davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Request for Deletion of Remark from Credit Report Due to Non-Compliance I am writing in follow-up to my previous request where I asked for validation of a debt you claim I owe, specifically requesting a copy of the original contract or agreement signed by me. As of today, I have not received the requested documentation that validates your claim. 

The accounts are as follows : XXXX XXXX for {$3000.00}, XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$990.00} In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I requested proof of the debt and my agreement with the original creditor. The FDCPA stipulates that debt collectors must provide debt validation upon a consumer 's request. Since I have not received satisfactory validation of this debt, including the absence of a signed contract, this casts doubt on the legitimacy of your claim and your authority to collect this debt. 

Moreover, the FCRA mandates accurate reporting of credit information. Reporting a debt that can not be validated is in violation of these standards. As such, I am formally requesting the immediate deletion of this remark from my credit report with all three major credit bureaus : XXXX, Equifax, and XXXX. 

If you fail to comply with this request and continue to report this unvalidated debt, it would be considered a violation of the FCRA, and I will take appropriate steps, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to protect my rights. 

Please provide written confirmation of the deletion of this entry from my credit reports within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please feel free to contact me at [ Your Phone Number or Email ]. 

Sincerely,
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXXXXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-25
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'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (MN)

Continental Finance reported that my payment was 30 days late during an investigation into payments not going through. I shut off autopay and paid it direct and still the payment did not go though for the XXXX XXXX I do the same process to pay the XXXX XXXX and don't have any issues with the payments being made. Their claim is the money isn't there, when in fact it is and still is from the most recent payment attempt. Both the XXXX XXXX and the XXXX XXXX were paid on XX/XX/XXXX. Both showed paid on the XXXX of XXXX. XX/XX/XXXX the XXXX XXXX showed it was late, then it showed there was yet another returned payment. This is the 5th time it has happened. This is a bad business practice that other credit card companies have gotten in trouble for. There claim is that it takes 3 days to clear the payment, which is not true. In some cases it can, but typically those are only on new payment methods. When the same payment method is used it is within 24 hrs. They also increased the amount owed for a single payment on the app from {$50.00} to {$170.00}. It seems rather no matter how I try to make a payment, they won't accept it. Then they report that it's late 30 days to the credit reporting agencies while it's being investigated and make things worse yet.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

XX/XX/23 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT For several months now I have requested that Nelnet directly report to XXXX that my loans are paid and closed out forever. XXXX continues to report incorrectly, that the balances are unpaid and due in the future.
Consumer complaint received 2023-10-25
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. (NJ)

In accordance with the fair credit act 15 u.s.c section 602A states I have a right to privacy. 

Down below are inquires that are posted on my credit report that I do not have knowledge of. 

COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Several inquiries pop on my credit report that I didnt do it was fraud identity thieft XXXX XXXX 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 2023-04-20
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

Double charges XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX charged XX/XX/XXXX completed payment XX/XX/XXXX canceled payment ( not by us ) XX/XX/XXXX completed payment for XX/XX/XXXX XX/XX/XXXX canceled payment ( not by us ) XX/XX/XXXX completed payment We've explained that we can provide bank statements showing the money taken out to which we were told they have recorded conversations of my husband or myself calling in to cancel the payment. When we asked them to provided that ( it isn't true ) they began talking over us and saying it was our banks fault.
Consumer complaint received 2023-10-25
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: Mercedes Benz Financial Services (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : MB FIN SVCS XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (OK)

I have not been able to access billing for my Pay Pal account with XXXX XXXX. I received a paper bill on my account yesterday. 

I attempted to sign in on internet and it says we are not able to confirm it is you. 

I almost fell over when I saw the balance was up to {$240.00}. So I called the number on the billing. I asked for the amounts charged and found three transactions totaling approximately {$50.00} at best. 

I asked for the fees to be removed and they went thru the approval system too get one for {$41.00} removed at that time I then asked for the customer service representative or a phone number to contact them. I was told they didnt have access to that. She stated I would have to call the bank So again I asked for contact information and she was not able to provide it. 

I told her that I believed these fees had been limited by a recent law. She then said I am not able to access that information. 

She then asked me for payment in full and I offered a {$50.00} payment. She accepted and it was processed. 

She then said if I paid the balance by XX/XX/XXXX there would not be any fees added. 

I told her I would be contacting consumer credit and will find out if this is a legal practice. To charge four times the balance in late fees. Then would make the payments if found to be wrong. 

{$41.00} dollars monthly on a {$50.00} charge for five months is absolute consumer XXXX. Please advise.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (MO)

This is my XXXX 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 items 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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items 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 XXXX XXXX
Consumer complaint received 2023-10-25
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. (SC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-25
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. (IL)

Several inquiries pop on my credit report that I didnt do it was fraud identity thieft XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (NY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ), XXXX XXXX XXXX # XXXX ) ; XXXX XXXX XXXX  # XXXX XXXX XXXX BANK XXXX XXXX ). 
15 U.S.C 1681 Section 602A. States I have a right to privacy 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 conviction 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.
Consumer complaint received 2023-04-20
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. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX*Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} ; 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 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

My mortgage company took two payments of {$3900.00} out of my checking account on XXXX XXXX. 
Which put my account in negative status. 
Then on XXXX th my mortgage company XXXX sent both payments back to my account that should have put my account into a positive status of {$3900.00}. That did not happen. The money just disappeared and Wells Fargo gave me the run around as to where my money went. My money was never recovered, my questions never answered and no one could explain why.
Consumer complaint received 2023-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
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: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX while in XXXX, XXXX, my family and I rode in a XXXX as a taxi ride. When we arrived, I was told that the fare was XXXX euros. The driver took my card, tapped it, and stated it didnt work. He showed me a failed screen and asked for another card. I did not have another one, and thus he argued with me but took cash from me and drove away quickly and angrily. I was not provided any receipt. I then logged into my Chase credit card account to see why it was declined. Thats when I saw a charge of {$3200.00}. I immediately called chase to alert them of the fraudulent charge and they did a chargeback. After about a month, they recharged me saying the merchant provided proof of the purchase. I re-disputed the claim to no avail because I do not have a receipt to prove I was incorrectly charged, as there is no way for me to get that receipt. A charge of {$3200.00} is extremely out of character based on my buying history while I was abroad, and they did not think it was suspicious for a {$3200.00} taxi ride and prevent it from going through. Chase bank is extremely dangerous to consumers if something happens to them and I strongly advise everyone to stay away from them at all costs. This is after having my card account hacked 3 times previously and then actually sending new cards out to unauthorized users.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (AL)

Reached out to equifax to let them know ive had several unauthorized inquiries im just finding out about due to ordering my reports to check for inaccuracies. Equifax has yet addressed this issue to have these inquiries removed.