davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IL)

XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to establish a Target retail account without his consent. Target was provided all needed dispute information  X/X/17    via certified mail, return receipt, which they received   XXXX    . During that time Target has continued to report this fraudulent account to our client 's  XXXX  and  XXXX  credit reports as a late account. Mr.  XXXX  has contacted Target on several occasions to inform them of the reported fraudulent account and the fact that its late status has had a negative impact on his credit reporting information ; each time he is told Target will correct this information however as of this date  X/XX/17    that has not happened. In addition Target has failed to notify our client of the results of the dispute as is their obligation to do so within a maximum of  45 bu siness days of receiving the dispute information. Target is in violation of the FCRA concerning and my clients federal consumer rights concerning this account.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

This company closed my account arbitrarily in   XXXX   XXXX   soon after I opened it based on their relationship with a family member which they refuse to explain. I have never dealt with such an unethical and rude financial institution that wants to collectively punish family members and refuses to disclose any reasoning behind it. This has damaged my credit and I expect the inquiry for it to be removed from my  XXXX  report that is dated  XX/XX/XXXX  I should n't be punished for a company 's bad policies that have nothing to do with the current customer as they acted in bad faith with this account.
Consumer complaint received 2017-09-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America 's Collections Unit sent a NOTICE OF INTENT TO FORECLOSE ( NOI ) letter dated XXXX XXXX, 2017. They are trying to foreclose on my property.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX XXXX card is harrassing and placing false information on my credit report after numerous attempts to get this matter resolved. Statuses of limitation shows they can only legally sue within 7 years of delinquency. They are reporting incorrect information such as dates and revolving amounts which are hurting my chances of purchasing a home. The predatory rates for a military affiliate are killing my chances of living an American dream and killing my future. This company refuses to be compliant and work with an XXXX individual. This company refuses to validate the debt and send documents requested. I have the right to request verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with Basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also like a copy of the Tax Registration Certificate! The company refuses and they are rude and biligerent when you are trying to communicate.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (CA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (CA)

This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-09
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 2018-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc. (TX)

I got informed that my car loan account has been transferred to mid-atlantic finance from XXXX XXXX XXXX without notice on XX/XX/XXXX.  I had serviced the loan with XXXX XXXX XXXX for a period of 7 months before this transfer, the issue is that the record I had with XXXX XXXX XXXX [ {$1000.00} ] does n't match the record presented to me by mid atlantic finance [ {$1300.00} ], I made another payment of {$200.00} to XXXX XXXX XXXX which the payment id number is XXXX but not yet included in the copy of receipt I sent, but I took its fotograph and send along with the other receipt. I tried severally to make phone calls, sent e-mails to both companies to resolve this issue as i 'm ready now to pay-off comes the XX/XX/XXXX but all to no avail. please, to whom it may concern kindly assist to re-evaluate the record set it straight once and for all as I cant afford to loose my van. I have spent more on the van for maintanence and its the only means of conveying my kids to school..
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted this complaint to update this suspicious information. The Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (PA)

For the 4th straight month MoneyLion has inaccurately reported my account as late to all three credit bureaus ( XXXX  XXXX  XXXX  ) each month a investigation is launched and is found that MoneyLion has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX as late even though that it was NEVER late and was never reported as late until XXXX ( again was already reported as paid on time and current to credit bureaus until XXXX ) this is VERY inaccurate as I have never missed a payment
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (PA)

Hello, I want to delete information that's currently on my file. This information is identity theft, and I did not make these charges stated on my credit report. I beg of you to deleted these incorrect items off my report. i reported the theft of my identity to the Federal Trade Commission and i also included copies of the Federal Trade Commission 's Identity Theft Affidavit. i appreciate if you deleted these items as soon as possible. I am trying to relocate to another state because the state that i am in Covid 19 cases are sky high. This identity theft is stopping me from doing so.
Consumer complaint received 2018-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (FL)

XXXX XXXX, XXXX ( 2 mos ) XXXX XXXX XXXX I have never been to XXXX XXXX XXXX XXXX and I do n't know where this hospital belong. Please remove this off my reports
Consumer complaint received 2024-01-29
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. (SC)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AR Resources, Inc. (FL)

I never received notification that I was being sent to debt collections. I am in agreement that I was sent a bill however I did make dispute with my insurance  carrier  so I thought they paid the debt. I was never contacted further by the collector that I still owed this debt. I by all means pay all my bills & am willing to pay this too however I was never informed via phone, email or mail that I still owed this debt.      AR Resources (  debt collector ) Reported  XX/XX/15    {$740.00}
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-24
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)

On    XXXX   XXXX   XXXX   I  called Transunion to get credit inquiries removed from my credit report which were posted in error. I tried to get the customer service representative to help, but the person would not help and take care of the negative inquiries reporting to my credit report. My name is  XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MA  XXXX , and the my social is  XXXX . The following inquiries should be removed :  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 2021-09-09
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. (CA)

On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-07-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC (FL)

You threatened to pursue legal charges against me in my county of residence, even gave me a deadline prior to you submitting such " charges '' You also, despite being asked not to, CONTINUE TO contact my family and discuss such situation with them. Consider this notice of representation Threatening Arrest or Legal Action. The threat to take any action that can not legally be taken is prohibited Contacting Third Parties. Revealing or discussing your debt with neighbors, co-workers, family members ( other than spouse ), or friends is strictly prohibited.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CA)

They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-13
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: CITIBANK, N.A. (NJ)

I had retained XXXX XXXX XXXX to handle a IRS tax issue I paid {$7200.00} spread out on three credit cards Citi Bank, XXXX and XXXX XXXX  Visa. XXXX asked me to sign the form so they can charge Citi Bank {$1000.00} and XXXX {$4000.00}. XXXX XXXX XXXX has honored the dispute. The bottom line is XXXX did not complete the service they were hired to do. I had an IRS letter response to an offer XXXX made when I faxed this time sensitive XXXX failed to take seriously. I had faxed this letter over to my Case Manager XXXX XXXX on XXXX XXXX, with Ok from my fax that it was delivered. XXXX XXXX I sent two emails to her asking for confirmation of receipt, no response. XXXX XXXX called left message, Friday XXXX XXXX, called three times left three messages no response. Monday XXXX XXXX comes around no response from anyone. Now I am worried so I start looking for a new Tax Attorney because I have deadline to meet within three weeks with the IRS. XXXX XXXX this XXXX XXXX Quality Assurance person calls only because they rec 'd. the BBB Complaint and she was very defensive about it she told me well you did not give the Case Manager time to respond Are you Kidding me! She had four days to respond to either two emails or four phone call messages. That is poor Customer Service especially for the amount of money they charged me. I want full refund plus they should pay for my new Tax Attorney. His initial bill is {$1000.00}. So I put this matter in Dispute with Citi Bank and XXXX Card provided all the information and documentation to support my point they did not provide the service I contracted with them they left me high and dry. 
Citi Bank sends out form letter stating they provided the service and therefore they would not honor my dispute. I then wrote to their CEO who had them reopen the dispute and few days later I get another letter stating because I signed the ok to charge my card they were obligated to charge the amount back to my account. Sent a letter to XXXX ' CEO they are looking at it. Does not XXXX have to provide the service they told me they would do and advertise on radio and TV. They left to hire another Tax Attorney. Why should I pay for something I did not get. This a fraud and XXXX Blackmailed me. They even called to say even you do not drop all complaints they would not reimburse me anything. I was not dropping the complaints with the BBB XXXX and XXXX reviews. Citi Bank is honoring a fraudulent company claiming it is their policy once you sign and Ok to charge your card. How was I going to hire them in the first place. They told me to go to the merchant directly and I did send email to XXXX XXXX she will not respond.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 

XXXX XXXX XXXX : {$23000.00}.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

Law Offices of MBA has put a collection on my credit report from XXXX XXXX XXXX XXXX in XXXX of XXXX. I went to the emergency room in XXXX and my bill was paid in full with my insurance. I never received a single bill after I paid. I am in the XXXX  and have good insurance ( XXXX  ). There is no reason I should have a {$2300.00} collection when the hospital was in network, had my insurance, and I already paid the bill. I never even got anything in the mail regarding this collection, it just popped up on my credit report. I am unable to get anyone on the phone from either of these companies. If you look at XXXX reviews law office of mba, it is littered with people with the same complaints as myself. They are doing this to a lot of people.
Consumer complaint received 2017-07-27
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. (LA)

Incorrect information on my credit reports from XXXX, TRANSUNION and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report is displaying a late payment record for a credit card account. XXXX claims that no late report was issued to the credit agencies. ( See chat transcript ) I  want the negative information removed, as the payment was not late per XXXX!