davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 don't 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint due to inaccurate information reported by Equifax on multiple accounts, specifically regarding the " Date of Last Activity, '' " Date of Last Payment, '' and " Date Last Reported '' for the following accounts. These discrepancies negatively impact my credit report and differ from the information provided by other credit reporting agencies ( XXXX and XXXX ). Despite my efforts to address these inaccuracies with Equifax, the errors remain unresolved. 

The accounts in question are : XXXX XXXX ( Account number ending in XXXX ) Inaccuracies : Date of last activity, date of last payment, and date last reported differ from those reported by other credit bureaus. 

XXXX ( Account number ending in XXXX ) Inaccuracies : Date of last activity, date of last payment, and date last reported do not match with other bureaus. 

CAPITAL XXXX ( Account number ending in XXXX ) Inaccuracies : The date of last activity, date of last payment, and date last reported are inconsistent compared to other credit reporting agencies. 

XXXX ( Account number ending in XXXX ) Inaccuracies : The date of last activity, date of last payment, and date last reported are inaccurate and differ from reports provided by other credit bureaus.
Consumer complaint received 2024-05-05
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. (FL)

Recently did another investigation my credit reports and found several items to be inaccurate and not properly investigated by the credit bureaus. They claim letters are sent by credit repair companies and refuse to report accurate information.

Under 15 U.S. Code 1681e ( b ) Accuracy of report 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.

Under 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 furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove & correct the following from my credit reports : XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
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: OneMain Finance Corporation (TX)

I went to go check my credit report and seen thees inquiries that are unknown unverified and requested them to be removed. the collectors are stating that they are verified section 609 I am requesting to see the proof of the verification. The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Consumer complaint received 2024-05-05
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. (NY)

Dear Experian, I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing Convergent Account Names and Numbers, XXXX XXXX XXXX # XXXX .... and XXXX ...., as listed on my credit report. As a consumer protected under this legislation, I am exercising my rights to privacy and accuracy of credit reporting. 

Under Section 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy and fair treatment regarding the information contained in my credit report. Furthermore, Section 15 U.S.C. 1681, Section 604 ( A ), Subsection 2, mandates that consumer reporting agencies, such as XXXX, can not furnish information without written instructions from the consumer. 

I am formally requesting that EXPERIAN conduct a thorough investigation into the accuracy and validity of the aforementioned item on my credit report. Per the provisions of the FCRA, any information that can not be verified by the creditor must be promptly removed from my report. 

Please note that under 15 U.S.C. Sec. 1681i ( a ), Experian is required to complete this reinvestigation within 30 days of receiving this dispute letter. Additionally, I request that an updated copy of my credit report be sent to the address provided above, free of charge, as stipulated by the FCRA. 

Furthermore, I kindly ask that Experian notifies any parties who have received my credit report within the past six months of any corrections made as a result of this dispute. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and diligence in ensuring the accuracy and integrity of my credit report.
Consumer complaint received 2024-07-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I made a purchase at my local LOWE 'S XX/XX/year>. The amount allowed me to take advantage of zero percent financing for two years. After I received my third bill, for XXXX, I noticed a charge for {$1.00} with no explanation why. I called the credit card company and was told letters were sent out in XXXX XXXX XXXX saying they would charge {$1.00} for receiving paper bills. I never received that letter. I was then told by not only the 1st person I spoke with, but her supervisor as well told me the only way to remove that {$1.00} was to sign up for paper-less billing. I would rather receive paper bills but don't think I should have to pay for them.
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. (MD)

I reviewed my Consumer Reports and noticed that three late agencies had taken on a role and had a responsible report. Information to the consumer to the best of its ability with maximum precision. I am not late in the account payments : XXXX  XXXX XXXX : XXXX, Investigate and provide evidence with statements showing that these payments are late. If proof can not be provided, I demand that these payments be updated in time as they should be. Thank you.
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX, I received an email from a collection agency : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Toll Free : ( XXXX ) XXXX They claimed my name was : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX The amount they were trying to collect was owed to Ohio XXXX was an XXXX XXXX bill of {$1900.00} as of XX/XX/XXXX. 
The email also stated if I didn't respond by XX/XX/XXXX they would assume their information is correct and they would start the collection process. 

I have lived at my current address since XXXX : XXXX XXXX XXXX XXXX 
XXXX, TX XXXX I did live in Ohio from XXXX till XXXX but never in XXXX OH or an XXXX. 

Somehow they picked my email and claimed I am XXXX XXXX. 

I called and informed them the I wasn't the one they were looking for.
Consumer complaint received 2023-12-09
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. (MD)

My complaint is about Equifax reporting a fraudulent inquiry on my consumer file from XXXX. I have supplied an FTC report, Identification, Social Security card and my personal bank statement. There were two separate inquiries on my consumer file and Equifax has deleted on but refused to delete the inquiry from XX/XX/2023. I have called in multiple times regarding this issue. One representative gave me this reference number and told me that the inquire would be removed XXXX. The next representative gave me this reference number XXXX. This representative said the same that and I explained that I've received two letters from Equifax stating the inquiries were removed but yet the one inquiry is still on my consumer file. The said I see that the inquiry was removed but there must be a glitch in the system. I'm provided the two letters sent to me from Equifax as proof.
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-05
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. (MD)

On XX/XX/XXXX I submitted a complaint and the law states that there is a max 45 days to have a response to this complaint. I have yet to hear back regarding the complaint from Experian, so I assume that my complaint is indeed accurate and demand these fraudulent inquiries be deleted. 
Complaint Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-05
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
DISCOVERBANK 601100****** Balance : {$0.00} XXXX  XXXX  XX/XX/2024XXXX  XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX  XX/XX/2024XX/XX/year>
Consumer complaint received 2024-05-05
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: Experian Information Solutions Inc. (UT)

Experian will not reinvestigate a dispute with creditor : XXXX after they accepted a false and misrepresentation of facts from XXXX verifying accounts due to identity theft.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My information was sold bought illegally because I was a victim of the equifax data breach I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports including hard inquiries no never approved and multiple negative items and unknown address
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

Received a phone call today ( XXXX ) that I would be served for a credit card debt of approximentaly {$2100.00} For XXXX XXXX XXXX XXXX from XXXX. 

I have not received any notification of this by mail nor has it showed on my credit report and this debt is XXXX XXXX XXXX.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

My main bank account, XXXX XXXX was frozen so I opened a new TD account online. I deposited a check and received a XXXX transfer from the same person, my Aunt. My account was open and functional for about a week. TD then froze my account, claimed the check was fraudulent and my account is now " blocked '' and I have no access to the funds in the account, totaling about {$4000.00}. There is NO HOLD ON THIS CHECK from XXXX  XXXX XXXX. Unfortunately my aunt passed away before knowing this happened. I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her POD. I am the POD for my aunt 's XXXX  XXXX XXXX account. TD requested a notarized letter from XXXX  XXXX XXXX. Because my aunt is now deceased, this process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks if not longer due to probate court. I now have no access to any of my funds and I am struggling.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I opened an account with ALLY BANK during the 1 % match XXXX XX/XX/XXXX. Transferred {$30000.00} from XXXX and {$31000.00} from XXXX XXXX. Email from ALLY states XXXX transfers has failed and money should go back to external accounts. The missing money is still gone. Its been over a month now and still no money at external accounts or at ALLY BANK. Multiple calls to ALLY customer service stating that the money was sent back to external account and each time they tell me i have to do a dispute process with the external banks. Multiple hours wasted talking to external accounts, all they see is that the money got transferred to ALLY and left their ledger. Disputes were filed and XXXX as of XX/XX/XXXX with a XXXX way call with ally states from their investigation that money should still be at ALLY bank. ALLY states that Incomplete transaction disputes are the only way to get my money back. Multiple rounds of back and forth but no one knows where the money is. I must have spent over 7 hours on the phone with these banks. Who can i contact to straighten this out? attached is ally reference # XXXX and XXXX.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NORTHWEST BANCSHARES INC (PA)

Commencing on or about XXXX XXXX, 2023, I fell victim to XXXX multi-layered scam operations run by group of scammers, which involved me making deposits for a total amount of XXXX USD from my Northwest Bank account to fraudulent investment firm ( s ).
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. (NY)

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX Reasons : I would like to be provided proof that I CONSENTED to here accounts via FCRA Section 623 as the accuracy of this inquiry. If you have no proof of any or one, I would like it removed immediately.

By provisions of he Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my credit report. It is my understanding that you will recheck these items with the creditors who posted them. Please send an updated copy of my credit report to the above address immediately.

Remove Collection accounts from my credit report due to violation of 15 USC 1681i ( 5 ) ( B ).
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

On XX/XX/2024 a charge at PNC bank posted for {$36.00} at XXXX grocery, disputed it but was refused a temporary credit, result of no wrong doing mailed.. asked for documents and the customer service person asking as if not understanding the request hung up on me dispute reference # XXXX
Consumer complaint received 2024-06-01
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. (FL)

The 3 mayor Credit Reporting agencies ( XXXX  ) ( transunion ) and ( XXXX  ) keep reporting this time-barred account which i believe it unlawful.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

Recently, I sent a certified letter/affidavit with a notarized signature to Experian regarding a public record that has not been validated. Despite this, Experian has continued to violate the Fair Credit Reporting Act ( FCRA ) by failing to provide proper validation and has ignored my previous communication.
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. (NY)

( XXXX XXXX XXXX XXXX XXXX  : XXXX / XXXX Reason : I would like to be provided proof that I consented to these accounts via FCRA Section 623 as the accuracy of this inquiry. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my credit report. It is my understanding that you will recheck these items with the creditors who posted them. Please send an updated copy of my credit report to the above address.

Remove Collection account ( s ) from my report due to violation of 15 USC XXXX ( XXXX ) ( B ).
Consumer complaint received 2023-09-18
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: Affirm Holdings, Inc (GA)

I am writing to dispute the following information that your company supplied to XXXX. I have highlighted the items that I am disputing on the attached copy of my credit report. 
These items, XXXX XXXX with a delinquent balance {$2000.00} and XXXX with and original balance of {$250.00}, is inaccurate because I never opened these accounts. I have filed a police report with the XXXX XXXX XXXX Sherriffs Office and an identity theft report with the Federal Trade Commission, please see the attached reports. I am requesting that Affirm remove these accounts. 
In addition to these accounts Affirm has sold two accounts to XXXX XXXX XXXX, XXXX for {$890.00} and XXXX for {$370.00}. I can not determine if these are the same as the above two accounts, but these are also inaccurate as I have never opened any account with Affirm. I am requesting that Affirm contact XXXX XXXX XXXX to have these accounts removed. 
I have enclosed a copy of the relevant pages of my credit report, my initial contacts from XXXX  with Affirm, the XXXX XXXX XXXX Sherriffs Office report, and the identity theft report from the Federal Trade Commission supporting my request. Please reinvestigate this matter and contact all three credit bureaus to have them delete the disputed items. 
Please be aware that I am currently XXXX XXXX  until the end of 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. (CA)

DEBT WILL NOT BE PAYED MEDICALLY UNABLE. 1099C REQEUSTED AND NO REPLY 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX