davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCFIRST CORPORATION (OK)

On XX/XX/XXXX  I, XXXX XXXX, used the drive through teller at BancFirst location in XXXX, Oklahoma to make a deposit of two customer 's checks made out to our company " XXXX XXXX XXXX XXXX  ''. A check from XXXX XXXX our customer, wrote a check to us for {$2000.00} and another customer, wrote a check to us for {$660.00}. The deposit totaled {$2300.00}. The deposit slip was filled out by XXXX XXXX my husband. The XXXX XXXX was signed and dated by XXXX XXXX and the " less cash received '' box was filled out for the amount of {$300.00}. I, XXXX XXXX had submitted other deposits with no issues. The teller took the deposit slip and checks and walked away from the window. The teller returned about 7-10 minutes later and stated that I could NOT have the cash back because my name was not on the account. I, XXXX XXXX asked the teller to please call my husband, because I'm supposed to be meeting him with the cash so we could both pump gas in the company trucks. The teller did not respond. Next, I asked if the teller would please return the deposit, so that my husband could complete the transaction. The teller absolutely did not respond to me. The teller sent something through the machine/vacuum tube that returned only a receipt for the deposit back to me. I drove away. I gave the receipt to my husband and told him what happened. 
So, now I, XXXX XXXX am working on my husband 's accounting ; the customer XXXX XXXX paid another payment on their account, as we have a tractor repair business and my husband has been re-vamping and repairing an older tractor for over a year now. I, XXXX XXXX, printed a statement for our customer 's account balance due. The customer did not agree with my findings, as he believed he'd paid {$300.00} dollars additional monies than we advised. So, I, XXXX XXXX looked at all of the deposits and figured out that the above deposit was NOT credited the {$300.00}. Whenever I'd reconciled the bank account, I applied the customer 's payment ( less ) than I should have ; I was looking online at the deposit recently and noticed that the TELLER at BancFirst slashed the " subtotal '' and the digital stamp on the deposit slip only reflected {$2300.00} and thus she kept the cash, because she'd refused to give it to me. 
The bank knows us personally, they know we didn't get the money. The teller had been fired and the bank is not willing to repay us. I do not agree with this decision. They will not give us the money.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Alliant Capital Management LLC (AR)

ACM WAS LISTED ON OUR BK XXXX XX/XX/2017 AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX  THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted this complaint in response to XXXX XXXX XXXX XXXX to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-16
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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. (AL)

**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, ENGELHARDT v. GRAVENS ( mo ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, Equifax and XXXX are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, Equifax, and XXXX have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open are open. lease remove these accounts from my report as soon as possible. They do not belong to me. XXXX {$470.00} XXXX XXXX XXXX XXXX {$220.00}
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

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

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-01-16
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. (WI)

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. 
ACCT # XXXX. XXXX, XXXX, XXXX, XXXX XXXX. 

XXXX ACCT #. XXXX XXXX Acct #. XXXX XXXX XXXX XXXX XXXXXXXX. 
ACCT #. XXXX XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX ACCT #. XXXX XXXX ACCT XXXX. XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT #. XXXX XXXX ACCT XXXX. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX ACCT #. XXXX XXXX XXXX  ACCT #. XXXX XXXX ACCT #. XXXX XXXX XXXX XXXX XXXX  XXXX. 
ACCT #. XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy :15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an 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 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We opened an account in Bank of America, and I deposited XXXX checks totaling {$2200.00} in to the account at an ATM XXXX. There was a notification on the ATM that it would be held for a week, which is a bit much, but ok. Then I got XXXX notices online, that all XXXX checks are " invalid ''. No reason, no explanation. Just for reference, I haven't had XXXX bad check in about XXXX  years, forget about XXXX checks. These checks were perfect checks. So I called customer service, and they went through the checks while I was on the phone, and they concluded that there was nothing wrong with the checks. The way they put was, " they were not even processed to be taken from the other person 's account ''. 
" So why were they declined '' I ask? " I don't know. '' I asked what they can do to correct it, they said there is nothing they can do. They just told me I will get a letter with copies of the checks in XXXX business days. 
So I reiterated at the end of the conversation, " the checks are good, and you declined them, and there is nothing you can do. They said, " Correct ''. 
I would go deposit at my other bank, But I don't have the checks! The ATM XXXX took them. 
So now, My mortgage is overdue, and all I will get is a copy of the checks in XXXX business days. 
I have to go to all my customers, and tell them to put a stop payment on the old check ( not free ), and try to get a new check. 
Now, when I try to call or login, I can't. It seems like they disabled my login. Even the phone system can't verify me. it seems like they shut me out so I can't see the checks, because they don't have answers. 
So here I am, with {$16.00} in my bank account, a mortgage due and many other bills, and a big bank that is abusing me. 

I do not have the letters because they closed my account and I can't log in. 

The name on the account is XXXX XXXX XXXX XXXX. I think the account ends in XXXX. I can't even check. XXXX  card number is XXXX
Consumer complaint received 2020-05-21
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 was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (SC)

XX/XX/2022 I received a notification saying that Rise had updated a charged off account to currently late which is a because its listed as charged off on my consumer reports. Now how can a charged off account be currently late? This company is willfully causing harm because they refuse to admit that I don't owe anything to them. The amount they are displaying {$4000.00} which there no validation that I owe this alleged debt.