davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I was notified on XX/XX/2022, by XXXX XXXX XXXX that someone had fraudulently used my identity to secure an Ink account in my name on XX/XX/2022. They closed the account, and I have been chasing ripples from my identity theft since. 

I have made a police report to my local police department, XXXX XXXX MO XXXX ( XXXX. XXXX XXXX # XXXX, report # XXXX ), and I have submitted an Identity Theft Report ( # XXXX ) to the FTC. I have frozen all of my credit reports, and have placed a 1 year fraud alert on all three of my credit reporting accounts. 

In reviewing my credit reports from the 3 major consumer credit reporting agencies, I noticed a hard inquiry from Bank of America dated XX/XX/2022. This was not me, it was an inquiry generated from the identity theft. I disputed the inquiry, since it was due to the identity theft. BOA reviewed their records and confirmed that the information they reported to the consumer reporting agencies is correct. They will not remove the fraudulent inquiry from my credit report, and consider the dispute resolved.
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (CA)

On Friday XX/XX/2022 I received a letter in the mail from XXXX XXXX ( ATTN : Credit & Order Operations, XXXX XXXX XXXX, XXXX, FL XXXX ) that has two credit reports listed that are ran in my name, both of which I dispute, but more importantly I never authorized XXXX XXXX to run my credit and I never applied for wireless service through them which is stated in the letter as the reason for the two credit reports. The whole letter looks suspicious but again most importantly XXXX XXXX was never authorized to run my credit. The is an application number listed on the letter but like I said before I never made any application to XXXX XXXX that would warrant a credit check. I have XXXX XXXX pre-paid phone service, so the whole situation is extremely suspect/strange. The credit reports listed are from XXXX XXXX XXXX XXXX Experian.
Consumer complaint received 2022-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NY)

I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX and ALLY Financial on XX/XX/2019. A consumer credit Transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX took cash stating it was needed to move forward with Ally Financial. The Finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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. (CA)

On Friday XX/XX/2022 I received a letter in the mail from XXXX XXXX ( ATTN : Credit & Order Operations, XXXX XXXX XXXX, XXXX, FL XXXX ) that has two credit reports listed that are ran in my name, both of which I dispute, but more importantly I never authorized XXXX XXXX to run my credit and I never applied for wireless service through them which is stated in the letter as the reason for the two credit reports. The whole letter looks suspicious but again most importantly XXXX XXXX was never authorized to run my credit. The is an application number listed on the letter but like I said before I never made any application to XXXX XXXX that would warrant a credit check. I have XXXX XXXX pre-paid phone service, so the whole situation is extremely suspect/strange. The credit reports listed are from Equifax Information Services XXXX XXXX.
Consumer complaint received 2022-04-23
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. (FL)

I check my credit report and saw inaccurate information on it I've called and mailed letters and nothing has been done to remove the inaccurate account I spoke with an agent who stated that Transunion does not investigate accounts they just mark them as accurate Transunion shows Multiple Accounts that are not accurate and Multiple Hard Inquiries and personal information is not accurate as well they have not responded to any letters and it been three months
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've requested four times over the course of the last 3 years to have erroneous information removed from this TransUnion Eviction Report and they refuse to correct the errors further violating my rights, causing me multiple damages to include : preventing me from renting any properties, being denied multiple times and having to pay and lose rental application fees, and I'm currently residing in a hotel. 

Clearly ; how could I've been evicted from a property ( 4 ) times over the course of 10 years but still allowed to stay - further having made all payments ( sometimes late ) but paid in full. Also, there's an additional " erroneous '' eviction reported as of XXXX, XXXX ; however, neither XXXX XXXX XXXX, MD Case Search has ever shown this nor could this be possible because I moved out of that community on XX/XX/XXXX which is also displayed ( circled ) on the general ledger provided by the Leasing Mgr. and dated XX/XX/XXXX - in addition to the letter stating that I've never been evicted from that community or any community. 

XXXX also known as XXXX XXXX XXXX forwarded updated information to TransUnion in XXXX, XXXX ; however, they continue to illegally report this false information and will not remove it.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

Pulled a Credit report as a precursor to buying a home onXX/XX/2020, and found this company was reporting a medical debt on my credit report. for an amount of XXXX As I have not had any communication with this debt collector ( including but not limited to calls, Official letter etc ) I contacted them via Telephone on XX/XX/20 using the number on the credit report, only to be met with abusive Language and a demand for payment, I verbally requested them to send me proof of this alleged debt and was again verbally abused with a refusal saying they had no obligation to provide that and that I had no idea what I was talking about when stating the fair debt collection and fair credit reporting acts, and that I should just shut up and pay as its only x amount. 

At this point I hung up the phone and typed up a debt validation letter and sent it via tracked USPS with signature verification. ( tracking number : XXXX ) They have since received the letter on XX/XX/2020 and have yet to Send any communication back. They have however been calling my phone so much that I have had to block their number, I was receiving an upwards of 15 calls a day Starting at XXXX and going beyond XXXX and on sundays! 

as a debt collector myself I do know how highly illegal this is
Consumer complaint received 2022-04-23
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-23
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-23
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 Fair credit Reporting Act XXXX XXXX Account # XXXX Has violated my right as a consumer. 
I never initiated nor authorized this account to be on my report.

15 USC 1681 Section 602 A states my right to privacy consumer reporting 15 USC 1681 Section 604 A states Agency Can not furnish my Account without my written instructions.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with Fair credit Reporting Act XXXX XXXX Account # XXXX Has violated my right as a consumer. 
I never initiated nor authorized this account to be on my report.

15 USC 1681 Section 602 A states my right to privacy consumer reporting 15 USC 1681 Section 604 A states Agency Can not furnish my Account without my written instructions.
Consumer complaint received 2024-02-20
Product: Credit reporting 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

Reported fraud cause a family member fraudulently opened account with Wells Fargo and I immediately called and a lady named XXXX opened a new one to get my income tax money back and the account was accessed again after reporting fraud and updating address and contact information she changed to hers again went into a branch was told they are closing the account and sending my money to the fraudster cause that is the address on file some justice has got to be done I have driven 5 hours back and forth several times trying to get my money back I get told to go in a branch and leave empty handed please help me
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I received notification from XXXX XXXX of a collection on my account. I reviewed it and determined this was for someone else. I called IC Systems and was told they could not help me and I had to get this resolved on my own. 5 minutes later I received a call from IC Systems and a different person was calling me to collect the debt which is not mine. The name they asked for is not me. I advised I had just called them a few minutes prior and was displeased that their company was not going to assist me in getting their error resolved. The woman I spoke to was uninterested and was not very polite nor helpful. 
XXXXNote : IC Systems appeared on my caller ID numerous times previously however, due to all of the spam and sales calls I receive I never answered their calls. IC Systems never left a message for me to signify who they were calling for or why they were trying to reach the individual they were looking for. The only similarity I have with the person they were looking for is the same first name.
Consumer complaint received 2022-04-23
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. (GA)

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

XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX 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 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX 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 2022-04-23
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-23
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: CLGF Holdco 1, LLC (FL)

Hello I have been contacting Indigo XXXX XXXX for a few months now. Last time I used the card was XX/XX/2021 with a XXXX balance. I login to their online portal it shows {$0.00} balance I have screenshots and it also shows the last statement was in XX/XX/2021. I contacted them last month because I received a letter stating I owed {$250.00} when I shouldn't owe anything. Due to this card my credit has been dropping significantly and has been affecting it. When I called I expressed my concerns to the Rep at Indigo than requested a supervisor. When I spoke with the supervisor she said she would open a dispute with the Credit Bureau so they can investigate. I look at my credit report and now it still shows I owe {$250.00} and Im late the past three months. Yet I had requested a new card three months ago still havent received it nor has there been any transactions. I am not sure what else to do. I have been trying to rebuild my credit and nothing has been resolved I have all screenshots and I am able to download all statements.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX XXXX XXXX sent me a statement for my last payment coming up. The payment was high because I did a 3 month deferment during COVID. The payment was due by XXXX XXXX I know I could not make the big payment all at once so I spread it out through the month. I made the final payment onFeb XXXX XXXX. I check my account on the XX/XX/XXXX XXXX dollars Balance. Check my credit report and I notice I have a 30 days late payment from XXXX XXXX. Call XXXX XXXX  they tell me because I spread the payments out it cause me to have interest of XXXX cents. This drop my score down XXXX points. I disputed with Transunion and they only gave me XXXX points back. Which this made my score in the mid XXXX. This is not good. This has happened before and I never received my points back after I dispute and they find its not my fault. Please help get my points back. Im in the process trying too buy a car. With a XXXX credit score my interest rate will be high.
Consumer complaint received 2023-10-23
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: EQUIFAX, INC. (NE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

Hi I have updated information regarding a formal complaint # XXXX. 
The company was sent a final invoice and affidavit showing their wrongdoing. They stated they obeyed FDCPA and other State Laws. They did not! I'm enforcing my rights to hold them accountable and receive my monetary compensation for each violation that injured, damaged my reputatuion and financial livelihood. 
Once again I'm acting in good faith, striving to keep this mater out of court. Going to court will cost them more in fees and all damages I did not add to the invoice.
Consumer complaint received 2020-02-20
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. (GA)

upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.These accounts have to be removed.