davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

I had an open credit card account at US Bank. 
It was charged off for non-payment. 
However, I made a repayment agreement with US Bank to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and XXXX  ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement. 
I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, US Bank is still reporting that I have not paid any of these accounts as agreed. 
I made an attempt to dispute this information with both the Credit Bureaus and US Bank on XX/XX/2020. I was told by US Bank that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.
Consumer complaint received 2022-12-01
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. (CA)

Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, XXXX, EQUIFAX, AND XXXX are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!
Consumer complaint received 2019-05-02
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. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I tried to access my bank account and it tells me that my name has changed. I never changed my name for my bank accounts even my whole credit report is under this new name XXXX XXXX that I never created, please change my name back to XXXX XXXX XXXX
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has refused to correct their negligent mistake which has greatly impacted my credit score negatively. I have evidence of their mistake with a written letter from capital stating they made the mistake and yet you no action to remove the negative comment from my credit report. XXXX XXXX an employee from capital one assured me that this negative impact would be reversed and removed from my credit report.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (CA)

In XXXX I received {$500.00}. In XX/XX/XXXX the a count was closed. In XX/XX/XXXX the monies I accumulated through Moneylion was used to pay on the account. I was told this left a balance of {$100.00}. In XX/XX/XXXX I spoke with someone at Moneylion via phone and a rep via email. I was told the account went into collections as of XX/XX/XXXX. I was told this information would be reflected on all three Bureaus. Instead, Moneylion is reporting inaccurate information such as, dates the account was closed now states as of XX/XX/XXXX and I was told its only charged off and the {$100.00} is in a " collective state ''. I asked for clarification and received none. They again reported on my credit as of yesterday and today and once again the information was inaccurate and the balance is totally different again. I have all the emails and transcripts that states the current status of this account.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services (FL)

HI ; this is HIPPA violation? XXXX tests, etc??? Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-12-02
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. (GA)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$69.00}
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I recently tried to open a bank account with XXXX XXXX XXXX XXXX in addition my wife attempted to add me to her account with XXXX XXXX. On both occasions I was denied due to Bank of America having incorrectly reported fraud to XXXX XXXX XXXX. I have repeatedly requested my report from XXXX and repeatedly called Bank of America requesting this incorrect information be removed. This reporting has been detrimental to my family. I am essentially unbanked. I can not make the regular transactions a hard working, tax paying citizen should be able to make. My wife & I are trying after 6 years of saving, to buy a home. This report is negatively impacting that process as well. Bank of America has shown no remorse for this situation and refuses to correct this issue. I respectfully request the CFPB to compel Bank of America to remove this inaccurate, devastating reporting from the file with XXXX XXXX XXXX. In addition, I respectfully request CFPB to compel XXXX to provide me with evidence of the fraud they so claim. 
XXXX has been the subject of NUMEROUS class action lawsuits for this very same disgraceful behavior. This can not stand. They are harming American citizens with no regard to the lasting impact to their families.
Consumer complaint received 2022-10-15
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. (MO)

Hard inquiries on my credit report and its saying my credit report down, I dont recognize these charges In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

I borrowed {$10000.00} and with interest occurring loan is up to XXXX. I've been making payments and most of the payments is credited to the interest. I tried talking to the lender to see if the interest rate could be reduced or if we could turn the loan into a fixed rate loan so that I may pay the loan off in 4 years without steady occurring interest. But they told me they can not do that and since the loan is current there is nothing they can do for me. I contacted them on XX/XX/2021 is the most recent time. There has been one other time I spoke with them but I can't recall the date. I would appreciate any assistance in helping to resolve this problem.I 'm on a fixed income and the person the loan relates to is unemployed.
Consumer complaint received 2022-10-15
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)

I have a XXXX collection on my credit report. I have disputed this multiple time with all credit bureaus and it comes back as verified. Meanwhile whenever I ask the credit bureaus how was this account verified they are unable to send me the method of verification all they sent it a payment history. This account has different status across all three bureaus. I need this charge off account to be deleted off my credit report. XXXX XXXX and experian have been violating the fair credit reporting laws with this charge off account I need it to be removed
Consumer complaint received 2021-04-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IA)

I Had Disputes that were that I won and we're supposed to be deleted off of my credit reports. There were 2 Disputes that said Deleted and taken off my report, but I noticed that the highest one was still on my report so I messaged Experian and asked them to fix it and take it off. ( XXXX XXXX XXXX ) report # XXXX on XXXX XXXX. Well they opened another dispute and it came back on with another bill. Once again the larger of the two stayed and the other was taken off my report. I contacted Experian and asked what was going on and they told me they have no record of the original Accounts saying they're Deleted and taken off my reports. So now after talking with them there is 3 more collections from the same company and the original is still on my report. Also I had informed them of fraud that happened on XXXX that they took care of but didn't take into account about my original complaint. I would like these accounts that said they were deleted and taken off to be taken off my report. Along with all of the rest because if I can win 2 Disputes of this company they shouldn't have a leg to stand on and keep coming after me with different amounts just because they think they can. That's not right and I've proven they don't have original documents to prove other wise. I'm getting screwed by Experian & the XXXX XXXX XXXX at the same time back and forth.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violanted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602. A. Stated 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any on the following items of information Any other adveerse item of information, other than record of convitions of crime 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 2021-04-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have sent you multiple letters disputing these accounts. The first letter I sent on XX/XX/2020 asking for you to verify these accounts you responded with verified. I sent you a second letter on XX/XX/2020 I asked you to provide me with account level documentation from your investigation and on how you verified these accounts you responded again with verified which is an unacceptable response under the FCRA I have a right to any and all information used to verify any account added to my Consumer report please provide me with the documentation used to verify these accounts or delete these accounts immediately! 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$36000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} XXXX XXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc. (FL)

Coinbase targeted me for a promotion where I would receive {$5.00} in BTC if I successfully completed two reoccurring deposits. I completed three reoccurring deposits. The {$5.00} was not deposited to my account. When I reached out to support they did not help me. I have followed up multiple times since then and still this simple thing has not been resolved. Very disappointed with this company. It's just {$5.00} and I completed it successfully. This is a multibillion dollar company that can't handle a {$5.00} reward. 

My account : XXXX XXXX
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have fil ed two disp utes to update the following informati on one  on  X/X/17    and one on  X/XX/17    - nothing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :  XXXX  Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting  an Open statu s, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and ne eds to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is reporting no term which should reflect 360 months. The payment status is incorrect on Experian and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Consumer complaint received 2020-07-30
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. (MS)

I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Transunion to delete this information but they have not. I am contacting you to have these accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.