davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
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)

Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX , XXXX Dispute type : Incorrect date of first delinquency There is no supporting medical statement showing the date. I requested to remove incorrect delinquency date from my credit history many times, and Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

ALSO I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/XXXX, a fraudulent credit card application was submitted in my name with Bank of America. I disputed this application with Bank of America and had it removed from my credit. I was told by a Bank of America customer service representative that my information would not be allowed to be used in online account openings. 

On XX/XX/XXXX, a fraudulent credit card applicated was submitted in my name with Bank of America. I once again disputed this application with Bank of America. I was denied any correspondence related to this fraudulent application. The only option I was given, was to file a police report with no resolution in regards to obtaining information to the fraudulent application. 

As a consumer, Bank of America is more concerned with the privacy of the thief, not the victim.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (WI)

TD Bank via their hired law firm, XXXX XXXX XXXX, refuses to negotiate in a remaining balance of a debt incurred by an estranged spouse. 

Reps from the law firm has suggested my credit will remain damaged and are attempting to continue to collect interest as opposed to accepting a fair and complete settlement offer. 

Further it should not be legal for them to not disclose who owns this debt. Is it TD Bank? Is it XXXX XXXX XXXX? I have no idea who has bought or sold this debt and who owns it.
Consumer complaint received 2024-02-09
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. (CA)

I just obtained a copy of my credit reports and it shows unverified and fraudulent account that violates the FDCPA. Please see the attached copy of my dispute letters that were recently sent to the bureaus.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX : {$970.00} XXXX. XXXX Account # XXXX Bal : {$0.00} XXXX. XXXX XXXX Account # XXXX Bal : {$1600.00}
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX Account # XXXX 30 days late in XX/XX/2020.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Account name. LVNV FUNDING LLC Account number. XXXX This account below was reported as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. 
I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (TX)

FRCA XXXX credit line XXXX XXXXXXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (TX)

FRCA XXXX credit line XXXX XXXXXXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC (FL)

I applied for a loan online and was approved for 3 options. XXXX, however I needed more so I didn't accept the terms and left them open. The next day I received an email saying That I could reach out to the branch if the offer did not meet my needs. So I reached out to the branch they came back with XXXX but I had to use my car as a collateral. I refused and said I wanted to take the previous offer. Now they are telling me that that offer isn't available since I reached out to the branch and I would have to wait XXXX. This was a classic bait and switch. It puts people in horrible situation where if you are in need you either offer your car up or get nothing because you inquired at the branch. There is no warning given and now I'm stuck.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (FL)

According to 15 U.S Code 1666b- Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose. Also it states under this law that I must be notified no later than 21 days before which I havent been or should I say I have never been. According to the FDCPA IM INTITLITED TO {$1000.00} PER VIOLATION! 

this company has been violations many laws and I would like this removed asap.
Consumer complaint received 2022-05-03
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. (OH)

In Accordance with the fair credit Reporting ACT XXXX Account Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2022-05-03
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. (GA)

I've made several attempts to dispute the inaccurate Personal Information that's being placed on my credit report by Experian, and they have yet to correct it, even though, I sent them a notarized document of my correct personal information. 
I sent Experian a notarized dispute letter regarding the inaccurate personal information back in XX/XX/2021 and they failed to respond. So I filed a second dispute letter along with a copy of the notarized letter regarding the same issue in XX/XX/2021. 
I requested that only one name, one address, and one phone number should be present on my report, and any other personal information other than what I put on my notarized letter should be removed immediately being that it's inaccurate. Experian responded by removing the last 4 digits of my postal code, and that was it. Simply put, they ignored my dispute all together and should be held accountable. They completely ignored my letter in XXXX, and chose to ignore my XXXX dispute as well. 

The credit bureau failed to properly investigate and correct the problem, and they're still reporting inaccurate information. Surely this is grounds for removal, and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.
Consumer complaint received 2022-05-03
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. (FL)

XXXX said they did not get the FTC report from you so I am reuploading here to ensure they get it along with Experian and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 2022-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY COMPANY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUESTS. THIS IS MY SECOND NOTICE I HAVE NOT RECEIVED A RESPONSE FOR THIS ISSUE. PLEASE REVIEW THE ATTACHMENTS. THE INVESTIGATION IS STILL PENDING FROM XXXX XXXX 2022.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (CA)

I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. experian and XXXX have yet to respond and this is really hurting my credit. Will you please make them respond to me.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS ACCEPTED PAYMENT TO SETTLE DEBT THEY RECEIVED PAYMENT AND REFLECT O BALANCE BUT SETTLED. I NEED TO ACCURATELY REPORT PAID IN FULL AND TO DELETE BASE ON AGREEMENT THAT WAS TOLD TO ME WHEN SETTLING ACCOUNT.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the XXXX.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the XXXX.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

This Complaint has been reviewed and resubmitted by an CFPB agent who agrees this is not a duplicate compliant. This new complaint is in regards to an " overcharge '' for something I did purchase. Previous complaint was in reference to a charge made without my permission, which mad the initial compliant confusing. I am NOT disputing that I rented a car from said merchant. I am however disputing an overcharge. CFPB please be advised to disregard any duplication claim made by the credit card company known as CHASE Bank as another duplicate claim will result in legal action on my part. 

I am disputing an overcharge on a purchase I made with my credit card. I was charged for a car rental while out of the country. I returned the car to the same location in the same condition that it was picked up. The car was dropped off during off hours but I went back later to ensure that the car was attended to by an employee. I was given no indication that there were any additional charges at that time. I also agreed to additional insurance which did not have to be used at the time of return. I had an eye witness who provided a sign XXXX that during the entire rental time period the vehicle in question was not involved in any major or minor infraction. This is additional information that I had not included within my initial complaint as I found it to be irrelevant at the time since NO INCIDENT or INFRACTION had occurred. I am disputing the charge that is showing as " XX/XX/XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX X XXXX ( XXXX RATE ) " showing on my statement as such to be damage to the vehicle. With the additional insurance I purchased this would have been covered if in fact there was damage.
Consumer complaint received 2022-05-03
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights, 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: VW Credit, Inc (MD)

I XXXX XXXX hereby disputes the fact that VW Credit Inc still maintains a negative reporting item on my credit report, respectively on XXXX XXXX, XXXX and XXXX collectively. I originally closed on this vehicle loan on XXXX XXXX, XXXX. I was at least 30-days late on XXXX ( XXXX ) different occasions in XXXX. VW Credit Inc. has cut off at least 30 months of my payment history to give the indication that my first late payment was XXXX XXXX. However, the payment history for even that date has been successfully cut off. This process of extending the late payment history is known by the Federal Trade Commission and the Consumer Financial Protection Bureau as re-aging of debt. The account should have become obsolete based upon the 7-year rule of maintaining negative account information back in XXXX. VW Credit Inc. is in strict violation of my Fair Credit Reporting Act rights as well as all FTC and CFPB mandates upholding the 7-year rule. Accordingly, I demand either a complete payment history of the attached account, including copies of all payments, or the deletion of the account completely. I did protest this account with all credit bureaus, and I attach the most recent XXXX XXXX credit report to confirm that the account is still posted with at least 30-months of payment history cut off purposely. I demand this account to be removed immediately and permanently!!!
Consumer complaint received 2021-09-07
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: LEXISNEXIS (CT)

I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. ( SECTION 2 : Address Characteristic Record ; RECORD 1, RECORD 2, RECORD 3, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORD 14, RECORD 15, RECORD 16, RECORD 18, RECORD 19, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 32, RECORD 33, RECORD 35, )
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX, Ally had a 1 % cash bonus offer to its savings account holders, up to {$500.00} maximum amount. The terms were : 1. to enroll by XX/XX/XXXX ; 2. to move new money into the savings account by XX/XX/XXXX ; and 3. to keep the new money in its savings account by XX/XX/XXXX. I satisfied all three terms and even got confirmation emails from Ally, which indicated that I should be expecting to receive my bonus on or around XX/XX/XXXX. When I did not receive my bonus as promised, I contacted Ally about it. At that time, Ally representative created a case, gave me a reference number, and told me that it will take 7-10 business days to review. After 10 business days, I contacted Ally again and was told that it is still under review, no other explanation was given. I asked why it is taking such a long time to review when the terms were pretty simple and straightforward, the representative simply ignored me, repeated that it is still under review, and asked me if there is anything else she could help. I was expecting to hear how Ally is trying to address my concern as fast as they can, but given Ally 's response, I am not sure my issue will ever be resolved.
Consumer complaint received 2020-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.