davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
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. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Office of Attorney General ( no acct # noted ) Unverified Account
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Subject : Formal Complaint for Reporting Inaccurate Late Payments Violation of Consumer Rights Dear Truist, XXXX, and XXXX, I am writing to formally dispute and express my serious concerns regarding inaccurate late payment reporting on my Truist credit card account, which was opened on XX/XX/year>. Despite disputing this account twice, neither Truist nor the credit reporting agencies have provided any legitimate documentation showing that the alleged late payment is valid. 

According to the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate reporting, and I have specifically requested proof substantiating that the alleged late payment was truly late. Unfortunately, the billing statements you have provided are insufficient evidence to support this claim in accordance with established case law, such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. In that case, billing statements were found to be inadequate in proving late payments. 

Moreover, the continued reporting of this inaccurate late payment may be in violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). The refusal to provide sufficient documentation could be seen as a deceptive and unfair business practice, subjecting Truist and the credit reporting agencies involved to legal consequences. 

In light of the above, I strongly urge Truist, XXXX, and XXXX to take immediate action by removing the incorrect late payment from my account. Should this matter not be rectified promptly, I will have no choice but to escalate this complaint to the FDIC and pursue further legal action to protect my rights. 

I trust that you will investigate this issue thoroughly and address this erroneous reporting in compliance with the law.
Consumer complaint received 2017-08-14
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. (AL)

I disputed inaccurate accounts on my credit report with Experian, XXXX XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for Experian XXXX XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..
Consumer complaint received 2022-10-25
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. (TX)

Please verify if this is 100 percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ tigation, and DELETE if inaccurate, incomplete or unverified.
Consumer complaint received 2024-10-15
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer righst to privacy and confedentiality 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 U.S. Bankruptcy Court # XXXX 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 account furnish an account without my written instructions.

15 U.S.C. 1681c. 9 ( 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 antidates the report by more than seven years.

15 U.S.C. 1681 S-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 2017-08-15
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: Fidelity National Information Services, Inc. (FNIS) (CA)

To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

Someone created a Cash App XXXX using my personal information. The fraudulent XXXX  is " $ my first name my last name ''. There is not another person on earth with my name. People have tried sending me money, using this fraudulent XXXX  account - thinking it belongs to me. This is not an account that i previously created. It is associated with an email address that i am unfamiliar with. I have tried desperately to access the funds sent to this fraudulent account. And have tried hopelessly to work with the business 's support team to have the issue rectified. Because i do not know the full email address associated with the account, nor do i have access to the phone number associated with it, nor can i recite the associated debit card on file under this fraudulent account handle, i am unable to access these funds. Including a wire sent as recently as XX/XX/2022 at around XXXXXXXX XXXX. XXXX for the amount of {$60.00}. In addition to retrieval of these misdirected funds, i would like for the company to close out this fraudulent account so that payments do not continue to be misdirected to this XXXX.
Consumer complaint received 2017-08-15
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: Fidelity National Information Services, Inc. (FNIS) (CA)

To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). 

To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. 

Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
Consumer complaint received 2017-08-12
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. (NH)

On XXXX XXXX XXXX XXXX XXXX pulled my Experian credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from XXXX 's. On XXXX XXXX XXXX I sent a letter to Experian ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX XXXX I received a fresh report from Experian ( Report number:XXXX Dated XXXX XXXX XXXX ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX XXXX at approximately XXXX EDT I called XXXX 's Credit Department at XXXX. Their automated system confirmed that my SSN was not in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with Experian. Of course, I informed her I had already done so and they had referred me back to XXXX 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in XXXX 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on XXXX 's part. On XXXX XXXX XXXX I filed a CFPB complaint with XXXX 's requesting the removal of this incorrect inquiry from my Experian credit report. On XXXX XXXX XXXX I received a letter from XXXX 's stating, in part, " We have agreed to remove the XXXX 's inquiry made on XXXX. We have instructed all credit reporting agencies to remove the inquiry. '' As of XXXX XXXX XXXX this incorrect inquiry is still on my Experian credit report and still damaging my credit scores.
Consumer complaint received 2017-08-14
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. (CA)

XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to Experian, XXXX and XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

I would like to make sure my credit report is still frozen with Experian. I tried to log into my account with them at XXXX XXXX XXXX and was unable to access my account. The first time I tried I got a screen that asked me to call a number. I did that and the only option given to me when I selected the prompt for issues accessing my account was to get an email from them with a link. I received that email, clicked the link, tried to log in again and got the same message asking me to call. When I called again I was stuck in the same loop of an automated message that provided no help at all. When I requested to speak to an agent the system refused to connect me. 

I then went in and tried to create an account rather than logging in and was told I could not because the email address was already in use, which confirmed that I do in fact already have an account. 

So then I attempted to reset my password which I did successfully but then upon logging in I received the same message telling me that I needed to call with the same number that does not allow me get the help I need. Screenshot below of this message. 



I then tried the " Sign in a different way '' link, as shown in the screenshot below. 



This prompted me for my phone number and last 4 digits of my SSN which brought me to the screen below. 


I selected the Text Me option but no text with the code ever came through. I tried requesting the code again and still no text from you. 

I am totally stuck and locked out of my account. The 800 number provided was absolutely no help.

I also tried to send an email to a customer service email I found on their website and received an auto reply back saying that they were not going to check the mailbox after XXXX of this year and directed me to the same 800 and FAQs that have already proven to be no help at all. 

I am completely stuck and do not know if my account is still Frozen or not. I am also unable to request my free credit report.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.
Consumer complaint received 2022-10-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-25
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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-02
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed a transaction due to the seller not sending me the correct item and not allowing a refund. I disputed the transaction with Capital One. They closed the dispute without asking me for any evidence of the dispute.
Consumer complaint received 2017-08-12
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: Experian Information Solutions Inc. (CA)

I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXXwhen auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Early on the morning of XXXX I received an email alert from XXXX  indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.