davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to be removed by the Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections. 

Under the FCRA, I request that you : 1. Promptly initiate an investigation into the accuracy of the disputed items.

Notify me of the results of your investigation within 30 days, as per federal law.

Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report.

2. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (OH)

I have never held an account with this company and they are attempting to collect a debt that had already been discharged with the original creditor. I requested to opt out of them sharing my account information and all attempts be ceased via phone and email and they refused and continued to contact me. A 1099 has been filed and accepted by the IRS and copy B has been sent to the original creditor and whoever this company is.
Consumer complaint received 2024-03-15
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. (CA)

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to XXXX of this fraudulent information. told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Trying to get a mortgage, but because of the way it's being reported I keep getting refused. My house is sold so I need to get a mortgage or I'll be out in the street, without a home. I'm a XXXX person and my husband was a XXXX vet. ( he's passed away ). It needs to be reported as an installment loan.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 've initiated several disputes with Transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. XXXX keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just 1 of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing us today.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

As a victim of identity theft, I disputed various items on my credit report in XXXX, including XXXX. The investigation returned with no changes. I contacted XXXX regarding the account on my credit report, and was sent documentation verifying the account was a XXXX balance, and closed since XXXX 2016 by having been sold to XXXX. I had opened the XXXX account right before leaving to serve my mission for my grandmother to always have money for groceries and food ; the information on the account was stolen or changed as well - including my name and the address I had on the account. The initial dispute and investigation returned no changes and the account information was not updated, including the high balance and the open status. XXXX provided me with the information that was sent to each of the credit reporting agencies in XXXX and XXXX - clearly indicating that the account was sold and had a XXXX balance, and verified that it was never requested by TransUnion as part of the dispute. TransUnion did not properly request, update or use the information. My grandmother indicated she never used the account ; I have tried multiple times to obtain the statements from XXXX and XXXX to see where the balances came from and what they were - but since the accounts are both XXXX balance and now closed, it is n't vital. What is vital is an investigation into TransUnion 's dispute practices to discover why the initial dispute in XXXX did not result in the correct changes - updating the XXXX account from open to closed and the high balance to XXXX.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NY)

I received a copy of my most recent credit report and there is an inquiry from a company XXXX XXXX dated XX/XX/22. I did not initiate, request and/or conduct any business with this company.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: A.R.M. Solutions, Inc. (VA)

The debt collector identified as " A.R.M. Solutions Inc., located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX , violated multiple provisions of the Fair Debt Collection Practices Act, ( FDCPA ), 15 U.SC. Sections 1692 - 1692p. These violations are set forth below.

First, the debt collector failed to disclose in two ( initial ) XX/XX/2023 text messages that " ... the debt collector is collecting a debt and that any information obtained will be used for that purpose ... : See the attached screen shot of both text messages I received on XX/XX/2023. See Section 1692e ( 11 ) of the FDCPA.

Second, the debt collector failed to disclose it true name and/or full name in both text messages identified above. See Section 1692e ( 14 ) of the FDCPA. For example, the debt collector identified itself as " A.R.M. Debt Collector '' in the first text message, while the second text meesage identified the firm 's as " ARMS-Debt Collector. '' See the above-two text messages attached. Also, the debt collector was sanctioned by the California Department of Financial Protection and Innovation for this practice, which violated two California statutes ( e.g. Rosenthal Fair Debt Collection Practices Act and the Debt Collection Licensing Act, which incorporated all provisions of the FDCPA ). I filed a complaint against this debt collector to this state agency, which resulted in the debt collector being fined and subject to a Consent Order ( containing a Cease and Refrain Order within the Order ). See this state agency 's attached XX/XX/2023 Consent Order for this penalty regarding this unlawful XX/XX/2023 practice, which is signed by the agency 's deputy commissioner and the president/ceo of the debt collector. 

Third, the debt collector violated Section 1692g of FDCPA when it failed to provide me with the XX/XX/2023 letter ( describing my rights ) within five days after receiving the XX/XX/2023 text message. I received this XX/XX/2023 letter on XX/XX/2023, eight days after receiving the XX/XX/2023 text messages. See the debt collector 's XX/XX/2023 response letter regarding their inadequate reasons for violating the above Section of the FDCPA. Also, see the above state agency 's Consent Order, including the agency 's Proof of Service document, regarding the firm admitting that they mailed me the XX/XX/2023 letter on XX/XX/2023. 

Finally, the debt collector violated Sections 1692a ( 3 ), ( 4 ), ( 5 ), and ( b ) ; and 1692e ( 10 ) of the FDCPA, when the firm falsely stated in its XX/XX/2023 letter that I had more than thirty days ( e.g. respond by XX/XX/2023 ) to respond to this letter. See the XX/XX/2023 letter attached for this information.
Consumer complaint received 2023-09-06
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: AMERICAN EXPRESS COMPANY (MD)

I have 3 ongoing disputes with American Express. 
I slowed down spending on my AMEX card in order to keep better track of my account. Needless to say I was unpleasantly surprised when I realized despite spending around {$1300.00} on my most recent statement, my balance went up by almost {$6000.00}. 
I perused my recent statement and discovered : 1. A credit promised me in the amount of {$1600.00} is not reflected on my transaction. During the course of the dispute, it was charged and credited a few times. But it is missing my final credit. 
2. A charge I disputed in the amount of {$2200.00} was closed. I never received a letter stating this dispute was closed. I provided proof to AMEX but the airline claimed they offered me {$50.00} voucher to sit for 24 hours and I accepted and took the flight. As improbable as this sounds, AMEX not only believed but did not reach out to me for confirmation. I went in my Online PortaXXXX to look for a notice but did not see one pertaining to that particular dispute. I reached out to a representative in the chat and was provided a notice. Upon opening it, it did not correspond to this particular dispute. 
Aggravated, I reopened the dispute. The chat agent told me she had proof that the notice was emailed to me therefore my reopened dispute would not hold sway. 
I need a screenshot of their sent items with date and time stating this notice was sent to me iXXXX  of XXXX like they claim if they will not reopen my dispute. 
I am attaching the resolution letters even though they claimed it was sent the XXXX, as you can see only letter sent were in XXXX & XXXX.
Consumer complaint received 2023-11-29
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. (VA)

Equifax seems to think it can use the XXXX  program they run as a excuse to lower my score. They ignore years of on time payments, no hard inquires, the same XXXX credit cards, and using the same bank XXXX XXXX  XXXX XXXX ) for XXXX years. Equifax can't seem to figure out that I'm not disputing what's being reported to them, I'm disputing their interpretation of it. They are being rigid and unyielding, and they are unwilling to admit the algorithms they're using are faulty.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT AUTO LOAN HAD BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS AUTO LOAN UNDER MY NAME. THIS IS A FRAUDULENT AUTO LOAN. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK AND DELETE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPROT.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

This is a report to the Consumer Finance Bureau against Wells Fargo for closing my accounts they also closed my accounts and are participating in illegal buisness activities by notating things thats not true to keep me from having other accounts at other banks. I would like to know why Wells Fargo is participating in illegal buisness activities by notating things that are not true to keep me from having other accounts. I would like to know what falsified things Wells Fargo is reporting to other banks and demand that it be removed. This is also a discrimination complaint against Wells Fargo for not allowing me to reopen my accounts and its employees that participated in harassment and discrimination against me. I would like to request that Wells Fargo allow me to reopen accounts for myself for personal reasonings. I would like to know what Wells Fargo is reporting to other banks and if I would be able to reopen my accounts.
Consumer complaint received 2023-11-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (MO)

My son contacted me saying that he had a voicemail telling him that I had used his address for legal reasons and that sheriffs were going to come to his house looking for me. So I called the number that they left they answered the phone as " legal office '' and proceeded to let me know that I owed a debt to check and go from 2017 and there's being charged with bank fraud check fraud defrauding a banking facility etc and that I was going to go to XXXX  on XXXX XXXX if I did not pay this debt. I gave them my bank information instead of a payment plan, which I am getting ready to close that account now that I know that it was fraudulent.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One is reporting inaccurately erroneous information my consumer reports. All XXXX of Major Consumer Reporting Agencies. I know there's isn't a late payment on my behalf but, for some odd reason the late payments are reporting are inaccurately in each agency. 

XXXX has a 60 day late in the month of XXXX during XXXX. Makes no sense at all. It is a clear violation of Fair Credit Reporting Act. It's 100 % inaccurate information furnished on my behalf that damage my consumer credit.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (DC)

I recently received a new credit report for EXPERIAN. 

I found some inquiries that I don't recognize, and I would like for EXPERIAN to delete all those inquiries from my report.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One, Has not send me a payment back in the amonut of {$270.00} by a XXXX order that was incorrect. Instead capital one had plenty of proof from XXXX and myself for the item sent was incorrect. Capital One sent me an email to contact the seller and mention that the item was wrong. I reached out to the seller and I was blocked from there wats apps account. XXXX XXXX knew it was impossible for me to get this letter from the seller which I called them to let them know. They said that my dispute was not granted in my favor.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IN)

I was scammed due to their leak of information on or around XX/XX/XXXX. I lost a {$1000.00} in money orders, they state they never received. I'm told there is nothing they can do. On XX/XX/XXXX, I sent {$1300.00} in money orders, over night, to them. Trying to reach this service is unbearable. I have been put on hold every time I have called, up to an hour or longer. I called to make sure they received the next money orders and they stated they had not received them. I called again on XXXX XXXX, gave them all the tracking information to locate the money orders. On the same day, there was a man taking pictures of my home for them. When I tried to stop him, he just kept driving. I called again on XXXX XXXX. I was informed they had shredded the money orders because I didn't send enough money to them. I am now {$2800.00} behind due to negligence and their refusal to help me. They are a horrible company who claim to want to help but aren't. I cant be the only one this is happening to. A Mr. Cooper owns Rushmore Services and has was supposedly fined at one point. Someone PLEASE help me to get out from under the claws of this company.
Consumer complaint received 2023-11-29
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023 a multitude of unauthorized purchases appeared on my credit card my first reaction to this would be to file a dispute with the company and make sure they were removed immediately. I set a dispute for the amounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not hear from the company for about a month until today when they unexplainably added the amounts back onto my balance which understandably has me angry since the charges were made without my consent.