davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX XXXX XXXX XXXX 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 2023-01-13
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX a check cleared my first XXXX XXXX ( now XXXX XXXX XXXX  ) checking account. The amount of the cleared check was for {$1500.00}, and I knew I never wrote a check for that large a sum. I noticed it while checking my online account, so I clicked to view the check. the name of the person I wrote the check to was crossed out and another name was written over it. The original amount of the check for {$15.00} was changed to {$1500.00}. the line with the written amount remained unchanged ( still written for XXXX and XXXX dollars ), yet this check somehow cleared for {$1500.00}. the check had been mailed at the XXXX, Illinois XXXX XXXX, and very obviously was intercepted at some point and altered. I immediately went to my first XXXX XXXX in XXXX to report the incident. They reported that the check was deposited electronically at Bank of America. I was told that the written line amount always would supersede the amount in the dollar amount field, but somehow this was not the case. Also, a crossed-out name should be flagged and such a check should never be cashed. An affidavit was files around the XXXX of XXXX ( though XXXX XXXX says the affidavit wasn't officially filed until after the bank merger of XX/XX/XXXX ), right after I caught the fraud on my account. It has now been 6-7 months and XXXX XXXX claims the burden to return my money falls entirely on Bank of America . I have been to the branch numerous times and am given the same answer each time, i.e., that it is not their problem and Bank of America needs to act. Bank of America told my banker that because they have had so many fraud claims, they are backed up and there is no time frame in which they are obligated to return my money. The investigation should be easy with 2 glaring check alterations. Is there truly no time limit on the length a fraud investigation needs to be resolved?
Consumer complaint received 2023-01-13
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX Date opened : XX/XX/XXXX Balance : XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-13
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN is reporting an account XXXX XXXX XXXX XXXX with an abbreviated name and account number. This is incomplete information which is forbidden by the FCRA. In addition EXPERIAN continues to claim this account is verified however I never received cash or a loan so there can be no debt reported to my consumer report. Lastly EXPERIAN is reporting a balance of {$6900.00} on a closed account and they are reporting marks of a charge off on my payment history when the account is closed. These are all willful violations.
Consumer complaint received 2023-01-13
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)

EXPERIAN is reporting a fraudulent auto account in my name. XXXX XXXX XXXX is stating the I owe the XXXX for an auto loan/ lease in my name. This account was established in fraud and does not belong to me. Now the credit bureau is reporting this account twice via collection and direct creditor which is making my debt to income ratio deteriorate. The account is not mines and was opened in fraud. I have sent them numerous documentation proving that I have been a victim of sever identity theft and they are refusing to help with this serious matter. I have asked them supply me proof of this debt that they are verifying ......
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I don't have an account with this company XXXX  EDUCATION. My loans have been settled from XXXX and the only loan I have is a private with another l lender. 

This company XXXX XXXX has never been in contact with me via mail or phone. I've disputed several times and the credit agencies are not investing properly.
Consumer complaint received 2023-01-13
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. (GA)

This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to 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 You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File!
Consumer complaint received 2023-01-13
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. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & well being. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc. (FL)

Kickoff lending advertisement state that you pay a total of XXXX dollars monthly and they will report to your credit report as a loan payment. However, there was no loan taken out. 
I was mislead thinking it was a credit repair company. When I realized what this company was and stopped paying they are not reporting a ghost loan as late on my credit report because I have not made the XXXX dollar payment. 

This is fraud. I didnt receive a loan from this company. There is nothing to pay back. Reporting it to my credit report as a late payment is extremely misleading
Consumer complaint received 2023-01-13
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. (IL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-13
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)

Today I disputed an incorrect address on my consumer report with Experian. Firstly, I had to get transferred to three different people because the first people were not trying to allow me to dispute information that I can prove is inaccurate. The last representative allowed me to initiate the dispute, a few hours later, the information came back verified.. Accordingly, I can show a judge that this address is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate the information. Using the EOscar system is not a proper investigation! Using the same information, that the furnisher of information has provided to you without doing your own investigation is not a proper investigation. Experian is not providing method of verification because it will prove they did not do a proper investigation.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (MD)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (NV)

My XXXX  was purchased brand new in XXXX XXXX and Financed through Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX. 
Their payment address is : XXXX XXXX XXXX XXXX GA XXXX This bank has no online payment portal or website, does not take payments over the phone without a fee and now has NO PAYMENT Processing center. 
I sent my payment for XX/XX/XXXX to them on XX/XX/XXXX via XXXX XXXX  XXXX XXXX it was mailed to the XXXX XXXX in XXXX Because this company has no technology XXXXXXXX XXXX mails them a physical check. XXXX XXXX mailed the check for XXXX on XX/XX/XXXX to the GA XXXX XXXX XXXX On XX/XX/XXXX I noted the payment had not been cashed/cleared my bank account. On XX/XX/XXXX I called Synchrony @ XXXX and was told I needed to wait 7-10 business days. This was weird because usually Synchrony cashes it either the day its sent or the next day. My wife called them back on XX/XX/XXXX and was told that their payment processing center in GA ( address listed above in GA ) was unknowingly or surprisingly shut down and all payments had been routed to someplace in Texas. My wife has called them every day starting on XX/XX/XXXX to see if they had the payment. 
Today XX/XX/XXXX when she called, she was told that we need to wait for the checks to be caught up. They are trying to process thousands of checks, but this is not my problem. If we want to make a payment tomorrow ove the phone XX/XX/XXXX for our due date of XX/XX/XXXX it will cost us a Fee which they refuse to waive. They refuse to provide a new payment address and have left us almost to the point of not being able to make our payments let alone timely. We need help making sure payments are captured timely and posted timely. 
I find it very hard to believe that they had no forewarning about their payment processing center in GA being closed. I also find it hard to believe that they have NO OTHER WAY of accepting payments. They want to setup for direct XXXX withdraws from my checking account, but they can't even handle a paper check so I can't trust them on this. 
At this point my XXXX/XXXX payment is going to be late due to their ineptitude and they say they will waive fee 's but I doubt that as well.