davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-24
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. (TX)

XXXX XXXX XX/XX/2023 Clarity Services Inc XXXX XXXX XXXX XXXX FL XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Clarity Services Inc, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on behalf of XXXX XXXX on XX/XX/2023 XXXX from several different companies as shown from attachments. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]
Consumer complaint received 2023-10-29
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. (TX)

I, XXXX XXXX, sent a dispute letter to both credit bureaus and the creditor of the account in question a few months ago. The company failed to send a 1099 c form which led to XXXX and XXXX removing the account. Equifax is still reporting this inaccurate information which is detrimental to the rating of my credit score. This is a violation of the FCRA and I am requesting the removal of the following paid accounts. Please see the dispute letters which are dated and time stamped.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT XXXX  IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE
Consumer complaint received 2023-09-21
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. (AZ)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to express my extreme dissatisfaction and frustration regarding the lack of cooperation from Bank of America in validating the debt associated with the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Despite my repeated attempts and evidence provided, demonstrating the invalidity of this debt, and proceeding to investigate the charge as an abuse, Bank of America has ignored me and provided inaccurate information to the credit bureaus. 

I stayed at the XXXX XXXX XXXX XXXX in XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and I paid with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX belonging to Bank of America. During my check-in, the reservations manager " XXXX XXXX '', ( see attached business card of XXXX XXXX, marked XXXX XXXX XXXX  XXXX ), agreed to remove and waive the daily hotel rate of {$52.00} because ( i ) it was not adequately described in my hotel reservation as required by Nevada 's Deceptive Trade Practices Law NRS598.0915, and ( ii ) I was not interested in receiving any hotel amenities. In fact, I did not receive any. 

Once again, the information about the hotel fee waiver was confirmed during my check-up process on XX/XX/2023, by the person in charge of the check-up process who gave me the departure receipt, to be signed. The copy of the receipt attached to this complaint clearly shows the non-existence of any resort fee. Please see the attached document, marked as evidence, ( XXXX XXXX XXXX  '' ). 

After several days, I realized that Bank of America charged me {$150.00} for the hotel resort fee ( {$52.00} for 3 days ), I immediately opened a dispute with Bank of America and sent them copies of the documents to support my claim. Bank of America initially proceeded to remove the charge ; however, these charges were later reinstated to my account with the following bank 's allegation : " Purchased items were not properly returned to the merchant, a credit receipt was not received, or the credit receipt was not " does not provide us with enough information to confirm that the merchant should have provided credit. '' Undoubtedly, Bank of America treated me unfairly and acted in bad faith by not adequately reviewing my allegations as a cardholder. Bank of America not only proceeded to charge me for resort fee charges that the hotel promised to eliminate ; for amenities that I never received, but also for resort fees that were not included on the check-up receipt.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Consumer complaint received 2023-12-04
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. (KY)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX 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 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

Nelnet claims to offer updates via email every ten days. I have submitted my documentation almost a month ago. No update available online or from the servicer. To reach someone, call wait time exceeds one hour. I have no recourse.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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: JPMORGAN CHASE & CO. (NY)

CLAIM ID : XXXX Account Ending in XXXX I would like to request for my dispute with ID XXXX to be reopened and for my account to be credited with the amount of {$1300.00} as I confirm that I have returned the jacket following all the instructions provided by the merchant, and to prove that point, I'm sending attached the following documents : XXXX. XXXX Tracking Label originally provided by the merchant with Tracking Number XXXX where you can see the tracking updates showing the timeline since I dropped off my return to it being received by the merchant 2. Merchant original confirmation stating that they have received my return 3. Ongoing email conversation with merchant where they failed to address their ability to locate the return delivered to their warehouse 4. XXXX XXXX XXXX complaint related to this case In the observance of the above documentation, I think it becomes pretty clear that I followed to the letter all the instructions provided by the merchant, and if the merchant claims that they have not received the returned merchandise, that's their fault, not mine. 

Attentively,
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

on XX/XX/XXXX at XXXX while i was eating at a restaurant there were 5 transactions from a website by the name of XXXX totaling the amount of {$960.00}. I have used this site in the past for 1 transaction but after that never again. I have contacted chime support over and over with disputes and rebuttals with no help from them. I have submitted transaction proof that i was at a restaurant when these transactions took place along with conversations from the merchant stating that my account was banned due to suspicious activity. Please I just want my money back I have been without almost {$1000.00} for a month. Please help thank you
Consumer complaint received 2024-03-27
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023
Consumer complaint received 2024-03-27
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (CA)

A {$50000.00} credit line was taken out from XXXX XXXX  in the name of XXXX XXXX XXXX and used my name as the 100 % owner of the company. I have never had any affiliation with this company or XXXX XXXX. The first I was aware of this was after a default judgement was entered against me. I went to court on XXXX for a motion to vacate renewal was not successful. 

I wrote a letter to the bank and also asked the collection agency ( States Recovery Systems ) to supply me with the original loan documents to no avail. 

The information on the loan application submitted by XXXX XXXX XXXX is fictitious and not associated with me in any way. 

There is no supporting documentation for the loan : No copy of my valid driver 's license No business and/or financial documentation associated with me in any way No copy of bank/liquidity account statement associated with me in any way No tax return information associated with me in any way No articles of Incorporation for XXXX & XXXX XXXX filed with the Secretary of State, which bear my name The signature on the loan is not mine and never lived in XXXX XXXX. 

It is also alarming that the bank officer on the loan application has the same last name of the treasurer of XXXX XXXX XXXX.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-04-18
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 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NC)

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 Section 2 : It also states a consumer reporting agency canno 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 and purpose.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (GA)

On XX/XX/XXXX at XXXX XXXX  I requested that my online account information be updated to reflect payment received on XX/XX/XXXX in the amount of {$1500.00}. Please see the attached verification from XXXX  XXXX XXXX that the transaction was completed on XX/XX/XXXX. Funds in the amount of {$1500.00} were transferred to Freedom Mortgage on XX/XX/XXXX. 

In addition please see verification from XXXX  XXXX XXXX of payment transaction in the amount of {$210.00} to be completed at XXXX on XX/XX/XXXX to satisfy the outstanding balance created by an increased escrow amount. 

It has been 15 days since Freedom Mortgage company has been in possession of {$1500.00} which was identified in the electronic transaction as payment on account XXXX. Failure to update their records to reflect an outstanding balance of less than {$200.00} dollars appears to be an intentional effort on to create a default on my loan. 

When searching for a means to contact the company electronically to provide evidence of payment I located the email customercare XXXX XXXX. Emails sent to that address were returned with a message indicating unauthorized to send to this address. Information available when speaking to a representative reflects that a payment has not been received in XXXX although the company received payment of {$1500.00}. Another payment in the amount on {$200.00} has been scheduled to be electronically transferred within less than XXXX hours. 

The company is creating a situation wherein their records reflect that I have not made any payments since XXXX and I am potentially at risk of having defaulted on my loan. Once that process has begun I will be charged late fees and experience difficulties in satisfying my financial responsibility to the company.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (IN)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (MD)

This is an account which Ive had for over 20 years Ive always had it on auto pay hence why there should be no late payments on this account however it shows XXXX XXXX days late. Even though the account has been closed now Ive contacted the company on numerous occasions to get this record corrected but they have refused. Ive also requested an accounting of my payments from the day my account was opened so I can verify that I have never been late. 

Also under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit account as late.
Consumer complaint received 2023-11-08
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. (KY)

This statement is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).