davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Hello, On Thursday, XX/XX/XXXX, Experian responded, but it is not satisfactory. Experian must MANUALLY investigate my credit - worthiness for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to accurately record my FICO score. I monitor my credit regularly. My FICO score has not moved and remains dormant since XX/XX/XXXX/XX/XX/XXXXbecause of their product failure. I joined the Experian product brand XXXX   to digitally access my utility bill payments to XXXX XXXXy credit score. Experian 's product has failed. Over the past several months, I contacted Experian several times, but I am unable to reach a representative to no avail.

Experian is falsely advertising a product that does not work and failed. I want my credit score updated for the past several months mentioned and to terminate from XXXX  without losing my FICO score accumulated to date. Exactly a year ago, I logged a complaint against Experian because they removed over 20 FICO points from my credit report and I still do not understand why. 

Thank you.
Consumer complaint received 2019-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I was charged for a service I did not receive in the amount of {$560.00}. I requested service from a mechanic company and they failed to provide it on 2 occasions. Even having failed to provide me the service they still charged me. I attempted to resolve it with the merchant and they refused. I disputed the charge with my credit card company and they required me to send a number of documents by specific deadlines with specific guidelines. The last deadline was for XX/XX/XXXX. Even though I met all of these guidelines the credit card company still charged me for what I didn't receive and did not chargeback the merchant like I was promised. I spoke with many different agents on the phone and they said that even though I provided all that they required that it was not sufficient enough. I have written documentation of what they required of me and I provided it however they voided their own policy by not sending the chargeback to the company. According to the Fair Credit Billing Act this would be categorized as a " Billing error '' or " charges for goods and services you didn't accept or that weren't delivered as agreed '' For me, the service was not delivered as agreed and I provided ample evidence to prove this and met every guideline in every letter that was sent to me.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to experian for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.
Consumer complaint received 2019-12-08
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. (SC)

Since XXXX XXXX-XXXX XXXX I've sent 4 separate letters to each credit bureau Experian, XXXX, and XXXX  asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-05-24
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$210.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

I paid my Private Student Loan XX/XX/XXXX and was informed by the collection department my paid off letters would be generated and i would receive it in the mail 30days. Never received them and called mid-end of XX/XX/XXXX and was told my letters were mailed out but i never received them. I was informed they will send out a new copy and if not received to call back and have it generated through e-mail. XX/XX/XXXX I called and they indicated no letter was ever generated and it takes 2 billing cycles for my paid off letter to come. Called again XX/XX/XXXX and they were even ruder and not very helpful with my situation. I paid off my Private Student Loans and want my paid off letter and the right answer. All I am getting is the run around. The Loan provider is Navient.
Consumer complaint received 2019-12-08
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: Experian Information Solutions Inc. (NV)

I have tried in three separate mailings to resolve this with XXXX, Experion, and XXXX. On each occasion I included the required identifying information along with court documents showing the respective dates of a dismissed without prejudices  bankruptcy (mine) in the XXXX (XXXX) Bankruptcy Court and the court document showing the Discharged (XX/XX/2018) Bankruptcy case in the XXXX   Bankruptcy Court, along with my request that the credit reporting bureaus recognize the dismissed bankruptcy on my credit report, which they had not done for over a year, and that they report the discharged bankruptcy in the Nevada court.  I just completed my fourth mailing and neither of these request have been honored by any of the three major credit reporting bureaus.

BOTTOM LINE: My credit report is not accurate which I believe the Fair Credit Reporting Act requires the 3 bureaus to ensure.
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SUNTRUST BANKS, INC. (MD)

XX/XX/XXXX on or about XXXX one XXXX truck was repossessed at XXXX XXXX in XXXX Maryland when payment was not due. Suntrust Bank had to return the truck promptly. I filled a complaint out and nothing happened. 
In XX/XX/XXXX Suntrust XXXX XXXX of XXXX  Maryland returned my payment saying that SunTrust had charged off the account, even though payments had been made without any due at that time. I have enclosed the Money Order that XXXX XXXX Suntrust XXXX XXXXXXXX had returned. I then called Suntrust and spoke to a CSR and she stated why had I not made all the payments with my bank card and said I stilled owed {$3200.00} and unless I make a agreement I will not get my title. That is one " mistate '' in XX/XX/XXXX and another huge mistake in XX/XX/XXXX. No excuse for this type of banking. I also have requested statement 's from them for ten years, but the prinicipal owner is in bankruptcy but I am not and I have made the 100 payments.
Consumer complaint received 2019-12-08
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: EQUIFAX, INC. (SC)

Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XXXX, XXXX, and Equifax asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

I paid to ship a package with USPS on XX/XX/2019. The package was requested by USPS to come back to me at the end of XXXX but it ended up being lost. USPS allowed me to file a claim but has refused to honor the insured amount of XXXX. 

I filed a dispute with wells fargo of the amount of postage I paid since USPS has not provided the service I paid for and has denied my appeal multiple times and are refusing to accept any responsibility. USPS accepted my package with no issues and knew what I was mailing as the contents were on a customs form they reviewed before I paid which they put on the outside of the package. 

Wells Fargo is refusing to help me with getting my money back for the service I paid for which was not provided.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-09
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. (KS)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Online Information s, 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 2023-02-09
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)

FRCA Violation: auto loan not mine
XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX

FCRA Violation:  student loan never late XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
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

HIPPA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX   XXXX not mine
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (FL)

I had a deposit of {$500.00} post on XX/XX/2020. I also had a debit in the amount of {$110.00} post on XX/XX/2020. I was charged a {$38.00} NSF fee on XX/XX/2020 for an item posted and cleared on XX/XX/2020. When I spoke to the CSR, I was advised the debit posted at XXXX XXXX and the credit posted XXXX XXXX. I finally utterly appalling that they would not order the credit first to avoid causing the overdraft charge, I have accounts with XXXX XXXX XXXX and a credit union and neither have allowed this to occur. If funds are deposited in the account the same business day that transactions are posted, THERE IS NO NSF FEE! I find this practice unfair and unethical.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC. (IL)

i do not know how this individual obtained my personal information
Accounts:
XXXX XXXX XXXX
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

AFNI Inc
Account number XXXX

XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX
ACCOUNT NUMBER XXXX

XXXX XXXX
Account number XXXX


Inquiries:

XXXX XXXX/XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX/XXXX XXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (IL)

i do not know how someone gained my information, i saw the following accounts on my credit last month when I checked it: 

Accounts:
Credit Acceptance Corp

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Inquiries:

XXXX XXXX XXXX XXXX
XX/XX/XXXX

CREDIT ACCEPTANCE
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX
XX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I believe that I am a victim of a racially motivated decision. on XXXX I received an email saying that my credit line was increased. I tried to use the card the same day and it declined. I called bank of America to try and find out what the issue was and they informed me that my account was actually closed. I was confused because I did not receive an email of a closed account, But of a credit line increase. When they closed my account, they blocked my access to pay the bill online. I had no idea how to make a payment. I was sent no instructions or warning. Bank of America has reported 2 late payments on my credit which has destroyed my credit, I had excellent payment history with them prior to closing my account. anytime I call in to get help with my account, I am told a new lie every time I call. On XXXX or XXXX XXXX, I called and reported financial hardship and all they did was lie to me and tried to set me up in a situation that would have further hurt my account. Every person I spoke to has been an a** hole with me, and it's only because I am a XXXX customer. I have no choice but to try and seek help with this.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

Requested a copy of my annual free credit report from equifax at XXXX XXXX XXXX XXXX and in the process I am told that the information that I provided did not coincide with their records and I would have to mail a request to them. I send them the information, and receive a letter from them again stating that the information did not coincide with their records. I have tried to dispute the personal information that they have and have not received any results.
Consumer complaint received 2022-04-21
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. (CT)

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXX XXXX XXXX account XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX acct. # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (NY)

XXXX  didn't mail me my entire billing history like I'd requested over the phone w/their customer service office to review the entire account so that all the invalid charges can be removed all at once instead of one by one. 

The company just mailed the latest bills for XX/XX/XXXX & XX/XX/XXXX which doesn't show all the charges for the entire month & there are still out of city/state/country charges on the account per the bill- XXXX XXXX XXXX XXXX / Etc.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-01-14
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. (WA)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 4, 5, 6, 7 and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.