davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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 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 2024-10-03
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. (MO)

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 : XXXX XXXX, 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 XXXX 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 ) ( XXXX ) ( 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 XXXX 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 2024-10-03
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)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
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: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
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: EQUIFAX, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

My experian account appears to have been hacked somehow. Their lax security standards have made this possible. I am now unable to unfreeze my credit nor can I access the account I created for myself. and I am unable to reach a human for help in this matter
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

To who it may concern, My name is XXXX XXXX. This is my second complaint. I made a purchase of {$500.00} on XX/XX/24. I followed the size chart they have and received clothes that did not fit. I then decided to purchase a shipping label from them. I shipped the clothes via USPS on XX/XX/XXXX. I still have not received my refund. I filed a dispute with Wells Fargo on XX/XX/XXXX and called on XX/XX/XXXX for an update and was told I had no dispute rights. This is completely unfair I am now not in possession of my money or of the clothes.
Consumer complaint received 2024-09-14
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. (FL)

XXXX XXXX  case # XXXX account # XXXX XXXX  XXXX This company did not stop collection during a dispute XXXX they also still havent sent a validation of debt. This account is destroying my credit and is fraudulent. 

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (KY)

JEFFERSON CAPITAL SYSTEM XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX ACCOUNT Balance {$940.00} Date Updated XX/XX/year> High Balance {$940.00} Original Creditor XXXX XXXX Past Due {$940.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX  Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Consumer complaint received 2023-10-31
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. (CA)

My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-15
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

1

5 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 a
ccount without my written instructions
Consumer complaint received 2024-10-28
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Motor Credit will not correct the late payment reporting for XX/XX/XXXX and XX/XX/XXXX. Due to a checking account error with XXXX 's financial app, the monthly payment, to XXXX, was not received by the monthly due date. I contacted XXXX to make a one-time payment and requested that no late payments be reported. XXXX stated that the account was in " good status ''. The same problem occurred in XX/XX/XXXX. I contacted XXXX to make a one-time payment and to resolve technical issues with their financial app. 

Prior to XXXX and XXXX XXXX 100 % of payments were paid on-time. XXXX stated that's best to make payments thru their web portal. From XX/XX/XXXX to XXXX XXXX 100 % of payments were paid on-time and the car loan was paid off. The technical issues with XXXX 's financial app had created a situation that was quickly resolved by the customer. 

I'm requesting at the 30 day delinquency be removed from my credit reports.
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: EQUIFAX, 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 2024-09-14
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. (FL)

I've asked for investigation of two account that are reporting improperly on my credit report with several inaccuracies and incomplete items. I need the company let me know the method they used to verify this account as accurate reporting. Is my understanding that the company has to follow FCRA laws. The impact on my credit worthiness of this error are hurting my ability to obtain credit.
Consumer complaint received 2024-09-14
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)

Hi Experian, I just received copy of my credit report and I saw this fraud car loan that shall delete from my credit report. 

I REQUEST THE DEBT VALIDATION AND THE SIGNATURE THAT I AGREED TO THIS ACCOUNT. 


I spoke to XXXX XXXX XXXX and I was told that this account is no longer in the system and I have the right to have this inaccurate information delete from my credit report. 

I would like to exercise my right and have this account delete from my credit report.
Consumer complaint received 2024-09-14
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. (GA)

I requested proof of verification from the courts not a third-party for bankruptcy that is listed for my XXXX  and experience credit reports. Neither agency has provided proof they both stated that a company called XXXX XXXX verified it.. I contacted the courts and the courts stated they do not verify. Per 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure and please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and 1 need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Consumer complaint received 2024-09-14
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. (CA)

Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Majority USA, LLC (NY)

they closed my account and no word on my funds no one answers me i had {$930.00} no check nothing account info XXXX XXXX phone numer XXXX dob XX/XX/year> last XXXX of the card XXXX
Consumer complaint received 2024-09-14
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. (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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX 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 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 2024-09-14
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. (VA)

I am writing to report identity theft issue and discrepancies on my credit report on my credit report. I have recently discovered that my personal information has been compromised leading to fraudulent activities on my credit report/accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on file. I seek your assistance in further investigating and resolving these matters. I have attached my FTC identity theft report, passport and utility bill for verification. Please advise on the next steps to rectify
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - XXXX {$870.00} XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/XXXX - XXXX  {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX - Date opened XX/XX/XXXX - XXXX  {$230.00} XXXX XXXXXXXX # XXXX - Date opened XX/XX/XXXX XXXX  # XXXXXXXX XXXX  XXXX # XXXX - Date opened XX/XX/XXXXXXXX XXXX XXXX  {$870.00} XXXX XXXX  # XXXX - Date opened XX/XX/XXXX XXXX XXXX XXXX$940.00} Unauthorized inquiries 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 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 2024-10-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC. (CA)

Hello, I have been dealing with not having information provided to me since the beginning of XXXX. Here is what happened : I have an account with another bank that I would transfer money between to but money into my SOFI account. My other account with another bank was paused given that my card was stolen. I was unable to get into my SOFI account and was not aware that the reversal deposits were happening. I went into my SOFI account shortly after sorting out my other account, and saw there was a hold on my account. I called customer service and they told me that because the reversal deposits happened, my account is under investigation and can be closed. I never received a phone call or notice about this, and was completely XXXX sighted. Every person I have talked to are not able to provide updates. This started in the beginning of XXXX and its XX/XX/XXXX. That is a RIDICULOUS amount of time to wait for updates. SOFI still has all my savings, and they said they would send a check once the investigation came to a close. I never got a call about the investigation being closed, only when I called to get an update is when I found out they were closing the account. It would be XXXX thing if the reversal deposits were due to insufficient funds. Then I would understand closing the account. But the reason why the reversals were happening was because of my account With another bank had to be paused given that I did not have my card and it was stolen.

I have read about these same issues and multiple people have said that their hold was lifted no problem. So Im not sure why my account has been closed when I have had no issues in the past. Reversals without my knowledge and I received no notification, email, phone call, nothing.

And the fact that SOFI still has my money in my savings and hasnt sent a check is ridiculous. They said they would send it after they have decided the account has been closed. Well one person told me that it was being closed and another person told me the investigation is still going on. So what is the correct answer? As a customer- this is a very stressful and unfortunate situation.

The phone call I just had was someone saying they are waiting for one more reversal made on XX/XX/XXXX?? Then once they see that payment is done and made they are closing- I dont understand why this is taking this much time. And the fact that they are closing my account with no notice beforehand with the reversals happening is so frustrating. And the fact that my savings cant be accessed and I dont have the check yet is completely unprofessional. This has caused additional stress that I do not need to be dealing with. And the fact that every person I have talked to never had answers and all they told me was the investigation was still happening is just ridiculous. 

I suggest my account be looked at again and opened back up. And I would like a higher up to contact me immediately. 

Thank you