davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

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

This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (SC)

There are 3 medical accounts for the same facility in which I have no knowledge of and certify are not mine. 

I have reached out to the original creditor who was unable to provide supporting documentation that these were valid visits to their facility. The company was unable to determine as they no longer had m records. These negative accounts should be removed from my credit profile immediately. 

XX/XX/XXXX- {$230.00}XX/XX/XXXX- {$170.00} XXXX- {$180.00}
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX  Unverified Account
Consumer complaint received 2020-11-04
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. (AR)

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on XXXX XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  {$230.00}
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica (NV)

On XXXX-2020 I cancelled my car insurance with XXXX of {$210.00} and XXXX-2020 they submitted the transactions without my consent. XXXX-20 I filled a dispute and received partial payment. I was received {$150.00} on XXXX-20. And was tolf that based on the information available to them my transaction has occurred. I disagree with that transaction amount because the product was not how it was represented. And I feel that It was false advertising and misinformed.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

I purchased a new computer from the Apple Store using the Apple Card by Goldman Sachs expecting to receive the heavily advertised 0 % financing offer. Instead the charge immediately began accruing interest. 

I contacted Apple Card support and they told me I could either return the computer ( which was needed ) and repurchase the item or have a manager fix it. I asked for the latter and received no response for several weeks. At that point I called again and was given the same options. Once again I selected the latter and once again received no response. 

I called a third time and when offered the two options decided to try option 1. After waiting on hold for over 30 minutes I was told that option was no longer possible due to the time that had passed. Back to option 2. This was 2 weeks ago and I have yet to receive a response.

I normally pay my bill in full every month and was assured that the interest charges would be reversed. I have now been charged in excess of {$100.00} in interest and have lost hope the issue will ever be resolved.

Thank you
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (CA)

Equifax is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX  # XXXX Account holder not borrower XXXX # XXXX Account holder not borrower XXXX XXXX # XXXX Account holder not borrower XXXX XXXX  XXXX  Account # XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX XXXX  # XXXX Account holder not borroweXXXX XXXXccount # XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX XXXX XXXX  XXXX Account holder not borrower XXXX  # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXXAccount XXXX XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  XXXX Account # XXXX Account holder not borrower XXXX  Account # XXXX Account holder not borrower XXXX  XXXX Account # XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX  XXXX  XXXX Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxx XXXX, XXXX  XXXX  # xxxxxx XXXX, XXXX  Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxxxxxx 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 2020-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (MI)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Portfolio Recovery 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 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX  XXXX  XXXX Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxx XXXX, XXXX  XXXX  # xxxxxx XXXX, XXXX  Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-15
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. (AL)

I consolidated my delinquent student loans with the Dept of Education. Yet, my loans are still showing delinquent status on all three bureaus. This is hurting my ability to correct my credit profile. DPT EDXXXX {$2800.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$3100.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$1800.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$5000.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$2300.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$4000.00} Balance updated XX/XX/2021 5 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments US DEPT ED {$4200.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$1400.00} Closed Unknown payment history US DEPT ED {$3400.00} Closed Unknown payment history US DEPT ED {$7300.00} Closed Unknown payment history US DEPT ED {$2100.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$0.00} Closed 23 late payments
Consumer complaint received 2020-10-25
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. (NY)

Equifax continues to report negative accounts on my report that do not belong to me. They are in violation of the FCRA. I have tried to dispute these accounts with Equifax to no avail.
Consumer complaint received 2022-04-28
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. (SC)

In accordance with the fair credit reporting act XXXX  account number # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-05-07
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. (TX)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2021-05-07
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)

I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, XXXX and Equifax to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
Consumer complaint received 2021-05-07
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. (FL)

I recently pull my credit and i noticed a few collections on my credit with banks that i have nver did business with. i did not authorized any of these account on my credit report. I called XXXX, experian and XXXX to inform them and i was told to send a identity theft report. None of these accounts and credit inquires listed are related to any transactions done by myself.
Consumer complaint received 2019-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The capitol one bank account that was opened in XXXX under my name and social security number is identity theft or a huge mistake if possible. I was only XXXX XXXX XXXX in XXXX and never had an account until XXXX when I went to college. Ive tried to dispute it, Ive called capitol one, filed a complaint in the past and nothing has happened. It is affecting my credit score and it has caused lots of stress. Please fix this issue. Thank you
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

i spoke to a lady on the phone and she said this account should not be in collections also. the loan was already sent to a new company over a year ago they are stopping me from buying a house from reporting the wrong info i need a letter stating this account should not be on my credit report, and remove it from my credit report.
Consumer complaint received 2020-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed the account XXXX XXXX preferred over 30 days ago. Transunion continues to report it despite my many complaints. The account XXXX, I have asked to verify the unauthorized charges, provide itemized statement, as well as provide good contact information. They have failed all my requests. Additionally, Transunion has violated my rights under the FCRA - specifically now, Article 611 for failure to investigate the dispute within a timely and reasonable frame. It has been over 30 days. They have also violated my rights :. The company failed to properly reinvestigate the XXXX account. My third dispute with them was on XX/XX/2020 after they ignored my past disputes. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had several opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. I have asked for documentation from the data furnisher ( XXXX ) on the unauthorized charges. However, they have not provided nor can I get ahold of them because mail is returned and phone they list on my report for them is non -working. Transunion has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). W/F and Transunion has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43, as they failed to correct the inaccuracies or provide documentation to my request. I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law
Consumer complaint received 2022-04-07
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. (CA)

XXXX XXXX XXXX reported XXXX late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.
Consumer complaint received 2022-04-07
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance {$1500.00}.
Consumer complaint received 2017-12-21
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: AFNI INC. (FL)

I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.