davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (OH)

I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. 
Violation of FCRA Section 607 ( b ) : The credit reporting agency has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. This has resulted in the reporting of false and misleading information that continues to damage my creditworthiness.

2. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.

Impact on Me : As a result of these violations, I have experienced increased interest rates, emotional distress, These consequences have severely affected my financial stability and well-being.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act,XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN 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
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MO)

On XXXX 2019 I went to pnc Bank located in XXXX XXXX mo on XXXX  XXXX XXXX  XXXX. To dispute unauthorized transactions totalling approx 60,000 dollars and instead was wrongfully accused and arrested charged with terrorist threat and then bank closed my account without ever concerning themselves with why I was at bank such day..and my issue is the bank will not resolve these unauthorized charges and wire transferred totally 60 something thousand dollars.. and i need help. Please help. 

XXXX XXXX
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America credit 4 direct deposit payments to another account holder and keep telling me there is nothing they can do and it is the payers responsibility. 

Massachusetts XXXX issues 3 payments for the amount of XXXX on XXXX. 

SSI issued a payment for XXXX on XX/XX/19. 

The bank has verified the money ended up in the wrong account and that since the account number and name didn't match the deposits should have been rejected but were not. 

I was told the bank will not take any proactive action. 

I called both payers and they told me it is the banks error for not authenticating the payments properly.
Consumer complaint received 2024-09-03
Product: Credit reporting 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: Experian Information Solutions Inc. (MI)

So XXXX and XXXX is reporting XXXX discover accounts on my credit report Experian is not and I dont have a XXXX XXXX with Experian. I want Experian to report those accounts and give me a score. 

XXXX XXXX  XXXX opened XXXX XXXX credit limit {$25000.00} XXXX XXXX  XXXX opened XXXX XXXX credit limit {$9100.00} XXXX Account XXXX opened XXXX XXXX credit limit {$15000.00} XXXX XXXX XXXX opened XXXX XXXX credit limit {$16000.00}
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Retail Card Service has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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. 

All these are unauthorized inquires.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i was looking at my credit report with myfreescorenow.com and i noticed that my XXXX account is wrong transunion shows a balance of {$4800.00} XXXX  shows {$0.00} and XXXX shows {$4800.00} also the opening and last activity dates are wrong showing on all three credit bureaus
Consumer complaint received 2019-08-05
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: Commonwealth Financial Systems, Inc. (GA)

I recently reached out to these reporting agencies regarding a medical debt. The information that was provided led me to believe that they have violated my HIPAA rights. One company say that the debt was started this year but its been several years since Ive seen a doctor other than my personal doctor
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (IL)

After reporting a fraud charge on the account the company told me to continue making payments while it is being investigated. Once he investigation was finalized they determined it was fraud and I was told they will be sending me a refund check. This was in XXXX. I havent still received a check. Every time I call they say it will be arriving in 3-5 days. The last time I called they were not able to see my info due to system being updated. I already reported them to XXXX  but nothing happened so far. 
They are holding money that is not theirs.
Consumer complaint received 2024-10-16
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. (TN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-09-06
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consume
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at KHOLS/CAPONE on XX/XX/XXXX, under the account number ( XXXX ), a business loan account opened at XXXX XXXX  XXXX XXXX XXXX under the account number ( XXXX ), and a telephone service account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

I have had a freeze on my credit with all 3 credit reporting agencies ( Experian, XXXX, XXXX ) since XXXX. Recently, I tried to obtain a new credit card. It was denied because of the Experian freeze. 

I have tried several times/ways to temporarily to do an unfreeze at Experian : Online at their website, Phone call, and Sent them a certified letter. 

When I try to do it online, it says it does not recognize who I am. 

When I try to do it by phone, they send me a text that directs me to an Experion website. Again, any information I enter at that website flagged as invalid. 
I have never been able to talk to a live person, and get no where using the recording. 

I sent the requested information in a normal mail certified letter 3 weeks ago. I have not received a reply. 

Experian is probably the worst company I have ever had to deal with. 

I called XXXX just to see what would happen. I was able to talk to a live person, and he was very helpful. 
Experian is probably the worst company I have ever had to deal with. 

Not being able to open a new credit card is causing problems. How can the problems with Experian be fixed?
Consumer complaint received 2023-02-07
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. (FL)

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. 
Account nameXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : US DEPT. OF EDUCATIO XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX  XXXX XXXX XXXX and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX  XXXX XXXX XXXX and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion continues to report a bankruptcy on my credit report from a third party even after I have provided proof from the actual court stating that they do not report to any credit reporting companies. 

Sent a letter to the court on XX/XX/2022 to confirm if they report to credit reporting companies. 

Sent a letter to transunion on XX/XX/2022 On XX/XX/2022 the court responds saying they do not report to any credit companies On XX/XX/2022 I send the proof back to transunion from the Court stating they do not report. 

On XX/XX/2022 even after receiving the proof from court they validated this as accurate again. 

They also have updated my name to an incorrect spelling.
Consumer complaint received 2024-10-16
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (NY)

I have one account with XXXX which is in very good standing but for some reason they have me in death with a next account I contacted them over and over about that negative account and explain to them I only have one account with them and is good standing, I have no idea about this next account
Consumer complaint received 2022-06-17
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)

FCRA violations : inquires not mine XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record untilXX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-04-28
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

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.

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 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Seattle Service Bureau, Inc (CA)

I have sent a certified letter along with proof ( my passport visas and entry to country ) that I was not the person who did the charge that National Services Bureau is reporting. This is a case of stolen Identity and I have requested them to remove to no avail. 
The amount is {$2900.00} The date of the XX/XX/2016 I can send a copy of my paapsot that shows I was NOT in the US when the charge occurred