davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see repetitive 30 days late marks on my report, I was never late on this account and I've tried many times to contact with the creditor but they never responded with my concern.
Consumer complaint received 2023-05-08
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-13
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (NY)

On XX/XX/XXXX I was honorably XXXX from the XXXX XXXX, unfortunately I was not able to find employment fast enough to keep my Military Exchange Credit   Card active. This account is allowed for military personal who can shop at any military exchange ( store ) AAFES, MCX, NEX etc. I am being charged a collection fee on top of my debt and interest ( understandable ) with the Military Exchange, these fees are {$1000.00} 's of dollars on top of the original debt. I've asked for numerous statements and have finally received one for XX/XX/XXXX. In the attached statement you will see that only {$310.00} have been accepted, however you'll notice my personal checking receipts equating to {$370.00}. This has happened every time I've made payments on the account. Almost as if they're stealing the Military Exchanges and my money, as the statement from XXXX shows on pg 1 {$310.00} in payments and {$0.00} in fees. I can not provide exact amounts as XXXX XXXX is only directing my calls to XXXX XXXX XXXX whom has not called me back. On XX/XX/XXXX I submitted a claim to FederalReserve.gov to help on this matter, XXXX had told me they would provide statements, and that the fee is not able to be removed. I feel that this is in violation to the Fair Debt Collections Act 15 U.S.C. as I never agreed to a collection fee nor would any human being on the planet. I own up to this debt and as such have made numerous payments, but with this type of theft my debt will never be paid in full. This fee is not a fee due to charging by checks or debt. No explanation to an agreement on this fee has been sent or agreed upon. I've also contacted the written correspondent which the billing statement shows to contact and they have no idea why.
Consumer complaint received 2020-06-18
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$11000.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$580.00} XXXX  XXXX {$280.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (TN)

Credit control LLC. Called me to inform me they had just bought my debt from XXXX I owed XXXX XXXX dollars credit control called me saying my balance was XXXX and I have documents showing it's not then they told me it's because a debt collection fee it went up that much
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I just received a statement from XXXX XXXX and it shows Navient Solutions disbursed 2 loans in the same months, one for XXXX and one for XXXX. These are disbursements were never paid and if they were it was fraudulent. I did not receive excess funds, nor have I ever went to a college that charged that much for tuition period. I was taking, at the most 3 to 4, 3 credit classes at about est. {$200.00} a  credit. At the most it should have XXXX $ a term, never did i apply for full year loans. I do not owe this money and the loan companies are doing nothing. I do have legitimate loans and have been making payment, only to see my balance increasing every month. I understand that is my responsibility, but the 2 amounts placed on my account by Navient are fraudulent and theft. Either intentional on their part or a form of predatory lending, as I was never notified of this cost/disbursement. I would like proof to which university was paid, for what they were paying. I am either owed additional course work for free or these to 2 amounts removed or updated to reflect the ACCURATE amount. If you look at ALL the past loans i have receive you will see the major discrepancy.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (KY)

Mine isn't about calls but I didn't have an option to chose that worked. I have debt that is owned my multiple companies at once. XXXX XXXX sold my debt to LVNV once they were asked to verify the debt. Now I have the debt showing its owed to 2 companies at once. It was also the same with a company called the Bureaus. I had a lawyer contact both XXXX  and Lvnv and it stopped for a while. Now I am getting letters from Resurgent saying I owe the same debt again.
Consumer complaint received 2023-12-26
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (MN)

I have a XXXX conventional mortgage closed and serviced by AIM Loan, with their corporate address being listed as XXXX XXXX XXXX, XXXX XXXX, IL XXXX. The loan was initiated in 2012, is current in all respects, more than 50 % payed off, and with a remaining LTV of less than 30 %. I live in the state of Minnesota. The loan terms and state statute provide the specific authority for me to remove escrow, given the above facts. 

I have repeatedly engaged AIM Loan through their preferred communication approach : AimLoan.Com. I have made 4 separate and distinct attempts to request that AIM Loan provide instructions for removing escrow. In all cases, AIM Loan confirmed receiving my request but then failed to subsequently respond. I have attempted to resolve this issue with AIM Loan for over a year. 

Given AIM Loan 's violation of both loan terms and state statute and their unwillingness to even respond to the requests, I seek CFPB 's engagement. I would ask CFPB to assist in requiring AIM Loan to provide specific instructions and facilitate removal of escrow per my repeated requests. I also ask that CFPB and it's partners take enforcement action against AIM Loan including restricting their ability to offer financial services to consumers until they are able to respond in a timely manner to all consumer requests.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CT)

I owed the Dr {$87.00} and was paid on XXXX To the Dr office receipt XXXX and Capitol accounts wants me to pay they {$18.00} more for Interests Was told it was not allowed by North Carolina state For them to charge me
Consumer complaint received 2017-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (DC)

Chase has closed my card ending in  XXXX  after filing disputes with them for t  he 2nd time in two months today.
Earlier on I pointed out that Chase went on the record lying about the status of several disputes &   then contradicted the earlier finidngs. I have attached the letters for your review and the proof of returns associated with the  XXXX  dispute.   Documentation was sent to the online chase.com customer messgae center and the content of the letter from phantom employee "  XXXX   XXXX  '' was an attempt to deny the disputes.   I want copies of all documentation this ghost used to arrive at " his/her/gender neutral '' opinion and the money refunded to the balance immediately.   As me balance is in dispute these bandits are preventing me from paying off the account.
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

i got a phone all from an a debt collector that i was paying off medical bills then the night of the XXXX of XXXX they call me at XXXX XXXX. i have a screen shot of the time i received the missed call. my number is a Nevada number but live in Tennessee and that is where the medical bill is from as well.i have talked with these people in the past and they know that i am in Tennessee.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, 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. (OH)

DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS DO NOT BELONG TO ME! 
I WILL LIKE FOR THEM TO BE REMOVED THANK YOU.
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that  is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (NV)

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 accounts 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 accounts XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00}
Consumer complaint received 2023-05-08
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-02
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. (FL)

I sent a letter to Equifax on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.
Consumer complaint received 2023-12-26
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I recently sent letters over 45 days ago to these bureaus and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still no response.
Consumer complaint received 2023-12-26
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. (FL)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (PA)

I am filling this request several credit inquiries that were unauthorized to be removed from my credit report. They are as follows. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (FL)

I paid this off on XX/XX/XXXX I had paid for deletion. They told me they were going to remove it and reverse it after their payment. They lied to me theyre very untrue for they never ever updated my payment I made on XX/XX/XXXX.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, 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. (GA)

XX/XX/2020 I submitted certified letter to Equifax stating that I have fraudulent activity on my credit report which consists of numerous inquiries that i did not authorize some even are duplicated from the same companies. 
XX/XX/2020 The dispute was closed and the fraudulent inquiries remained on my credit report.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is showing a freeze on my credit report which I have requested removal online several times only to receive error messages and by calling in only to be told the error message, which is on error on their side, must be corrected by a US team. Problem is this team that has to fix is in the US office which is closed with an unknown date for returning to the office. This is an issue because I am trying to do things and can not get approvals because this credit report still has a freeze on it. This is a nightmare and I'm sure it is affecting millions!!!! 

How can Transunion not have an effective business continuity plan at this stage to continue operations? I work for a major financial institution and if they found a way to conduct operations, even those that have a high risk profile, any can resume operations such a company as Transunion!
Consumer complaint received 2023-01-08
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. (MI)

In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX {$22000.00} 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 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.

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 then seven years.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I have filed a complaint already against Barclays, but realized there were many more details I did not include. This is for the Barclays Aviator rewards card. I had a boyfriend named XXXX XXXX who took my credit card and booked travel in my name and in his. I had no knowledge of it. He did it so he could travel on his own at my expense. The booking was also put in my name is so it did not seem suspicious to the bank. I had auto pay set up so I never even looked at the charges and knew nothing about it until several months later. I put all the charges in dispute with Barclays. It was successful but months later many creditors rebilled. Due to the Covid virus all the airlines were demanded to refund the tickets. This was after XX/XX/2020. Barclays would not repopen the disputes as they said it was already disputed. As mentioned the law took affect months after my dispute. I have called the bank on at least 30 occasions. This was to be submitted as FRAUD they would not put it in FRAUD as they said I knew the perpetrator. I called all the airlines and they said they already issued refunds.. Barclays is stating they never got refunds. I have never had so much stress in my life. I had to close down a XXXX line of credit as working with this bank has been the worst experience in my life. Please help me resolve this dispute with them.