davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (MD)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

On or About XX/XX/24 I submitted a Dispute in regards to A Bankruptcy listed on my credit Report .Asking to Delete it for in proper use and Lieing About how the information was Obtained.My Results didn't get Resolved however Just Updated.
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (CA)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

1

5 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 permission in written instruction. 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account :
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello! 

I received several emails from Bank of America yesterday ( XX/XX/2023 ) regarding the opening of a new account in my name, in which I did not apply for. It seems to be fraud and that someone has my information and is attempting to open an account in my name. 

I am currently on hold with Bank of America in an attempt to file a fraud complaint and close the account. I was told I should file a complaint with the CFPB as well.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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. (OH)

XXXX XXXX reported to lates on my credit account and none of them are correct. XXXX lates were reported on XXXX and XX/XX/XXXX and XXXX in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
Consumer complaint received 2022-12-01
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. (NY)

Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX XXXXXXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXX XXXX  XXXX. Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX XXXXXXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
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. (FL)

I've reached out to Experian, XXXX and XXXX numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to XXXX. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the XXXX time to correct this issue.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

My report 's list of inaccurate informations were inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect informations listed below. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

A company listed as Augusta Collection AGC has reported negative information in the about of {$180.00} on to my credit report. The company never validated the debt. The company never provided an itemized bill statement, even though I requested this information prior to the account being reported on my account. The representatives working in the office are very rude and will constantly over talk you without providing any information. It was so bad I had to ask the lady was she being rude to me because I am XXXX- yeah, that's how bad it way. I wish I would pull the recording! I talked to a lady names XXXX and whoever her manager was- the other lady never gave me her name and told me she " didn't have to do a thing '' as if I am not the consumer trying to get assistance. & It for {$180.00}!! & I am not sure where the debt of {$180.00} is stemming from.- Nobody has the billing statement- nobody can tell me the charges. One lady said - I think it was XXXX " MAM I don't live in XXXX, I can not tell you what the charges are for '' - Why does where she live even matter when I am trying to get assistance to understand debt on my credit report. ABSOLUTE WORST CUSTOMER SERVICE EVER!!!!
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XX/XX/2015
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my report, the incorrect information was still found in my Experian reports which I believe have been taken care of due to the written appeals I sent. I've contacted the account listed & they told me I've never missed a payment, yet Experian refuses to fix the account from being listed late. I am not satisfied that Experian has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. The account that should be corrected is : XXXX  XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX XXXX BANK XXXX XXXX XXXX they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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. (CA)

I appreciate you taking the time to CORRECT some of the accounts in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2022-10-27
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. (TX)

Did not authorize credit inquiries 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 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX ran a hard search on my account which I did not authorized on XXXX XXXX, 2022. I called them and they are not able to give me any information.
Consumer complaint received 2022-10-27
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. (TX)

Did not authorize credit inquiries 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.
Consumer complaint received 2022-10-03
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: Radius Global Solutions LLC (KY)

While in the process of purchasing a new home, my loan officer notified me that Radius Global Solutions reported a delinquent XXXX XXXX XXXX XXXX in the amount of {$2000.00} to my credit report. I called them XX/XX/2022 to dispute the debt. I let them know that I currently have XXXX XXXX XXXX XXXX, so there would be no way for me to have a delinquent bill. I was transferred at least three times and was hung up on by a manager. He told me that there was nothing they could do for me because I didn't have the account number associated with the account, although I provided all information as reported to the credit agencies and listed on my credit report. 

On the same day, I mailed and emailed a letter requesting they verify the debt and provide proof they are authorized to collect the debt. On Monday, XX/XX/2022, I received a letter addressed to the debtor, but in my care and sent to my work address. I never provided my work address. I never provided my maiden name but that was also included in the letter from Radius. Also, the account number listed on my credit report is does not match the account number on the copy of the bill provided. 

The letter provided XXXX for me to call if I have questions or comments. After calling, however, I was directed to leave a message. I left a voice message detailing what I am reporting to your agency. They provided message confirmation # XXXX. The recording provided the website whistleblowerservices.com if I wanted to make changes to my message. 

I left the following typed message : I initially requested Radius Global Solutions, LLC verify the debt and proof that they are authorized to collect this debt. They have yet to send the requested information, but sent a copy of the debtor 's bill ( which disclosed his mailing address ). Additionally, my letter never identified me as the person responsible for handling the debtor 's bill ( letter was sent in debtor 's name and in c/o ( my first, maiden and last name ) ; the account number listed on my credit report is XXXX, while the account number in the mailed correspondence is XXXX.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Received medical bill for XXXX XXXX, full amount of {$190.00} was paid from my XXXX account on XX/XX/2020. The bill was turned into collection agency on XX/XX/2020. I have disputed this with credit bureau, and contacted the debt collection agency to advise them this bill was paid, but the original business submitted an amount different that what was owed. The debt collection agency says there is an additional amount owed of {$110.00} (? ) no sure exactly of amount - but there should not be any additional amount because the bill was paid prior to submission to collection.
Consumer complaint received 2019-12-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was looking to sell my dining table which I posted on XXXX. I was contacted by the buyer looking to do the transaction. She had some odd buying instructions but I didn't think too much about because it seemed like she was buying a few items too be shipped together by a moving company. She sent me a cashier 's check for {$1900.00} which she told me a part was for me to pay the movers. This was deposited on XX/XX/2019. I did think this was odd but the cashier 's check cleared quickly. To pay the movers, {$1600.00}, she asked to use XXXX pay through my Chase bank on XX/XX/2019. It was weird but this didn't set off any alarms for me as I believed Chase would compensate if anything were to happen. Little did I know, this was not the case as in their words, " I made the transaction on my end, and accepted it. " SO both XXXX and Chase will do nothing to help in recovering the money or protect me from the scam. The cashier check then got returned XX/XX/2019 which is why I am writing this as i thought this was odd and went to go deal with this today at Chase.