davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, ending in [ Last Four Digits of Account Number : XXXX XXXX ]. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as Experian, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in Experian 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that Experian will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance is reporting a late for XX/XX/21 that needs to be removed. I recently bought a car from them but don't understand why they are reporting a late for XX/XX/21 when I got this car in XXXX. I made my payment on time on XXXX and since then but there is no reason for me to have a late for XXXX. This is an error and needs to be removed.
Consumer complaint received 2021-08-04
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: Resurgent Capital Services L.P. (FL)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. This company has failed to investigate & obtain, as mandated by law, proof of such debts. They have had more than 90 days, which I have given more than enough time and more than 3 dispute letters were sent to resolve this. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2021-08-04
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: TRANSWORLD SYSTEMS INC (TX)

In 2001 when I started college I must have signed up for this private student loan which I hardly remember and from what I understood as a kid to be 5.5 % for {$10000.00} unfortunately come to find out years later when its in repayment they charge a variable interest on each payment which was not explained to me and I obviously didn't understand as a kid starting college. Payments are XXXX bucks XXXX XXXX gets applied to interest from what Im finding out now. Since then the payments are small so I never thought much of it, and they always say we cant send you physical mail, and calling to talk to someone is a pain if you ever get through, so as time goes on this gets put in back burner. Fast forward 20 years and this loan has only been paid down to {$7000.00}. I called them and told them I was a kid and did not understand this practice which looks a lot like predatory lending. They basically just said its a loan i signed and that's it. Offered no help no assistance other then an email to complain.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : USBK COURT XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX, XXXX, and Transunion is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, Transunion and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.
Consumer complaint received 2021-08-04
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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-31
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. (NC)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

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 2021-08-04
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

My soc sec XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX I am having issues with XXXX  and to get access to my acct I need first six statements of XXXX  or last six. The rest is XXXX man!
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

Hunter Warfiield has reported an account that is not mine on my credit report. I have been dealing with identity theft for the past year because I was a victim of a robbery. I have attached the section of which you are in violation of on the Fair Credit Reporting Act. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Also I have included a copy of my FTC report and my police report as well as my social and my ID. Please remove this fraudulent account from my credit report immediately as you are in violation of my rights as a consumer and I will seek litigation as the results are false information, misleading and inaccurate.
Consumer complaint received 2021-08-04
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: Bread Financial Holdings, Inc. (PA)

This item is reporting late as reported in my 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate thoroughly and please update for 100 % accuracy.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (UT)

UHEAA/ UTAH XXXX is reporting erroneous lates on my credit file. I have had my account in deferment and every time it would go out of deferment i would get a call asking if i wanted to go back on deferment. Unfortunately during COVID i was out of work and unable to make those payments which is why i kept deferring my payments. I wasn't aware that late payments were being reporting to my credit file until i recently checked my credit and saw that my scores dropped significantly due to those being reported. I was never advised that these late payments would reported as the account was in deferment i assumed everything was good. I would like for you all to remove the lates from my credit file. I was unaware of the late notations and my account had been deferred.
Consumer complaint received 2021-08-04
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. (TX)

This is my 4th time contacting the CFPC and my disputes are still not being handled by Experian, XXXX  and XXXX  ... Please investigate these negatives items and have them deleted. 

XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX  XXXX XXXX- XXXX-Unverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2021-07-28
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. (FL)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building
Consumer complaint received 2021-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (LA)

Auto loan settlement was paid in full, as agreed. 
30 days later a new bill, under the same acct number was mailed to me. Now stating there is a past due amount. The account has been paid in full, a month early. 

Radius global continues to verify the account is paid in full, yet continues to bill and report to credit bureaus that the account is defaulted and past due. 
On XX/XX/21, spoke to Mrs XXXX ( original contact person ) she stated it is an error and the account is in fact paid. She stated an email would be sent showing no payment is due. 
The company refuses to send me verificattion of a paid account, is reporting to the 3 major credit bureaus and continues to add late fees and unpaid amounts to a closed account. 
Radius global solutions XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX XXXX acct # XXXX
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (PA)

I notified XXXX  at a local branch that my Account had been skimmed while I was out of town. Unfortunately they still charged me for the transactions. I was recently declared a victim of identity theft because my information had already been compromised. I love trumark but I do feel that they mishandled my checking account by charging me for item I did not purchase as well as fees associated with this occurrence. I previously hadn't has any issues until this recent incident occurred.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NY)

On XX/XX/2021 I tried to book a business trip for myself and my colleague with XXXXXXXX XXXX for XXXX XXXX XXXX. They mistakenly booked us for the dates XXXX XXXX XXXX when I never authorized a transaction for the amount of {$980.00} for those dates. On XX/XX/2021 I called XXXX customer service to try to change the dates for the trip and spent 8 hours on hold, never getting through to a customer service agent from the merchants end. On XX/XX/2021 I opened a dispute with my bank at the time, US Bank to dispute the transaction. They opened a case and investigated it for the following weeks in XXXX and the last thing US Bank told me was that they found XXXX XXXX at fault and credited the money back to my account. 

As a New York resident and XXXX account holder, I decided to close the account since there are no physical US Bank branches in the state of New York. When I was visiting family in XXXX XXXX California, I closed the account in XX/XX/2021 after bringing the account to a balance of {$0.00} and paying overdraft fees to do so. The banked never told me that they were still investigating the XXXX dispute while I was closing the account. Since then, Ive been contacted by US Bank because they never finished the case and claimed they still need more information from my end. Every week I am getting multiple threatening letters in the mail that my ( already closed account ) is in the negative by {$980.00} and that if I dont bring the account to a {$0.00} balance they will keep this debt against me and keep contacting me. I have been trying to get in touch with their Fraud Department to clear this from my record but it has been impossible to reach the investigator from my case and every time they try to call me back it is from a random number which I do not recognize and I am in a meeting for work or in an appointment. When I try to call them back on the number they provide me with, the investigator from US Bank never answers my call.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2021-08-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been sick with XXXX  and had a XXXX XXXX back in XXXX. I was up to date on all four cards. When card number that ends in XXXX was due. in XXXX I paid to bring the balance down to {$12000.00}. Since that time I have been unable to work and had a reduction of income. In the meantime, for some odd reason Bank of America thought I was deceased. They were sending estate paperwork. I called them several times to get this rectified. Here it is XX/XX/XXXX and they have charged me {$900.00} and interest and fees. I called them last week and they advised that there is nothing they can do to stop the bleeding. They are charging me over {$200.00} a month in fees and late charges. This is the second time I have filed this complaint. I have called and left messages and nobody seems to care with the escalation department. I asked them to work with me. That said the account is only 1 month past due. Because it went to estate they have to wait another 5 months. In the mean time I am be hit with ongoing late charges and fees. It's not my fault I got the XXXX  XXXX and lost my income. I was never late until this mess happened. This company has no compassion