davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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. 

XXXX XXXX XXXX have 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 an account without my written instruction.

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.

In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ Whatever verbiage they used in their response letter to you ]. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA.

Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation .

As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and delete the account listed in my dispute I noticed that ( reinserted account ) has been added back after deletion. I disputed the inaccuracy of this account before and the account was removed. I am confused as to why this item has popped back up on my credit report. Under the FCRA ( Fair Credit Reporting Act ) an item can not be reinserted onto my credit report without written notice by a credit bureau to me within five business days of the reinsertion. I have received no such notice and formally request this item to be deleted again as this is a violation of my rights.
Consumer complaint received 2024-09-17
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. (SC)

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 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 I walked into the Navy Federal branch to deposit my backpay check from my employer United States postal service. the following day I received an email stating that by deposit would be held 5 more business days but could not tell me why. I am highly XXXX off and someone needs to be held accountable. I'm currently living in hotels and tonight I could not pay my hotel bill, I don't have any money for food. Navy Federal have really put me a dangerous situation.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Over 30 days ago, I mailed off some consumer law letters via certified mail to all three credit bureaus. Transunion, XXXX and XXXX. There is only one address that should be showing up. There are inquiries that I didnt authorize that are on there and when I called Transunion , I was told that I had to get an authorization letter from the company AND myself and mail it in and list the inquiries and send both to them. How can I get an authorization letter for an account I dont have and didnt apply for? I also dont want my late payments section showing on my credit report. By law, thats supposed be something thats just between my creditor and myself!
Consumer complaint received 2024-10-16
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: CL Holdings LLC (GA)

I am writing to formally dispute the validity of the account referenced above, which has been reported to my credit file. I believe this account is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccurate Reporting ( 15 U.S.C. 1681b ) : Under the FCRA, I am entitled to accurate information being reported. The details of this account are not correct, and I request that you provide verification of the debt.

Consumer Reporting Information ( 15 U.S.C. 1681b ( 2 ) ) : I assert that your reporting does not meet the requirements stipulated in this section, as you have failed to provide a permissible purpose for obtaining my consumer report.

Validation of Debt ( 15 U.S.C. 1692g ) : According to the FDCPA, I request that you provide verification of the debt, including the amount owed, the name of the creditor, and documentation that supports your claim. Without this information, I will consider the debt invalid.

Cease Communication ( 15 U.S.C. 1692c ) : I request that you cease all communication regarding this account until you provide the necessary validation as outlined above. Continuing to pursue this matter without proper validation may constitute harassment under the FDCPA.

Please respond to this letter within 30 days of receipt. If you are unable to provide the necessary documentation, I request that you remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I summited a complaint on XX/XX/XXXX  to Equifax alerting them there is identity theft information on my consumer report on the CFPB portal. The company responded on XX/XX/XXXX  stating that the investigation was complete and all of the items will be deleted. They were initially deleted but Equifax put the identity theft information back on my consumer report without my consent and also without even sending me a reinsertion letter like the FCRA states you should do. That is a violation of the FCRA and also they are willfully and knowingly reporting this information which is a defamation of my character to banks. Furthermore I have also filed a lawsuit against Equifax for violations of the FCRA.
Consumer complaint received 2024-10-23
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. (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.

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 account listed without my expressed written consent.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX, XXXX, XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as XXXX days late in XX/XX/year>, XXXX is reporting me as XXXX days late in XXXX of XXXX, and Equifax is not reporting any late payments and has a different account open date and a different last transaction date. Please remove this from my credit immediately and I am requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

My frustration has brought me here, because in the past XXXX months I have tried to reach out to your company and nothing has been resolved about the inaccuracies in my report. It is negatively affecting me and my financial state.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-09-15
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. (PA)

XXXX XXXX LAST 4 of social : XXXX XXXX XXXX Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on fileis incorrect : XXXX XXXX XXXX Account Number ( XXXX ) The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (MO)

XXXX XXXX XXXX, XXXX. for Citibank , N.A . 
XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # ending : XXXX Filed a lawsuit without sending a demand letter, validation notice or debt validation letter not allowing me to get verification of the debt. Violating my ( FDCPA ) rights. 

Filed a lawsuit on XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MO)

As of XXXX XXXX XXXX my student loans, around {$69000.00}, were transferred from Mohela to XXXX but my credit report has not been updated to show that I no longer owe Mohela. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and Mohela, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to Mohela twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the Mohela student loans. In fact, those loans are still showing up as open with the original balances.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX { last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX CrossCountry Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (NY)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When i was younger I had some personal struggles and it left me without of debt. Since Ive turned my life around 9 years ago I still struggle with raising my credit score. It got so bad that I had to file for XXXX XXXXXXXX bankruptcy. Since then its been impossible for me to get get a credit card even through I have maintained full time employment and make well over {$75000.00} a year.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Dispute of Inaccurate Credit Report Information Dear Sir/ Madam , I am writing to dispute incorrect information on my credit report. After reviewing the report dated XX/XX/XXXX, I found several errors that need to be rectified as soon as possible. Please find below the specific discrepancies I have identified and my request for corrections : 1. Name Discrepancy Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth Incorrect : XXXX Correct : XX/XX/XXXX XXXX. Address Discrepancy Incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Correct Current Address : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, PA XXXX Correct Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Correct : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 4. Employer Information Incorrect : XXXX Correct : XXXXXXXX XXXX XXXX XXXX Please investigate these discrepancies and correct them promptly. I have enclosed a copy of my Pennsylvania Limited License for your reference and to verify my identity. I trust that you will update your records and reflect the accurate information in my credit report. 

If you require further information or documentation, please do not hesitate to contact me. I expect a written confirmation of the changes once they have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

There were 2 small transactions on my account submitted on XX/XX/XXXX and i received a text message about fraudulent activity. I called the bank the agent cancelled my cards and ordered new ones on Monday XX/XX/XXXX i received a call from the fraud department following up on Saturday 's activity and to verify activity from that day. Believing that this was actually Wells Fargo, they did not ask for account information or anything, when denying any of the activity from that day, i pulled up my account, and dialed the number on another phone. The Wells Fargo automated message came on and i saw the transactions that they mentioned on my account. They indicated that they will send me a code a read back the number. Again, believing this is actually Wells Fargo, i gave the code. i literally watched the {$14000.00} disappear from my account instantly. The next day I went to local branch, they cancelled all cards and changed all accounts. I received a letter today stating that Wells Fargo was not responsible because someone used my username and password to send the Wire transfer. Neith of which i gave out. They already had account information and everything. They never asked for anything other than the code. I feel that this is a gross injustice and due to their lack of security proctecion on my account is why it was compromised. They have the information of where the wire was sent, email from the XXXX account they were trying to get additional funds from. Noone contacted me to ask for anything. I have all of the codes that were sent. They could be used for investigation. I have the email from the person that took my inquiry that Saturday. My prior account history and movements should have caused reason to question all activity. There is also an article published by XXXX that speaks to this very scam. I need your help as $ XXXX is alot of money and all i have. I was hoping to get reimbursed by now to pay my bills for XX/XX/2023. The money taken cause my mortgage and car not to not be paid so i know will have to unpaid notes and i have not ever missed any. PLEASE HELP ME< I AM DESPERATE AND BROKE
Consumer complaint received 2024-10-23
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. (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.

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 ma
y 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 2024-10-23
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.