davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XXXX Equifax Information Systems Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below is not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified this account? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : XXXX, {$370.00}. 

Thanks, XXXX XXXX
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (IL)

There are several inquiries that I have no account for. Please remove them as I have listed them below. 

XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (GA)

I have tried to dispute many objects on my XXXX and equifax report. XXXX is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with XXXX it is getting worse. I am not sure if the companies is reporting things correctly or how XXXX is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but XXXX, it is rapidly declining. I am not sure what else to do.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (MS)

The Credit Bureaus XXXX XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2023-01-26
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$17.00} XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$200.00}
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (MS)

The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/XXXX at XXXX and XXXX there were two fraudulent charges on my account that I did not authorize. The first being fraudulent XXXX  XXXX New York for the amount of {$140.00} and the latter being XXXX XXXX XXXX XXXX XXXX New York for the amount of {$100.00}. I did not have knowledge of either transaction nor did I give permission or authorize these charges in any way. Both transactions were made out of New York and I do not reside, have ever lived, or even known anyone from that state. 

After seeing these charges on my bank statement I immediately opened a dispute with Current Bank and even took the extra initiative, contacted the two merchants myself, and was successful in stopping the purchases. Both merchants were able to find the charges and cancel the transactions. 

Current mobile banking started a claim with a dispute on XX/XX/XXXX which remained opened and in review until a decision was stated 4 months later on XX/XX/XXXX. 

Although, the dispute did show, it was yet to be resolved in my banking app. Later on I did receive an email stating that no error occurred and I would not be getting any adjustments on my account. 

After waiting all that time, I had reached my peak with the unacceptable, unethical, and downright unprofessionalism of the bank. This is the third occasion where my bank account was hacked into and I lost funds. Every time I have made a claim and disputed it I was denied. I also had a fraudulent charge on XX/XX/XXXX for the amount of {$96.00} for XXXX that I did not make. A claim was made for this issue as well and no reimbursements were made. In addition, there was a purchase that I actually did make myself but never received the item on XX/XX/XXXX for the amount of {$76.00} through XXXX. This one I tried to get reimbursed as well and { ( Current Bank ) ( XXXX XXXX XXXX ) } did absolutely nothing for me. I am absolutely fed up with their unethical practices at Current Bank and have already changed my direct deposit from their bank to another and am also prepared to report their problematic business with the XXXX. I have tried over and over to get in touch with live agents from the bank and have been stonewalled and denied justice repeatedly. I have concluded that I will no longer utilize this bank. 

P.S. Two of the 4 merchants responded with emails stating that they were able to stop the fraudulent charges and both provided a ticket to track my case. ( see attached emails ) XXXX denied me and instructed me to go through my bank for the ( XX/XX/XXXX ) transaction that I did actually make. For the ( XXXX, XXXX ) charge it was too late to contest with XXXX due to me not seeing it until the transaction had already been processed.
Consumer complaint received 2022-09-08
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. (TX)

On XX/XX/2022 I contacted XXXX XXXX XXXX AND EXPERIAN Via expedited mail I have mailed in police report that affidavit etc. even proof of address XXXX XXXX XXXX AND EXPERIAN failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section XXXX of the fair credit reporting act XXXX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

American Express has constantly been reducing my credit limit on some of my American Express credit cards this year including my gold card in which they took from me an annual fee of {$290.00}. 
This last reduction of my credit limit today on my account ending in XXXX from a credit limit of {$3400.00} to {$2100.00} will reduce my XXXX score by at least 30 points. 
I have been a customer of American Express for over thirty five years and never had a late payment or used more then 50 % of my credit limit on any of my cards. 
As of today my total outstanding balance on all my American Express cards which are five cards is no more than {$4000.00}. And even before American Express started reducing my credit limit this year on various American Express cards my outstanding balance was never more than 50 % of my credit limit. 
I tried to settle this latest issue with American Express but they would not relent. 
They asked me what my income was and then wanted me to send in proof of income. I told them that if they reviewed my credit report they would see that my monthly payments to all my credit trade lines is at least {$7000.00} a month totaling an income of at least {$84000.00} a year. But apparently thats not good enough for them. I once did in fact send in proof of income due to a credit line reduction but it did me no good as they refused to reinstate my credit limit. I am a hardworking business person and no longer have time for their pettiness. 
It seems they are attempting to damage my credit score in the hopes that with a lower XXXX score my other credit card vendors will also reduce my credit limits which so far they have not. 

This is an egregious abuse on their part. I will no longer pay an annual fee to them. In my continuing my relationship with them as a XXXX XXXX client this year they have incurred punishment upon me. 
And I will inform my business clients of just how mean spirited and abusive they are. 
And to mention with this horrible pandemic that we had to live through they would have a decent attitude. Shame on them.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The car was a lemon and when I tried to return it XXXX days after purchase the dealer XXXX XXXX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to take it back. The car demonstrated the following, the first day of driving it off of the lot the car stopped at a light and did not move so I brought the car back and they changed the batter then after that the car wouldnt start intermittently still, it would shut off sometimes when it did start, there was something hanging from the bottom of the car & after maybe 2 months the car stopped starting completely. I could no longer make the payments so I had to return the packet to the dealer and I can not have a car parked in the street without plates and I didnt not have anywhere else to park the car so the car ended up denting sent to the dealer to figure out what was wrong and it ended it in being repossessed due to non payment.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America without written notice begin charging my savings account a monthly maintenance fee of XXXX per month for being below the minimum threshold of {$500.00}. 
I have never paid this fee in the years prior to having this account when the balance many times dropped below {$500.00}. I received no notice of a change of account terms and a {$500.00} minimum balance amount was never a feature of this account. 

I as a consumer would like a refund for the XXXX months since XX/XX/2021 I was charged the fee totaling {$64.00} I have since closed the account in question with Bank of America.
Consumer complaint received 2022-06-07
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-22
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: LEXISNEXIS (NE)

Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and XXXX have me in collection due to an account from XXXX with XXXX  which I never authorized at all It was someone who had stolen my identity he used my social to open that account in XXXX. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in XXXX  making XXXX  when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. Lexis Nexus has also publicly reported the theft all over my Lexis Nexus reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.
Consumer complaint received 2022-10-13
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-26
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-26
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX and Equifax have all the incorrect information listed on my credit report. My name is incorrect, my address is incorrect, my employment is not listed, and there are items on my equifax and XXXX credit reports that I have been trying to have deleted for a few years now.