davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I have provided The Department of Ed and Mohela with documentation regarding my missing payment count from XX/XX/XXXX thru XX/XX/XXXX. Still no update on when this will be resolved. Both parties acknowledge the payment count is incorrect but neither party is fixing the issue.
Consumer complaint received 2023-06-22
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (AZ)

On XXXX/XXXX/XXXX, I received a report from XXXX XXXX about information on my credit report. The information was obtained by CoreLogic Credco. They listed a judgement on my credit report that is incorrect. On top of that, they received the information via telephone and took that information as truth. The judgement was from XXXX in XXXX. This information is not accurate and when I questioned them about it, they said it was listed on my XXXX credit report. This is a flat out lie. They admit that the information was verified on the phone, and could not be proved otherwise. I explained that important information like that can not be verified as truth over the telephone. I told them that according to the law, that if they can not confirm all the information as truth, they would have to delete it. All I got was the runaround. I would like to seek damages since my mortgage application will now be denied because of their false information. Additionally, the judgement is older than 5 years, so it is no longer collectible.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

My debit card was used to make unauthorized debit trransactions while on vacation in XXXX XXXX. These occurred between XX/XX/2024 XXXX. I immediately filed a fraud claim upon my return- Claim ID # XXXX, XXXX. The claims were denied with no explanation. I explained that on XX/XX/2024 A person booked a flight with XXXX XXXX but the card was flagged for address verificationand the person was denied boarding at the gate because they could not produce my debit card used for payment. XXXX refunded my money in a day of {$380.00} ( Claim Id # XXXX ) They then tried to do the same with American and again my card was flagged for address verification and the person was not allowed to fly. XXXX refunded the charge to my card a few days later of {$120.00} ( Claim id XXXX ). At this point I assumed bank of America realized that at some point my card number and information had been compromised. I received a phone call today XX/XX/2024 from a nice individual from the fraud department. She asked me did i ever misplace my card or lose possesion of it and I replied No not that I could remeber. The only time was at restaurants that I ate it when they would take my card to process it. She was very nice and showed loys of empathy and after our conversation said i should receive a refund in XXXX to XXXX hours. Imagine my suprise when I received notice my claim was denied!! I did not authorize make or receive anything of value for this transactions nor did i give permission for anyone to use this card. I do not know how Bank of america verified or investigate these claims in the span of two hours from when I spoke to the investigator as all these claims occurred in a foreign country. I am asking and requesting Bank of America to re investigate these claims and issue me a credit while doing so in a timely manner. I did not authorize any of this and it has put me in a very bad situation as a retired XXXX on a fixed income.I can not pay my monthly bills without this money that was taken. Please help me if you can. Thank You
Consumer complaint received 2023-06-22
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. (LA)

XXXX XXXX representing both XXXX and XXXX XXXX is reporting on both experian and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both Experian and XXXX are reporting these accounts incorrectly despite several dispute requests.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Purchases made with Kohls card around XX/XX/XXXX. Address updated XX/XX/XXXX taken at the XXXX XXXX XXXX store. Store wasn't able to provide an exact balance so asked me to wait for statement. Statement did not come. In XX/XX/XXXX {$30.00} was paid. Kohls store in XXXX also could not provide exact amount owing. Address updated again. Again no statement came during the months following. Called again. Told balance over the phone and payment made. In XX/XX/XXXX debt collector letter received for {$11.00} ( for the late payment charge ). Kohls had been charging me late fees and then late fees on top of the late fees. Call Kohls to complain and to examine exactly what I am being charged for. Previous months statements sent to me. I reconciled the transactions and rang Kohls to complain that all the late fees and interest charged were accruing on top of each other and that payments for all my purchases was settled months ago. Three phone calls later by end of XX/XX/XXXX all late fees and interest charged was refunded and an verbal apology issued. 

In XX/XX/XXXX I go to refinance my mortgage and find out Kohls lodged numerous bad credit reports on me in XX/XX/XXXX even though I was actively sorting it out with them and they had subsequently refunded everything. Rang Kohls to have it removed. One month later receive a letter from Kohls refusing to correct the credit reports. 

The credit card is funded by Capital One. Called Capital One, was told nothing to do with them. 

Kohls tanked my credit ranting based on their own errors which they refunded and apologized for. Yet wont fix the credit report.
Consumer complaint received 2023-03-10
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. (CA)

My name is XXXX XXXX, Around XXXX of XXXX I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the XXXX month with a number of complaints and correspondence with XXXX XXXX XXXX XXXX without any results. Firstly, they took over 4 months to respond to a number of emails/mails and phone messages. A so called " fraud specialist '' named XXXX XXXX XXXX from XXXX finally took my call and said they were backed up and apologized for delaying my requests to view my case and asked me at this point to re-send my police report.. I did once again and after several months of trying to get ahold of him another member named XXXX XXXX in management ) took my call and essentially told me that I myself was my identity thief.. Yes, she said my voice sounded like the person opening the accounts, she also told me I was on video opening this account in their bank.. I've never been in this bank. She then tried to justify her claims by asking me for my personal information i.e. address/phone/email/dob, and of course everything matched. I told her once again that the information probably matches because my identity was comprised including my email, but she wasn't listening. She asked me what the names of my parents were and claimed that matched as well. Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, false accusations and even discrimination. I felt I was talking to someone who was in fact supposed to help me was asking me if I'm sure I was a victim of identity theft and if that was possibly myself. If anyone knows what its like to go through the mere fact of trying to clear things with financial institutions and then having the very banks fraud department telling me the my email matches the account in question should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved. 
XX/XX/XXXX
Consumer complaint received 2023-04-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$310.00} XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : -
Consumer complaint received 2023-04-19
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 (CA)

Dear Support Team, I am writing this formal complaint to appeal the permanent limitation that was placed on my PayPal account. I believe that this limitation was placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policies. I have always made sure to comply with all rules and regulations that PayPal has put in place. Therefore, I am confident that there has been some sort of error, which has led to the limitation of my account. 

I would appreciate it if you could re-examine my account history and transactions to confirm that there has been no wrongdoing on my part. I am confident that you will find no violation of PayPal policies, and my account can be restored to its original state. 

In conclusion, I am kindly asking PayPal to re-investigate my case and lift the limitation on my account. I would be grateful if you could expedite this process as soon as possible. The email address on my PayPal account is XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
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)

I pulled my annual report and realized I had damages on my consumer report misrepresenting me and displaying an abusive attack on my character. I have disputed four late payments with Experian, XXXX, and XXXX, as shown in my attached dispute letter. Ive sent an online dispute, certified letters, Fax, and phone calls quoting the laws below. They have not provided proof of their completed investigation and continue to ignore the laws below. As of today, my report still displays late payments, destroying my privacy. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

- 15 USC 1681 Section 602 states that I have the right to privacy.

- 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a provides definitions and rules of construction for the Fair Credit Reporting Act, with specific exclusions.

- 15 USC 1666B prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for a specific purpose.
Consumer complaint received 2023-04-14
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. (GA)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have attempted to dispute inaccuracies on my credit report from Experian, XXXX and XXXX. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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.

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Experian 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 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 2018-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (SC)

I rec 'd a letter from XXXX XXXX XXXX  dated XX/XX/2018. In return I submitted a letter via fax on XX/XX/2018 and XX/XX/2018 ( attached is my confirmation ) the letter was also sent via snail mail on XX/XX/2018. The letter stated that I needed validation that they were authorized to collect such debt and the name of the company claiming I owe this debt. There was never a response to this letter. The letter also states that if the office report invalidated information to any of the 3 major credit bureaus that this action will constitute fraud under both Federal and State Laws and if any negative mark is found on any of my credit reports by their company that I won't hesitate to bring in legal action. They had 30 days to respond and here it is almost 60 days later, I am notified of a credit alert on my credit report with XXXX that XXXX XXXX XXXX added a collection to my report. This is FRAUD. This alleged collection needs to be REMOVED immediately from my credit report before further action is taken. I have also submitted this request to The XXXX and my states attorney generals office. Please send me an updated credit report, thanks.
Consumer complaint received 2022-10-28
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. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-19
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. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-19
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)

I've been writing XXXX, Experian and XXXX since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Auto Credit (CA)

I have called Premier Auto Credit in order to request an extension of payment of the car loan and they told me that a document that I need to fill out would be mailed to my address. After 2 weeks I called back because I didn't receive any mail and they told me it was already sent and I have to wait. Friday XX/XX/XXXX, I called back and they told me that the extension requested was denied ( and that I was told this when I called, which is a lie ) because I have only 4 months payment. I explained at first that due quarentine we all have been made put in XXXX XXXX, CA in XXXX, I was unemployed due cocid-19 pandemia, so I requested this due Government 's order. 
They didn't care and I requested to get in contact with the person I talked the first time. They told me she called me back and till now I'm still waiting for a response. 
Please, looking forward you can help me to solve the problem. 

Kind regards, XXXX XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company suing me, but I was NOT properly served by anyone. 

I found out about the case because I was receiving random letters in the mail from attorneys offering to help with the case. 

I've called the local courthouse to confirm everything.