davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (GA)

Auto Loan # XXXX XXXX XXXX XXXX XXXX account reported as a CHARGOFF/ COLLECTION with derogatory remarks as a bad debt and balance due of XXXX 

This account is still open and in good standing with XXXX XXXX XXXX XXXX 

Title 15 U.S.C 1601 states I have a right to privacy. XXXX XXXX XXXX XXXX has violated my rights. 
Title 15 U.S.C 1608 states I have a right to fair credit reporting. 

I HAVE PREVIOUSLY contacted the XXXX to investigate this inaccuracy and the request was deemed frivolous.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Auto Loan # XXXX XXXX XXXX XXXX XXXX account reported as a CHARGOFF/ COLLECTION with derogatory remarks as a bad debt and balance due of XXXX 

This account is still open and in good standing with XXXX XXXX XXXX XXXX 

Title 15 U.S.C 1601 states I have a right to privacy. XXXX XXXX XXXX XXXX has violated my rights. 
Title 15 U.S.C 1608 states I have a right to fair credit reporting. 

I HAVE PREVIOUSLY contacted the XXXX to investigate this inaccuracy and the request was deemed frivolous.
Consumer complaint received 2022-12-29
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. (LA)

I sent over disputes to Experian and XXXX. The problem has been over 30 days with no resolution. 
Please Delete and Remove from my credit report XXXX XXXX
Consumer complaint received 2021-01-03
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1.XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2021-01-04
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: Amsher Collection Services, Inc. (WA)

I was informed by XXXX XXXX that there was a bill sent to collections on my credit report. This was not my bill, I had never heard of the company that was billing me. It was in the amount of {$550.00} from XXXX XXXX and it was sent to XXXX XXXX on XX/XX/2020, account XXXX. I have never received an actual statement, I just am giving you information provided to me by XXXX XXXX. This is fraud, someone using my personal information.
Consumer complaint received 2021-01-04
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. (PA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-03-25
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. (TX)

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

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, several fraudulent transactions were made against my Wells Fargo account, totaling in a loss of approximately {$7500.00}. 

Saving Account XXXX : on XX/XX/XXXX, {$7000.00} was transferred from this account to my everyday checking account Savings Account XXXX : the following fraudulent withdrawals were made : Transfer from everyday checking {$620.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$140.00} ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$240.00} Transfer to everyday checking {$620.00} Transfer to everyday checking {$0.00} Transfer to everyday checking {$20.00} Everyday Checking account : Transfer to Savings account XXXX - {$620.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NC - {$1000.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} XXXX XXXX XXXX # XXXX XXXX U XXXX NC - {$2900.00} ATM Withdrawal ATM Withdrawal XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC : {$620.00} Following these transactions, a representative from XXXX called on XX/XX/XXXX to report fraudulent activity. I confirmed that these charges were not authorized and requested they be disputed. They did not close the card as requested. 

My claim has been denied in several instances, as they can not confirm whether I authorized these transactions because they involved entry of a pin number. However, a representative confirmed that they at least had video footage of the person responsible for the ATM transactions and requested I submit a photo of myself, to which they claim they have not yet received, even though I submitted these to a local branch that was responsible for faxing them over to the appropriate parties. Wells Fargo granted me a limited credit of {$620.00} out of the {$7500.00} stolen. Following several decisions denying my claim, they communicated their intent to reverse these temporary funds on XX/XX/XXXX.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to describe a distressing situation that occurred today, XX/XX/2023, at approximately XXXX XXXX  EST. I was attempting to deposit {$300.00} into my Capital One checking account ending in XXXX using an ATM located at the bank entrance in XXXX, New Jersey. During the deposit process, my money became stuck in the machine. 

Two employees of the bank, XXXX ( a XXXX woman, aged between XXXX years ) and XXXX ( a man of XXXX origin ), approached and were made aware of the situation. Despite acknowledging my predicament, they unfortunately stated they were unable to assist me and instructed me to call Capital One 's customer service department for resolution. 

Acting on their advice, I immediately contacted Capital One 's customer service, explaining the situation in detail. However, to my dismay, the customer service representatives also refused to return my funds, leaving me with a loss of {$300.00} with no immediate solution provided.

I am seeking your professional advice and assistance to resolve this matter. I am hoping for a full refund of the lost funds from Capital One bank. I trust that this can be resolved amicably, however, I am prepared to take legal action if necessary. 

Thank you for your attention to this matter, and I look forward to your guidance in this distressing situation.I have proof of videos and pictures. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
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. (VA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 1

5 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 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. 

Due to these violations I have a right to sue per violation.
Consumer complaint received 2024-03-25
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. (FL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, 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. (GA)

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
-XXXX XXXX XXXX XXXX XXXX$440.00} XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX {$3400.00} XXXXXXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.
Consumer complaint received 2020-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (NV)

This collection appeared on my credit report with the three credit bureaus. I NEVER received any correspondence from the collection agency. I do not know what the bill is or regarding what debt. I did not receive any correspondence to dispute the bill. The debt is for {$190.00}
Consumer complaint received 2024-03-25
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. (OH)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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: Experian Information Solutions Inc. (GA)

Once again I submitted a complaint about Experian not investigating account on my credit report and they responded to you all and said they were still investigating the account just for them not to and respond by saying they updated my information. which I did ask for I have documents that show inaccurate dates on this account which should cause for a removal. If they cant do their job I will be filing a law suit against them
Consumer complaint received 2023-02-16
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. (VA)

Pursuant to the Fair Credit Reporting Act, the listed accounts below have violated my federal protected consumer rights to privacy and confidentiality as enshrined under 15 U.S.C Section 1681. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX : Account Number XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 ( a ) ( 4 ) states ... the need to insure that consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

15 U.S.C 1681 Section 604 ( c ) ( 3 ) states on information regarding inquiries that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit transaction that is not initiated by the consumer.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a customer to any consumer reporting agency if if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (TX)

I originally registered my business with Experian business around XX/XX/2022. They did not put my correct business address on the credit report so I requested a correction while providing the correct address. Months later the problem still is not connected and showing an incorrect address. I am literally getting rejected with funding and loans due to this error of information. They are literally holding my business back from getting funded. I tried calling and their business 's support line does not work properly, the email instructions say for commercial relations click 6 so I do and the system does not recognize the input. I called the experian help desk and they said to click 3 at that phone number so I did but that doesn't work either. So I tried speaking with a supervisor and I've gotten hung up on 5 times. This is entire experience is completely unacceptable.
Consumer complaint received 2022-12-30
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. (NM)

XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I contacted Portfolio Recovery to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. Portfolio has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.
Consumer complaint received 2022-12-30
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. (NM)

XXXX, XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2022-12-30
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: Onity Group Inc. (DC)

I purchased a home in XXXX of XXXX in XXXX XXXX Md thru PHH Mortgage for $ XXXX when I looked at my credit report on all three bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these 2 mortgage showing on my credit profile asap. 

PHH Mortgage XXXX ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Simon's Agency, Inc. (NY)

i have a debt on my XXXX  credit report that expired on XXXX of XXXX for the amount of {$610.00} that i asked simons agency  of XXXX XXXX XXXX XXXX ny XXXX to be removed from my credit report. i disputed this with XXXX and they told me it was up to simons agency to remove this. i talked to XXXX XXXX over at the simons agency this morning XX/XX/XXXX and he told me simons would not be responsible for removal from my credit report. i have explained in several calls and through written letters that this debt is past the statute of limitations and debt reporting in new youk state but to no avail. simons will also not offer better terms of negotiation on former debts and is still trying to collect on debts that are more than 7 years old.
Consumer complaint received 2023-06-01
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. (FL)

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2019. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, 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. (NV)

Please Delete these unauthorized credit inquiries. 
XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022. 
And I attached a copy of theft report.
Consumer complaint received 2022-12-29
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. (GA)

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 an account without my written instructions. 

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.