davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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. (KS)

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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-08
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. (KS)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-08
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (GA)

I purchase some furniture from a furniture store under Acima finance company but the charges are outrages. The first delivery of the furniture broke while the delivery people put it together. If you call and miss a payment you have to make up an additional payment. Its the over charged that is not right for consumers at all From XXXX XXXX XX/XX/2024 on monthly payments. I have been charged XXXX a month and additional XXXX with over XXXX a month with additional charges on make up payments
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 2024-04-03
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. (IL)

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate. 
Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency. 
Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information. 

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt. 

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting XXXX. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the XXXX.
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I send money yo XXXX to my self and i never got the money but the bank say that i collect the money when is not true i use a company name worldremilty to send the money and the bank where i was send the money say that i collect the money but is not true because they say the money was collet at XXXX XXXX of XX/XX/2023 when is not true because the transantion was a XXXX is note posible because at that time the transantion it was not made yet that proof that the receit is not real. With these i give the right to consumerfinance to do what they need to do to get my money back thank XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had a fraud issue where someone stole my information and gained access to my account. 
This all happened XX/XX/2023 as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. 
I fast forward to XX/XX/2023 my account was locked I could not log into my online banking I call I'm told my account is being closed and I would receive a cashiers check I ask questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me.

I then decide to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity can be confirmed. 
I speak with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. 
I left for a second I came back because I needed to speak with a banker about my situation the same instance happens I speak briefly with a banker for the second time still the banker does not ask my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. 
I went to the branch because it is the closet branch to where I live I usually go to the branch that is a town over from me. 
After leaving I then call the risk and closure department and ask if I could pick up the cashiers check in person I was told no it has to be mailed and it will take 10 days. 
The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their Id and social to verify their identity and then issue the check once identity has been confirmed in person. 
What Bank Of America is doing is not combating fraud but contributing to it.
Consumer complaint received 2024-04-03
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)

Hello there were multiple accounts opened on my behalf that are not mine including XXXX XXXX for {$2700.00} XX/XX/XXXX XXXX XXXX for {$5500.00} XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX in addition these are incorrect inquiries that have appeared 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-08
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. (WI)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PLAZA HOME MORTGAGE, INC. (TX)

I applied for the purchase of a house for XXXX. At the time it was the best offer, so I qualified for the loan and got it. After the appraisal the loan officer found out it was worth a lot more money XXXX over and sent XXXX other inspectors. At this time I had already payed for my own inspector and he told me everything was in good shape and everything it needed was cosmetic. One of the inspectors he sent supposedly found mold under the kitchen sink and that that would cost $ XXXX to fix. The red flag was this inspector was also his contractor that would fix all the problems. Then the contractor offered to fix the mold problem on the weekend for $ XXXX. They found out that contractor didnt have a license so we had to get another contractor with a lot of qualifications and he sent another contractor charging exactly the same thing for the mold cleanup. All the cleaning it needs is bleach and kills paint. Total I had to pay extra at closing was $ XXXX for painting the outside trim paint the inside of the house replace the cabinets and a ten by ten pice of flooring. I had a quote from a contractor to do all that for $ XXXX. This contractor didnt meet all the credentials the bank was asking. I was also charged for a final inspection which didnt pass because the previous owners had left a mess and pictures and frames on the wall. I didnt have a key and the house wasnt mine yet to clean it. The loan took over three months to close and the interest went from seven to eight the loan officer added $ XXXX to my loan to keep it at seven.
Consumer complaint received 2024-04-03
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. (CA)

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX 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 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received a text notification on XX/XX/24 about the finishing steps to a new Chime account. I never opened a Chime account nor knew what it was. Upon research, I contacted Chime customer service and after being connected with the fraud department they closed the account. However, whoever opened the account in my name had my social security number, phone number, and current address ( which is not connected to my personal banking accounts or driver 's license ). 

What would be the benefit of opening a bank account in my name and sending the debit card to me? That is what is most confusing and concerning.
Consumer complaint received 2024-04-03
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. (NV)

i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and i had my first child this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vanguard Financial Services, Inc. (KY)

I received multiple phone calls and one voicemail message at the end of XX/XX/XXXX from a " company '' called Vanguard Financial Services saying that I had an unpaid medical balance from a doctor 's appointment in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX office in XXXX, West Virginia. When Vanguard Financial Services is searched on XXXX it says they are based out of XXXX, West Virginia ( with a phone number of XXXX ). 

I did go to see a primary care physician at XXXX XXXX XXXX XXXX XXXX in XXXX so I thought the phone call was legitimate but felt uneasy about giving Vanguard Financial Services my debit card information. After giving Vanguard Financial Services my debit card information I contacted the XXXX XXXX XXXX XXXX XXXX billing department via telephone. They confirmed that I did not owe them any money from my doctor 's appointments. Thankfully, I also contacted my bank, XXXXXXXX XXXX, and told them the situation, and they deactivated my debit card before Vanguard Financial Services could charge my card the amount they said was needed to clear the fake balance. This was a fraud attempt by Vanguard Financial Services and it resulted in me having to get a new debit card issued from XXXXXXXX XXXX
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Collection Bureau Inc. (FL)

XXXX had a contract with me and a ruling was if a move a particular radius of miles away, i can cancel the membership. I have moved from XXXX to XXXX and provided sufficient proof of move by sending them documentation of my new address, they still attempted to collect the money first because they wanted me to pay more months that i did n't owe after closing the account and later they told me they did n't get the proof and when i provided them with documentation that i did, they changed their argument to my proof of address was submitted to late. A year later i had contacted them again and they had come up with not ~ {$300.00} anymore but ~ {$2300.00}. I do n't believe i even owe them the first amount because the contact was set that if i move, i can cancel the membership and i did everything accordingly.
Consumer complaint received 2024-04-03
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. (OH)

Experian XX/XX/XXXX **Current XXXX XXXX XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a LLC which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only XXXX things that continues to hurt like SEVERELY HURT MY SCORE! XXXX asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **XXXX** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXXXXXX XXXX XXXX Balance {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an LLC and these illegal items are hurting me. I signed up for credit strong and kifoff, but I have to UNFREEZE MY REPORT so positive information can be added but I need these XXXX illegal items removed. 

XX/XX/XXXX Please remove these illegal items off my report. I have no clue why this process has taken so long. This is ridiculous and unfair. As you can see my score has beyond trending in the right direction. The above mentioned items please remove off my report!!
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americas Car-Mart, Inc. (TX)

I have asked several times for my mothers number to be removed, and I have given my new number : they repeatedly call my mother who is not on the loan. The phone number was never given to them they obtained the number from caller id. My work hours do not work with their operating hours, and they say you can text but refuse to utilize the text service or email. 

I have asked more than 3 times to remove my mothers number, once in person and twice over the phone and now twice through text. they call my mother every single day at least 3 times a day. 

This is harassment.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (AR)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715, 719, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-02-04
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: AMERICAN HONDA FINANCE CORP (TX)

I have noticed auto loans that I didnt even know about and also unauthorized stuffs that I never knew about. XXXX XXXX XXXX  so im always working. I never give permission to those people to run my credit
Consumer complaint received 2024-04-03
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. (VA)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX