davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
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. (MD)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America charges overdraft fees to XXXX XXXX account balance is low. I got charged {$70.00} worth of fees on XX/XX/2021 when a check payment went out and as a result the account balance turned negative. As a result of a XXXX emergency the same day I was unavailable to transfer the money from another BOA account to my checkings account. My XXXX  and I have other accounts with the bank as well and they always have funds but BOA does not provide automated transfers to the account with low or negative balance without charging another fee. So you end up paying fees no matter what. I want BOA to refund me {$70.00} for the over draft and XXXX assisted fee as soon as possible. 



XX/XX/2021 Show additional information for activity type bank charge XXXX XXXX XXXX XXXX XXXX XXXXF XXXX CHECK # XXXX POSTING DATE ... activity type bank charge status type iXXXX XXXX XXXX. Select to mark activity type bank charge XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX CHECK # XXXX POSTING DATE ... as Reconciled XXXX XXXX XX/XX/2021 Show additional information for activity type debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX activity type debit status type icon cleared Cleared. Select to mark activity type debit XXXX XXXX Assisted XXXX XXXX XXXXXXXX XXXX XXXX Confirmation # XXXX as Reconciled XXXX XXXX
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-17
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX Fraudulent/Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Norwich Commercial Group, Inc. (CT)

In XX/XX/2021 I extended my forbearance to what I believed was XXXX. I was later told it was XXXX. First week of XXXX I called and reapplied for forbearance until XXXX since I had just started working. XXXX I got an experience alert that XXXX flagged my mortgage 180 days late. Even if the forbearance was until XXXX ( which I don't believe so I asked for the call to be pulledI ) I would have resumed payments in XXXX. How and I being told that I am in default and being reported 180 days past. XXXX is pulling some fraudulent XXXX!!! I spoke to a rude XXXX  woman who hung up on me after I continued to question the math. EVEN IF THE FORBEARANCE WHICH IS CONFIRMED WAS ONLY UNTIL XXXX SIMPLE ELEMENTARY MATH WOULD TELL YOU THERE ARE NOT 180 DAYS BETWEEN XXXX AND XXXX.
Consumer complaint received 2021-12-18
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. (RI)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. please remove! Pursuant to 15 usc 1681 ( a ) ( XXXX ). Reports must be in accordance with Consumer
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I had outstanding charges from XXXX for an unreturned cable box. That account is now in collections and shows on my credit report although I returned the cable box. I am requesting that the items from XXXX be removed from my credit report as they are not valid.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-18
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-18
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have absolutely no idea who this company is or why they are fraudulently furnishing derogatory information on my Consumer reports. I am demanding Columbia DEBT RECOVERY LLC DBA GENESIS Cease and Desist any and all contact with me the Natural Man/Consumer unless it is in respond to my inquires or regarding remedy for myself. I would also like Columbia DEBT RECOVERY LLC DBA GENESIS to provide me the information as follows : 1. Who is the ORIGINAL CREDITOR? 2. If this debt was purchased? What date was the credit file purchased from the ORIGINAL CREDITOR? 3. How much was this debt purchased for? 4. All Accounting Ledgers 5. Original Contract. Not a " redacted '' copy of the ORIGINAL CONTRACT 6. ANY and ALL information pertaining to this alleged debt. 7. I am demanding you Cease all efforts to collect this alleged debt until ALL discrepancies are RESOLVED in alignment with the LAW 8. ANY license you may have obtained that grants Columbia DEBT RECOVERY LLC DBA GENESIS to collect ANY DEBT in the state of TEXAS.
Consumer complaint received 2021-12-18
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: EQUIFAX, INC. (CA)

There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX
Consumer complaint received 2021-12-18
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. (CA)

There are multiple accounts on my credit report that do not belong to me these accounts were never authorized or opened by me I need these off my credit because they dont belong to me!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX CARD SER - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX XXXX BANK - Acct XXXX XXXX
Consumer complaint received 2021-12-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (UT)

I started a dispute with XXXX XXXX because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The XXXX XXXX XXXX XXXX XXXX XXXX refused to repossess a junk car. I tried to take the XXXX XXXX to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Earlier fraud reports to Bank of America. No resolution as of yet. Continued auto debits. Received an insufficient funds notice as of recent. Attempted contact as seen in attachments, though no resolution has been met. I have no way to update payment, regardless of debt being validated. Continued debits and lack of ability to accommodate XXXX related to XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experian 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. Please delete the fraudulent accounts ASAP.
Consumer complaint received 2022-02-11
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One lied to the CFPB. Their response was fraudulent and perjurious in case XXXX. 

The CFPB needs to investigate the answer given by Capital One. Capital One needs to have an actual security expert instead of a customer service representative answer the complaint.
Consumer complaint received 2023-06-12
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: American First Finance, Inc. (NY)

I have notify XXXX and the company responsible for reporting these account that they are Fraudulent and they need to delete these account from my credit report : XXXX XXXX XXXX XXXX XXXX and American First Finance
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (CT)

I sent in a verification letter on a item furnished on my report that was unauthorized on XX/XX/XXXX requesting the item to be verified to me and did not get any response or n otice and it has now been over the 45 day period allowed by the FCRA Guidelines 15 USC 1681i so the item must be removed. Equifax has violated me under 15 USC 1681e by not fallowing proper procedures. Equifax has violated me under 15 USC 1681b because i did not instruct them to report on my behalf. Equifax has violated me under 15 USC 1681L by reporting items on my report that are not verified. Equifax has violated me under 15 USC 1681j by reporting false and misleading items on my report appearing it to seem i have relationships with said company or furnisher when in reality i am not participating in said relationships. Under! 5 USC 1681o Equifax is liable for damages and remedy. I will keep record of all paper work sent and responses received incase of the matter of which court shall be involved. i seek for the disputed item to be removed and Equifax is willingly harming my reputation and that is against the FCRA.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I do not have knowledge of this debt. I have disputed the debt with the 3 credit bureaus at least 3 times, requesting proof that the debt is mine and or removal from my credit report. 

The collection agency is claiming a debt with XXXX XXXX, saying the account is recent, however ; I have been with XXXX XXXX and/or XXXX for >15 years. 

I called and requested proof of a contract or something I signed or agreed to. The collection agency sent me a document to report " identity theft '', and to provide a police report which is no applicable, as I did not have a XXXX account in my name, was not aware of the account, so no police report would be available.
Consumer complaint received 2021-12-17
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.