davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX Account # XXXX Account type : credit card In accordance with the fair credit reporting act, public law 91-506, title VI, section 611 please provide the names and business addresses of each individual with whom you verified above so I may follow up. please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-13
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX XXXX XXXX, recently acquired a credit report from XXXX and Transition on XX/XX/2024 and Noticed the statements are incomplete and inaccurate in accordance to the Fair Credit Reporting Act. 

Whereas, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts XXXX XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C . 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

These accounts XXXX XXXX XXXX, Account # XXXX, are not complete and accurate according to 15 U.S.C. 1681 having permissible purpose nor is it stated in either of the reports therefore is null and void and shall be deleted and reports shall be updated immediately. 

XXXX XXXX XXXX XXXX, Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately. 

XXXX XXXX XXXX, Account # XXXX, reflects that the account was paid in full and closed with a {$0.00} balance yet reflects and late payment. The report shall reflect all positive reporting and not a negative nor derogatory statement on a closed account that's still apparently open as the status is currently being updated. Therefore, the reporting incorrectly date of last payment is not correct, this account is not accurate and shall be deleted immediately.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I just found out that XXXX XXXX XXXX  is showing on my credit report for a paid off loan. The loan was paid off in XX/XX/XXXX. I received a letter in XXXX this year they reported me in error to the credit bureaus yers ago which I wasnt aware of. Im going out for a job the checks my credit and they mention XXXX which I had never heard of. In checking my report XXXX is XXXX XXXX XXXX. Looking at my credit score today it has dropped. Investigated why and it shows one of my fully paid XXXX XXXX XXXX accounts has been delinquent in XXXX, XXXX and XX/XX/XXXX XXXX Ive been making payments on time in this account since XX/XX/XXXX. That cant be considering the account has been paid in full since XX/XX/XXXX. I spoke with a representative in the phone at XXXX XXXX XXXX XXXX was told this sort of issue is common and it will take a while for it to get corrected. Im so annoyed with this issue because my father was my co-signer and Im sure this issue is now affecting his credit as well which he never asked for. Im just learning XXXX XXXX XXXX has a past of doing this. I would like to know how I cant get the issue fixed because XXXX XXXX XXXX XXXX seem to be highly confused and the two companies are not communicating in order to fix client issues such as mines. Im afraid this issue on my credit may affect me in getting a potential job due to them mentioning this negative aye on my credit report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/23 I requested this information from to verify the debt and they kept sending me the same documents and never what I requested. They sent majority of the documents except the signed contract or application that shows my signature or the proof they own the debt.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX a reservation in my name and automatically charging my credit card on file with XXXX. I called the property to inquire why this was done. The merchant informed me that their XXXX, XXXX, had fraudulently made multiple reservations for multiple guests and, when discovered, XXXX was fired. The merchant informed me that my reservation would be canceled and not charged. However, instead of cancelling the reservation, the merchant changed the reservation to a shorter period at a higher daily rate. XXXX notified me that my reservation was changed, not cancelled, so I complained to the merchant, a private franchisee of XXXX, again. The merchant assured me that it was a mistake, and that they would cancel my reservation. The merchant again changed my reservation instead of cancelling it, so I complained to the merchant again. The new XXXX, XXXX, stated that she is not responsible for XXXX 's criminal behavior. I explained to XXXX that I was disputing her fraudulent activity after XXXX was fired, and I asked for written records of who made these reservations in my name, and who made subsequent changes in my name. XXXX refused to comply. Therefore, the XXXX records that verify that someone other than me made this reservation plus XXXX subsequent changes to this reservation are in the merchant 's system, and also the XXXX system, but I have been denied copies of these records. I disputed XXXX charges with Citibank. Citibank states that I can not contest the charges without written sales receipts. However, the merchant never gave me any receipts, and the merchant refuses to disclose their documentation, so Citibank 's request is unreasonable.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am attaching my FTC Identity theft report which lists the following accounts that need to be removed from my Experian credit report as they are not my debts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( this acct is listed twice with slighlty different name ), XXXX XXXX XXXX ( this is the XXXX debt that is listed in the FTC report ). I am certain these acconts are not mine.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

After reviewing my XXXX, Experian and XXXX credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2023-12-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

CREDIT ACCEPTANCE CORPORATION Account # XXXX repossessed and sold the vehicle. The amount being reported is fraudulent. I am not responsible for the vehicle. My deceased husband, XXXX XXXX was responsible for the vehicle. Please remove this fraudulent information from my credit file.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked all three credit bureaus on three different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XXXX XXXX However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XXXX last active date XXXX 

Transunion- Is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XXXXXXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XX/XX/XXXX. Date last active XXXX 


Please delete all unverified collections immediately.
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OR)

On memorial Day I sent money from my new Chase Bank account which upon downloading chase online banking it came with XXXX so I asked my friend if he ever used XXXX wich he had So on Chase XXXX account his name among others from my phone list came up as verified XXXX account and still double checked his phone number from my phones contacts and it was the same so I sent him XXXX $ when he didn't get it right away XXXX customer service said it might take awhile because of holiday and first time using it then XXXX would tell me they can't see any of the bank activity which I found to be a lie so chase blamed it on XXXX XXXX blamed it on chase my friend never recieved the money then they told me it went to a XXXX XXXX XXXX XXXX credit card because he had that number months ago the money was supposed to go to XXXX XXXX XXXX XXXX XXXX bank So coming from thier list of verified XXXX users how did it go to wrong person with nothing but a phone number Nothing else matched and obviously thier " verified '' list is not verified When no one would listen or help me at my branch in XXXX i went to manager of Chase in XXXX  who were totally on my side saying they dont understand how thier not giving me my money back but nothing they can do
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm Cravath , XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Consumer complaint received 2023-11-14
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-05
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. (IL)

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 168.XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-07-01
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Collection Management Holdings, LLC (AZ)

I monitor my credit and bills monthly very closely. I saw this just reported on my credit report on XX/XX/year>, for owing a balance of {$1100.00}. I have no idea what this would be in regard to. The date of service is listed as XX/XX/year>. I have no bill from anyone for this or no phone calls received for this. 

Please look into this and help me to verify why this is reported on my credit. This company has no phone number listed or account information for me to reach out. I filed a dispute with XXXX XXXX
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CT)

On XXXX XXXX XXXX  My navy federal debit card was stolen and a phone was taken as well. They accessed online and changed info. Then stole {$900.00}. Around XX/XX/XXXX I received mail from navy federal go prepaid that I were receiving a permanent provisional credit. This fraud took place around the same exact time XXXXXXXX XXXX XXXX XXXX XXXX  i realized my wallet and my sons phone was gone. I then read emails in my phone saying my providers card account sent money to my sons XXXX XXXX XXXX  that we didnt have totaling {$2300.00}. I never sent my son any money.