davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX To Whom it May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified.According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15r U.S.C 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any completely deleted. The Following derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECTLY INCOMPLETE, UNTIMELY, NOT MINE NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT regulatory federal reporting laws and or standards and must be removed immediately the the infractions are as follows : Alleging creditor and account as is reported as having a late payment on my credit report, Aldous & Associates I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and perthe standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the requested proof.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. XXXX and remove them.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a wire transfer from my account at XXXX XXXX to Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX Routing number XXXX Unfortunately, somehow the account number was trancated in electronic record, missing one last digit. The funds were disbursed, then returned back to my account, citing the wrong account. 

But not all funds have been returned. Bank of America subtracted {$45.00}, without explanation or notification. For what? The funds were NOT delivered, so it simply does not make sense. They provided NO service! 

It is outrageous that Bank of America can just arbitrarily take out any sum of money from the funds in another financial institution, without the owner 's approval or even notification. If this is not highway robbery, then what it? 

Shame on Bank of America.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

I did not give my permission to report this on credit report. 

I have reviewed my consumer report and there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. All required fields of my FTC are complete.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.
Consumer complaint received 2024-01-18
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. (NY)

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX has reported on my credit that I am the authorized user of a card. The card belongs to my wife, and she has emphatically declared that she did not add me as an authorized user. I contacted XXXX to inquire about the card and explained that at no time did my wife request to add me as an authorized user. I requested the recording of her request and any digital copies of her request to which I was denied. I requested to be removed as I gave no authorization to be added to this card but was again denied. I was instructed to speak with my wife and have her request that I be removed. I spoke with her again in length, to which she again, strongly denied and has no explanation as to why I would have been added as an authorized user. Like me, she is perturbed by XXXX 's actions.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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
Consumer complaint received 2024-01-18
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. (NV)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database
Consumer complaint received 2023-09-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

Having made payments after XX/XX/XXXX ( totalling {$16000.00} ) I have requested a refund of the total amount. ( I will be getting the full amount forgiven because I received Pell grants. ) My account was with XXXX XXXX XXXX, but last year they moved my account to ED Financial, which I just found out when I attempted to receive my refund. 

Because I paid off my loans at the end of XXXX, they " closed '' my account ( but still have my info on file ) .Therefore, I have no access to an account. 

I requested a refund over the phone with ED Financial a few weeks ago. The Customer service rep said they put in a refund request, but gave no indication on when I will receive it or how I will be notified when my account reopens. I am afraid that I will not get the refund soon, if even at all. The whole experience seemed shady and the rep was clueless, could not even find my account for about 10 minutes. 

I need the refund ASAP so I can submit a forgiveness application as soon as it opens so my loans are forgiven before the interest-free period ends on XX/XX/XXXX. 

Please help me get my full refund back from ED Financial ASAP! Thank you!
Consumer complaint received 2024-01-18
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. (MI)

XXXX XXXX has XXXX names on my file. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. The account on XXXX. & equifax just got 60 90 120 days & date closed wrong & last active & last payment no good payment history its hurting my score & re opening accounts are illegal & XXXXXXXX XXXX is showing i have no late payments but i have 90 & 60 days late different bureaus & account type doesnt show for one bureau dates last active are wrong. Please delete these accounts i dont want any problems with this please
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NC)

I applied for a mortgage, and my phone is ringing non stop. Ive had 22 calls so far. Ive had this problem with Experian b4, and opted out, and told them not to sell my info, although I shouldn't have to do that. It should be an assumption that consumers don't want unsolicited calls and we should state we do to get those, not chase this down. It's Experian that keeps doing it and they deliberately won't answer calls. Who can I speak to about a class action suit? And putting a stop to this. I plan to sue.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Tesla, Inc. (TX)

Introduction This complaint details violations of my credit card authorization and misleading information provided by Tesla regarding their " unlimited charging '' feature. 

Background In XX/XX/XXXX, I pre-ordered a Tesla vehicle with a package advertised as including " unlimited charging '' and " unlimited connectivity ''.

The pre-order included a credit card deposit. 

Issues Unauthorized Charge : On XX/XX/XXXX, I incurred a {$0.00} charge at a destination charger in XXXX XXXX, Colorado, despite the charger being marked " free. '' My credit card company cites Tesla 's prior authorization for the charge, which I believe is a violation because : * There were no signs indicating potential fees at the charger.

* The car 's displays lacked any notification before charging began.

* The Tesla app only notified me after I was connected ( on Wi-Fi ), making it impossible to avoid the charge.

* The broad authorization for " unlimited charging '' does not constitute consent for unexpected charges, especially from unidentified third parties.

Misleading Information - " Unlimited Charging '' : The " unlimited charging '' feature is misleading if it allows Tesla to authorize charges at stations not explicitly identified as paid. Tesla 's advertising and sales process should clearly disclose any limitations on charging access and potential third-party fees to avoid deceptive practices. Additionally, I paid a premium for this product from Tesla with the understanding that I was pre paying in full and upfront for charging.

Limited Control and Transparency in Charging : Similar to how gas stations display fuel prices per gallon, Tesla and third-party chargers should clearly communicate.
Consumer complaint received 2024-07-22
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. (MD)

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXXl {$0.00} XXXX Update to never late XXXXXXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX XXXX XXXX Remove XXXX XXXX XXXXRemove Inquiry XXXX XXXXRemove Inquiry XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXX XXXX Remove Inquiry
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

AidVantage is charging interest on student loans despite the SAVE program 's terms.

When queried, they provided in a separate communication that {$170.00} of interest was removed for the month of XXXX. 

However, this is not reflected on any statement, any online " recent transactions '' ledger or anywhere. My accounting provides that more than {$170.00} was charged, but I can not reconcile this number, as their statements provide no accounting for accrued interest and removed interest ; yet, my balance continues to climb every 2 days. 

AidVantage has a requirement to provide clear and accurate statements, which they are not doing. I am separately pursuing criminal charges against AidVantage for willful fraud due to this lack of transparency. This balance is over $ XXXX and I will not be defrauded by a company that refuses to demonstrate their charges. You guys need to do something about these companies.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I asked the bureaus to update my address but they dont ever do it. 

I need these addresses removed immediately as information attached to creditor reports of other people with similar names and addresses keeps being reported to mine. 

XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX I only live here : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  Account # : XXXX ( UNVERIFIED ) XXXX XXXX XXXX Account # : XXXX ( UNVERIFIED )
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-11-22
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-12
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX