davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting 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. (AZ)

fraudulent account on my credit profile from XXXX Opened XX/XX/2023 fraudulent inquries also on credit profile. XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-13
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. (NY)

In accordance with the Fair Credit reporting act. The Account below has violated my federally protected consumer under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account Number : 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, states a consumer reporting agency can not furnish an account without my written instructions 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall nui 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 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Avant Holding Company, Inc. (NJ)

I have requested XXXX XXXX XXXX TIMES for Avant to remove my bank account from their company. It continues to remain on file, and now I am really, really XXXX. You can not just do whatever you want and get away with it. I was extremely respectful and professional and now I will not be. Delete my name, my address, my checking account information, EVERYTHING or you will have serious, serious legal issues. Do NOT XXXX with people and their personal, sensitive information. Happy to see you in court if you refuse. XXXX of XXXX privacy, unethical, and absolutely XXXX people.
Consumer complaint received 2023-10-26
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. (FL)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (AL)

I am struggling to make the monthly payments to world finance. I am having financial difficulties. I was wanting to name smaller payments. But I can't come to world finance in person. Which is what world finance is wanting me to do.
Consumer complaint received 2024-09-19
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/year> - I have been unable to contact Transunion to request my credit report or check on the status of a credit freeze. ( I have no problems with XXXX or XXXX ) I contact Transunion ( as well as XXXX & XXXX ) each time someone attempts to open a line of credit which has happened several times over the last couple of years.

I begin by logging in to their website where the response is always the same - " they are unable to complete my request ' and I am given the option to call by phone or chat.

Attempting to contact Transunion by phone or chat has never been successful because of the extreme time waits imposed.

Regardless of the method you use, you are always referred to an alternate method.

When trying to request a copy of my credit report from XXXX, my computer freezes up when requesting the " Transunion '' Credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This pertains to my previous complaints : - ID FOR COMPLAINT SENT TO XXXX - XXXX - ID FOR COMPLAINT SENT TO EQUIFAX - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX I need your help to resolve this issue. I am exhausted from continuously communicating with the bureaus. I am not receiving any assistance. I have been a victim of identity theft, and these companies or individuals are taking advantage of my situation by exploiting my information. These fraudulent accounts and inaccurate reports have put me in a very difficult position. I am unable to apply for anything at this point due to the negative statements on my credit reports, which are not even mine. I am seeking justice for this unjust and delayed resolution. Please assist me. 

The following are the items that I need to be removed/corrected : XXXX ) I was not late for these payments : aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
The creditors did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. 

XXXX ) Remove these fraudulent inquiries : a. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the fraudulent accounts : a. XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX ) I was informed that these would be removed from my account, but they are still here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX I have attached a copy of my FTC report, CFPB report, ID, proof of address, and SS card.
Consumer complaint received 2024-08-14
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy 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 othe
r 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 2024-05-29
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. (FL)

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX . I am writing this complaint because I originally filed a complaint with Equifax through the CFPB 's website on XX/XX/XXXX, CFBP case number : XXXX, in which Equifax responded back on XX/XX/XXXX. This response was outside of 30 to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Equifax responded on XX/XX/XXXX, stating that this account was, " NOT REPORTING '' on XXXX XXXX XXXX, Consumer 's, Equifax credit report. However, it's still reporting. After speaking with an agent at Equifax, which was mentioned in the latter complaint filed with the CFBP on XX/XX/XXXX, case number : XXXX, in which Equifax opened the complaint on XX/XX/XXXX. As of XX/XX/XXXX, the time frame for Equifax to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). Equifax willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2023-10-26
Product: Credit reporting 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. (TX)

I HAVE 3 INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE AND THEY NEED TO BE REMOVED IMMEDIATELY. BY LAW THEY HAVE TOO BE REMOVED. THANK YOU.
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: EQUIFAX, INC. (OH)

I recently submitted a complaint about Equifax through the CFPB here is the number associated with the dispute that is still open XXXX. Equifax continues to not follow procedures according to the FCRA and continues to provide stall tactics to prevent my disputes from being heard and my report being rectified. They are in violation of sections 607, 609, and 611 of the FCRA. I recently received mail indicating that they need more identification in order to open my dispute when my drivers license and proof of address documentation was given in the complaint listed above. I am requesting the CFPB step in in order to rectify what Equifax is doing. I am attaching the letter I received when my identification has clearly already been provided I've requested an investigation and here is exactly the request according to the open dispute XXXX : The account reporting is in violation under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy. XXXX XXXX XXXX  Account Number : XXXX. Not only that but the account was never properly investigated through Equifax. I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. FCRA Section 623 states the responsibilities of furnishers of information to credit reporting agencies. FCRA Section 624 has information concerning the responsibilities of credit reporting agencies upon receiving notice of disputes. I am demanding to see verifiable proof of what is on file for the accounts listed in my dispute. Failure to provide this proof has adversely impacted my ability to obtain credit. Removal of Unverified Accounts : As per the FCRA, states that when information on a consumers report can not be positively verified must be removed from my credit report. If you are unable to furnish a copy of verifiable proof, you are obligated to remove the accounts listed in my dispute or update it using the facts given to you by the consumer. This account listed is a clear violation of FCRA Section 609 ( a ) ( 1 ) ( A ) : This section explicitly requires the verification of original signed consumer contracts for all accounts posted on a credit report and I should have been given a proper investigation. My report is still misrepresented and none of the information reports the same on any of my consumer reports. It is evident that my dispute must be adhered to and I am requesting the CFPB to step in to ensure it is rightfully executed. Please refer to my attachments for my complaint in order to adhere to my request and please send an updated copy of my credit report as well. Another violation that has happened which is a violation of 1681g ( a ) ( 1 ) which requires a consumer reporting agency to provide consumer reports upon requests which did not happen.
Consumer complaint received 2024-05-04
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. (NC)

XXXX XXXX XXXX XXXX XXXX I am writing to formally notify you of a discrepancy in my credit report concerning a late transaction dated XX/XX/2024, which appears to contravene the stipulations of 15 USC 1681a ( a ) ( 2 ) ( A ) ( i ). This law explicitly excludes certain consumer transactions and experiences from being reported in consumer reports and this is not a personal account.

As this entry may adversely affect my financial standing, I request an immediate investigation into this matter and, if warranted, the removal of this entry from any and all consumer reports. Please find attached all pertinent documents and correspondence related to this issue. 
Please confirm receipt of this letter and inform me about the steps you will take to address this discrepancy and provide evidence/ steps via mail certified! I expect a response within 15 days as mandated by law. 
Thank you for your cooperation and understanding.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXXXXXX - XXXX "
Consumer complaint received 2023-02-13
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX, and I am writing to bring to your immediate attention a serious matter that has recently impacted my life. 

Regrettably, I have become the victim of identity theft, wherein several accounts have been opened in my name without my authorization. This act of fraudulent activity has not only caused immense XXXX and XXXX but has also resulted in significant financial losses on my part. 

I appeal to your esteemed institution to take swift and decisive action to investigate this matter further and to assist me in rectifying the damage caused by this despicable crime. I have already taken the necessary steps to report this incident to the relevant authorities, and I trust that your cooperation will help in resolving this issue promptly. 

I have attached relevant documentation, including copies of the fraudulent accounts and any supporting evidence that may aid in your investigation. Your prompt attention to this matter is greatly appreciated, as I am in urgent need of your assistance to halt any further unauthorized activities in my name. my financial security and peace of mind. 

Thank you for your attention to this matter. I look forward to your timely response
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023 between XXXX I went to deposit XXXX in my checking account using my ATM card. I had done this countless times before. I put the money in it gave back XXXX I tried to get the machine to take the XXXX two more times it wouldnt so I was going through with the XXXX. It was making the sound as if it was counting the money to deposit it. A message came on screen said take your funds or we will retain them. Well the deposit door was closed so I couldnt take the money. Few seconds later a message came on the screen and said we will retain your funds. So it kept the XXXX didnt deposit the funds in my account and didnt give me a receipt. I immediately called the bank customer service. Told them what happened this was the location at XXXX XXXX XXXX XXXX la XXXX. The ATM machine has a camera on it the number of the ATM machine was XXXX XXXX XXXX XXXX. I gave all that information to the customer service representative. They gave me a claim number XXXX. The representative told me I would have a credit of my funds in two business days. That never happened and it would take 45 days to complete investigation. Nothing was put in my account and no one has contacted me. That was my bill money. The machine has cameras they can see that I put money in the machine and the can also see the fact that they had more more than what was deposited in customers accounts. Obviously thier machine was malfunctioned that day. Bottom line is I want my money back.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

hom it may concern I have these closed accounts with XXXX XXXX XXXX Closed on XX/XX/XXXX & XXXX XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, equifax and XXXX or any other credit reporting agency.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am filing this complaint personally. After examining my credit report, I noticed listings for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a response, and they have failed to provide adequate validation to support these alleged late payments. I kindly request your help in resolving this issue.
Consumer complaint received 2024-06-13
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.