davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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. (TX)

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 items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$80.00}, XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My Bank of America XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account was closed in error because of alleged " fraud '' on my accounnt in XXXX. At this time, I was not aware there was actually a positive balance in my account of approximately {$1900.00}. I called to check on this account after reading about Bank of America being fined XXXX for not dispersing account holders funds from the pandemic because of alleged " fraud ''. I was advised that there was a balance in my account of {$1800.00} which the bank would send the balance in a check to my address. It has now been about a month and I still have not received the check for the balance owed to me from my account that was closed in error because of alleged " fraud ''. I have had to go into a Bank of America banking XXXX 5 different times to prove my identity and have easily spent in excess of XXXX hours checking in as to where my check was, where it was sent, etc. Each time I have spoken to the bank, their accounting of the process has been different and increasingly vauge.They couldn't advise if the check was sent out via XXXX or the USPS. My partner and I are currently homeless and this money is certainly a difference maker in our lives. Allowing us to lease a car to drive for XXXX as well as be able to lease a room or our own apartment. As of today, we were asked to wait another 3-5 business days so the bank could figure out where the check was and if there is a tracking number with it- this is after we were advised that the check was sent to us on XX/XX/XXXX. Once again, out of the multuiple calls that we have made to the bank, not one of the calls has has had consistent or accurate information. At this point, we feel as if Bank of America is making their story up as they go along and wonder if and when we will receive the money they have fraudulently held onto for over XXXX years now.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (ID)

I asked for a 60 day deferment in order to finish a course that would lead to full time employment. Before the end of the 60 day term I began being contacted incessantly by Regional XXXX, although the phone numbers were from an entirely different state than where they are based. Which I found odd and misleading. The company than hired some wired third party to come and talk me on my property and take pictures of my vehicle and then give me a letter which was complete nonsense. After this they called my father in law and knowingly disclosed my financial information to him. Even though he is not on the account and is not associated with me. I believe this constitutes harassment and violates the FDCPA.
Consumer complaint received 2022-09-23
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-26
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. (TN)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax is still reporting the wrong address on my credit report, I do not know where this information is stemming from. 

In correct address below : XXXX XXXX XXXX XXXX New Jersey XXXX I have never have lived at this address!
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (VA)

At this moment I do not have a stable job and I owe money to XXXX, I would like to reach a payment agreement, I do not want to go to collection. 

Creditor : XXXX Reference : XXXX Account balance : XXXX
Consumer complaint received 2022-09-23
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. (NC)

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 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

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

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America used funds from my checking account to offset a charged off business credit card. 

The first instance happened in XX/XX/XXXX, where they deducted about {$590.00} from my account and sent me a letter explaining what they had done. However, that transaction is not showing on my account statement. I was on the phone with the bank for over an hour and they claimed to not find the transaction. They should have a copy of the letter they sent to me. 

The second time was on XX/XX/XXXX for the sum of {$96.00} The third time was XX/XX/XXXX for the sum of XXXX This last sums that was deducted on XX/XX/XXXX was from my school refund which Im ordered to pay back for this school year. I have not had any income since XX/XX/XXXX and have been struggling to make ends meet. This is a big financial for me and I would like it fixed.
Consumer complaint received 2024-05-22
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. (MT)

I disputed to reporting agencies all debt concerning XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Consumer complaint received 2022-09-23
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. (VA)

This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over 7 years old. 

This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-08-10
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.
Consumer complaint received 2023-07-27
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. (LA)

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.
Consumer complaint received 2023-08-10
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. (OH)

Hello on XX/XX/2023 I submitted a dispute into Experian regarding a bankruptcy and how it was reporting on XX/XX/2023 Experian verified the dispute as accurate and verifying correctly I requested a reinvestigation as we know this is a direct violation according to FCRA 15 USC 1681I They are required to provide me with correct accuracy as well as their method of verification. This is affecting me because I am trying to purchase a home and need to move in XXXX days which I can not do because they will not take there time to verify my information but instead send me a generic response I am aware of the E- Oscar system which I know is a stall tactic to in doing a proper investigation like requested please review the documents and proof I have attached to verify the courts do not report to the credit bureau and they obtained this information from XXXX XXXX a third party which got my information from pacer.gov I never consented to this Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.

( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code.

( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.

( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One unexpectedly closed this Walmart credit card in early XX/XX/year>. Never have I missed a payment on this card prior. The due dates were confusing as I made a payment on XX/XX/XXXX for {$50.00} for this card and my other Cap One card I had. For some reason the due date on the other Cap One card is XX/XX/XXXX, I assumed the same for the Walmart card. I just logged in to setup two payments as the XXXX is approaching and see that I was charged a {$28.00} fee for a late payment. 

I called capital one and requested that fee to be waived as I have never missed a payment on this card before. They denied the request. I feel Capital One misled me on the correct due date in order to charge what is a 100 % penalty fee. The minimum payment was {$28.00} and the fee charged is {$28.00}. That's a 100 % penalty late fee.
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

On XX/XX/2020 I received a credit alert from my XXXX Credit report. The report stated that a collection amount of XXXX dollars was owed to CMRE Collections. I called XXXX at XXXX CMRE today XX/XX/2020 and asked her about this debt from account XXXX. I asked her name she Stated it was XXXX. I gave the person my name and phone number, so she could look up the bill. XXXX stated that she could not find my name anywhere in her system or any bill that I allegedly owed. She asked me for my social security number, I told her that I feel uncomfortable giving her that. I called CMRE collection at XXXX. I informed her that I was sick from XXXX and I had no knowledge of this account. She thought that was funny and tried asking how long I had it, She was very unprofessional. I asked to for the legal department of CMRE she refused to give me any contact info. Under account information on my credit it states collection Department/ Agency/ attorney. Makes me belief that they work for a federal agency. In Conclusion I contacted CMRE to dispute this debt allegedly owed. I also told her that I was sick with XXXX and I work for the USPS and I have federal Insurance and I pay my bills. I contracted covid -19 while employed all my medical are being paid. I feel very distrusting towards CMRE rep when she asked me for my social security number and physical address.She stated her office was in California. I asked for her legal and the attorney that represents them. She refused to give me any information or any phone numbers of their legal office. She was very disrespectful in asking me personal questions about my XXXX, I her a laughter in her voice when I explain how XXXX I am.
Consumer complaint received 2022-10-28
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. (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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person!
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report