davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

i recieved a copy of my credit report and noticed 3 accounts on my credit report that i never applied for and never used these accounts are fraud all these 3 companies have been contacted and have tried to fix it with the companies
Consumer complaint received 2024-10-04
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. (GA)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : 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 XXXX 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Consumer complaint received 2024-10-04
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. (PA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 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 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (IN)

To whom it may concern, this is the third complaint filed for said issue of unauthorized charges on my Discover Bank Checking Account. Ive tried contacting XXXX XXXX who has reponded previously I have tried reaching out to her on XX/XX/20 about the unauthorized transactions from XXXX and XXXX. and have left a voicemail with no response. I have requested proof of these transaction to prove they are valid as their investigation has claimed. No response from discover was provided in the last response other then the corresponding chats they have had with the merchants. I have received my refund from XXXX on XX/XX/20 for my purchase that was made on XX/XX/20 in the amount of {$190.00} then another transaction appeared on XX/XX/20 for that same amount discover has advised me XXXX took back their credit for returning the wrong item or some nonsense. This transaction was NOT AUTHORIZED. the refund was already completed and processed for that purchase. A NEW transaction appeared on XX/XX/20. another transaction that has been previously disputed with discover with XXXX for merchandise that has been returned, XXXX did not refund for this purchase. discover not willing to provide resolution for this. there are 2 other transactions in the amount of {$230.00} and {$140.00} that also were not authorized for XXXX witch I do not use. discover has claimed transactions are authorized because merchandise was received and matched my information this orders were not authorized or made by me. Discover is claming regulation E does not cover Merchandise Not Received. However The transactions were not authorized.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I checked my credit report this morning as I have been doing so for as long as I remember but this is the first time that this has happened on my credit report. I have no idea why this inaccuracy showed up on my credit report so please check the documents that I've sent regarding this.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-10-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$270.00}
Consumer complaint received 2023-10-20
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: Chime Financial Inc (PA)

I rented a vehicle from a car rental company XXXX XXXX XXXX XXXX, 5 times from XX/XX/2023 until XX/XX/2023. Each time i rented a car it held a security deposit. The rental car company advised me the money would be returned to my account which is chime. None of the money has been returned as of today. Ive reached out to chime several times as well as the car rental company. The car rental company advised me the money was in fact released to my account and provided me with an invoice for each time. Ive filed disputes with chime after speaking with several managers and still no money or any answers about why my money is not available. 
The amount that has not been returned is a total of {$1300.00}. Sixt held {$200.00} four times and {$500.00} one time. The invoices reflect what sixt charged me. My account statement reflects the money that was transferred into the account and it shows the amount over the invoiced amount. Chime tells me every time i call them. They dont see a transaction where sixt held any money. But theres transactions showing me transferring the money in. Chime has a copy of each invoice and screenshot showing the amounts being held.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Even though Ive tried countless times to get the fraudulent, inaccurate, and misleading info removed from my consumer report, the issue still isnt fixed. These items have seriously turned my life XXXX down, bringing a whole lot of stress and anxiety. I really need to stress again that I didnt authorize or agree to have this info linked to my name, as Ive been a victim of identity theft.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian. I have a freeze on my personal credit. I need to lift the freeze so a utility company can put service in my name. My log in to my Experian account now shows as invalid user/password. I have tried calling numerous telephone numbers to Experian to resolve the login issue and unfreeze my report. All numbers lead to an automated attendant that starts with an automated verification system that ultimately results in a message that it can not verify me and, therefore ; will not connect me to an agent. I need help to both fix my log in issue and unfreeze my report.
Consumer complaint received 2022-11-15
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. (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. 

OFFICE OF THE ATTY GEN LATE PAYMENT {$380.00}, i have no late payments -- -- -- -has violated my rights. 

XXXX XXXXXXXX XXXX  LATE PAYMENT -- -- - has violated my rights. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XX/XX/2022 -- -- - has violated my rights. 


XXXX XXXX XXXX LATE PAYMENT XX/XX/2022 -- -- - has violated my rights. 

XXXX XXXX XX/XX/2022 -- -- - has violated my rights. 

Inquiries XXXX XXXX numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

XXXX XXXX XXXX XXXX -- -numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

ive never lived here XXXX XXXX XXXX  XXXX, TX XXXX -- -- XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( i did not give you 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax is declining the request to block information for XXXX XXXX  survivors. Agape Advocating Consulting is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and XXXX is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

Block information requested by the survivors on their consumer reports submitted and authorized by " Agape Advocate Consulting '' within the allotted time of 4 business days pursuant to the DBRA and FCRA 605C.

First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

I was depositing money from PNC drive thru Atm. I was depositing {$1000.00} dollars. When atm machine got stuck and took my money and gave my debit card back and one of recipt came out. Which says we couldnt return your cash please contact bank. I contact bank and they file a dispute and told me its going to take 10 to 45 business days. I have to pay my bills and rent. And pnc never gave me and temperory credit. Im stuck with their malfuncation atm machine.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax is declining the request to block information for XXXX XXXX  survivors. XXXX XXXX XXXX is an accredited XXXX authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and XXXX is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.

Block information requested by the survivors on their consumer reports submitted and authorized by " Agape Advocate Consulting '' within the allotted time of 4 business days pursuant to the DBRA and FCRA 605C.

First, 1022.142 ( e ) ( 1 ) provides that a consumer reporting agency has four business days from receipt of the consumer 's submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (AR)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

ACCOUNT : XXXX XXXX XXXX XXXX XXXX SHOWING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT IS A CHARGED OFF AND SHOWS STATUS AS OPEN WHEN IT SUPPOSSED TO BE CLOSED ACCOUNT, INFIRMATION IS INACCURATE n according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION XXXX CREDIT REPORT INFORMATION HAS TO BE ACCURATE.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : original consumer contract with my signage on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETEED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Experian Credit Report immediately : XXXX. XXXX XXXX XXXX XXXX - Account number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  - Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-oinvestigation. Be advised that the description of the [ rocedure used to determine the accuracy and completeness of the information of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-18
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!