davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-11
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. (AZ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Consumer complaint received 2023-05-11
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXXccount Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX, XXXXXXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-05-11
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. (WA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dispute of XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX On Experian, XXXX XXXX XXXX on XXXX, XXXX XXXX  XXXX. on XXXX. 

I am writing to dispute the account information related to my XXXX XXXX XXXX account, as it contains inaccuracies and discrepancies. The account details provided by your credit reporting agency do not align with the payment history and status of the account accurately. I request a thorough investigation and correction of the following discrepancies. 

Experian : The information provided by Experian states that the first payment on the XXXX XXXX XXXX  account was made in XX/XX/XXXX. However, my records indicate that the first payment was made in XX/XX/XXXX, followed by clean payments until XX/XX/XXXX. According to your report, a XXXX late payment and a CLS ( closed ) status are indicated for XX/XX/XXXX. This is inconsistent with my payment history. 

XXXX : The information provided by XXXX indicates that the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX. However, this is incorrect. The actual first payment was made in XX/XX/XXXX, and clean payments were made thereafter. The report shows XXXX consecutive XXXX late payments for XXXX and XXXX, which is inaccurate. My payment history reflects a single XXXX late payment during that period. Furthermore, the report indicates clean payments until XX/XX/XXXX, which does not align with the accurate payment history. 

XXXX : According to XXXX 's information, the first payment on the XXXX XXXX XXXX account was made in XX/XX/XXXX, followed by clean payments. However, the report shows no information beyond XX/XX/XXXX. This is incorrect according XXXX which has my payments all the way until XXXX of XXXX, It gets confusing, and there are missing updates regarding the account status. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit report accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Westlake Services, LLC (MD)

I am attempting to pre-qualify for a home purchase. I was informed that my finance company for my vehicle ( Westlake Financial, XXXX XXXX, CA ), did not submit credit information for my vehicle purchase to the XXXX credit bureaus. Westlake Financial told me my credit report with XXXX showed a discrepancy. I was instructed to secure a Numi-lite letter from the Social Security Administration, but they no longer do these. I was then told by Westlake to have the XXXX credit bureaus send me letters showing a correction. I secured it and sent the information to Westlake, however, when I tried to follow up I was given XXXX different versions of the amount of time it would take to correct it. It 's been 32 days since I forwarded the corrected information to Westlake and its been over 2 months since this whole process began. Westlake still has not completed a review and forwarded my car purchase information to the credits bureaus. They indicate it could be another 2 to 4 weeks ( total review time of 6 to 8 weeks ).
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (CA)

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these accounts are being reported correctly Who verified these accounts? 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 ). 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00}.
Consumer complaint received 2023-05-11
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. (MN)

This is my 10th attempts in requesting to REMOVED some of the inaccurate informations in my credit on my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the fraudulent items : 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 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 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is my 10th attempts in requesting to REMOVED some of the inaccurate informations in my credit on my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the fraudulent items : 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 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
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. (GA)

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Please erase from my credit report any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-11
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. (FL)

I sent a certified letter to Experian Credit Reporting Agency asking them to delete XXXX XXXX XXXX XXXX accounts off of my credit report because, the seven ( 7 ) year period had passed for those two accounts to come off of my credit report. The company had re-aged and changed the original reporting date of this debt. The original date these accounts were reported on my credit report was XX/XX/XXXX and the seven ( 7 ) years expired on XX/XX/XXXX. They should have been deleted on XX/XX/XXXX but, instead Experian just updated the accounts instead of deleting them.
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full. 

I had leased a motorcycle with XXXX. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that ca n't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I did n't understand how there was any confusion with the account. I had provided XXXX with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that XXXX had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted XXXX and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, XXXX reported my status back to derogatory/in collections. My experience with XXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I was not able to log into my Bank of America account. I called and not only did it take over an hour to get connected to someone but I was disconnected two times. When I finally got ahold of an actual person they made me wait for about a few minutes just to inform me that they were going to close my account, no reason why. I figured its due to fraudulent activity because my account was compromised. Instead of verifying with me or setting up a new account to make sure nothing like this happens again they chose to just close my account entirely with funds still in it. I also had two ongoing claims with Bank of America for the total amount of XXXX. The claims were submitted in XX/XX/XXXX and it has been well over XXXX business days with no update to the claims whatsoever. It was two unauthorized transactions. The level of unprofessionalism and no transparency at all with customers is mind blowing to me. I will be telling everyone Bank of America is by far the worst brick and mortar bank to work with.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (UT)

in XXXX of XXXX, my account was " disabled '' to DATE : XX/XX/XXXX, over 12 months later the bank as still not released my pending funds approximately {$7000.00} USD. 

I have periodically requested updates and I and ALWAYS get the same standard Custom support response " your account is still In review ''
Consumer complaint received 2023-05-11
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. (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 this reporting 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 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
Consumer complaint received 2023-05-11
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. (CA)

This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
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 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Citi and I made a deal in XXXX  to pay card balance. Which I paid the balance to XXXX. XXXX  years later Citi has put a balance on my account for the amount they took off balance in the terms of the XXXX  deal Citi never sent me anything to notify me of this wrong charge. They just did it XXXX  years after I paid account off. Ive never got a statement from citi or any letter all they did is put this secret $ on my account and then hit my credit report for XXXX and XXXX  days late.we made a deal. Citi is doing this maliciously. Just notify me dont bang my credit without my knowledge. They have my address. I dont owe them anything. They made a deal they took about XXXX $ off my balance and it was paid.
Consumer complaint received 2023-05-11
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under al open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediataly as you are in direct violation of several laws under The Fair Credit Reporting Act.