davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account # XXXX 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX and XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account. I attached the paid in full letter, payment history, and my Experian credit report in this complaint as well.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FM)

I have been in contact in the past with bank of america trying to resolve this identity theft issue that resulted in me owing them over {$500.00}. I have filed a police report, and have provided them with the information to contact the XXXX Police Department. However, after one year of trying, Bank of America refuses to delete this incident from my XXXX and early warning report. This fraudulent account that was opened due to identity theft has caused me nothing but turmoil and agony trying to open a bank account, self lender account, and credit card accounts. I am a XXXX XXXX XXXX who can't open a bank account to receive direct deposit from my PT job and I can not open a self lender account to help build my credit so that I can apply for a loan in the future. I can not even get approved for a subprime card, such as XXXX XXXX to help build my credit. Luckily I was approved by XXXX for an auto loan because they are unlike traditional banks. 

Bank of America replied in XX/XX/2018 with this statement : " When we closed the checking account ending in XXXX, the final balance was negative {$530.00}. Please contact our Recovery Services unit at XXXX Monday to Friday XXXX XXXX. to XXXX XXXX Eastern, to make payment arrangements for the outstanding amount owed. We have confirmed that as of the date of this letter, this account was accurately reported to XXXX  , XXXX and XXXX XXXX XXXX , XXXX.
Consumer complaint received 2018-09-03
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: WELLS FARGO & COMPANY (SC)

On XX/XX/2018 Wells Fargo dealer services state that I applied for a loan which I never did. There are hard inquiries on my credit reports with XXXX XXXX, XXXX and XXXX. I called Wells Fargo dealer services and they stated there were no accounts on file under my name and information and wouldn't take these hard inquiries off my credit reports.
Consumer complaint received 2018-09-03
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX opened two different accounts in my name so far. These Accounts are fraudulent and I did not authorize these accounts to be opened. They then continue to attempt every month to send these accounts with new numbers to Equifax, XXXX and XXXX. Both XXXX and XXXX have confirmed they will keep these accounts permanently blocked. I already notified XXXX several months ago that i am a victim of identity theft. My information was used to open an account at conns. My wallet was stolen and my Drivers license, Social Security card and even my email addresses were hacked. I have already notified local law enforcement of this information and have provided XXXX XXXX XXXX with my Identity Theft Affidavit from the FTC. XXXXXXXX XXXX XXXXXXXX XXXX continues to try and bill me for this fraudulent account and instead keeps reopening this fraudulent account with different account numbers so they can re apply it to my credit and damage my credit. I did not authorize this account. The account that made payments to it was from a " XXXX XXXX '' I am not related to XXXX XXXX and do not know a XXXX XXXX this account is fraudulent and I did not authorize it. Additionally the other accounts that Conns advised me made payments were also fraudulent and have been reported to the companies. XXXX XXXX has already been notified of my identity theft and they have marked the checking account as fraudulent. It has been closed and removed from my consumer report. Please do your proper due dilliegence when someone reports Identity theft to you. I have a right under the FCRA to notify the furnisher of the information that it is fraudulent. I am requesting you block this information and stop re applying it. I do not have your merchandise, I never lived at XXXX XXXX XXXX XXXX, TX XXXX and I never lived at XXXX XXXX XXXX XXXX, TX XXXX. My mail has been forwarded and just recently corrected. As stated this is my notice to you that i am a victim of identity theft. I do not have your merchandise, and I did not authorize any accounts to be opened with your company. I am providing a Identity theft affidavit attached. Please review and stop attempting to try and throw this back on my Equifax report. This is abuse to create new account numbers continuously and report 160 day late payments that I never even knew about nor ever received any bills because once again i never authorized this account. Please remove all my liability to this account it is fraudulent.
Consumer complaint received 2024-03-21
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. (VA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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. (GA)

I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then XXXX  120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( Transunions, XXXX and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I originally filed for a Care Credit card due to not having insurance and needing assistance with paying to have procedures done. I used the card a few times and was making my payments as usual. I then began to notice that my payments were not going down but instead going up. I had some items on there that were to pay before a certain time frame or the interest would apply from the time that the payment occurred. And then there were others that you just paid on as you went. The payments were not going on the ones that had the time frame even if they were at the top of the list but instead to the other ones. I tried to call and make payments over the phone. Either no one answered after being on hold for hours or I was told that they could not assist me. I kept making payments and now I have over {$2000.00} in interest. I have tried to call several times and ask to speak to a higher manager or someone in the HR department. I'm always told the same thing. Someone will call me or email be back and no one ever does. I try to follow up and its like I never made the fir4st call or there is no record of it. I am a single mom and my hours have been cut at my job so I only make {$300.00} a week. I have paid way more than what I should have and still have so much left in interest when if it would have been applied to the correct payments in the first place everything would be paid off by now. I am at a loss of what to do and they now been sending this to the credit agencies so my credit is declining fast.
Consumer complaint received 2018-09-03
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: Experian Information Solutions Inc. (NY)

I have sent in numerous letters to experian to try to resolve a situation. I have on my credit report XXXX XXXX account. I have sent in letters requesting an investigation into this matter I don't believe an actual investigation was done since they keep reporting inaccurate balance amount. I have also contacted XXXX XXXX I haven't either gotten proper documentation that what they are reporting is accurate. This is inaccurate data.
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I dismiss ownership of this debt. The creditor even went as for as sending a picture along with my academic records to a debt collector ( separate cause for action ) alleging a sum that I do not owe. Debt collector in turn has been trying to collect on said debt to the point where after I successfully had the account in question removed from my credit, Conserve immediately re-entered it on my credit in a duplicated form which logically means that an account will be showing up as six ( 6 ) collections across the 3 credit reference agencies. This bullying tactic is contrary to the law and shall not be left unchallenged. Conserve ought to delete these derogatory accounts as a matter of urgency and return this disputed account to the creditor for this matter to be resolved. 

The documents submitted are at best inaccurate and at worse, fraudulent.
Consumer complaint received 2024-03-21
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)

EXPERIAN : SHOWING XXXX INQUIRIES XXXX. XXXX ' I DID NOT AUTHORIZED XX/XX/year> I ALL READY OWN MY HOME. 
XXXX XXXX XXXX XXXX I DID NOT AUTHORIZED XX/XX/year> XXXX XXXX XXXX, I DIDN'T AUTHORIZED XX/XX/year> XXXX XXXX XXXX XXXX, I DIDN'T AUTHORIZED XX/XX/year> XXXX XXXX XXXX XXXX I DIDN'T AUTHORIZED XX/XX/year> I SHOULD ONLY HAVE. TOTAL OF INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

In XX/XX/2013, I was t-boned by a drunk driver and 2 weeks later I was rear-ended by a gentlemen who was texting his wife about a loaf of bread he had just bought. I had suffered many injuries and sustained a XXXX in my XXXX XXXX. The medical providers were told that they need to be contacted by my attorneys and that they were to not contact me due to a lawsuit in process. My attorney, XXXX XXXX, had settled with XXXX XXXX XXXX for {$2300.00}. I also have a copy of the check stub and letter that was sent to them. This debt has been paid off and the case has been settled. Please remove this from my credit report. I have sent them many letters, as well as the credit bureaus to remove this, but have not had any response. Again, this is very wrong of this collection agency to not remove this debt. I will be happy to provide copies of the check stub and letter stating what was settled amongst my attorney and the collection agency.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-12
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. (TN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-12
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. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21
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. (TX)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (NY)

Opened a savings account with M & T Bank for my daughter not long after she was born in XXXX. I was advised that because we have multiple checking accounts along with my business accounts with M & T Bank there would be no service fees associated with this account. We have received fees every month since the inception of the account and all of the money is now gone. I went into a location in XXXX  and they advised me that I was correct and should not be receiving fees. They credited the account for the past 90 days of fees and said the fees should stop effective immediately. We are still receiving fees on the account every month.
Consumer complaint received 2023-11-17
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. (DC)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 convictions 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 2023-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX account # XXXX, XXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (TX)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHILD SU 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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not 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 any purpose.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (GA)

In XXXX of XXXX, I contacted Aidvantage to see what I had to do to resume my payments. When it was XXXX, I had to temporarily halt my payments. I tried to resume, and Aidvantage ( over the phone ) told me to wait until XXXX. I called in XXXX and asked what the payment amount would be, and they said they were waiting for government information. In XXXX, I obtained a job at a {$6.00} per hour pay cut, and requested a look at my repayment plan based on my changed income. I applied twice on line - I kept getting texts that my payments would be nearly {$200.00} a month, which I can't afford at this time. I called in late XXXX and was told it would be {$99.00} a month. This week, I received a text that my payment of nearly {$200.00} was due XX/XX/XXXX. I again applied for an evaluation based on pay, with no response. I tried calling today ( XX/XX/XXXX ), and reached a message saying their office was temporarily closed and no date of reopening was available at this time. I also tried to schedule a callback on their website, and all of their dates and times are blacked out. The dept of Ed had no knowledge of this and could not tell me what I could do. I will be officially defaulted on XX/XX/XXXX. I do not feel comfortable sending a company money that I can not contact.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.