davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Dates XXXX I sent a dispute about inaccurate information on my credit report to Equifax in XXXX. 
I asked for proof that I made a late payment and verify the information they never sent anything to proof they investigated the matter
Consumer complaint received 2024-08-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: VYSTAR CREDIT UNION (FL)

I had a secure account/ certificate of deposit and account was current as of XX/XX/year> yet Vystar took my moneyXXXX and closed my account.When I inquired about this they would not provide me a response I received {$290.00} after each payment was made I was counting on this money to supplement my income.i noticed there were several unauthorized transaction on my accounts when I enquired about that I was told to contact their legal department which would not talk to me.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-09-11
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. (IL)

" 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (IL)

I have reached out to this company First Access XXXXXXXX through XXXX XXXX XXXX XXXX several times. I have disputed this account several times. I have a recorded phone call with this company station that if I sent in supporting documents, they would remove the account from my credit and they have failed to do so. I emailed this company on XX/XX/XXXX and XX/XX/XXXX. I have sent over my FTC report, Police Report and my previous residential lease that clearly shows where I was living at the time this account was fraudulently opened. I have also requested this company to send me Hard, evidential proof that I opened this account and have yet to receive nothing but a letter stating that my claim was denied. No proof, no signatures, no hard evidence. Just a letter saying that the info provided on the application matches my personal info. Well, of course it does because they used my personal information to open the account. They also stated in the letter that the email address I contacted them from ( XXXX ) matches their records, which is indeed a blatant XXXX because I obtained that email address in XXXX and this account was opened in XXXX.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-11
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Tally Technologies (NY)

Tally, a credit card debt management company, closed its doors in XX/XX/year> due to a lack of funding. The company 's founder and CEO, XXXX XXXX, said in a XXXX post that the decision was " difficult and sad '' and " not the outcome we had hoped for '' Tally was helping me pay down my credit card debt but they closed unexpectedly and they told us that we would keep the same low interest rates to pay down our debt. They switched the payment plan over to XXXX gave us a generic website to login to and start paying the debt and they raised my interest rate from XXXX to XXXX! How is this helping us? 
They did not even gave us a grace period. 
They would not let me transfer the funds to a 0 % APR card https : XXXX XXXX is their information. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX My letter from TALLY said that I was going to have a fixed APR but it increased to XXXX!!! That is impossible to pay down. 
This is horrible customer service and no one will give me a straight answer.
Consumer complaint received 2024-04-28
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. (AZ)

I am writing to address XXXX XXXX XXXX, where I was enrolled until its unfortunate closure. Due to this unforeseen circumstance, I am entitled by law to receive a refund for any outstanding fees or loans associated with my education at the institution. 

Furthermore, I kindly request that my loan information on my consumer report be promptly updated to reflect that it has been paid in full. This adjustment is crucial for maintaining the accuracy of my financial records and ensuring that my credit history remains unaffected by the closure of the college. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to update my loan information accordingly. If you require any additional documentation or information from my end, please do not hesitate to reach out.
Consumer complaint received 2024-09-11
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. (MS)

I have sent in disputes to be investigated from all 3 of the credit bureaus transunion, XXXX, and XXXX. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-28
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: Experian Information Solutions Inc. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-08-24
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. (MI)

I am writing to DISPUTE the following portfolios that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, adequate adhering of Federal and state reporting laws and or appropriateness in your docile adhering to the mandatorily applied credit reporting industrys rites namely the XXXX own XXXXdetailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions oflegit summaries of derogatoriness that possibly can else better ensure integrity of blasphemies made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably obedient reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are competent to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (IL)

I am a Victim of identity theft. There are many inaccuracies on my consumer reports as by way of fraud. From inquiries to collections and anything marked as missed payment or delinquent is inaccurate information being willingly offered as accurate on my consumer reports!
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

Company repeatedly calls regarding an unknown debt. Refuses to provide any basic information without me providing my personal information. Resorts to pushy tactics to try and get me to provide personal information. When attempting to provide mailing address for communications, company indicated it would not speak to me without me providing my personal information ( birthday, etc ). They indicated I should have received a letter but no such letter was received. Company is trying to collect a debt I do not know about and do not have. 

The phone number calling is XXXX and listed as XXXX XXXX.
Consumer complaint received 2024-04-28
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: Experian Information Solutions Inc. (PA)

Good day, agent. I heard back from Experian, XXXX and XXXX as they have finished their reinvestigations. ALL THREE verified my account as accurate with some modifications they made. I am in total disagreement with these finding. This account CAN NOT be verified as accurate if all three conducted " accurate verifed '' results that do not match one another. It's so bad that Experian 's reinvestigation changed my charge off date to XX/XX/XXXX, which is the date I paid off the charge off, the other XXXX bureaus reported charge off XXXX not XXXX, mismatching info! Again reporting my account inaccurately and hurting my consumer report. XXXX has my first delinquency reported as XX/XX/XXXX, the other XXXX says it's XX/XX/XXXX ( which is odd because XXXX also has my account closed as of XX/XX/XXXX which contradicts them saying my account was open and ok until XX/XX/XXXX ). Mismatching and contradicting info! Date opened info is inaccurate among them XXXX, as well as : Date last paid, date last active, highest credit balance and XXXX reporting me as Derogatory when TU & Exp has as paid. All mismatching information. I provided updated documents to verify this, as my updated, supposed, " accurately verified '' consumer reports is not accurate nor verified. 

You all truly failed to reinvestigate this account properly and your utter neglect has violated my rights! I am requesting all the information and data the bureaus gathered to " verify '' my account. I also want an updated consumer report as well. I demand this account to be completely removed from my consumer report. For years this inaccurate reporting has caused my family and I to lose out on thousands upon thousands, missed opportunities and lowering my quality of life!

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item from my report, immediately : XXXX XXXX. Thank you, take care.
Consumer complaint received 2024-04-28
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: Experian Information Solutions Inc. (TX)

I've noticed some unfamiliar entries on my credit report, suggesting possible identity theft, as I did not authorize these accounts. This issue has caused me significant stress, as these entries do not accurately reflect my financial history or how I manage my money. I've raised this concern previously, and I'm now urgently requesting the removal of these accounts from my report. If this matter isn't resolved promptly, I'm prepared to pursue legal action to safeguard my rights and seek a resolution. These erroneous entries are hindering my ability to achieve important financial milestones, such as purchasing a home and providing for my family. I sincerely hope we can address this matter expeditiously.
Consumer complaint received 2018-04-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX, I opened a home loan with Bank of America, which reported on my credit report back in XXXX. In XXXX, Bank of American transferred the loan to XXXX XXXX. Somewhere along the line, my XXXX mortgage was deleted from my credit reports. There is no record of me ever having a new home loan with Bank of America in XXXX. This inaccuracy affects my credit score and home purchasing power. It also prevents me from renting because I have no record of payment history.
Consumer complaint received 2024-04-28
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)

XXXX XXXX XXXX. Account XXXX. Date Opened XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). Account XXXX. Date Opened XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX. Date Opened XX/XX/2023. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. These accounts are not accurate. Attachments will show the various inconsistencies circled in red.
Consumer complaint received 2024-04-28
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that your Crediting Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX
Consumer complaint received 2024-04-28
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: Experian Information Solutions Inc. (KS)

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 EXPERIAN.COM 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 2023-12-24
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. (PA)

Unrecognized Hard XXXX  listed below : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX  Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Dealers, New XX/XX/XXXX XXXX
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I called JpMorgan bank to request a day of when my funds would be sent out to me. They lady told me no date. Just that they are trying to reach somebody else. it's already been over 45 days of my account closing. After 90 days I'll have no option but to take JpMorgan to court.