davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
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: BCA Financial Services, Inc. (FL)

I would like to request for experience to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from BCA Financial. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. BCA FINANCIAL SERVICES, It Ian illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
Consumer complaint received 2023-11-22
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Activity on Credit Report Pursuant to 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to dispute fraudulent activity on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently pulled my credit report as part of the process of purchasing a house and discovered discrepancies that require your urgent attention. 
The following discrepancies involve accounts that were not verified, and I am seeking your assistance in having these inaccuracies rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not verified, and I believe they are the result of fraudulent activity. I have attached documentation supporting my claim, and I request your immediate investigation into this matter. According to 15 U.S.C. 1681, I am entitled to accurate and verifiable information on my credit report, and any discrepancies or fraudulent entries must be promptly addressed. 
I kindly request that the aforementioned companies be removed from my credit report following a thorough investigation. This dispute is crucial for my ability to secure a mortgage for the purchase of a home, and I trust that you will treat this matter with the urgency it requires. 
Please inform me of any further steps I need to take or provide any additional information necessary to facilitate the resolution of this dispute. I appreciate your attention to this matter and look forward to a prompt resolution. 
Thank you,
Consumer complaint received 2023-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

Experian continues to disregard my requests and also disputes. I called and spoke with several agents until i got to the fruad department and she said her name was XXXX and that was it. I asked for her employee number or ID but she declined but then spoke about that they will not put in another dispute or remove none of the XXXX XXXX Accounts that are reporting on my credit file as charge offs and sold to another debt collector. When i spoke about my consumer right and they information what is reporting inaccurate she then spoke and still said that whatever i disputed and came back verified that is accurate an what the creditors said but im like thats hearsay and I sent document asking for proof of verifation methods but they ignored my letters but say my account or verified
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my multiple 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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. (TX)

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 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$990.00} XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year>
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my other request that 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 items 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (NC)

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that 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 am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XXXX, XXXX XXXX - XX/XX/XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.
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: EQUIFAX, INC. (TX)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, 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 items ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MA)

I have received a total of  XXXX  calls from an " unknown '' since Thursday,  XXXX / XXXX / XXXX . Last being at  XXXX  pm on  XX/XX/17    where I asked and was finally informed of the caller being from Synchrony Bank. I asked if they had called the prior  XXXX  times and was told yes by the caller. I was also told that I was  XXXX   ( 1 )  month late in my credit card payment. I told the caller that any/all future communication should be only be through the mail. I found the calls harassing as when I answered, the caller would just hang up and not leave a message. This practice of debt collection is outragious and a form of harassment.
Consumer complaint received 2024-03-15
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (HI)

Dear PayPal Support Team, I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, linked to the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, I have consistently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to substantiate my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My case was closed today after the company provided a response. When I read the response I wanted to offer feedback but the option was not allowed to open as the link stated file not found and the case was closed. Case number was  XXXX  against Bank of America who is charging late fees. In their response they stated the payments were automatically refunded, but this is not true as I had to call and was told by their staff I had to call to have them refunded. Overall I am not satisfied with their response and the overall length in time it took to respond if the response was that simple. There is no language to suggest that they will change their language as I had requested in my complaint.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I checked XXXX XXXX this morning and it shows that my score went down XXXX POINTS - the reasons why : " Collection Removed '' and " First Premier Balance Decreased. '' THESE ARE POSITIVE OCCURRENCES. I CALLED EQUIFAX AND THEIR FOREIGN CALL CENTER ADVISED I CALL A CREDIT COUNSELOR TO FIND OUT WHY MY SCORE DECREASED XXXX POINTS. 

THIS MUST BE CORRECTED IMMEDIATELY. MY SCORE SHOULD BE IN THE HIGH XXXX IF NOT XXXX!!! FOR SOME REASON THESE BUREAUS WANT TO KEEP CONSUMERS CREDIT SCORES LOW TO CAUSE HIGHER INTEREST RATES. IT'S A WIN-WIN SYSTEM FOR THE CREDIT SYSTEM AND A NOTHING BUT BS SYSTEM FOR THE CONSUMERS. 

I SUGGEST A CLASS ACTION LAWSUIT BE BROUGHT ON TO DESTROY THE STRUCTURE OF THE CURRENT CREDIT BUREAUS AND CREATE THEM WITH INTEGRITY AND CONSUMER PROTECTION IN MIND AND NOT CONSUMER DEFAMATION OF CHARACTER BY CREDIT SCORE. MANY PEOPLE HAVE THIS ISSUE WITH THEM, NOT JUST ME. 

I WANT THIS CORRECTED ON MY REPORTS IMMEDIATELY AND FEEL THAT ANYONE THAT EXPERIENCES THIS NONSENSE BE ISSUED AN APOLOGY LETTER ALONG WITH FINANCIAL COMPENSATION FOR THE WASTE OF TIME AND MONEY THAT THESE BUREAUS CAUSE OUR LIVES. 

THE SYSTEM IS RIGGED AND MUST CHANGE.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

Goodleap was the financing partner of the solar company we chose to provide and install our solar panels ( through XXXX and XXXX ). While we were surprised at the high installation cost vs. product cost, we decided to proceed as we could see the overall benefits of having solar energy collection. Our interest rate was 1.99 % over a 25 year term, which we found favorable. After 10 months of {$230.00} per month payments, I checked on the website to see what our new principal amount was, as I wanted to consider paying off my debt. I was shocked to see that the principal reduced only {$1000.00}, after submitting {$2300.00} in payments. I reached out via email, and was provided an answer that my rate is distributed daily, equalling {$4.00} per day. Basically what they are doing is front loading the interest, which decreases according to the remaining principal. So out of a {$230.00} payment, less than half was being applied to my principal! This was never disclosed to me, as they provide a sum for the total interest paid over the loan as well as the rate and payment, but no disclosures regarding how it is amortized. 
I can see why there are so many complaints here, as well as across the internet, about Goodleap 's shady practices. My only hope is to find the means to pay them off and warn everyone I know about them. Being a XXXX with a far reach, I hope to avert this same situation to occur for others.
Consumer complaint received 2023-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NV)

I received a notice on   XXXX   XXXX   from  Citi Cards  indicating that I have a balance on my  Macys Citibank account  in the amount of {$210.00}. I want to dispute this amount for the following reasons : A. The amount of my original purchase was only {$27.00} and the remaining balance of {$180.00} represents late fee charges and interest.    B. I ne ver received a billing statement because the wrong address was entered by your sales person at the time I established the account. Both  the street addr ess and the town were incorrect.   C. According to   the Citi Card representative the billing statements were returned to you marked incorrect address.
D. No one from Macys every con  tacted me either by email or phone to let me know of a problem.     I am only willin g to pay Macys the amount of my original purchase. I contacted the Citi Card number to arrange payment and they indicated they could not make a credit adjustment for the {$180.00}. They were very unhelpful and also when I called Macys  dispute department I continually was redirected by Robo-phone to your Customer service department who told me they were not authorized to make an adjustment.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

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

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?