davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with XXXX XXXX. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.
Consumer complaint received 2023-01-24
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)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX  I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Simply put, Equifax has denied access to myself and my girlfriend over 20 times in about a year. XXXX and XXXX no problem. It is obvious they don't want us to access our credit report unless we pay their fees. My girlfriend was a Equifax member and we didn't encounter difficulty. After stopping the membership it has been impossible. She recently became a member again while on the phone just so that she can get help. It was obvious the lady helped her just to get her to be a member. They need to stop putting up barriers and be abusive of their power. A power that can easily be taken away. They are a private company yet think they are XXXX. They make many people I know feel powerless and impotent. They also cause many people to pay more because people need to purchase items yet have to pay more because they are through with the impossibility of accessing and correcting their report. I appreciate somebody putting a boot up their XXXX. Thanks. From a 20 year veteran and two war vet.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have disputed the errors in my credit report by sending detailed supports because they can not eliminate the incorrect information and they automatically respond that it is correct and verified. more than 1 year occurring
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

CFPB, XXXX XX/XX/2021, I mailed a dispute package to Experian by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Experian on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ). 
Experian and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of Experian ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow Experian and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
Thank you.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2023-01-24
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. (KY)

I am grateful that you took the effort to CORRECT some of the data in my credit report, but there are still some items that require updating or deletions. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected immediately : 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 2023-01-24
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. (KY)

I am grateful that you took the effort to CORRECT some of the data in my credit report, but there are still some items that require updating or deletions. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected immediately 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 2023-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

I have opted out of the overdraft protection with regions Bank for several years and they continue to charge me multiple fees even though I've been opted out. They have also moved charges dates to cause my account to overdraft. I have called on multiple occasions to resolve this and only been refunded two or three times but this has occurred 20+ times over the course of years and has taken thousands of dollars from me. In some cases, causing me to miss payments for bills which has caused stress on my family and on a few occasions, affected my credit score.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (TX)

On XXXX, all XXXX tokens associated with my account were frozen/restricted by Ally Bank. These include my and my wife 's emails addresses and mobile numbers. 

We have discussed at length the issues on 3 separate telephone calls with members of Ally Bank 's team, including some supposedly supervisors ( like XXXX ) who have promised to take action on this. There was a ticket or reference number XXXX that was issued to resolve this, but nothing has happened. 

Unfortunately, your customer service team has not performed well because the problem is not resolved. Its quite disappointing that you have not be able to resolve the XXXX issue. I was promised that this would be resolved in 3-5 days, 10 days, etc. and now its over a month. This may be a case of Bank bullying its customers. 

Attached is the last complaint letter I had sent to Ally Bank.
Consumer complaint received 2023-05-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

It dates back to 2018, my XXXX insurance was active with XXXX XXXX. I got a XXXX injury, and I was taken to a nearby hospital using XXXX XXXX XXXX. 
I never checked my credit History until recently, when I noticed a collection by XXXX XXXX XXXX XXXX XXXX worth {$5000.00} by the Original Creditor- XXXX XXXX XXXX. 
I contacted the Collection agency and they lied to me that my insurance refused to cover Ambulance expenses and threatened me to pay all amount and when I told them that I would like to talk with XXXX first, collection agency personnel insisted that it is not going to be helpful and I should pay them right now to get rid of collection. They were trying to just rip me off. 

Next day, I communicated with XXXX XXXX and asked them about my coverage for 2018 Ambulance charges and I came to know that, they never received a bill from XXXX XXXX. I asked XXXX XXXX but they told me that claim was sent. So, I put a three-way call between the XXXX claim XXXX department and XXXX XXXX and XXXX parties agreed that there was negligence and XXXX XXXX never sent them a claim, recently that claim was sent and my insurance covered all the amount leaving behind just {$100.00} copay. 

This collection agency, XXXX XXXX XXXX XXXX harassed me on phone call, when I told them about all negligence by Ambulance and XXXX and settlement with them, they were not ready to listen and argued with me and threatened me to pay the {$5000.00} which I do not owe ( as I have already settled issue with original creditor ) and It was never my fault, that they didn't send a claim to my insurance. 
This collection agency is deteriorating my Credit since XXXX years and I do not owe them anything as it was not my fault at all. 
You can call XXXX XXXX to know more about this case.
Consumer complaint received 2023-01-24
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (TX)

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect account information on my file. Not only is it unfair, its also illegal. 
XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft 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 ( 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.
Consumer complaint received 2023-01-24
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. (OK)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States that 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 an account without my written instruction 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 of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I signed up under the Trans Union website under the understanding I was establishing a login so I can turn on and off my credit freeze. I was mysteriously signed up for their credit monitoring service with absolutely no indication. I have been charged a monthly service fee that I was completely unaware of. This process is borderline predatory, a scam, and at the minimum unethical
Consumer complaint received 2023-01-19
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: SANTANDER HOLDINGS USA, INC. (MO)

There's a credit report on my score I'd like to dispute it under the 15 USC 1681B And 15 USC 1681A
Consumer complaint received 2021-03-12
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)

These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I went to buy I brand new car from team XXXX XXXX Nj which is located in XXXX XXXXXXXX XXXX  XXXX, XXXX, NJ XXXX. In XX/XX/2019 Unfortunately since its the first experience for me I trusted the finance manager that he will do the finance through his company only but I found out he run my credit score almost 23 times with deferent lenders which effect my report and I even didnt get the approval from his company although I was 100 % coalfield to. He chose the lender who gives him more commission and charge me with 11 % interest rate for 6 years which will cost me to pay the vehicle price 1.5 time the real sale price. I have no option that time but since that time Im suffering with the monthly high payment which is {$590.00} and I found out that I cant refinance as he said.
Consumer complaint received 2023-01-24
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. (IL)

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX Balance : {$340.00} - XXXX believe this account is reporting inaccurately. I do not believe I was XXXX XXXX XXXX XXXX this account presents. I keep records of my payments and I always make my payments on time, XXXX XXXX XXXX XXXX. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I open a bank account with Bank of America in XXXX ( checking and saving ). Few months later a former friend told me that he was paid with a check for selling his car and that he had used my account to deposit the check. I was NOT available to review the check or it being deposited into my account. A few days later I notice that my account had be closed down and later I learn that my account had been label and reported to XXXX and XXXX XXXX XXXX  as SUSPECTED FRAUD ACTIVITY. I called XXXX and disputed it and was unsuccessful, over the past year and few months I've called Bank of America and pled with them to please REMOVE this from my reports but they have refused to do so. Recently I've follow the dispute process with Bank of America and they responded with this response " Our review determined that we accurately reported your account to the consumer reporting agencies '' XXXX responded stating that " the source has verified the information as being accurate and complete. As a result it will remain on file at XXXX '' They has not given me any sufficient evidence indicating my involvement. For example I requested for any evidence with my signature, picture, or video of my involvement, instead they mail me just a portion of my bank statement. Let it be noted that there was no monetary lost.