davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-08-06
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. (AR)

XXXX XXXXXXXX XXXX Account # XXXX am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX XXXX  account ( # XXXX ) on my credit reports with Experian and XXXX. This account has inconsistencies and was sold to collections without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand the immediate removal of this account from all credit reporting agencies and an investigation into these discrepancies and unauthorized actions. 

Issues Identified 1. Inconsistent Reporting : High Credit : Experian : {$0.00} XXXX : {$600.00} Credit Limit : Experian : {$400.00} XXXX : {$0.00} These inconsistencies are problematic and suggest incorrect reporting of the account status. 
2. Unauthorized Sale to Collections : The account was sold to collections without my consent, violating my privacy and legal rights. 
3. Inaccurate Activity Reporting : Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX The lack of consistent reporting of the date of last payment is a clear discrepancy. 

Violations and Impact The inaccurate and inconsistent reporting of the account information and the unauthorized sale of the account to collections without my consent are serious violations of the FCRA and my privacy rights. These errors and unauthorized actions have caused potential harm to my credit profile, leading to undue stress and financial implications. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Right to Privacy : The unauthorized sale of my account to collections without my consent is a breach of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Consumer complaint received 2018-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, Me and my husband were reviewing our account and there was a withdraw from my business account in the amount of {$1900.00} posted on XX/XX/2018 stating " Debit for {$1900.00} a withdraw Misc.  debit did not post on XX/XX/2018. Reference # XXXX. '' We never withdraw that amount at all at any branch or at any ATM or it would state the location, and we keep records and always check our accounts. We spoke with multiple agents on the costumer service phone number and the first agent mentioned that this was a Chase error, and that the funds were taken out of my account on mistake by the system and she started a research request that same day. On XX/XX/XXXX, Another agent, which I have his extension number and have been more in contact with, stated that on the withdraw slip shows a different signature that don't match mine or my husbands. We do not have any other authorized people in the account. Clearly this transaction was made by an unauthorized person. And why would the transaction be posted 2 weeks after? Then he transferred me again to someone that would further assist me and this last agent said that my funds would be available within 4 days. Today is XX/XX/XXXX and my funds have never been credited. Called the same agent and transferred me to another. He stated that the research was closed because they said that the funds were withdrawn on XX/XX/XXXX. I told them, you have on your notes that we never withdraw that money at all. We repeated many times in multiple calls and the signatures don't match according to one of their own agents. My money is being stolen right in front of me and I need help from someone that cares. I might have to hire a lawyer to help me out and set this right. {$1900.00} can't just disappear. This is my most reliable contact from chase XXXX ext.XXXX the only agent that seems to know what is going on.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (NC)

This is the 2nd complaint I have had with this issue with Equifax. When I called them directly they informed me they did not have my FTC report and once they received it then they would delete the information off of my report. They were provided a copy of my FTC Theft report and the information remained. I called them on XX/XX/2021 to inquire as to why they were not removed after I followed their directive. I spoke with XXXX ( XXXX ) and informed him of what I was instructed to do. He put me on hold for a minute and came back and informed me my report was invalid and the information wasn't deleted was because the inquiries did not have dates beside them. Once that was done then I needed to submit it again to CFPB and it would be taken care of within five ( 5 ) days. I informed him I didn't understand why since I did not have to do that with the other XXXX bureaus and I was not informed to do that when I called the last time. I also informed him I was sure the calls were recorded so he could check the accuracy of my statements. I informed him I would provide another FTC report and file ANOTHER complaint and upload it on the CFPB website. 
Again I have not had this issue with XXXX or XXXX. They have been extremely helpful in informing me the first time of everything that needed to be done.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates (TN)

I am filing this complaint against a debt collector called CREDIT BUREAU XXXX. I noticed that this company has been attempting to collect from me while not being licensed in the state of Tennessee. XXXX XXXX XXXX. Title XXXX, Chapter XXXX requires debt XXXX to have a license in Tennessee before doing business in an attempt to collect. This a violation of state law. I can confirm they don't have license because I looked there company up on the XXXX website. This company did not give me an opportunity to dispute the alleged debt nor was I given enough information to verify relevancy of the debt they are claiming to collect. Considering this company has no Tennessee license to collect, they are also in violation of the Fair Credit Report Act section 1681b permissible purpose for putting their tradeline on my credit reports. This company is also in violation for deception and false or misleading representations per 15 USC 1692e ( 10 ) and section 1692 ( 2 ) ( A ). This company is causing unnecessary problem and ruining my credit reputation while doing it.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

Since XXXX, all three major agencies reported inaccurate information. 

My credit was issued to XXXX XXXX XXXX XXXX, for a XXXX XXXX dollar house which was only sold for XXXX XXXX dollars and was never cleared. 

After 10 years of trying to correct their inaccurate accounts, especially XXXX XXXX XXXX reporting, which now is a ten year old account that state XXXX XXXX was a co signer, on a XXXX XXXX loan, another false fact and still appears after 9 years, only 7 years is kept, unless the law has changed. 

A private investigator told me they refused to issue me a new s.security number, and failed to correct their info. 

I began paying cash only, closed my three credit cards w/ only XXXX dollar credit limits, in XXXX, because they refused to clear the false records, I have had to pay maximum loan interest since XXXX. 

Check my records since XXXX, I built perfect credit for myself, XXXX and XXXX XXXX appeared w/ 20 plus credit cards and a XXXX XXXX house purchase, please check to see if their XXXX XXXX home in XXXX  la, was reported by XXXX XXXX XXXX , and who has continually put their names on my health and car insurance policies also. Their misinformation only caused a legal battle which may ensue if this matter is not cleared and correct within 90 days. 

Possibly a CLASS ACTION LAWSUIT IS NEEDED TO CORRECT THESE ILLEGALLY PRACTICES. 

Recent problem, I applied for a XXXX XXXX auto loan, with XXXX XXXX, just to check up on these agencies, and their illegal practices with my reports. 

They denied my loan based on Equifax reporting NO CREDIT SCORE, Their bureau electronically refuses to give me a credit score, and a inside score, Also refuses to mail me the report as stated by the laws on the credit denial sheet. After 10 years of requesting personally. 

The bank told me twice I was denied because Equifax refused to issue a score, but by company policy they can not write that on a piece of paper. 

ILLEGAL banking and credit bureau laws. 

They sent me a fake denial letter STATING, '' revolving loan '', " Credit bureau information not the reason for refusal '' This is cover up by federal agencies breaking laws and falsely reporting information. 

After 25 years, Three Credit Bureaus have been allowed to ruin my credit ability to survive and Under the 14th Amendment the RIGHT to pursue ... 

Please send me my inside score, credit score and report, with correct information. 
All without having to pay a cent to a bureau who has illegally kept my credit captive for a quarter of a century, documentation proves this has occurred, was never cleared as of XXXX, and accounts still falsely appear beyond the seven year limitation, and no report has been granted, I recently received one from experian, that is how I know XXXX XXXX and other false records still appear. 

Who is responsible for falsely reporting XXXX XXXX AND XXXX XXXX credit information on my SSecurity number after XXXX???
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my first attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$530.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX  XXXX Balance XXXX {$2200.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
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. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2018-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) CONTACTED in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted an investigation request to the credit bureaus back on XX/XX/XXXX. Over thirty days have past, and I have not received the results yet.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2024-08-06
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. (CT)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have addressed this with the loan officer, XXXX, because I am currently trying to buy a car and she literally told me that " it's not my job. '' How is that for customer service?? They have me down as having two loans at the same time with one being late and won't do anything to help me. It'd affecting my ability to buy a car.
Consumer complaint received 2022-05-18
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: CITIBANK, N.A. (RI)

It all started in XXXX when my personal information was used fraudulently to apply for unemployment benefits at the company I work for an have ownership in. This was reported to the XXXX XXXXXXXX Police, and FTC and to XXXX  Department of Labor. None of which ever followed up with me. Not a single call, nor email response. Eventually through my persistence, XXXX Dept of Labor acknowledged the issue. 

Since then, my XXXX XXXX account has shown numerous fraudulent inquiries in XXXX, starting in XX/XX/XXXX and now several in XX/XX/XXXX showing on XXXX and XXXX. I've been able to receive cooperation with all credit bureaus for removal of credit inquiries and also filing fraud complaints with exception of XXXX that does not want to help or extend any customer service to correct the problem. 

In essence, I have lost about 12 days or more of work over this issue calling the various companies, banks, financial companies, websites, etc. all because of the very companies that are always asking for my info, and breach my personal details. This is victimization in its purest form from the same companies that are rating consumers and judging consumers in the first place. The system is broken. 

At this time, I have maintained Excellent credit, however I still have several XXXX credit inquires which are damaging my credit score and on their fraudulently. It's nearly impossible to reach XXXX XXXX and also impossible to reach XXXX XXXX XXXX never mind get any cooperation from either bank, nor XXXX. 

I have also had to now Freeze all credit reporting agencies which will be a problem for me in the future when I need to apply for credit.