davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (IL)

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.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MO)

Ive been filing disputes for months abt this unauthorized fraudulent account. I received an email alert from XXXX credit that said my email and social had been detected on the XXXX XXXX  Later that day I changed most of my passwords due to this being the XXXX time this year this happened. I noticed in my spam there were several emails from loan and credit card companies. I have reason to believe either and old neighbor or relative opened this account without my permission for years. This account was sold to collections which is further damaging my credit score
Consumer complaint received 2023-03-12
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: CarMax, Inc. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXXXXXX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Re : Dispute of Charged-Off Account on My Credit Report Dear Sir/Madam, I am writing to dispute a piece of inaccurate information that appears on my credit report with your bureau. The item in question pertains to a charged-off account, and I believe it has been reported in error. 

Details of the disputed account are as follows : Account Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Date Closed : XXXX I understand that a charged-off account typically remains on a credit report for seven years from the date of the original delinquency that led to the charge-off. Based on my records and understanding, the reporting of this account does not align with that timeframe, and I kindly request its review. 

Please investigate this matter as soon as possible and correct the error. I have attached copies of relevant documentation that supports my dispute. 

In accordance with the Fair Credit Reporting Act, I request that you notify me in writing of the outcome of your investigation within the 30-day period. If it's determined that the information is indeed inaccurate or can not be verified, I kindly request its removal from my credit report. 

I appreciate your attention to this matter. Please feel free to contact me at XXXX or XXXX if you require any additional information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an American Express XXXX XXXX for {$120.00} and have attempted to use it on numerous websites for purchases far below the {$120.00} balance and it is always declined. I attempted to use it at XXXX, XXXX, XXXX, XXXX and XXXX, in addition to other online retailers, and it was declined every time.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CommonBond, Inc. (WV)

I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with CommonBond. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX  CommonBond. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since XXXX.
Consumer complaint received 2023-10-23
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. (MD)

For over a year I have disputed inaccurate information on my 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  This information is misrepresenting my credit profile and stopping me from obtaining new credit.
Consumer complaint received 2023-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting Act. 
The list of accounts that I have listed below, have violated my federally protected consumer rights to privacy and confidentiality. 
Under 15 U.S.C. 1681 XXXX XXXX / Acc # XXXX XXXX XXXXXXXX / Acc # XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX Have all violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( 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 then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618 s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (PA)

In XX/XX/2023 I filed a dispute with Experian about an inaccurate charged off account that was reported on my credit report from XXXX XXXX XXXX XXXX. I also mailed documents to Experian via Priority Mail to attach to my dispute and proof that XXXX XXXX XXXX XXXX violated the Fair Credit Reporting Act. 
It has been over 30 days and I was never notified or received investigation results on my dispute and when I checked the status of the dispute on Experian.com, it was deleted as if I never filed a dispute.
Consumer complaint received 2023-11-13
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my 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
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America allowed XXXX XXXX XXXX in unauthorized withdrawals from what appears to be fraudulent electronic withdrawals to major corporations. I need assurance that all theses funds will be returned immediately so I can pay my bills. 
They should not have bankers hours for fraud.
Consumer complaint received 2023-10-23
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)

I am writing with regard to two fraudulent transaction charges that took place without my permission in connection with my BOA credit card end with XXXX. XXXX transaction took place on XX/XX/XXXX  with the amount of {$86.00}, and the other transaction took place on XX/XX/ with the amount of {$10.00}. 
What happened is that I lost my BOA credit card end with XXXX on XX/XX/. I did not realize my credit card was lost until I received text messages and emails from BOA alerting me that there were suspicious credit card transactions and asking me to reply YES or NO to either approval or deny those transactions. I immediately replied NO to deny those transactions and called BOA credit card customer service right away to report the loss of my credit card as well as report the fraudulent transactions. BOA customer services were able to close the lost credit card for me and filed claims for the two fraudulent transactions mentioned above. On XX/XX/, my BOA online banking shows that a credit of {$86.00} and a credit of {$10.00} were temporarily available while they were trying to resolve the claims. However, those credits were removed on XX/XX/ after they resolved the claims. I feel very weird and upset. I called BOA customer services and they told me that the claims have been resolved but they had no information why the credits were removed. 
I feel extremely unfair, because I did deny the two fraudulent transactions that took place without my permission by replying NO through text messages right after I received the alerts. I did all I can as a consumer and victim of the stolen credit card to avoid fraudulent transactions, but BOA still did not refund me the credits. I hereby request BOA to refund me the credits for the two fraudulent transactions which is a credit of {$86.00} and a credit of {$10.00} respectively.
Consumer complaint received 2024-04-08
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)

It has came to my attention that some accounts and inquiries that were not authorized by me was placed on my credit report and it surprised me that the bureau are not making sure that all records showing myreports are accurate, the accounts and inquiries are no where attached to me nor do I have anything to dowith them, please kindly remove as soon as possible because it violated my consumer right, reporting inaccuracy is a violation. kindly remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC. (NY)

I entered into a agreement to have several facial treatments with XXXX XXXX  in XX/XX/XXXX. They immediately started billing me although no services were rendered. I contacted XXXX, but was told to make an appointment for treatment which I did in XX/XX/XXXX. I only had one treatment but the experience was awful. The technician used an ineffective XXXX XXXX  to numb me before XXXX XXXX XXXX The XXXX  felt like hot coals and I suffered excruciating pain during and after the XXXX XXXX. I further omitted and had XXXX  for a few days. I couldnt even touch my face, it felt like it was on fire. 

A few days later, I called XXXX XXXX and told them that I would discontinue treatment and that they should stop billing me. I would pay for the service used so far, but felt that this type of treatment wasnt for me. They apologized and convinced me to give it a second chance and that they would use a different numbing technique, so I begrudgingly made a second appointment in XX/XX/XXXX, which was subsequently cancelled. 

I am now paying for a service I can not use and they are refusing to discontinue billing. I first called Ally, the company thats been billing me monthly since XX/XX/XXXX for {$97.00}, but ALLY referred me to Laser Away. When I called XXXX XXXX  they referred me back to Ally. So apparently, Ive been caught up in some sort of scam or catch XXXX situation. I dont know what to do. Ally recently sent me a notice stating that if I dont pay the full balance of {$730.00} by XX/XX/XXXX, they would start adding interest to my payments. So I am really motivated to resolve this as soon as possible. 

Allys contact number is XXXX and XXXX XXXX XXXX XXXXXXXX. 

Is there anything you can do to help me.I can be reached at XXXX. 

Thank You
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Spring oaks capital llc. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-08-01
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: ENCORE CAPITAL GROUP INC. (FL)

The midland credit management company is in violation of the law. Under the 15 U.S. Code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account or my consumer report. Further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. So therefore my private information has been shared to a company who I have no contract with. DELETE AND REMOVE this incorrect data from my credit report now.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On or about XX/XX/XXXX, I contacted XXXX to dispute an account on my consumer credit report. This account has been disputed multiple times, but each time, XXXX and credit bureaus report that the account meets FCRA requirements. In XX/XX/XXXX, I requested that XXXX provide me with documentation proving that I opened the account. XXXX sent a billing statement with my Name, Former address, and Phone number. I have never been associated with that phone number. Please see the attached documents. I am disputing ownership of the account. I have not owned any XXXX XXXX XXXX XXXX XXXX at the specified address and the phone number associated with it. I owned an XXXX XXXX XXXX XXXXXXXX at the specified address. Additionally, I lived at XXXX XXXX XXXX, XXXX Ca XXXX from XX/XX/XXXX and not XXXX XXXX XXXX, XXXX Ca XXXX. At the same time I had 2 cell phone lines opened : XXXX and XXXX. I would know If I had another account with XXXX. I didn't open that account based on the information provided.
Consumer complaint received 2023-10-22
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-22
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. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.