davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (MS)

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.

has violated my rights. Or 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 2024-10-30
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. (MI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-27
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$22000.00}
Consumer complaint received 2024-08-13
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. (TX)

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. 15U.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 2023-08-10
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. (MS)

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.

has violated my rights. Or 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I reached out to Citi Bank on XX/XX/23, regarding payment assistance/settlement options. Im currently experiencing extenuating medical issues, on top of which Im dealing with the aftermath of the loss of my brother due to XXXX. I have always been on time with payments. My payment is due in two weeks, I reached out early as I did not want to fall into delinquent status. When I called, the representative told me to request payment assistance from those around me. I find this extremely inappropriate, insensitive and unprofessional.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (MO)

I bank with SoFi, on XX/XX/year> I made a one time payment to a company crowncoins.com for XXXX, after which, they proceeded to debit this particular account over 30 times totaling over XXXX dollars even after I made sure my payment methods were removed. Not one time did SoFi send me a verification text relating to the charges, not even when there were over 10 charges in one day. When trying to reach out to the merchant who charged my card all these times, I was unable to because there website is now defunct
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MN)

I am a victim of identity theft and I have never applied for or opened any checking, savings or credit card account with Truist Bank because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all XXXX credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All XXXX bureaus are refusing to actually investigate and remove items.
Consumer complaint received 2024-10-31
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. (TX)

XX/XX/year> I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report : Account : XXXX XXXX  Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Dear XXXX I have submitted to the CPFB a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( contacted fraud dept XX/XX/XXXX XXXX as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent 3 letters asking for a correction to my credit report and have received no response.

This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so. 

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last six months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past six months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination.

If I do not receive a response in the next 24 -48 hours, I will file a formal FTC complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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. (AL)

These accounts were opened without my knowlege and i want them removed from my credit reports XXXX, XXXX and Equifax. 

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
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX  closed my account and mailed me a check with my balance of {$4500.00} I didnt receive check before I moved and the check was suppose to be returned to XXXX  but some how it ended up in Virginia and sign and deposit in someones account that I dont know nor gave permission to forge my signature. I was advised by XXXX  where refund was from, XXXX  XXXX XXXX whom bank check came from and navy federal whom cashed the check to contact police so i can get funds returned to me. I have attached check chime sent me with forged signature. I reached out to navy federal to retire the money that someone at there bank cashed but they have not
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (CA)

Car loan was charged off six years ago, but it continues to report every 30 days as being late. The loan was charged off in XXXX of XXXX. Creditor reported to XXXX that loan was 60 days past due XX/XX/XXXX then states loan was brought current the following month of XX/XX/XXXX, then stated it was charged off the following month after that in XXXX of XXXX. 

For six years they have reported this charge off as 30 days late every month for 6 consecutive years. I have contacted them on several occasions and disputed it multiple times with XXXX.
Consumer complaint received 2023-08-10
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. (VA)

XXXX, account number-XXXX has removed this late payment that is attached to my account and have refunded me my late fee but the credit bureau 's have not updated this account and its hurting my credit worthiness... I also have proof that they have sent in for this account to be removed that i'm attaching to this complaint.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I received XXXX checks from The State of XXXX ( XXXX ) on XX/XX/XXXX. XXXX check is for XXXX dollars and the other check is for XXXX dollars. I electronically deposited the XXXX checks to my Chase account. The XXXX checks were placed on hold after a few days and then it cleared. I realized afterwards my account had locked me out. I contacted Chase and they said my account had been restricted because they needed to verify the XXXX checks. I contacted XXXX and asked if there was a number Chase can contact to directly get a hold of XXXX, but XXXX said they never heard about having to verify checks for a bank. I went to the Chase branch and explained my situation. The supervisor had advised me to call XXXX and have them cancel the XXXX checks and refile XXXX new checks and have them put it on a card instead so I wouldn't have this issue again. I called XXXX after and they told me they can not reissue XXXX new checks because it says it has already been cashed. I called Chase again and told them what XXXX had told me so I ask if they can just cancel the checks, but the supervisor of Chase informed me my account has now been closed and the money is considered fraudulent and I might not see the money for up to 3 years and there's nothing she can do until they verify the checks with the issuer. Nobody once informed me I had a time frame to get the XXXX checks verified or they would close my account and the money would be assumed fraudulent. I don't know what to do at this point. It has been XXXX weeks with this ongoing issue and I feel defeated.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

I got a reply and my phone is not working. I tried to call but it is shutting down. You are asking for more info but the person I talked to said he needed the reporting agency I reported it to. That do n't make any sense to me as you have it on your own paper work. What is it you need or require to move forward with this complaint? I am telling you I am requesting each item you say I bought with this credit card? that you have itemized without the full date and my signature on each receipt that I actually bought the item. I do n't want any phone contact. I want proof that you ask me questions and I respond. This has been going on long enough now and needs to end. I also want to be assured the eliminated debt that was to be removed from reporting will not be resold and start this over again.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

This is the law and you need to follow it. I have sent you court records, restitution orders, final judgments, restraining order copies, AND A VICTIM DETERMINATION Document. 

Then I received a letter stating that my victim determination letter was not valid.. GUESS WHAT? YOU DON'T GET TO DECIDE IF IT IS VALID. 

It very much is valid and I am working on getting yet another one with my XXXX XXXXXXXX being the one to sign it. 

I am so tired of fighting you and XXXX about the validity of my XXXX. I put my XXXX XXXX XXXX for 6 years. XXXX already blocked the items and accepted my request and so did XXXXXXXX XXXX. STOP MAKING MY LIFE HARDER. 

1022.142 ( e ) ( 3 ) - ( 4 ) consumer reporting agencies may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer DID NOT PROVIDE a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency MAY NOT make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission.
Consumer complaint received 2023-05-09
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: DISCOVER BANK (NC)

In XX/XX/XXXX, I requested services from an independent vendor on the XXXX platform for an original policy and procedure for the State of Maryland Developmental Disabilities Administration Comar Regulation - application requirements. Upon receipt/delivery of the finished work, I read through the document and immediately recognized that the documentation wasn't at all what I made my request for. It was a generic policy and procedure for a home care agency, which isn't what I requested. I provided the vendor with the exact list of what was to be included within the policy and procedure to be in compliance with the state of Maryland Comar regulations and receive a license to become a provider. I immediately contacted the vendor via the XXXX platform to request a FULL REFUND because I was not at all satisfied with the work and it didn't even meet the State of Maryland 's requirement. On XX/XX/XXXX the vendor, XXXX agreed to cancel the order and give me a refund. On the same day, I filed a dispute with Discover to ensure the this complaint was on record with them and that I wanted to get a FULL REFUND from the vendor and FIVERR. In to the complaint with Discover, I provided them with proof of the via XXXX communication with the vendor that he would give me a refund. On XX/XX/XXXX this message was posted to my Discover account " Dispute Resolved, Credit has been reversed. We have reversed a credit transaction which was previously applied to your account. This was done either because the merchant also issued a credit to your account, or because you recently requested us to close the investigation. Accordingly, we have placed the charge back on your account. '' Unfortunately, I didn't receive the credit from the merchant/XXXX and Discover didn't ultimately didn't reverse the charge of {$670.00} back to my credit card account. I have contacted Discover about the charge and my dispute, but they are refusing the do anything not even call back.