davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-05-14
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. (AL)

My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2023-01-27
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX Owed : {$5200.00} XXXX  XXXX Balance Owed : {$470.00} XXXX  XXXX Balance Owed : {$620.00} XXXX  XXXX Balance Owed : {$1100.00}
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by Chex. 

In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. 

Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. XXXX XXXX XXXXXXXX unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed XXXX account that listed as " abuse and or fraud ''. 

This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. 

Chex System, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. Thanks.
Consumer complaint received 2021-02-22
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)

Hello, I am very sad and stressed out, as I keep writing to you regarding my problem already for a long time. The account reported is not mine, only one bureau keeps reporting this error, what else I need to do in order to make you to pay attention to my problem and remove this finally. I already applied so many reports that I am shocked how come until today I am that much ignored. This item is not mine, I do not want to see this in my own credit report. Why EQUIFAX keeps ignoring my problem? This is a mistake and Identity theft issue, why I am ignored? Please remove it finally because I do not know whom else to write about my problem. Please I kindly ask you to take appropriate actions finally and help me. This is my credit report and my face you know, I can not apply for mortgage because of this and my family is waiting for sooner resolution. Thank you
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

COMPLAINT ID XXXX COMPLAINT ID XXXX To whom it may concern, Referencing the above complaint IDs, I received the attached response/letter by Bank Of America stating that they have denied my request to refund my money back and that I should just contact the person who I sent the money to which is by far the most unacceptable response by BOA. 

They well understood that this contact number which I provided them the phone number which FTC has put a recording to indicate that this contact was harassing consumers with fraudulent identity to take payments from them and there is no way I can contact this person to get my money back so this is a joke by bank of america to state in their letter to contact this person which they knew was a fraudlent identity which they should have caught within their own banking system as stated in their service level agreement. 


As mentioned in the complaint ID XXXX in much details, BOA failed to follow their own service level agreements which stated per attached document I copied their print screen of service level agreement states that at times Network Banks will put a hold on a transaction to validate the identity of the sender or receiver to avoid fraud identities of sender or receiver. This wasn't done in this  case and BOA knows about many of these fraudulent XXXX transactions and yet haven't done much to protect their consumers and haven't follow their own service level agreement in place. 

They also told me that they have indicated on their site to only use XXXX for friends and family. Which by the way there is not such a direct and forceful statement nor content in place anywhere on their site. It is also noted that XXXX can be used by businesses, which also contradicts their own excuse that they have advised consumers to only use XXXX for friends and family. 

I need your help to get my {$700.00} dollars back from Bank Of America and please make sure to have this matter to be investigated for class action law suit against BOA who have introduce a system to their consumers that they can not provide protection against fraudulent identities which they have indicated in their own service level agreement as per attached.
Consumer complaint received 2017-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Hello I have written many request to experain to validate things on credit report. They are saying that validated these accounts but have no proven to me these accounts are mine. According to federal my accounts must be validated with proper documentation which experain has never given me.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dates : XXXX.XXXX/2017 ; XXXX.XXXX.2017. 

Actions : Repeatedly tried to obtain my online credit report from XXXX to correct inaccurate information obtained within my credit file without success. 

I was denied credit for an auto loan which initially sparked my inquiry. 

Please advise.
Consumer complaint received 2021-08-09
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: AMERICAN EXPRESS COMPANY (GA)

Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. American Express, XXXX  XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I received a notice from XXXX  that Synchrony bank increased my credit card limit from {$6000.00} to {$8500.00}. I never requested this nor do I want it. I asked them to reverse it but I dont trust them. I want my limit back to {$6000.00} and my account noted to NEVER change my credit limit without permission.
Consumer complaint received 2020-09-16
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. (LA)

I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.
Consumer complaint received 2017-08-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

An inquiry took place on my experian credit report on XXXX XXXX, 2017. I was never contacted with the results of this dispute in writing, email or via phone. I had to put a security freeze on my credit report due to the unauthorized inquiries that took place.
Consumer complaint received 2023-01-27
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. (MA)

Good afternoon, my name is XXXX XXXX, and I have a problem with the mortgage company and Experian, I file a dispute about my mortgage company, my old company sold my mortgage to a XXXX party, and I have been in my house for over ten years now and have never been late until now, my old mortgage company didn't transfer all the information about the auto payment, and nobody told me about the late payment, they never set up my auto pay once they transfer the mortgage, please can someone help me I already disputed the account and the scored with the credit company but they have not done anything as of yet, I need them to fix my credit score, I spoke to the mortgage company and they said that they were going to fix my credit, I have already paid the balance and still the company has not fixed my credit report. I need help with this matter Experian the credit company has not done anything to fix my credit, my credit score has gone down XXXX points and they for some reason don't restore my credit as of yet... 

please can someone help me with this, I would really appreciated it. 

Thank you XXXX XXXX
Consumer complaint received 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2023-01-27
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. (DC)

THIS COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.
Consumer complaint received 2023-01-27
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. (AZ)

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

Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Systems, Inc (IL)

Sometime back in XX/XX/XXXXorXX/XX/XXXX, I contacted XXXX XXXX XXXX  which is located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I was in need of somebody to provide maintenance to my deceased mother-in-laws lawn. XXXX  proposal was either {$35.00} or {$40.00} per visit to mow the lawn. I do not reside in the area of my mother-in-laws house therefore I didnt not know when it was being maintained and when it was not. A neighbor of my mother-in-law called me to inform me that they did indeed cut the lawn and to ask me how often are they scheduled to cut the lawn to which I said weekly. The neighbor told me that that was to often and to think about it being cut either every two weeks or once a month to which I called XXXX  to request it be cut either every two weeks or once a month. When I placed the call I had no choice but to leave a message on theyre answering machine due to nobody picking up the phone. Mind you this was around the time of the first cut and I did not hear back from XXXX so I thought they had gotten the message and did not cut it as often. I just received a letter in the mail from a collection agency named American Credit Systems Incorporated informing me that I owe {$470.00} for an entire summer worth of lawn maintenance to this property. I feel that XXXX is taking advantage of me and sees this is an opportunity to make money even further and theyre attempt to dismiss me notifying them to begin with.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY CREDIT.
Consumer complaint received 2020-06-28
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. (TN)

XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But Equifax and XXXX  will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove XXXX.
Consumer complaint received 2017-08-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Integrity Funding Ohio, LLC (NY)

This was a payday load with a very high-interest rate ( over 40 % ). My husband was in the XXXX and activated to full-time when I received this loan. I did not know about the laws concerning lending to military families. Furthermore, we qualified for SCRA so the rate should not have been more than 6 %. I called the company. the amount I had already paid back was over principal + 6 %. It was sent to collections and is on my credit report.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (UT)

This debt was reported in XXXX. The date was recently changed to XXXX. The debt was scheduled to be removed this year. Ive contacted XXXX, a dispute has been opened, again. XXXX stated that it had been changed and it would come off XX/XX/XXXX. It didnt. I contacted them again and was told, the original debt was XXXX and not Enhanced Recovery. This is not true. I have seen it under Enhanced Recovery this entire time. Enhanced Recovery is intentionally, illegally effecting my credit. 
I would like this removed and Enhanced Recovery fined for bad business practices. 
I have stated repeatedly, I have no knowledge or recollection of this debt.