in XXXX and expiration date XX/XX/XXXX in my possession. After speaking with the representative and creating a claim ( Claim number : XXXX ), I received several emails from Bank of America with details how to track my claim and such. I further searched my email for emails from Bank of America and found an email dated on XX/XX/XXXX that stated Your credit card ending in XXXX is expiring soon. We sent a new card to this address, the email stated my card was shipped on XX/XX/XXXX and would arrive in 7-10 business days. I have attached a copy of this email to this document. I have never received that replacement card in the mail, which leads me to believe my replacement card was stolen in the mail either at the Post Office or from my mailbox and then used without my knowledge or permission at a XXXX in XXXX XXXX Connecticut on XX/XX/XXXX. I live and reside in XXXX, NY and have never used my card in or traveled to Connecticut. I still only have the card ending in XXXX that expires on XX/XX/XXXX in my possession. On XX/XX/XXXX, I was notified that my claim was rejected because it was a chip transaction. Bank of America completely disregarded the letter I sent them by fax explaining the situation. How can I be held responsible for a charge from a card I never received in the mail! They sent it by regular mail with no signature or registered mail. The customer service representative should have asked me for the expiration date listed on the card I had in my possession. It is abhorrent that the card could be activated or simply used straight from the envelope without any confirmation that it was actually in MY possession. I should not be held responsible for charges from a card I never received in the mail or activated myself.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the Social and Health SVCS ( XXXX ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( XXXX ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the XXXX WA XXXX # XXXX, XXXX XXXX XXXX account # XXXX, the XXXX XXXX XXXX Account # XXXX, and the XXXX XXXX # XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these four accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the Social and Health SVCS ( XXXX ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from XXXX ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from Social and Health SVCS, which shows my account to be closed.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't recognize any of these flags on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-08
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. (LA)

I was recently XXXX from year XXXX XXXX XXXX upon my release i tried filing taxes for stimulus help, however the person who stole all my personal info filed taxes in my name etc He actually confessed he did it. Your not coming home what you care for He owns a Tax Service in XXXX. ( XXXX XXXX XXXX ) He did that XXXX stuff etc. I noticed my information was gone year XXXX upon his release. He has been literally LIVING off my name my identity its not right. So forth IVE DISPUTED THIS FALSE INFORMATION ATLEAST XXXX times with proven Documents. Still nothing happen they just hang up!
Consumer complaint received 2023-09-27
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. (OH)

I received email from credit monitoring that XXXX pulled my credit for something. Called them they said they showed no account and advised to contact their fraud department after waiting for hours and opening a XXXX  complaint for wait they advised same thing no record of my info. Now years later a debt buyer opened a collection against me for this when I have never had XXXX XXXX ever and attempted to stop the fraud when it occured.