davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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. (CA)

I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for XXXX XXXX, XXXX to validate the alleged debt against me reporting on account # XXXX. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but thats all. I have absolutely no record of a debt with this company in the amount! Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-10
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)

I just checked and reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-04
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. (NM)

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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Said account listed by XXXX  XXXX was not authorized by me. I have NOT received a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. I demand the following unauthorized accounts be deleted immediately.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

I closed the account for the chime secured credit card builder on XX/XX/24 I have documentations. The balance was {$0.00} I have a statement provided from the company. They keep reporting the account open and with a {$1700.00} balance. I have disputed this with XXXX XXXX times have got additional information from Chime company and it is states account is closed balance {$0.00} but then they report to XXXX that it is open. I have sufficient documentation I need help to close this correctly and get off my report.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
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. (WI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-01
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. (TX)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquires that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquires removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-23
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: Experian Information Solutions Inc. (PR)

I request to EXPERIAN to verify the two accounts listed on my credit report XXXX and XXXX XXXX   they said that they contact XXXX and asked them to verify the accuracy of the information with which I disagree. XXXX  SUPPOSEDLY responded and verified that the disputed information was accurate as reported .I contacted XXXX  and they effectively removed the two accounts from my records. I have supporting new documentation regarding the disputed information, See attached letter below
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

My credit report on Equifax was built with ITIN number. 
A couple months ago I got my SSN number with SSA. I've changed my SSN number with all credit card companies, but the SSN number on my Equifax credit report is still incorrect.

It has caused me a LOT of troubles, including denied credit card application. I'm also unable to pull my 3-bureau credit report due to incorrect data in my equifax report .

I tried to file a couple of disputes with Equifax. Since I'm not a XXXX XXXX in the US, my SSN card have " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '' on it. But it was still considered as a valid SSN card by SSA. XXXX XXXX XXXX XXXX ) But they responsed with " THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. ", which is completely nonsense as they are valid social security number and they will never change throughout my life.
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (ND)

NET CREDIT XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Line of Credit XX/XX/XXXX Open Open. {$6400.00} past due as of XX/XX/XXXX. 
XXXX XXXX 241 % {$7300.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} {$67.00} {$6400.00} {$7300.00} Individual Comments : Account payments managed by a financial counseling program Contact Into : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I closed this account due to unavailability to work in XXXX due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They verified and confirmed that it would be closed and did not follow through on my request and continued to collect interest on an original loan amount of {$3000.00} that turned into over {$7000.00} with a 241 % interest rate. XX/XX/XXXX. XXXX XXXX This also needs to be taken off of my credit report due to the amount of time that has passed from XXXX
Consumer complaint received 2024-06-05
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-28
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)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I realized I was a few days late on my monthly payment and when I logged in to the portal they are forcing me to pay the full amount vs my minimum payment. I have attached a screen shot of the notification I get saying that I wont be able to until they generate a statement, which will then put me further behind and will effect my credit. I do not have the ability to fully pay off the balance and they have already charged a late payment fee. This is extortion in its fines form.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-11-01
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. (CA)

I reviewed my credit report earlier this year and found fraudulent accounts opened under my name that I had no knowledge of. I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives and requested to make disputes on the phone. After an investigation, they still do nothing to correct the mistakes. I even asked for validation of the debt although they claim to have verified the debt is mine but have never sent me a consumer contract as proof. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is required to provide the original consumer contract! 

The following accounts were not opened by me and need to be corrected and deleted : XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX  Credit report XXXX credit report. Experian XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My name is XXXX XXXX XXXX XXXXXXXX my phone XXXX I have complained please I been with Bank of America 13 years I have business and credit it card and I have personal account also, Im a gold member with Bank Of America, Police report is : XXXX Officer : XXXX badge number # XXXX XXXX police department has been notified My story is please take my situations seriously On XX/XX/2023 at XXXX its was Friday I got notified from my Bank of America app notification if I have authorised this amount? I said no. after short time Bank of America phone number calling me XXXX at the Same phone number on my back of my card asked me your account has been restricted I logged in my account just making sure if he is correct but he was right I saw my account is restricted also he knows about my transactions I made at this week he made me to trusted him because he told me everything about my account also he restricted my account I and asked me for code I been told I have a fraud XXXX and he is going to help me to get a refund it back and asked me dont login due to the investigation and I did not login until Monday where I fount out there is a fraud after he asked me about wire transfers where I got hit Sunday as well XXXX with multiple transactions XXXX I notified Bank of America immediately and I told them what is going on where they told me he is not Bank Of America agent it is a fraud I filled claim for multiple transactions of total amount {$9900.00} Bank of America customer service they are not helpful at all each agent filled the claim different way they trying their best to blame me for it where customer service phone number called me and how he get to my Bank of America app it should secure system and help me to get my money back probably hes the agent working with you guys I dont know I need help to get my money back and solve my problem please, I need to know before further action I talked to my lawyer i am going to take Bank of America to federal court and I will share my story and every single of Benk of America website honestly but I been patient I need to know whats going to happen first all what I need to solve a problem and take my situation seriously please because the fraud department they are unprofessional and not helpful at all probably he is working with Bank of America agent I dont know the scammer he does know everything about my account Police report has been notified Claim number is XXXX Bank of America
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PR)

I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, S.S.A, I even sent documents and called XXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a XXXX employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS. I also called today at XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Discovering an error implying a XXXX  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 2023-11-07
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.