davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX ] Account Number : [ XXXX Reason : [ account is closed need late payments remove I'm not responsible of this account info, can I get this off my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX  ]
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: EQUIFAX, INC. (FL)

I have disputed an account fraudulently opened under my name, XXXX XXXX. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved
Consumer complaint received 2022-12-10
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. (CA)

XXXX XXXXXXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.
Consumer complaint received 2022-10-21
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. (FL)

According to the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-28
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. (NY)

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete this account : XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

My escrow had been thrown off due to taxes and insurance being incorrect. After fixing the issues within hours of the problems arising, it has been nearly 7 months and the issues have not been fixed. The bank Ameris Bank has raised my payment nearly {$300.00} the original Payments. Now, after having done the escrow analysis several times, and now issuing a refund check ; they still have not lowered my payment to the correct amount and expect me to pay the elevated payment. They know the payment is incorrect but refused to fix it.
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-12
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. (VA)

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL HAS VIOLATED MY RIGHTS! UNDER 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 ) States : A consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 conviction of crimes which antedate the report by more then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My unblemished credit has suffered a sudden, surprising, and stubborn impediment, which now imperils my timely repayment of obligations taken on to get through the COVID pandemic, and which I am sworn to honorably achieve. 

In XXXX, XXXX, XXXX reported an old account of mine, for XXXX XXXX XXXX, closed since XXXX, to all three credit bureaus, showing an Adverse unpaid balance. This balance accrued from false and fraudulent charges and fees some for services not rendered, some for service tier changes made against my instructions, some for billing contrary to sales pitches, etc. I had made regular ongoing payments for legitimate charges, but had refused those which were unethical. My vigorous good-faith efforts toward remedy were of no avail. 

I disputed this Adverse Entry with the bureaus. Their 'investigations ' yielded nothing beyond the likes of, " We contacted the company for them to investigate your dispute. The results are : This creditor has verified that the current status is being reported correctly. '' I agree the false fees are being reported exactly as they were originally falsely charged. Of course XXXX denies their unethical conduct. But their misconduct is not my responsibility.
Consumer complaint received 2022-11-26
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)

XXXX, Experian ad XXXX were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXXXXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate. 

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-09-28
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (CA)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc. (TX)

I have filed numerous disputes both online and in writing with XXXX, XXXX and XXXX for the item below. I called the company reporting this on my credit and reported this as fraud and then insist the debt is mine and refuse to supply the information required by the FCRA section 609 and 610. I have no first-hand knowledge of this account and do not live in the state which the debt collector alleges I originated this debt and then attempted to shift the burden of proof on my for something I can't prove or disprove except that I can't have a pet because I have an XXXX against having a pet since I was born and therefore was perhaps an act of identity theft. The company suggested I get a police report and submit that to them except there is an issue with the police being unable to take a report out of their jurisdiction and when attempting to get a police report from an office in the jurisdiction where the act of originating a debt occurred since I'm not a resident can't file over the phone and must be in person. I can't spend money and take time off work to travel to South Dakota to obtain the needed report which may or may not be cause for this agency to remove the defaming item from my credit reports so I'm filing a complaint against all three credit reporting agencies for willful non-compliance of duty on the FCRA guidelines as they are supposed to prove the alleged debt is mine and if they can't must remove all references of it on my credit report. 

HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Retail Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  E Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$450.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$920.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information Please take whatever action needed to get these four agencies to remove the item from my credit report as this is not mine and it's keeping me from using my credit in the most efficient way. 

I have no knowledge of this company and never agreed to do business with them or their client noted herein and am being told to take action to verify something I have no firsthand account of but instead third-party foreign to me telling me what the matter pertains to. By law of agency and law of contract, I can not be bound to bear the burden of proof in this matter because I have given no consent for service of either of these companies. 

This matter has been disputed with the three credit reporting agencies for the last 2 years with letters and online disputes of which the credit reporting agencies can validate.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Both our online checking and savings accounts with Citibank were hacked into the night of XX/XX/XXXX. A fraudster posing as a Citibank XXXX first called our son, then got us on the line. Using XXXX, he managed to empty our checking and savings accounts first. 
Then a personal loan was immediately opened in my name, and that money was also sent out through XXXX. 

XX/XX/XXXX : the following transfers were made to XXXX : {$2400.00} {$2400.00} {$2400.00} XXXX : {$2500.00} {$2400.00} {$2500.00} {$2400.00} {$2400.00} {$1200.00} Also, on XX/XX/XXXX, they opened a personal loan thru Citibank under my name for just under {$7000.00}. 

Our entire savings account and checking accounts with Citi were emptied, and this personal loan was also spent. I spent countless hours calling Citibank on Saturday XXXX, trying to figure out what had happened. Finally on Wednesday, XX/XX/XXXX, again after being transferred from numerous Citibank departments, I was connected with Disputes. It was then we were informed that the " initial Citi XXXX XXXX '' had been the one perpetuating all of the fraud. Obviously I was sickened to hear that we were scammed this way. We are not wealthy people by any means. I then had to file dispute charges on every XXXX charge that had been put through, and was told it could take up to 45 days to have resolution on this case. Also no guarantee that these funds will be restored to us. 

I was also told that I had to contact the Citibank loan department separately to dispute the personal loan taken out in my name. That was more hours spent on the phone being bounced from department to department. Finally on Friday XX/XX/XXXX I spoke to someone in personal loans who said an identity theft package would be mailed to my home hopefully within a week. So in addition to losing all of our money, I am now being held to repay a loan of {$6800.00} that was granted in my name to these criminals. 

Citi did " provisionally '' reverse {$4900.00} of the above XXXX transactions to our account. But we have no idea what that means, and can't spend money that XXXX be taken away from us yet again. 

We are just beyond ourselves that nobody at Citibank or XXXX caught all of this suspicious activity going on. And of course I am very embarrassed that I was taken in by this scam, I thought that I was a much savvier consumer. These crooks were very sophisticated, calling from a XXXX number, sending " Citi '' security codes and texts " reversing '' the XXXX charges to our accounts, etc.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (SC)

The letter that was written to the third party was on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for Aspire Credit Card I am writing in response to your recent letter dated [ date of their response ], regarding the verification of the account referenced to the Aspire Credit Card XXXX I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the credit card in question or provide concrete evidence linking me to this account. I remain unaware of any association with Aspire Credit Card, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-28
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. (NJ)

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.

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.