davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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. (MO)

Attn : This is a new Complaint. 

Subject : Formal Dispute and Correspondence Address for Experian Experian XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention : Experian XXXX Department Dear Experian XXXX Department, I am writing to formally dispute and address critical inaccuracies in my credit report. This letter serves as an official communication regarding the ongoing issues I am experiencing with my credit information. 

**Personal Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX **Dispute Details : ** I dispute the accuracy of my credit report based on the following grounds : 1. Discrimination in the Dispute Process : Experian 's refusal to allow online dispute filing has extended the resolution process, which I consider a form of discrimination. I request equal access to all dispute resolution methods. 

2. Credit Score Injustices : My credit score, currently in the XXXX, is unduly affected by monthly reporting from XXXX XXXX. I request the immediate removal and blocking of XXXX XXXX from accessing my information and a correction of my credit score to at least XXXX, reflective of my creditworthiness. 

3. Dispute XXXX  XXXX Business Card Account XXXX or ( # XXXX ) : I vehemently dispute the presence of a XXXX  XXXX business card account on my credit report, as I have never authorized nor been associated with such an account. I request an expedited investigation into this matter. 

4. Formal Complaint on Discriminatory Credit Scoring : I submit a formal complaint regarding potential discriminatory and racist influences on my credit score. I request a thorough investigation to rectify any systemic biases impacting my credit score.

5. Removal of Unauthorized Inquiries : I demand the immediate removal of hard inquiries initiated by XXXX XXXX, an unauthorized creditor. I emphasize the gravity of this issue, as highlighted in my FTC complaint ( # XXXX ). 

**Correspondence Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX I expect Experian to promptly investigate and address these concerns, providing a resolution that upholds my consumer rights and rectifies the inaccuracies in my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX account # XXXX amount {$580.00} open date XXXX XXXX last activity 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 2022-04-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-12
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. (FL)

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted! Also discovered that I was a victim of the XX/XX/XXXX Data Breach!
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (WI)

After checking my CONSUMER report I noticed a few updates with companies posting there. LOCKHART MORRIS & MONTGO being one of the companies. LOCKHART MORRIS & MONTGO is alleging that i have an alleged debt totaling {$1400.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Consumer complaint received 2021-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Santander Consumer USA Holdings Inc. (AL)

I was going through old magazines and found a refund letter with an attached pre paid card that expired on XX/XX/20 in the amount of {$24.00} due to over payment of an auto loan from Santander Consumer USA. I was never contacted by the loan company to inform me of this over payment or that a prepaid card would be arriving. After discovering the card today I called the number located on the card issued by XXXX XXXX  to explain my situation and asked for a replacement card so I could utilize my refund. I was informed that due to them charging a XXXX XXXX  monthly non use fee to a card I didnt even know I had there was no money left for another card to be reissued. I asked to speak to a supervisor and was informed that it did not matter because a supervisor would tell me the same thing. I then proceeded to call Santander to remedy the situation and was informed that while she would open an investigation there was nothing they could do as they sent the refund in a timely manner. I feel that I should be issued the refund I am owed as I was never notified this card was coming to watch for it ( despite them calling me several times a day until the insurance company paid them for the car after the accident ) and the card was never activated.if I have to activate a card prior to use then the company should only be able to charge fees to an activated card. Additionally I was not given a choice regarding this prepaid card nor informed of the non use fee prior to being issued the card which goes against the act passed for these very protections.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX Equifax Shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all XXXX bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as XX/XX/XXXX Account 2 ( Original Limit {$500.00} ) Pay history Different across all XXXX bureaus. Remove for inaccuracies. 

XXXX  shows 150 days late as of XX/XX/XXXX Equifax shows 120 days late as of XX/XX/XXXX XXXX XXXX shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years.

XXXX  shows Date of Last Activity as Not Recorded Equifax shows Date of Last Activity as XX/XX/XXXX XXXX XXXX shows Date of Last Activity as of XX/XX/XXXX
Consumer complaint received 2021-06-08
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. (MI)

Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX XXXX  Shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as XX/XX/XXXX Account XXXX ( Original Limit {$500.00} ) Pay history Different across all 3 bureaus. Remove for inaccuracies. 

XXXX shows 150 days late as of XX/XX/XXXX XXXX  shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as of XX/XX/XXXX
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed Federal tax lien ref # XXXX with Transunion twice and even filed a CFPB complaint about how incorrect the item is reporting. The same item has been reported by the other credit reporting agencies and was REMOVED due to the incorrect information being reported. The filing date and even the amount is incorrect and this lien is not in any way, associated with my name, social, nor my DOB. This item must be removed immediately!
Consumer complaint received 2021-02-05
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: Navient Solutions, LLC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Department of Education/Navient. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. The Account Opened is Department of Education/Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, XXXX 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 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 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MD)

I received a letter dated XX/XX/2021, stating that my TD Business bank account would be closed on XX/XX/2021 if I did not respond by that date. On XX/XX/2021, I attempted to log on to my account, but it appeared that my account had been closed without my permission. I contacted my local bank branch ( TD Bank located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX ), and the customer service number that came up on on the bank account ( XXXX ) and the number that appeared on the letter ( XXXX ). No one could help me access my money, so I have no idea where my money is, or how I will be able to access it. I have bills to pay for my XXXX  XXXX, and can not access my bank account to pay them. It is completely unacceptable for a bank, in which I trusted my money, to withhold money that is rightfully mine. I complied with the letter that was sent and replied before the date they indicated in their letter. TD Bank should not be able to deprive its customers of their money.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc. (OH)

On XX/XX/2023 at approximately XXXX XXXX I initiated a payment of {$760.00} to my landlord for XXXX rent. The payment was successfully sent but I noticed that a payment was also sent at that same time of {$760.00} to a user named Cashapp research for XXXX rent. I did not initiate a second payment of {$760.00} to anyone and I immediately took steps to request a refund. Originally the time stamp of the fraudulent transaction was XXXX but has since been changed to XXXX. I was unable to speak with a customer service rep as they were closed for the weekend. Although I could not speak to anyone I knew I could still dispute the charge ; so I initiated a dispute for the transaction on XX/XX/2023. XX/XX/XXXX was a Saturday so I was surprised when I received a response to my dispute on that day, and even more shocked that an investigation could have been completed so quickly. The response I received stated that an investigation had been completed and found that no error had occurred. I have since contacted the company multiple times in an effort to learn the reason behind the decision but I have not received any cooperation. I have also tried to learn who Cashapp research and if it is typical for Cashapp to receive payments from its customers, but I have not received any answers. I have security features on my phone, I am the only person who uses my phone, and my card is in my possession so I am certain no other person could have made this transaction.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that XXXX, XXXX, and Equifax have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting XXXX, XXXX, and Equifax 's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that XXXX, XXXX, and Equifax obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA.

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX  XXXX - {$400.00} FINANCIAL CREDIT NET - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX / XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX SVC - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to XXXX, XXXX, Equifax or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

On XXXX sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation 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 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX of XXXX I came to know that my entire bank of America portfolio was compromised. On XX/XX/XXXX of XXXX my son XXXX XXXX somehow became co-owner of my Bank of America account without my knowledge and in the ensuing year he proceeded to siphon over XXXX in money without my knowledge and also opened 2 Bank of America credit cards that are now owed XXXX in total. I have disputed all of these with bank of america to no avail. Bank of America continues to deny my claims and ensures these accounts are valid when in fact they were open without my knowledge and I should not be responsible for the owed amount. I am a XXXX XXXX XXXX lady and it is clear as day that the purchases made on those credit cards did not come from me. Bank of America should have done a better job as a gatekeeper ensuring that this didn't happen to an elder but they did not and now they're requesting me pay XXXX for two credit cards that are NOT MINE! I have filed a police report and there has been an XXXX report filed for elder financial abuse with XXXX XXXX XXXX. Bank of America takes none of this into account and continues to claim these accounts are mine. This is malpractice. XXXX XXXX is also responsible for the attempt of opening multiple other accounts at other institutions but I have had those dealt with and will attach documentation to showcase that. I have also attached a personal statement that I have sent to BofA to no avail. It is absolutely shameful that they continue with this charade. THEY SHOULD NOT BE ADVOCATES FOR ELDER FINANCIAL ABUSE BY ALLOWING SOMEONE TO OPEN ACCOUNTS IN MY NAME AND DENYING MY CLAIMS CONSISTENTLY.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$1100.00}, XXXX - XXXX SERVICE XXXX Date opened XX/XX/XXXX Balance {$38.00}, and XXXX XXXX BANK, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.