davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : WF/Dillards - XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Totota Mtr - XXXX ( XXXX ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (NV)

I filed a complaint with all XXXX credit bureaus about Kovo XXXX XXXX. This account is not mine and was not opened by me. I have already filed an identity theft report involving this account. The credit bureaus have done nothing to help resolve this issue or remove this account, neither has Kovo.
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (IL)

I tried contacting Regional Acceptance Corp on serval occasions, regarding the Charge-off remark I have remaining on my credit report. I was in an accident and my car was totaled. I no longer have the car. However, they put this derogatory remark on my credit and I have tried contacting them several times in attempt to submit payment. I called several times to speak with a manager never heard back and sent emails last year in XXXX as well. I was told by a rep I could submit payment for the charge off remaining amount and have the remark removed from my credit. However, before doing so I requested they put what they're saying in writing, and I will submit payment. I never heard back. This is a huge inconvenience. They are responsible for this remark therefore they have the access & authority to remove it. I do not want to pay them and then they don't remove the remark from my credit report. I've done my own research and typically with charge-offs are successfully paid, the company contacts ALL three-credit bureaus and request for them to remove the remark from the consumer report. The professionalism with them is horrible and their customer service department is awful. They say one thing and do another by transferring me around and never follow-up with me. I expect better. This company doesn't have a XXXX rating for nothing! The accident was not my fault and now I'm being penalized although I'm trying to rectify the situation that happened years ago in XXXX!!.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (IL)

I never have email communications only with any of my financial dealings ever. I always get statements as well. 

American Express states their policy is their policy ... ... ..... 

If an email only communication is not good enough for me, so be it. Sucks to be me ... ...... 

Or, after you reach a certain stage in your life, will all financial institutions do this email verification to make sure you are still alive because mail can be intercepted? 

They should say so if that is indeed the case. 

In this age of email scams and electronic identity theft? Seriously? 

I read mail. I would even respond to a text message telling me to contact AM EX immediately regard my credit card. That is simple as the text message is not asking any information, just to contact the card carry services of which numbers are on the cards.

I deal with so many email communications at work and at home that is minimized, that is why I do not do it at home. I get mail at my XXXX XXXX , a safe secure location. Where I get all of my other banking and credit card statements. 

And, after the end of each phone call over the past two days, the " ultimate insult ''. 

" Thank you for being a loyal customer for the past 21 years ''.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX XXXX XXXX XXXX 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 2017-11-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, XXXX I contact XXXX, Experian, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.
Consumer complaint received 2022-10-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prince Parker & Associates (LA)

I paid my account off with XXXX and plan to use them again but Prince Parker is still trying to collect a wrong debt. I talked with Prince Parker with them still reporting to XXXX XXXX to hurt my credit.XXXX told me they told Prince Parker to stop collection but they haven't to date.They just reported to XXXX XXXX on XX/XX/XXXX again a negative. Please help me.thank you
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On or around XX/XX/XXXX XXXX XXXX approved financing for an inground pool. XXXX XXXX posed as the Owner of XXXX XXXX and signed the contract to have the pool installed. He installed the wrong size pool and the pool also had damages. I notified XXXX XXXX about my concerns. XXXX XXXX came out to to measure the pool and inspect the pool damage. He confirmed the pool was smaller than the contract and confirmed the indenture defect at the bottom wall of the pool. He stated the damages were repairable. He insisted on a XXXX credit. He said he would amend the contract to reflect the credit. The third and final payment to XXXX XXXX from XXXX XXXX was put on hold after notifying them about the problems. XXXX XXXX sent XXXX XXXX the amended contract and XXXX XXXX wouldn't except it because it wasn't signed by XXXX XXXX or myself. I informed XXXX XXXX we didn't want to receive a credit for the pool problems. My wife and I wanted the pool removed. He refused to remove the pool. XXXX XXXX tried to get me to sign new loan documents and asked for me to consent to another credit check to extend the construction period. I refused. XXXX XXXX representive XXXX XXXX wrote in an email stating XXXX XXXX didn't work for XXXX XXXX. She explained he was a XXXX XXXX buyer and he wasn't authorized by XXXX XXXX to approve him as a contractor. She also stated in an email that the only reason XXXX XXXX contracted our pool was due to the timing of our project. XXXX XXXX explained in an email between XXXX XXXX and myself that XXXX XXXX owner of XXXX XXXX let XXXX XXXX use his license to install our pool. XXXX XXXX didn't sign the contract. XXXX XXXX have on the contract a XXXX dollar fee for permits in the county of XXXX South Carolina. XXXX XXXX Tax Assessors office dont have a permit on file. XXXX XXXX reported a balance of XXXX dollars on my credit report XX/XX/XXXX with the beginning balance at XXXX making it appear to the credit reporting agencies I paid XXXX toward the total amount of this loan. XXXX of XXXX and XXXX and XXXX of XXXX XXXX reported I paid as agreed and wasn't giving a late payment for those three months. I disputed the inaccurate information with the credit reporting agencies. I explained the situation. They said the information they had was valid. On or around XXXX a 30 day late payment was showing on my credit report. Now it's showing 60 days late and my credit score has dropped XXXX points. Can you please help. I'm seeking legal counsel and hopes of getting this situation resolved as quickly as possible.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX - At XXXX I received a call from a number that matches the Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The call was a phishing scam perpetrated by someone claiming to be a Chase representative. The caller asked me to verify if I had made a purchase with my debit card at a XXXX XXXX in XXXX, AZ which I promptly denied. I was then asked to verify my card information, not knowing that this was a scam, and my card information was leaked to the caller. I go to check my accounts on the Chase app to find that multiple ATM withdrawals were being made immediately after the phishing call ended at the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, IL. In total, XXXX separate withdrawals were completed of varying amounts totaling {$1400.00}. Why was this not flagged as abnormal financial behavior? I froze my card, called Chase and was able to file a claim to have these funds reimbursed upon further investigation. I received a new debit card. 

XX/XX/XXXX - I received a letter in the mail from Chase saying that after their investigation it was found that these transactions supposedly were authorized by me, and the claim was denied. This is utterly false. I was then sent chasing after various Chase representatives on the phone who were unable to provide adequate information about how to proceed with appealing the claim. Nor was I able to access any higher-ups. I was simply told I needed to providing supporting documentation to my case without any indication of what type of information I should seek to provide. 

XX/XX/XXXX - I met with a representative at the XXXX XXXX XXXX branch in XXXX XXXX, IL in the morning. The representative called claims to see what could be done. Since I " willingly '' leaked the information, nothing could be done as per the funds being reimbursed. Furthermore, it was stated by claims that only half of the ATM withdrawals were included in the claims which is indicative of the carelessness of whoever filed the original claim since I explicitly stated each transaction that was to be included in the claim. A complaint was filed with Chase, and I await to speak with corporate to open a new case. This is extremely disappointing as a Chase customer and I feel unprotected as a result.
Consumer complaint received 2023-07-05
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor XXXX 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 2023-01-19
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: EQUIFAX, INC. (NJ)

This is my 9th 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 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