davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (TX)

On XX/XX/2023 Amount of XXXXXXXX XXXX with a transfer fee of XXXXXXXX XXXX  was made to transfer money from my company payroll card " money network " to my personal XXXX XXXX  ending in XXXX money network however has failed to provide facts of date and time when payment was successfully delivered and denys to provide proper information of investigation taken in order to deny the credit of XXXX with XXXX back to my accounts and can also not provide name and date money network agents spoke to XXXX agents in regards to settle and investigate money transfer
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to dispute several inquiries multiple times with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me back to Transunion. These inquiries into my credit file were not authorized. 

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 I am requesting information on how Transunion conducted their investigation into my previous dispute ( s ).
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/2022 has violated my rights. Or list of inquiries 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 2022-02-11
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. (PA)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( XXXX XXXX XXXX XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). 

... ... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Consumer complaint received 2023-03-28
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX This account in inaccurate, and then incomplete. 
1. Has an Incorrect Pay Status, and should Paid/Closed XXXX Balance 2. XXXX says was opened XX/XX/XXXX, and Closed XX/XX/XXXX 3. HAS Balance History for the duration of the time the account had been CLOSED through XX/XX/XXXX 4. HAS Payment History for the duration of the time the account had been CLOSED through XX/XX/XXXX 5. Is incomplete and inaccurate
Consumer complaint received 2024-01-26
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous and misleading. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX  Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX  Balance : {$1400.00}, XXXX XXXX XXXX  Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00}XXXX XXXX XXXX Balance : {$0.00},
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

Jefferson Capital Systems is a scam and is a company based in XXXX. They are trying to say I owe them {$410.00} for XXXX XXXX phone service - a company that Ive never dealt with. There are no stores by me and I have never even been in one. Im not sure how theyre doing this but the debt is not legit. All of the complaints say that they scam people in this way frequently. And their debts always have to do with cellphone service companies. Their sister company XXXX XXXX XXXX does the same thing. That is strange. The debt is ruining my credit and the company is not doing anything to remove it. This cant be legal ... can it?
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report.
Consumer complaint received 2021-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (FL)

In XX/XX/XXXX, I entered into a contract agreement for {$45000.00} to finance solar panels for my house. I agreed to have payments of {$180.00} withdrawn from my bank account on the XX/XX/XXXXof every month. I was told that I have the option to also apply the tax credit that I receive from the IRS to this balance and the loan will be reammortized. After my payment was automatically deducted from my bank account, I paid an additional {$200.00} in XX/XX/XXXX ( applied XX/XX/XXXX ) that I expected would be applied entirely to the principal balance. Instead, only {$150.00} was applied to principal and {$44.00} was applied to interest and the next due date was extended to XX/XX/XXXX. 

I called customer service and was informed that Mosaic always takes interest first. This seems highly suspect and illegal to me. I'm now worried that the tax credit that I plan to apply will also have interest deducted from it. Please look into this unethical practice.
Consumer complaint received 2019-02-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Recoveries, Inc. (AZ)

I received a letter in the mail on the XX/XX/2019 it is  dated XX/XX/2019 and it's in regards to a defaulted student loan or Grant overpayment held by the US department of education is from the national recovery corporation I called when we received the letter and Ispoke to a gentleman who told me I needed to make a payment now if I did not make it a payment or I felt that it was not mine that I needed to file a dispute within 75 days or they were going to take my taxes. within that week less than 7 days my federal taxes were taken within the 7 days of that time frame I did get ahold of XXXX XXXX  and XXXX   and I filed that identity theft. They inform me " XXXX  '' that this collection company that they are not a borrower they are not a legitimate company National Recoveries that they're not a legitimate company they don't have them as one. So I went to my tax accountant he told me that I needed to call or go online to you guys to get this disputed
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has misreported a balance on a credit card that I paid off over 6 years ago. I noticed it was still on my credit report when I checked it in XXXX. I 've written them and disputed with the credit bureaus however nothing has been resolved. The balance should be showing {$0.00} Please assist
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

I have been receiving no less than three calls a day from the same company they never leave a message and when I try to call them back there 's no one speaking XXXX for me to talk to and I get hung up on. I think it may be someone who 's trying to collect for Debt but I do pay my bills. Also, I think that because of the incessant calling it must be a collections call but its ridiculous because they do n't even leave a message.
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BoFa was supposed to close my home loan on XX/XX/XXXX. BoFa 's underwriting department decided on XX/XX/XXXX to change the terms of my loan, and classified my home as non-owner occupied. They told me I need to pay a 25 % down payment, they took away {$2000.00} in lender credit and charged me {$2100.00} in loan amount points. They changed my interest rate from 3.375 % to 3.500 %. BoFa had a promotion going on that if I brought in $ XXXX in new money to BoFa, then they will give me a .25 % reduction in my loan. I brought the $ XXXX over to BoFa and my new interest rate should have been 3.125 %. Underwriting never gave me an explanation on why my place is considered non-owner occupied. I told BoFa that I do n't plan on moving. The seller was purchasing another property, so I did not have time to shop around for another bank. I had no choice but to close with BoFa. BoFa dragged out closing this loan, and I closed on XX/XX/XXXX. I purchased the property that I lived in for the last two years, and the owner did not involve a realtor in the sale of the property. I kept telling BoFa that the non-owner occupied classification was a mistake, but they would not correct this. The loan officers told me that underwriting has already made their decision. It is not right they told me this right before closing. I have no idea how to fight this or what my rights are at this point.
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX The car engine blew and the company XXXX want to fix the vehicle which was under warranty. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

XX/XX/XXXX : I was a victim of identity theft through a theft of my XXXX and associated passcode and wallet. The phone and XXXX XXXX were used to make many unauthorized transactions ( approx {$6000.00} ). I notified XXXX XXXX within hours of the incident as well as providing a police report to the same effect. I also requested my account be closed as I no longer had the card or XXXX. The account was closed as requested. 

XXXX XXXX disputed the transactions and after an investigation found all fraudulent transactions to be truly fraudulent and did not hold me responsible. 

XX/XX/XXXX : However, several months later, I was notified of a delinquent account on my credit report in the amount of about {$100.00}. I contacted XXXX XXXX to dispute this report and informed that as a matter of course in reversing the fraudulent transactions, XXXX XXXX actually charged me a small percentage of each transaction due to their rewards program. 

I explained that I did not have access to these rewards as I lost the phone and closed the account ( I actually believe the thieves may have used those rewards too ) and that I should not be responsible for downstream effects of fraudulent activity, regardless of XXXX XXXX rewards program . 

They informed me they would open a dispute and I have had no resolution since. 

At the same time, I filed an identity theft dispute with XXXX and Experian ( the reporting agencies at this time ). They both opened investigations and apparently XXXX XXXX continued to verify the accuracy of the delinquent account. 

In early XX/XX/XXXX I paid the full balance XXXX XXXX alleged that I owe to a void their continued reporting, however I contest that any amount was ever owed. 


I have also attached the original dispute letter which includes my police report as well as my FTC Identity Theft Report.
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a XXXX  Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and XXXX  a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent XXXX letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine XXXX times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-11
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: National Credit Systems,Inc. (OH)

XXXX, XXXX, and XXXX Re : XXXX XXXX, XXXX XXXX National Credit Systems listing for {$500.00} XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX On behalf of my client, XXXX XXXX XXXX SSN XXXX ), I am contesting an entry on her credit report from National Credit Systems , for a sure deposit. The debt is for {$500.00}. 

This debt is being contested as being illegitimate. My client contests this debt and insists that she did not create this debt in her name. You must show Client proof that she signed up for this, We are demanding proof, if you can not show proof that my client signed up for this, please remove now. 

Please remove this debt from XXXX XXXX credit report. If you have more questions, please let me know. Thank you. 


Sincerely, XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX. 


Cc : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XX/XX/XXXX  SS : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX My information was sold and bought illegally because I was a victim of the XXXX XXXX breach. I want these deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account name : Account number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Referance number : XXXX
Consumer complaint received 2022-02-11
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GOLDMAN SACHS BANK USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.