davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (NV)

Despite the multiple previous 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 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To whom it may concern I am writing in regrads to late payments on my credit report.

According to the FCRA 15 U.S.C. code 1666b-Timimg of payments and 15 U.S.C.

1666B12 CFR,1026. 13- Billing error-late payments 15 U.S.C.1681 a ( 2 ) ( I ) INSTRUCTIONS PLEASE UPDATE TOO NEVER LATE. Please send updated report to address on file.

I have attached all documents to support this claim
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I deposited a {$5000.00} personal check through mobile deposit into my checking account, they put a six day hold on my check, even though it had cleared the very next day out of the persons account who wrote the check. I called them to ask questions and they basically told me that because I had overdrafted recently that they had to put a hold on the funds regardless if they had already received the funds from the other parties bank. So theyre holding my funds because I overdrafted like Im being punished for having financial problems. Which then putting a seven day hold on my check cause me a slew of financial problems because I still havent been able to pay my rent so Im having to pay tons of late fees. This isnt the first time that theyve done this to me. Also, I have overdraft protection, so I shouldnt be overdrafting. They have let my account overdraft hundreds of dollars before I have to lock my debit card. And then they charge me {$35.00} per overdraft no matter how big or small. If the transaction doesnt go through, I dont get a refund. Providing a screenshot of the seven day hold on my funds, the account was overdrawn XXXX or so dollars when deposited.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (NC)

Around XX/XX/XXXX XXXX reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. XXXX never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to XXXX XXXX points and damaged my perfect payment history overall on my report.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (GA)

Two of the three credit reporting agencies remove both bankruptcies on my credit report except for Equifax. I believe Equifax is trying to keep my credit score lower to prohibit me and my family from owning a home. I asked previously about removing the bankruptcy and was denied. However XXXX and XXXX did so without me having to request the removal. I also noticed that XXXX took XXXX points away from my account just last week for no reasonsee documentation. I have paid my accounts down and they still took XXXX points away, AGAIN.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing XXXX XXXX as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX  for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.
Consumer complaint received 2023-04-03
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. (NY)

XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXX Bill-does not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of covington of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-29
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. (AL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-20
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. (SC)

XXXX, I disputed a fraudulent inquiry on my Equifax consumer credit report and it was not block and removed.The information that XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX is not information relating to any transaction by me. 
I have file a identity theft report with Federal Trade Commission to notify them that I am a victim of identity theft and I have notified them that Equifax is reporting these two companies on my credit report. Also note that I have a active fraud alert of my Equifax credit file and I WAS NOT NOTIFIED WHEN THESE INQUIRIES WERE TAKING PLACE. The Identity theft documents are attached. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts -15 U.S. Code 1681c2 - Block of information resulting from identity theft - ( a ) Block Except as otherwise provided in this section, a consumer reporting agency 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 4 business days after the date of 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.
Consumer complaint received 2023-04-11
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-11
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX extended electrical service to someone using my stolen social security number only. No photo ID was required. When the bill was not paid, they turned me over to XXXX XXXX  came after me and wrecked my credit causing me considerable harm and damages. It has been a full time job to correct this mess due to their negligence and failure to confirm identity before extending credit.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (FL)

IN XXXX IN THE MIDDLE OF THE PANDEMIC I STILL TAKEN A LOAN WITH THE COMPANY OPORTUN INC. WITH THE SUPPOSED PROMOTION OF HELPING YOU CREATE CREDIT FOR PEOPLE WHO HAVE NO CREDIT OR WANT TO BUILD THEIR CREDIT AS WAS MY CASE AT THAT TIME AND WE EVEN REFER SEVERAL PEOPLE INCLUDING MY WIFE AND THEY DO NOT REALLY CREATE CREDIT ON THE CONTRARY WHEN THEY DO THE INVESTIGATION OF YOUR CREDIT THEY MAKE YOU A HARD PULL AND THAT INSTEAD OF HELPING AFFECTS YOU AND ADDITIONALLY THEY CHARGE YOU FOR DOING THE INVESTIGATION, WHICH CONSTITUTES A TOTAL CONSUMER ABUSE, IT SHOULD ALSO BE HIGHLIGHTED THAT YOU SEE SAID CHARGE WHEN YOU GET THE CHECK ( YOU CAN NOT DO ANYTHING ANYMORE ) BUT EVEN WORSE IN THE MIDDLE OF THE PANDEMIC AND WITHOUT WORKING BUT TO SHOW MY GOOD FAITH AND RESPONSIBILITY I MADE AN EXTRAORDINARY EFFORT TO PAY OFF SAID LOAN SINCE THIS COMPANY DID NOT OFFER ME ANY PAYMENT PLAN BEFORE A PANDEMIC THAT MADE US LOSE SO MANY LIVES, THIS COMPANY DID NOT BELIEVE INCREDIBLE CREDIT IN MY HISTORY ON THE CONTRARY, IT HAS DESTROYED IT AND CONDEMNED ME AND MY CHILDREN TO NOT BE ABLE TO BE ABLE TO HAVE A DECENT LIFE IN THIS COUNTRY, WITH BAD CREDIT AND EVEN THOUGH THE WORLD WAS GOING THROUGH A CRISIS AND I MADE SO MANY CALLS AND OPEN CASES WITH THEM SO THAT THEY WOULD ESCALATE MY CASE AND SO THAT THEY DELETE THAT ACCOUNT FROM MY HISTORY, THIS COMPANY OPPORTUNITY INC. . IT IS REFUSED, LIKE THE DIFFERENT CREDIT AGENCIES.

ONE OF THE CASES THAT WE OPENED BEFORE OPORTUN INC, IS UNDER THE NUMBER # XXXX, BUT LIKE MY CALLS, THEY REFUSED TO HELP. 
ON THIS OCCASION WE APPEAL TO THE SOLIDARITY PART THAT ANY COMPANY SHOULD HAVE AND MORE IN THIS CASE WHICH WAS WITHIN A WORLD PANDEMIC, IN WHICH THOUSANDS OF PEOPLE WERE BEHIND IN THEIR PAYMENTS AND IN WHICH ALL THE INSTITUTIONS HELPED THEIR CLIENTS, REGRETABLE IT WAS NOT MY CASE, THIS COMPANY DENIES ME HAVING A FAIR CREDIT THE LOAN WAS FOR 12 MONTHS FROM XX/XX/XXXX TO XX/XX/XXXX, BUT I PAYED IT OFF ON XX/XX/XXXX THROUGH RECEIPT # XXXX ISSUED BY OPORTUN INC AND IN WHICH THEY REITERATE SAYING : ( THANK YOU FOR CHOOSING US FOR HELP BUILD YOUR CREDIT HISTORY ) TOTALLY FALSE.

WE LATER REQUESTED A BALANCE LETTER AND IT WAS ISSUED ON XX/XX/XXXX.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IN)

XXXX XXXXl is and has held XXXX XXXX yes you heard correct XXXX $ on my credit report saying that my balance is overdue?! First of all its a credit building account, and my money goes in and then once the account is canceled my money I spent saving and building my credit comes BACK TO ME, how the XXXX do I owe you XXXX $?!! And then you hold it on my credit report as history period, and as history as a derogatory mark and saying my credit history is balance overdue?! Wrong answer, I paid my account off in full, IN FULL, REMOVE IT NOW OFF MY CREDIT PROFILE PERIOD OR I WILL EITHER SUE, TAKE TO COURTROOM WITH MY ATTORNEY, OR PRESS CHARGES FOR HARASSMENT
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

XX/XX/XXXX {$3600.00} from my XXXX Checking Account. Chime stated that I violated the Deposit Account Agreement max daily limit of {$1000.00} a day or {$30000.00} max limit in a single month. I made a haste decision to transfer it to chime because I was excited to use the credit check and articles and other features it had on the app. The transfer was done on my external account feature on XXXX. I made a call with them for more than a couple of hours since they are open XXXX for customer support. I sent my drivers license, passport, and even my social security card on the secured web link from their email more than 10 times. The only way to receive the final decision of my case is by emailing XXXX or XXXX. On XX/XX/XXXX I was finally denied of a refund back to my XXXX account. It states the same result consecutively from XX/XX/XXXX to XX/XX/XXXX that my bill statement was also never received. I sent it by email and also the secure link more that 5 times. I believe the bank is playing with my money even if I made an honest mistake on transferring the funds over 3 times and a half limit of the daily limit.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.