davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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. (CA)

To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/year>. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( XXXX ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (NY)

I recently applied for credit and i was denied credit from XXXX. i Understand its a violation of the FCRA to deny someone credit and not discriminate based on personal information submitted. Pursuant 15 usc 1691c, c-2. a financial institute may not have access to an applicant information and may not discriminate based on that information.The company submitted that information to experian and they furnished that info on my credit report.
Consumer complaint received 2024-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is to follow up regarding the persistent issues I have faced in correcting the late open account on my financial records. Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and correct the late payments promptly. I am asking for your help to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00}.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

car was reposssed back in 2018 as I called and asked for the vehicle to be picked up, car was picked up and sold through auction i received a letter stating I still owed a balance of i think XXXX for the XXXX XXXX. So then it was charged off and closed but still reporting late and interest still accruing, balance then went to XXXX as being owed and was never updated or corrected and now the company is trying to sue me for the unjust amount that is not even correct and has messed up my credit report with still reporting late or no payments on a charged off/ closed account
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023, I made a purchase of 14 items with an online retail vendor for {$290.00}. The same day, I received a shipping confirmation generated by the vendor, as well as a XXXX shipping confirmation with a US postal service tracking number. On XX/XX/XXXX, I tracked the whereabouts of the shipment through the USPS website and saw that the package status was : " Pre-shipment label printed; USPS is awaiting shipment from sender. '' I reached out to the vendor regarding the shipping status and am informed that " Processing time for orders is 7-10 business days. '' I reply that the shipping confirmation suggests that the order has already been processed and is now en route to the customer ( me ). However, the carrier has not received the package yet and I am requesting the status of the shipment, not an unprocessed order. Again, the vendor states that they " just print the shipping labels as soon as the order comes in... but the website shows that order processing takes 7-10 business days. '' Having been a long-time XXXX member and former seller, I know that XXXX holds the buyer funds until a seller ships purchased goods. Yet, I continue to wait several days for an update. After 10 business days from the time I placed the order, I contact the vendor. Vendor gives me the runaround several days until I request a refund twice. When it becomes apparent that I'm not getting anywhere with the vendor, I dispute the charge through Bank of America ( issuer ) on XX/XX/XXXX. After that, I open a fraud case directly with XXXX against the vendor, since the vendor used XXXX as the payment XXXX and generated a shipping confirmation to me through them, even though she didn't ship the items. On XX/XX/XXXX, Bank of America notifies me that they have filed the dispute with the vendor 's bank. I receive no other notifications since that time. Today, XX/XX/XXXX, I check the status of my dispute through Bank of America and see that the claim has been closed with a status of " Resolved - Claim not Paid '', with no explanation provided!! I still have not received my order and am out of the money. Now I'm opening this claim against Bank of America for closing the claim with no notification to me -- I just happened to stumble upon it -- and no explanation for the denial nor follow up. As the victim, I am not willing to eat the loss.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (IL)

I was advised in XXXX. XXXX by the IRS of identity theft after filing my XXXX return. I completed all the necessary and required steps and had my credit reports locked down by all XXXX agencies-I thought. I was advised by the IRS in XXXX of XXXX of of having my identity stolen again. I completed all the necessary steps. The IRS advised I apply for a pin number. I did but XXXX of the requirements was to submit a credit card and to do that I needed to have my locked down report at Equifax to be temporarily lifted. I was unable to lift it because it said it had not been locked down and my only choice was to lock it down, not a choice to lift it. I attempted in every way to talk to someone but I found it impossible to have a voice contact with Equifax. This is unacceptable. If these types of organizations want to have the responsibility of the " keeper of the keys '', they need to make themselves readily available to the consumer and not hide behind websites and phone trees. These types of organizations need to be held accountable for easy access by the public when needed.
Consumer complaint received 2024-06-07
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. (FL)

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. The account in question is listed below : XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2024-08-19
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 2024-06-05
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. (TX)

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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/ I accidentally used my Truist credit card to with draw {$100.00}. I meant to use my debit card at the Truist ATM. So I saw on my bank app that I accrued a {$0.00} penalty. I paid the {$100.00} on XXXX The next statement XXXX had an additional XXXX fee. Which I paid XX/XX/2023. However I did call to inquire after getting the {$0.00} charge in XXXX they said it was an interest charge. But the statement indicated it was a fee. Then XXXX statement I had another {$0.00} fee. I called again XX/XX/2023. She said the interest rate was 30.2 % on cash advances. I asked her to clarify this. She said I owed {$30.00} on the {$100.00}, despite the fact I paid it off within 3 days. They said I was still paying interest fee against the cash advance. Even though the statements indicated that I paid everything off in full. The manager couldnt explain to me how many more times I would be getting XXXX monthly fees. She said she would send me the supporting documentation that what Truist is doing is in the contract. She offered to try to get one month {$0.00} fee waived but that is all she could do.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-16
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. (IL)

I am REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-12-31
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. (KY)

The last notice sent to Experian dated XXXX was very clear and very conspicuous in regards to what was being requested under federal law. Federal law expresses that EXPERIAN must have written consent from the consumer to furnish information to their credit report/profile. To date, EXPERIAN has never received such written consent from me, the consumer.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX illegally repossessed my XXXX  XXXX XXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX  has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX  has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. 

Thank you, XXXX XXXX
Consumer complaint received 2024-07-24
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. (OH)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the month of XX/XX/year>. Reporter had error within their own system of accepting the payment.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I looked at my XXXX, Experian and XXXX credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX Bank XXXX XXXX the account numbers on XXXX is XXXX, the account number on Experian is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXXXXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, XXXX comment section states purchased by another lender, Experian comment section has nothing stated and XXXX comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX XXXXXXXX account does not match up on all three accounts. The date of last activity on XXXX is XXXX XX/XX/XXXX, on Experian is XX/XX/XXXX and on XXXX XXXX XX/XX/XXXX. All three dont match another violation. 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 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.