davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this message finds you well. I am writing to express my frustration and disappointment with the numerous attempts made to remove fraudulent items from my account. 

Despite multiple attempts and assurances from your representatives, the fraudulent items have not been adequately addressed. Each attempt to rectify this issue has been met with delays, conflicting information, and ultimately, no resolution. This prolonged and ineffective process has not only caused significant inconvenience but has also eroded my trust in your company 's ability to safeguard its customers against fraudulent activity. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary stress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : MO CHLD SPRT XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-01-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-06
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. (HI)

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I Have The Write To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
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. (GA)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2020-09-30
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. (CA)

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, Equifax and XXXX. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

XXXX XXXX
Consumer complaint received 2021-02-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC (MO)

On XX/XX/XXXX, I entered a consumer credit transaction for a car. This company has violated many of my rights as a federally protected consumer under Title 15 Chapter 41. According to 15 USC 1692g, Validation of Debts, this company failed to put in the initial communication ( contract ), the five ( 5 ) contents of debt listed in in the law, and they failed to send me a written notice with any of the following contents within 5 days. Only other reason they would fail to do this is if the debt was paid for. My failure to dispute the validity of the debt can not be misconstrued as admission of liabilty of the debt but allows the debt collector to assume its valid and I understand this. Therefore I disputed the debt with my Debt Validation letter that I sent the on XX/XX/XXXX, certified mail with a return reciept through mail. Certified Mail Reciept # XXXX. Return Reciept # XXXX. Along with this letter, I sent a Cease and Desist letter requesting them to zero out the balance on the account, to grant me my title lien free, to pay the attached invoice, and deletion from all consumer reports, and other important imformation ; an Invoice for {$21000.00} for 10 violations of my rights as a federally protected consumer. This price included {$10000.00} for they are liable to pay me, according to 15 usc 1692k, civil liabilty and the {$11000.00} was for the amount of money they've collected from me over this alleged debt, that if a debt is disputed, they must return all payments pursuant to XXXX5 USC 1692h, multiple debts ; and an Affidavit of Truth signed and notarized, stating violations as facts and sent proof along with it to state my claim. No where in the contract does it give this company permission to furnish credit information on my behalf, which is FRAUD. " Fraud vititates the most solemn contracts, documents, and even judgements. '' [ U.S. vs. Throckmorton, 98 US 61 ]. The company also continued to contact me and report credit information on my behalf after recieving my documents on XX/XX/XXXX. The company responed to me on XXXX XXXX, XXXX and I recieved the letter on XXXX XXXX, XXXX with a copy of my contract, a chart of all may " late payments '' and a statement telling me that they are required to report my credit information and can not removed them.
Consumer complaint received 2020-09-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

We Defaulted on our car lease payment in 2018 because the Nissan dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain XXXX XXXX, XXXX contact us in an effort to collect the debt. And at this same time this NISSAN-INFINITI LT went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud
Consumer complaint received 2023-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX XXXX XXXX Bank of American accounts totaling over {$30000.00} have been opened in my name. Bank of America keeps checking my credit account with the three major credit agencies, resulting in a decrease in my credit score from XXXX just a few months ago to XXXX points currently. I have tried to correct this with Bank of America but to no avail. My address is and has been for the past XXXX years been in XXXX. Whoever has opened this accounts in my name lives in XXXXXXXX XXXX. a place I have never been.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (CA)

I have never received correspondence from the collections company. They have simply continued to place negative marks on my credit report. I have disputed the issue with the credit agencies, however the company continues to submit negative information. I have no documents showing that I have any outstanding debts owed from over 5 years ago. ( Additionally I filed bankruptcy in XXXX, had this company been attempting to collect in a timely manner it would have showed up on my report at that time. ) They state I owe money as a result of moving out of an apartment  in XXXX. They didn't even start posting on my credit report until several years later. As far as I know all payments were made and no moneys were owed when I handed in my keys to the apartment  complex.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TXXXX 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  FOR EACH AND EVERY COMPANY I FAXED I CALLED I SENT CERTIFIED MAIL ALONG WITH MY REFERENCE NUMBER FROM IDENTITY THEFT.GOV WHICH IS XXXX
Consumer complaint received 2020-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I can't believe what I saw on my credit report.. It says late 60 days on my PAYMENT Status. Very inaccurate because there are no lates on my payment history.
Consumer complaint received 2020-09-30
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. (IL)

XXXX is the General Executor of all accounts and affairs regarding the name XXXX XXXX XXXX its ESTATE and any/all derivatives. 

2. FCRA 1681 ( i ) states in part If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

3. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX by refusing to comply with FCRA regulations 1681 ( i ) by either 4. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to conduct a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

5. AGENTS of EQUIFAX et al have breached their fiduciary duties and done willful damage to the XXXX XXXX XXXX  by failing to provide proof of a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

6.When a customer disputes credit information to a CRA, the CRA must advise the furnisher of that data that a dispute exists and provide the furnisher with all relevant information regarding the dispute that the agency has received from the consumer. Id. 1681i ( a ) ( 2 ) ( A ). Once notified by a CRA, a furnisher must *36 ( A )  conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency .... ; ( C ) report the results of the investigation to the consumer reporting agency ;
Consumer complaint received 2020-08-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, while checking my account balances, I noted the SUM total of my accountant, was in the process of being transferred, to someone named XXXX XXXX XXXX, via XXXX ( I have never used XXXX and I am not familiar with this person. I immediately called B of A customer service ( C/S ) and advised them of what I saw transpiring. After filing a Fraud Complaint, I was told to call back the next day, to get my credit cards reissued and a new savings account set-up, to allow for a " temporary '' credit to be issued to me, until an investigation could be completed, into the " STILL PENDING '' transfer of my savings monies. 

I called B of A back the following day, as requested and was shocked to hear, B of A went ahead and " COMPLETED THE UNAUTORIZED TRANSFER OF THE TOTAL AMOUNT OF MY SAVINGS ACCOUNT ''. The following day when I called B of A ( C/S ) to get a status of the previously promised " CREDIT '' to my savings account, I was told it would not be forthcoming, because I HAD AUTHORIZED THE TRANSFER OF THIS TOTAL SAVING ACCOUNT, TO THIS PERSON NAMED XXXX, WHICH I DO NOT KNOW. 

Over the next ( 2 ) weeks, I received untruthful and contradictory statements from B of A personnel, when attempting to gain information, into my stolen/missing funds. At one point when I called, I was told to cease calling B of A because, " this matter is closed and that there is no reason for any further discussion, into the matter. 

Feeling shocked and angered by the entire episode, I contacted B of A ( C/S ) again of XX/XX/2020 and spoke to another ( C/S ). She said she would look into the matter for me. After remaining on hold for ( 10 ) or ( 15 ) minutes, the presentative told me, she saw NO EVIDENCE of me filing a Fraud Report or investigation into the theft of my savings and that she had MADE THE FRAUD DEPARTMENT ISSUE A COMPLAINT ( XXXX ). 

Over this entire time ( 2 1/2 months ), I have received a number of strange phone messages and electronic emails, that were denied as being sent to me by B of A ( I have copies of each and every email as well as recordings of the telephonic messages. 

Can you please help me, in determining why this has happened to me. I am a ( XXXX ) year old XXXX patient, with no financial resources left, after the theft of my stimulus check funds ( {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Due to my XXXX XXXX XXXX, ALL of my bills ARE on AUTOPAY. WITHOUT NOTIFYING ME, in ANY shape, form or fashion, XXXX XXXX  STOPPED MY AUTOPAY with Just FOUR ( 4 ) Payments remaining. It Wasn't until I was Alerted By the Credit Bureau Did I learn I was by that time 30 days late with my payment. I IMMEDIATELY contacted the bank by PHONE and was Rudely treated by a lady in the Collections Dept. FORTUNATELY, I HAD THE FUNDS TO PAY BOTH PAYMENTS- WHICH SHOULD HAVE BROUGHT MY ACCOUNT CURRENT AND UP TO DATE... INSTEAD, THEY WERE WANTING ME TO PAY OFF MY BALANCE. THIS I COULD NOT DO BECAUSE I AM XXXX AND LIVE ON ONE MONTHLY FIXED INCOME. 
they were implying my account should have been paid off in XXXX. Because of my payment status, twice a year XXXX XXXX  SENT ME a offer IN THE MAIL to extend a payment Which I usually ACCEPTED... In Doing the Math, there is NO WAY MATHEMATICALLY this Would have precluded a XXXX payoff. DUE TO THEIR ACCOUNTING & SOFTWARE ERRORS, HAS RUINED MY CREDIT ; CAUSING MY SCORE TO DROP BY OVER A XXXX POINTS. it DOESN'T END THERE. 
WHEN I DID CALL IN ON XXXX XXXX 2024 @ XXXX, I spoke to XXXX AND USING THE SAME BANKING INFORMATION THEY HAD ON FILE - PAID THE BALANCE OF {$700.00}... EVEN AFTER I PAID OFF MY TRUCK, THEY FAILED TO REPORT MY PAYOFF and UPDATE MY ACCOUNT STATUS. * I HAVE SINCE ; RECEIVED MY TITLE IN THE MAIL. BUT STILL. THEY HAVE FAILED TO REPORT MY PAYOFF TO THE CREDIT BUREAU.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2020, my FICO credit score was reduced by 17 points because Bank of America ( my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.