davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My total student loan balance with XXXX is {$69000.00}. This total amount is comprised of two loans : one loan is {$13000.00}, and one loan is {$55000.00} at the time of this complaint. My XXXX  credit report is correct, my XXXX credit report is correct. My Experian credit report is reporting one loan for {$68000.00} and one loan for {$13000.00}, for a grand total of {$82000.00}. My total balance is {$69000.00}, not {$82000.00}. I have made 4 different disputes to rectify this issue and each time XXXX upholds the amounts, resulting in no correction to my credit report. The most recent dispute was closed today, XX/XX/year>, and my credit report now shows that XXXX reported both the {$69000.00} AND the {$13000.00} on XX/XX/year>. 

Experian says that XXXX is telling them my total loan amount is correct. And XXXX is saying that they are reporting the correct amount. I have provided statements from XXXX. I have provided a statement from the Department of Education. I have provided screen shots that show that they are reporting {$82000.00} worth of loans. Each time, despite my evidence, they say they are reporting correctly. I do not know who is at fault, but this has been going on for an extended period of time and needs to be corrected as I will be purchasing a new home. I have spoken to each party numerous times and each time, they pass the buck to the other.
Consumer complaint received 2022-11-29
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. (MD)

Equifax has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Consumer complaint received 2023-10-11
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. (OK)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

My total student loan balance with EdFinancial is {$69000.00}. This total amount is comprised of two loans : one loan is {$13000.00}, and one loan is {$55000.00} at the time of this complaint. My XXXX  credit report is correct, my XXXX credit report is correct. My XXXX  credit report is reporting one loan for {$68000.00} and one loan for {$13000.00}, for a grand total of {$82000.00}. My total balance is {$69000.00}, not {$82000.00}. I have made 4 different disputes to rectify this issue and each time EdFinancial upholds the amounts, resulting in no correction to my credit report. The most recent dispute was closed today, XX/XX/year>, and my credit report now shows that EdFinancial reported both the {$69000.00} AND the {$13000.00} on XX/XX/year>. 

XXXX says that EdFinancial is telling them my total loan amount is correct. And EdFinancial is saying that they are reporting the correct amount. I have provided statements from EdFinancial. I have provided a statement from the Department of Education. I have provided screen shots that show that they are reporting {$82000.00} worth of loans. Each time, despite my evidence, they say they are reporting correctly. I do not know who is at fault, but this has been going on for an extended period of time and needs to be corrected as I will be purchasing a new home. I have spoken to each party numerous times and each time, they pass the buck to the other.
Consumer complaint received 2023-04-19
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ending XXXX, has violated my rights. 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-10-11
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. (OK)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Spring Oaks Capital. This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent.

2. A breakdown explaining the calculation of the said amount. 
XXXX. Copies of any documents that demonstrate my agreement to pay the alleged amount.

4. Identification of the original creditor.

5. Confirmation that the account is still within the statute of limitations ( SOL ) period.

6. Proof of your status as a licensed debt collector.

7. Evidence of your license numbers and registered agent.

8. The original contract bearing a wet ink signature.

However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action.

I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
Consumer complaint received 2023-08-08
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. (FL)

This is one of my multiple attempts to notify XXXX and TransUnion credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2023-10-11
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: PNC Bank N.A. (VA)

Dispute of Incorrect Charge on Credit Card I hope this letter finds you in good health. I am writing to bring a matter of concern to your attention regarding an erroneous charge on my credit card statement. I would like to request your prompt assistance in rectifying the issue as soon as possible. 

Upon reviewing my recent credit card statement for the month of XXXX, I noticed a charge that appears to be incorrect. The specific transaction in question is described as follows : Date of Transaction : XX/XX/2022 Transaction Amount : XXXX Description : fake agency of any airline charges, my credit card without my consent. 

I wish to clarify that I have not engaged in any business with the aforementioned merchant on the mentioned date. It seems to be an error or a possible case of fraudulent activity. Therefore, I kindly request a thorough investigation into this matter and urge the bank to take immediate action to reverse the charge. 

To assist you in resolving this issue effectively, I have enclosed a copy of my credit card statement highlighting the incorrect charge. Furthermore, I have included any supporting evidence or documents, such as receipts or any relevant communication with the merchant, that could aid in the investigation. 

I emphasize the urgency of this matter as it affects my overall financial stability and trust in my bank account.
Consumer complaint received 2023-12-09
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 have a problem with not changing or updating my documents with Experian and XXXX!!! 
Not showing up on the internet screen when companies do an credit report!! 
They see derogatory information when I'm receiving 10 documents being deleted, it's been a long 2 yrs and Experian and XXXX still hasn't updated, the internet correct updates that deleted all the negative information!! 
XX/XX/XXXX  XXXX XXXX ( XXXX SSN )
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ROCKY POINT CAPITAL LLC (DC)

This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to formally dispute and request the removal of several fraudulent inquiries that persist on my credit report, which have been negatively impacting my creditworthiness. I have made numerous attempts to address this issue but have not seen any resolution, and the inaccurate information continues to tarnish my credit history. 
I have never authorized or initiated any of these inquiries, and they are entirely fraudulent. These unauthorized inquiries have the potential to harm my financial stability and damage my credit score, which is why I am making this formal request for their immediate removal from my credit report. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with written confirmation of the actions taken to rectify this issue. Per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date credit information, and these fraudulent inquiries are a clear violation of this regulation. 

Enclosed with this letter, please find the following documents for your reference : A copy of my government-issued identification to verify my identity. 
Any supporting evidence that these inquiries are indeed fraudulent, such as police reports, affidavits, or other relevant documents. 
A copy of my credit report highlighting the fraudulent inquiries. 
I kindly request that you send me a written response within 30 days of receiving this dispute letter, as mandated by the FCRA. The response should include the results of your investigation and the actions taken to remove the fraudulent inquiries from my credit report. 

Additionally, please ensure that you notify all the creditors associated with these inquiries about the disputed information, and provide them with the relevant documentation, as required by law. I am asking for your immediate assistance to remove the following fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

Westen Union Reference Number is XXXX XXXX Payment amount is XXXX XXXX XXXX value date is XXXX XX/XX/2023. 

Reason for complaint : Beneficiary Claims Non Receipt of Funds. 

Western Union lied about the payment value date. Western Union still refuses to provide me with the XXXX confirmation of my own XXXX payment. Western Union has now taken my US Dollars and refused to provide XXXX XXXX to the beneficiary bank in XXXX. I have no Dollars and my beneficiary has no XXXX XXXX. Western Union refuses to provide proper exact and legal proof of XXXX payment.
Consumer complaint received 2023-10-11
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)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX from Wells Fargo is working on a response to my complaint, I want an explanation of why Wells Fargo would hire an appraiser outside of the County I live in to appraise my home, I want that question answered. This is relevant because if you go to their Website, that is one of the questions they ask you, what County you live in, if it weren't relevant then that would be a question they shouldn't ask and frankly they could hire an appraiser from another state and I wouldn't know it and what would that appraiser know about where I live? I still feel this is fraud. Especially when a mile away is a home appraiser in XXXX XXXX. I want that answered
Consumer complaint received 2023-10-11
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (AL)

I paid my car insurance ( XXXX XXXX ) a total of {$180.00} on Sunday XX/XX/2023. Once that payment went through, a notification popped up in my bank account ( Chime ) saying that I could get a refund when I switch car insurances. I spoke that night with customer service chat, and was told once it processed, Id receive my refund. I have not. So I called chime support and was just tossed around to repeat my story to different people. I was told to email chime support the screen shot so they can look into it.
Consumer complaint received 2023-10-11
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. (GA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/2022
Consumer complaint received 2023-09-25
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-08
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. (FL)

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 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (TX)

Re : Notice of Claim Pursuant to 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974 Dear XXXX XXXX I am writing to bring to your attention a matter concerning the unauthorized disclosure and handling of personal information, which I believe contravenes the stipulations set forth in the laws governing consumer privacy, specifically 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974.

including details of unauthorized disclosure or mishandling of personal information.

As per 15 USC 6801 and 15 USC 6802, entities are obligated to protect the confidentiality of consumer information and are prohibited from disclosing it to unauthorized third parties without consent. Moreover, the regulations outlined in 16 CFR 313 require compliance with certain standards for safeguarding consumer information. The Privacy Act of 1974 similarly mandates the protection of individuals privacy rights concerning their personal data held by federal agencies.

the violation has impacted ME WITH financial losses, emotional distress, HUMILIATION, DEFAMATION, SEVER INTENTIONAL EMOTIONAL STRESS AND SEVERE HARDSHIP ] In light of the aforementioned VIOLATION OF SHARING MY PERSONAL NON PUBLIC INFORMATION I WAN NA OPT OUT IF I EVER GAVE U WRITTEN NIN WRITTEN OR VERBALLY CONSENT I REVOKE THAT AND YOU ARE NO LONGER ALLOWED EFFECTIVE IMMEDIATELY AND i I demand immediate action to rectify the situation, including but not limited to : 1. A complete investigation into the unauthorized disclosure or mishandling of my personal information.

2. Notification to all relevant parties of the breach and the steps being taken to address it.

3. Assurance of enhanced measures to prevent future sharing of non public transactions and to comply fully with the aforementioned laws and regulations.

4. Compensation for any damages incurred as a result of this privacy violation.

Please respond within [ specify a reasonable timeframe, e.g., 30 days ] to address these concerns. Failure to do so may compel me to pursue legal action to protect my rights under the stated laws.

I expect your prompt attention to this matter. Thank you for your immediate action in resolving this issue as you have violated Right that I have that I took from me knowingly and willingly 18 usc 1001 UNITED STATES VS. LICHENSTEIN, 610 F 2D 1272.1276-77 ( 5th cir ) and United States v LANGE 528 F 2D 1280. 1287-89 5TH CIRCUIT 1976