davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 below : XXXX XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}, DPT EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC. (NY)

Unauthorized and unknown charge appeared on my statement for the amount {$1800.00} as of XX/XX/XXXX. Merchant completely unknown to me - " XXXX XXXX XXXX XXXX ''. 
Raised dispute for the charge with Santander immediately upon receiving statement on XX/XX/XXXX, case XXXX. Santander denied it with nothing but " inconsistencies in the documentation that was submitted '' in response, no evidence. Contacted bank again, stated that card could be cloned, requested evidence of proof of purchase and merchant details and contact. Cases XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. Received identical evidence free responses. Contacted the bank through branch representative on XX/XX/XXXX, requested specifically 2 pieces of evidence : proof of me authorizing purchase, detailed information on the merchant with contact details besides the name, which can not be traced to anything. Bank failed to provide either. 
Bank claims that my card could not be cloned. I stated that my card was handled by vendors and sure could be cloned while out of my view among other things. But fact is I did not authorize the transaction and am not familiar with the merchant at all. 
Attached is all of the written correspondence I received regarding the transaction dispute cases I described above.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year> I stupidly believed that I was speaking with a Fraud Representative from Bank of America and transferred {$1700.00} and {$1800.00} from my checking and savings account to purportedly avoid pending XXXX transactions. My experience followed the pattern, a few bogus charges prompted an alert from BoFA and I immediately received a call and more texts allegedly from BoFA. Once I realized it was fake, I immediately reported it to BoFA. They reversed the fraudulent transactions from my checking ( {$100.00} ) but referred me to a XXXX XXXX XXXX. They took the information and denied the request. Their decision was contested and the claim was resubmitted. Despite being a BoFA customer for over 40 years, my request for Federal E Regulations to apply, and my strenuous attempt to have them react quickly ( the funds went to another BoFA XXXX account so they should have visibility into this ), I was denied any remedy except for some email tips for how to avoid future scams. 

Calling your attention to a few things, XXXX has removed the XXXX from service and there is no mechanism for consumers to reach out to them directly. They refer everyone to their bank and that route from me has been exhausted. 

As a long time BoFA customer, XXXX XXXX XXXX  and a clear victim that should be offered Federal E protection, this has been denied. We are moving the bulk of our savings to another bank because we have lost trust with this institution to have our best interests top of mind. While I am embarrassed that I fell for this scheme, I am sharing my story so that other customers are aware of the scam and the appalling lack of recourse from Bank of America and XXXX.
Consumer complaint received 2023-07-17
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: CAINE & WEINER COMPANY, INC. (FL)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2022-11-28
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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.
Consumer complaint received 2023-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Wife called XXXX on Saturday, XX/XX/2023 because I fade out. Once the paramedics arrived to my house they just suggested to me to take XXXX and XXXX together. They added that it was the treatment they personally take for XXXX XXXX. Then they offered to me to choose between riding with them in the ambulance or do do it myself to the nearest hospital. Due to the fact on the information provided by the paramedics was not reliable, my wife and myself said no. Paramedics left.
Consumer complaint received 2023-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I requested the covid assistance for my loan. I was advised that I was approved for a 6 month forbearance. on XX/XX/XXXX or XX/XX/XXXX I called to go over my options and I was give 3 choices by the mortgage rep. 1 Modification 2. repayment 3. partial claim to be added toi the back of my loan, I chose Option # 3 Partial claim to be added to the back of the loan. I was told I was approved for the partial claim. I was also asked to verify names for the Notarization of the documents and that I was going to receive the package within 10 days. Yesterday XX/XX/XXXX Freedom Mortgage called my Son and told him that they had send out a modification package and that our new interest rate was 7 1/2. My Son called me and advised I then called the lender back and advised that I never accepted the modification that I was offered the Partial claim and I was told we were approved. The representative was rude and Advised we can sell the home if we can not accept the modification. I demand the Office of the president to review my file and give me an explanation of why we were offered and was told were approved for a partial claim. I have never and will not be able to afford a payment with interest rate of 7 1/2 if I cant even pay my payment now. I demand a call ASAP!! XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under XXXX XXXX XXXX XXXX Title Definitions. 

I missed two payments on my XXXXXXXX XXXX XXXX Account Number : XXXX on XX/XX/XXXX and XX/XX/XXXX. As per the terms of the agreement, these missed payments was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future. 
However, I would like to draw your attention to the rules of construction under 15 USC 1681 B Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed and brought to current. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payments have been removed from my credit report. 


Sincerely XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OLIPHANT FINANCIAL, LLC (WV)

XXXX XXXX XXXX, AT XXXX XXXX, XXXX XXXX IN XXXX, FL XXXX, REPORTED A DEBT OF {$1800.00}, TO XXXX XXXX ON XX/XX/year>, THIS DEBT IS NOT MINE, I INFORMED ''OLIPHANT '', SEVERAL TIME, XXXX ASKED TO PROVIDE ME VERIFICATION AND DOCUMENTATION OF THE DEBT, ALSO TO PROVIDE ME WITH A COPY OF THE LAST BILLING STATEMENT SENT TO ME BY THE ORIGINAL CREDITOR,,,,, THE FAIR CREDIT REPORTING ACT GIVE ME THE RIGHTS TO OBTAIN WHAT I REQUESTED,,, XXXX NEVER REPLIED TO MY REQUESTS, ALSO I DISPUTE WITH XXXX XXXX '', THEIR INVESTIGATION WAS INACCURATE NEVER ASKED ''OLIPHANT XXXX XXXX '' DOCUMANTION THAT WAS REQUESTED BY ME.
Consumer complaint received 2024-03-03
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. (CO)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-28
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. (MO)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Creditor, I am writing to dispute the negative items on my credit report associated with your company. I have reviewed my credit report and noticed several inaccurate and unfair items, including late payment accounts and charge off accounts. 
Firstly, regarding the late payment accounts for XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), and XXXXXXXX XXXX ( account number : XXXX ), I would like to point out that these accounts were a result of temporary financial difficulties. While I admit that I fell behind on payments, I have since caught up and am now current on all accounts. I kindly request that you remove these late payment accounts from my credit report, as I believe they are unfairly affecting my credit score. 
Secondly, I noticed that XXXX XXXX XXXX ( account number : XXXX ) has charged off my account. I am devastated by this news, as I have always strived to maintain a good credit history. However, I was not made aware of this charge off until I reviewed my credit report. I kindly request that you provide me with more information about this charge off, as I believe it may be inaccurate or unfair. If the charge off is indeed valid, I would appreciate the opportunity to work out a payment plan to satisfy this debt and prevent further damage to my credit report. 
Finally, I am disputing the charge off accounts associated with XXXX XXXX ( account number : XXXX ) and XXXX ( account number : XXXX ). I have no recollection of opening these accounts, and I have not received any communication from your company regarding them. I kindly request that you provide me with more information about these accounts and take appropriate steps to remove them from my credit report if they are found to be inaccurate or fraudulent. 
As a law-abiding citizen, I understand the importance of maintaining good credit. However, the negative items on my credit report are causing me great emotional distress and anxiety. I kindly request that you investigate these matters thoroughly and respond promptly, as I am eager to resolve these issues and restore my good credit history. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate.

Account name XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

I attached a consumer report as evidence.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION HAS DROPPED MY XXXX XXXX BY XXXX POINTS OVER NIGHT AND THERE IS NO CHANGE WITH MY CREDIT. THIS HAS HAPPENED TWICE WITHIN 90 DAYS. THE FIRST TIME WAS THE END OF LAST YEAR BUT THEY RESTORED THE SCORE ASAP. THIS TIME IT HAS HAPPENED AGAIN IN THE MONTH OF XX/XX/2023. This IS RIDICULOUS. ONLY XXXX CONSUMERS ARE HAVING THIS ISSUE. THIS IS SO XXXX.I CALLED AND I WAS TOLD TO FILE A COMPLAINT. THIS IS SO UNFAIR.THERE IS NOTHING WRONG ON MY SIDE. I KNOW THIS IS UNETHICAL
Consumer complaint received 2023-07-18
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. (VA)

They are not following the laws of consumer report 15 USC 1681b ( a ) ( 2 ) and ( c ) which states in the accordance with the written instructions of the consumer to whom it relates ( meaning they have to have permission from me to put that on my credit report and I didn't give nobody permission to put a student loan on my credit report so I revoke them for putting that student loan on my credit report ) I would like that move immediately
Consumer complaint received 2023-08-22
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: AMERICAN EXPRESS COMPANY (GA)

AMERICAN EXPRESS Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (NV)

A debt collector PlusFour, Inc. sent me a collection letter for a medical debt dating approximately back in XX/XX/2019. I responded by writing a letter to them and copy furnished our insurance company at the time for abatement of charges due to the fact that, at the time of my doctor 's visit, I was not aware that the medical facility was no longer in network. When I called the insurance company, I was informed that the charges are my co-pay and that these charges should be paid. I argued that if I had known that the doctors and facility are no longer in network, I would not have gone to the doctor and would not have incurred these charges. 

Without notifying me, the debt collector sent the amount owed of {$370.00} plus collection charges of {$200.00} for a total of {$570.00} to the credit bureaus. Prior to this, I requested my debt management company, XXXX. XXXX to call them on my behalf so that I can add this amount to my debt management and pay if off even tho I am disputing it. XXXX informed me that they will not talk to them and that I should call. I did call and the lady that answered me was rude and uncooperative. 

My husband also received a collection letter in the amount of {$270.00} plus collection charges of {$140.00} for a total of {$420.00}. 

I am trying to payoff all our debts in the hope that our credit score and debt to income ratio will improve over time so that I am able to refinance our house in the future. I would like to ask for your agency 's help on how to resolve this problem. I can't afford additional debts and I can't afford to have a derogatory remark on my credit report. 

I am willing to pay these debts with an amount that's manageable right now and for the collection agency to remove the derogatory remark on my credit report. But, like I said, I am also trying to dispute this debt because we would not have gone to see the doctor if we were notified that they are no longer in network. 

I have documents that I can provide should you need them. 

Thank you very much for your anticipated help with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

The collection agency is Hunter Warfield collecting for XXXX XXXX XXXX XXXX, open XX/XX/XXXX. 
We moved from this complex on XX/XX/XXXX. We got our keys to our new apartment & moved out that day. I had paid my rent in full in XX/XX/XXXX, & shouldn't pay them for XXXX. They claim we owe them partial rent. I believe, the management agency is angry because they wanted us to move out of our apartment to another building in their complex. There was an entire family group living in the five apartments in the building and they wanted our apartment also. Even though we had been living in the building before anyone else moved ... over 8 years. My husband & I decided to leave the complex and not take another apartment because of the racial harassment from tenants & management. We left the keys in the management 's night box. If anyone was staying in the apartment it was not us. 
I asked Hunter Warwick to send us information regarding this matter. I have not received anything from them. However, our credit report collection data is being increased annually.