davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
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)

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-06-13
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. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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 an account without my written instructions. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$620.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNTON MY CREDIT FILE. I AME REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON. TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. JUST FOR YOUR INFORMATION, I AM ON XXXX AND MY INCOME IS PROTECTED UNDER FEDERAL LAW.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the recent removal of a charge-off from my account with Credit Bureaus XXXX This action has been taken without any prior notification or justification, and it has had significant adverse effects on my financial standing and credibility. 

I was informed that a charge-off had been applied to my account due to incorrect balances. While I understand the circumstances that led to this decision, I have diligently worked to rectify the situation and fulfill my obligations to Credit Bureaus. I have demonstrated my commitment to resolving the issue in good faith. 

To my surprise and dismay, I recently discovered that the charge-off has been removed from my account without any explanation or communication from your end. This unilateral decision has left me in a state of uncertainty and confusion, as it directly impacts my credit history and financial reputation. 

I demand immediate clarification and justification for the removal of the charge-off from my account. It is imperative that Credit Bureaus provides transparent and accountable reasons for this action, as it has far-reaching implications for my financial well-being. 

Furthermore, I request that you promptly reinstate the charge-off on my account unless you can provide compelling evidence and rationale for its removal. This matter must be resolved in a fair and equitable manner, taking into account my rights as a customer and the principles of accountability and transparency. 

I expect a timely response to this complaint and a satisfactory resolution to the issues raised. Failure to address this matter adequately will compel me to explore other avenues for redress, including seeking legal counsel and escalating this complaint to relevant regulatory authorities. I am asking for your assistance to remove these charge off accounts in my credit file : 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 2023-06-13
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$2000.00} ; 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 2024-02-07
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. (IL)

Again this is my 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 ITEMS. 
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/DOFED XXXX Balance : {$0.00} XXXXDOFED XXXX Balance : {$0.00} XXXX/DOFED XXXX Balance : {$0.00} XXXXDOFED XXXX Balance : {$0.00} XXXXDOFED XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MS)

On XX/XX/2022, Jefferson Capital System added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. When contacting Jefferson Capital System, I was informed that they no longer had the debt and it was sent to XXXX XXXX. I called XXXX XXXX and was informed they couldn't find the reference number associated with any account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debit at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Yesterday I discovered multiple transactions on my XXXX  XXXX Equity Line account which has been paid off since XX/XX/2021 with Sun Trust now Truist. I have spent over 8.5 hours on hold, in the branch, been transferred several times, disconnected and lost a full day of work and I am the only one employed right now in my family. All the transactions done are as follows : XX/XX/XXXX Telephone Advance {$10000.00} XX/XX/XXXX Telephone Advance {$10000.00} XX/XX/XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} XXXX XXXX Telephone Advance {$10000.00} Total {$60000.00} Then on XX/XX/XXXX an advance via the web at XXXX to XXXX ending XXXX for {$96000.00}. Now the total outstanding amount is {$150000.00} all of which is fraud. None of these transactions were done by me or my husband and none alerts or anything transpired. 

I have visited my local branch and I have been working with XXXX XXXX XXXX XXXX and the branch XXXX XXXX. There has been an escalation but still nobody has been able to help. I am in the middle of a commercial refinance on a building I own in New York and this has a major impact on my credit. I need help in resolving this matter. 

I can be reached at XXXX Regards, XXXX XXXX
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2020-06-06
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: Experian Information Solutions Inc. (MS)

I'm have credit reporting problems with Experian, there are accounts and addresses that they refuse to take of credit, I have supplied them with documentation of my Identity theft, I have submitted police reports in according with Sec. 605b of the FCRA I have asked them the block information. 
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Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Neon Newco Corporation (MI)

I purchased a Netspend Card the end of XX/XX/XXXX to use for prior and current year taxes. I noticed my card was missing on XX/XX/XXXX. This exact same day I contacted Netspend and let them knew of the situaution and began with the dispute. I was told that the money that was taken would be deposited back into my account which didnt happen. I faxed over a written dispute letter XX/XX/XXXX. No one contacted me back I had to keep calling requesting to speak with someone. No money was deposited as i was told and as is in the policy. No real investigation was done no camera footage checked or anything. It took over the time that the dispute process was suppose to take and netspend closed my account months later. I contacted the local police made reports contacted the IRS attorney general office did all I can do. I never made any of these transactions or do I have a XXXX area code number. I have been in a finacial hardship causing me to be a XXXX for a period of time. This is insane Netspend did not follow through with their policy that they are suppose to have or give me a full investigation that I should have been given.
Consumer complaint received 2023-06-13
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please correct and update.
Consumer complaint received 2022-07-24
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. (MA)

Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the Credit Union is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.
Consumer complaint received 2018-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

XX/XX/XXXX I, XXXX XXXX was diagnosed and transported for admitted urgent treatment from XXXX  XXXX XXXX XXXX Massachusetts to XXXX XXXX XXXX located up the road by  XXXX XXXX. I was never notified prior of a denial or gave authorization to be personally billed XXXX XXXX . XXXX XXXX directed the bill to XXXX XXXX  XXXX  without notifying me of my XXXX  upon request, or a verification of denial form. From there it was sent to First Financial collections, a credit bureau. I have filed disputes, called for expedited appeals and mailed to the grievance department at XXXX and spoken with all 4 companies to try to get this discrepancy resolved and removed from my credit report. Me being an inpatient at the time should not be responsible for this bill. 
Claim # XXXX XXXX XXXX CREDITOR ACCOUNT:XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX, MA XXXX billing dpt # XXXX XXXX XXXX XXXX XXXX Appeals and Grievances dpt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Massachusetts XXXX XXXX Billing agent XXXX XXXX XXXX ext XXXX XXXX  -XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX Appeals unit XXXX XXXX XXXX XXXX, Massachusetts XXXX First Financial Resources XXXX XXXX XXXX suite XXXX XXXX, Massachusetts # XXXX XXXX XXXX or XXXX XXXX XXXX I call these supervisors and billing agents to complain that i was never informed and to remove the bill because I have outstanding impact on my negative credit score. They are no help in immediation of assistance and ping me back and fourth to the other companies. This has been ongoing since XX/XX/XXXX. There has to be someone that can negotiate wan waive this bill from collections.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (VA)

I have paid on this XXXX mortgage for 8 years and recently decided to pay it off. When I started looking into the payment history which is on line, I discovered that the payments have not been equitably allocated throughout the 8 years I have been paying on the loan. There is no consistency in the allocation of interest, amount toward principal, etc. There are also " fees '' listed with no explanation. I tried contacting the company and they would not give me any answers. I turned over the matter to an attorney and the company has not been responsive to the attorney 's attempts to obtain any information from them. My attorney suggested that I file a complaint with this agency in order to make the company respond to my request.
Consumer complaint received 2024-02-07
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. (NY)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 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
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe XXXX XXXX XXXX {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I saw an offer for the Amex XXXX XXXX XXXX offering a 0 % introductory rate for 10 months and XXXX bonus points after spending {$4000.00} within the first 3 months. After applying, I noticed that the introductory interest rate was not mentioned. I immediately called and could not get through to anyone. I started an online chat. I told the representative what had happened and he told me I was given a different offer, with no introductory interested rate. I explained this is not what I signed up for and he transferred me to a " supervisor '' who said the same thing and refused to honor the offer that I had signed up for. I asked for the card to be canceled and not sent out as this was a bait and switch tactic. Now I have an inquiry on my credit for no reason. Amex should not be able to do business this way.