davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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. (CA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information these companies did not get my approval or consent, nor did I receive notification of them sending a letter to disclose my information and these are all violations, remove them now! 

XXXX XXXXXXXX XXXX  XXXXidentity theft-where is my wet signature that I gave permission XXXX XXXXidentity theft-where is my wet signature that XXXX gave permission Capital XXXX XXXX XXXX XXXXidentity theft where is my wet signature that I gave permission
Consumer complaint received 2024-10-31
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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off CHILDSUPPORT XXXX XX/XX/XXXX {$17000.00} XXXX  XXXX XX/XX/XXXX {$8600.00} late payment XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-23
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)

XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-08-29
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)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$15.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

This is related to XXXX replacing these HARD inquiries back unto my credit report after they were removed in early XXXX alone with a police report for identity theft, as I have resubmitted a police report stating these grounds ( SEE ATTACHENT ) I have also attached dates starting XX/XX/XXXX, XX/XX/XXXX, where you clearly see that there wasn't any hard inquiries on my credit report, this was only done after I had submitted a dispute to XXXX regarding Experian XXXX services showing these ( XXXX ) HARD inquiries on XXXX at that time that wasn't on my credit report which was on XX/XX/XXXX. From that day they had spoken with Experian related to these issues, and Experian change their mind set, and sway them to place these ( XXXX ) HARD inquiries back unto my credit report, which is not how the law works as for as consumer law where identity theft, and fraud had taken place. This is totally a spiteful move, as well as unethical wrong and need to be addressed. XXXX has now hindered my credit report to attain credit worthiness from lenders. Hard inquiries can't be removed, however, unless they're the result of identity theft.
Consumer complaint received 2023-12-23
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. (MD)

According to the Privacy Act of 1974, it was created to protect and curb the illegal surveillance and investigation of individuals by federal agencies. It also stated the major concern for potential abuses presented by the government 's increasing use of computers to store and retrieve personal data by means of a universal identifier - such as an individual 's social security number. Along with 5 USC 552a, these two laws are to protect the consumer 's personally identifiable records maintained by agencies.

15 USC 6801 ( a ), states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC 6802 9b ) ( 1 ) A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct reheat such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of h ow the consumer can exercise that nondisclosure option.

Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, XXXX and Experian.
Consumer complaint received 2024-09-17
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. (NY)

I submitted a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau indicating they believe the disputes are coming from a third party, which is not the case. Despite my attempts to verify my identity by phone, they still refused to process my disputes. I ended up spending money on mailing my disputes and sending personal information to confirm my identity, only for them to fail to conduct a thorough investigation.
Consumer complaint received 2023-12-23
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. (NC)

I am trying to access my Experian online account of a credit report freeze that I activated on XXXX XX/XX/2018. Something has occurred that will not permit me to log onto my account. It says I have an incorrect password. When I try the reset password option online, it asks me for my phone number. When I enter my phone number, it says that it is incorrect. Then, I am given the instructions to call Experian. But when I call, there is only an AI response. None of the options provided are addressing my problem and there is no availability to speak with a person to explain the problem. I have tried several Experian numbers ( XXXX, XXXX, XXXX ) and all of them have the same problem of limited options and no way to speak to someone. I do not know how to resolve this problem.
Consumer complaint received 2023-12-23
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)

XXXX account # : XXXX XX/XX/2022 XXXX Account # XXXX Date Opened : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Account # XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2.

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation.

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.
Consumer complaint received 2024-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX  credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$15.00} XXXX  XXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXXXXXX XXXX Balance:XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BalanceXXXX
Consumer complaint received 2024-10-03
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. (AL)

I opened an account with XXXX however I kept getting an error message concerning my information saying that my identity could not be verified so I was never able to charge anything to the account.Im not sure where or why I have a {$30.00} charge
Consumer complaint received 2023-12-23
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 am writing to contest any information on my credit report that may be inaccurate or undocumented. I kindly request that you please review my credit report in accordance with the FCRA. Kindly remove the Inquiry from my Experian and XXXX report that is dated for XX/XX/2023. This was not authorized. 

XXXX XXXX- XX/XX/2023 If there are any inaccuracies or non-compliances, I kindly request that they be removed from my credit report. 

Thank You,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-01
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. (IL)

I recently reviewed a copy of my credit report and noticed several inaccuracies. These unauthorized accounts are hurting my ability to obtain credit as I am in the process of trying purchase a home for my family. It is my understanding that you will investigate these items to ensure accuracy and remove all fraudulent accounts from my credit report. Here are the other items as well, I am asking you to verify as accurate : 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 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XX/XX/2023 I went too XXXX to pay my bills, I went to the Citizens ATM they have in their store to withdraw my funds {$300.00} Dollars because I can't pay with card I needed cash, I do admit getting distracted by a text on my phone during this transaction and in my defense I never knew about the security alert on the ATM I never had a issue with withdrawing funds but then again I never used this ATM before. When I went too grab my funds the ATM Retracted my {$300.00} Dollars back in the ATM, The CVS Cashier told me about the Security Alert time limit for every transaction done on the ATM, I asked for a Manager when the Manager came she told me to contact the ATM Merchant by phone because they couldn't do anything because that's not their ATM, When I contacted the Citizens ATM Merchant I provided him with a Terminal number XXXX so he was able to find the transaction on his side, when he returned to the phone he filed a claim for me XXXX then told me to contact my bank and file a Regulation E Claim, upon contacting my bank ( Chime ) I was told that I have too wait until the Transaction is no longer pending before I can file a claim, so I waited and still checked everyday on Chime too see when the pending would be dropped off and hoping that my funds would just return to my account and everything could be resolved but that didn't happen instead on XX/XX/2023 when checking my Chime account the pending indeed had dropped off but my funds did not return so I contacted Chime support Team and let them know of my situation and then the agent filed the claim XXXX and told me about the credit within 10 days if the investigation was not completed but I was denied within a couple of hours on the same day I filed the claim at this point I was confused and upset with Chime so I contacted the Chime Support Team back and the Agent filed a Rebuttal claim XXXX and then I contacted the ATM Merchant too see what happened on their end and they couldn't understand how I was denied and asked for the denial letter and the documentation that led to the decision on the denial of giving me my funds back and I sent over everything I had on my end but that was not the documentation on why I was denied so I contacted Chime Support Team again to retrieve these documents repeatedly on XXXX XXXX, XXXX XXXX, and XXXX XXXX and made a request for the documentation on the detailed decision that led to why I was denied and was told by the agents I spoke with that the indeed submitted these request to the Investigation team and I should receive an email of the detailed documentation on their decision to deny me my funds in a couple of hours and I never received these documents at all so now I am filing a claim with CFBP.
Consumer complaint received 2024-08-29
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-17
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. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-03
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. (LA)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-12-23
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. (MI)

On XX/XX/23 I Filed A Complaint With CFPB Stating In accordance with the fair credit Reporting act Convergent XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

The Company Responded In 4 Days That They Have Investigated & Information Is Accurate. 

I Disagree That This Company Did A Investigation. Late Payments Are Still Reporting Inaccurately & Unverified & According To FCRA Should Be Removed Immediately! 

Below Is Proof Company Did Not Investigate Nor Verified This Information. If They Did As Of XX/XX/23, How Is It, Its Still Reporting 30 Days Late In XXXX & XXXX? 

Inaccurate, Unverifiable Information Should Not Be Updated! But Deleted From My Report Immediately!