davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was recently informed of negative information reported by Bank of America included in the file XXXX   maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Suspected Fraud Activity in XX/XX/2017. 
The fraudulent activity happened on my sons minor account which was a joint account to my own. My account was not compromised and this fraudulent report has been added to my XXXX  report and needs to be removed. This inaccurate information is keeping me from obtaining a bank account from other financial institutions as my profile is showing up on their early warning system. 
Please validate this information with Bank of America and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
For your reference, my personal information is as follows : SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (IL)

Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( Equifax, XXXX, and XXXX ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX have XXXX XXXX credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

I never gave permission for LEXIS-NEXIS to use my information which makes it identity theft under 18 USC 1028 ( a ) ( 2 ) LEXIS-NEXIS does not have permissible purpose to collect, share or use my information which is violation of 15 USC 1681 B LEXIS-NEXIS violated 15 USC 1681 ( a ) 4 by sharing my personal non-public information without my written consent with their nonaffiliated third-parties example : ( XXXX ) ( XXXX ) ( XXXX ) & ( insurance companies ) LEXIS-NEXIS violated 15 USC 1681 ( D ) a ( 1 ) A person ( LexisNexis ) may not procure or cause to be prepared an investigative consumer report on any consumer ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer LexisNexis has never sent me ( the consumer ) a disclosure, letting me know that I could opt out. ( because I did not know LexisNexis existed ) if LEXIS-NEXIS did this to me, imagine the millions of other people they are violating
Consumer complaint received 2023-02-01
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. (TX)

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 - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX / XXXX - Account XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

These Credit Inquiries has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2023-02-02
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. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed the 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 the items or the information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-05-19
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX. 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 2023-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

Received 2 American Express gift cards from my son, each with {$100.00} on them. Expiration dates are XX/XX/XXXX and XX/XX/XXXX. Had them for about a year or two, went to use them and was denied! After calling American Express, found out that they had turned over the money to the state ( Massachusetts ) for unclaimed money even though the expiration dates were good till XXXX! My son doesnt have the receipts for them, assuming everything was fine! So with no name or receipt to link these cards to me, I cant claim them!! I would like the money back that was rightfully mine and I have the 2 gift cards. Why cant I get the money?
Consumer complaint received 2023-05-19
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. (SC)

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. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX XXXX XXXX {$80.00} XXXX Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX, XXXX XXXX Experian XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I respectfully express my continued disagreement regarding the inclusion of the following account in my credit report, notwithstanding the outcome of your initial investigation. I am compelled to request an immediate re-investigation into this matter due to the significant adverse impact these inaccuracies have on my credit standing. 

Creditor : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) I kindly request the disclosure of the names and business addresses of each individual involved in the previous verification process. This information will enable me to pursue appropriate follow-up actions. 

Furthermore, I request that you provide me with an updated copy of my credit report subsequent to the completion of your reinvestigation. 

Your prompt attention to this matter is greatly appreciated. 

Attached is a sworn affidavit along with a front and back copy of my identification for verification purposes.
Consumer complaint received 2023-01-27
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. (LA)

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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

I get a notice from experian yesterday saying ther is a new address on my account which is a lie, I have lived at this address and this is the address they have had but its all retaliation
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WV)

I am concerned with predatory practices which took place over 20 years ago. I was a federal student loan recipient and when I graduated from medical school I was told to consolidate. I chose AES to do the consolidation. As a 20 something who was facing 100K+ student loan debt I agreed to go with the company. I did not realize that I would never be afforded the same rights and protections as a federal loan recipient. I have been dutifully been paying for 20 years and had to refinance part with another lender last year for better interest rates. They would never speak with me about lowering interest rates, and split my payments so the majority went to interest. After 20 years I still owe approximately XXXX. On several occasions through the years my payments were misapplied ( due to my online bill pay being used and not their website ), and when I called they were " fixed ''. I also had to go only to their website to pay or they would split payments. When I requested a full transcript last year during refinance none of these errors were noted. I feel like they have adjusted the transcript to not accurately reflect my account. The one loan I could not refinance is because they say it was not an education loan. They would not admit that it was for a XXXX XXXX Assistance XXXX ( XXXX ) as it was used to pay off a XXXX loan. So its a new loan and I had to keep it with them! I don't know what to do besides to keep on paying however when I read about your department today i thought I would report it. I figure I am stuck and I understand that but I believe AES/PHEAA were dishonest with me years ago to my detriment and the detriment of my family.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (CA)

I received an auto loan from GM Financial in late XXXX. I was in an accident ( only I was involved ) and because of the area of impact on the vehicle, it was declared totaled by XXXX XXXX and XXXX XXXX. I called gm financial to extend the payment date but was told I still had another 30 days before delinquent charges, plus the 7 days makes 37. I didnt know I was supposed to file a second claim with my XXXX XXXX XXXXXXXX XXXX which is now underway. XXXX paid all but the extended warranty ( that I attempted to cancel ) key and XXXX XXXX ( I have the key ). In the mean time, GM financial has charged me over the last three months and I do not think this is fair. Especially since Ive been told different things from more than one representative there and that I thought XXXX  was to reach out to me. Thank you and best regards, XXXX XXXX.
Consumer complaint received 2018-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (IL)

I transferred XXXX Litecoins into my account which shows up as a transfer in but afterwards I was unable to sell or transfer out any and It does n't show up in my balance either. It seems they have frozen these coins and have not responded as to why or what I need to do to get them released.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (SC)

The week of XX/XX/XXXX I sent a letter to XXXX, XXXX, and XXXX to verify/validate a debt that is on my credit reports. XXXX sent a letter the week in XX/XX/XXXX stating this debt was under investigation. I never received any notification about this debt being verified or validated from none of the bureaus but on XXXX this account is showing as closed, XXXX and XXXX it 's showing disputed by consumers. Diversified failed to verify or validate this debt for account XXXX
Consumer complaint received 2023-01-27
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 XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Permanently Delete the Accounts
Consumer complaint received 2023-05-19
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)

My name was reported incorrectly. I have several disputes open currently. I have credit accounts in my name that were obtained fraudulently and other things from checking my credit report on XXXX. Someone changed my last name to be reported by something I have never gone by and is associated with my biological grandfather 's last name. He passed away within the previous year and I am afraid someone is using my info or trying to obtain my information from multiple agencies.
Consumer complaint received 2021-05-21
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: BARCLAYS BANK DELAWARE (NY)

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. BRCLYSBANKDE Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Consumer complaint received 2020-04-14
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: Early Warning Services, LLC (GA)

Early Warning Services is reporting that I committed checking account fraud. I have never committed fraud against any Financial Institution. Also, this company has a address listed on my consumer report that i have never been associated with. I have filed a police report and also I am a victim of identity theft.