davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 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 2023-12-28
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX
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: Experian Information Solutions Inc. (PA)

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 was 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've attached a copy of my report to this complaint on the following date XX/XX/year> I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-28
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. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-28
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. (FL)

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 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 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made
Consumer complaint received 2023-12-28
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. (MO)

XXXX  just looked over a copy  of XXXX XXXX report. It said that the XXXX  inquiries mentioned below were the source of the XXXX  inquiry. But I did not authorize these XXXX. As these XXXX  are negatively impacting XXXX  ability to obtain XXXX  and apply for XXXX, kindly have them erased from XXXX XXXX report. Additionally, send XXXX  XXXX supporting XXXX  you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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: Self Financial Inc. (TX)

I reviewed my Consumer Reports and noticed that I had several late payments that I was never late for. Consumer Reporting Agencies have assumed a vital responsibility to report Consumer information to the best of their ability and as accurate as possible. I have never been late. In accordance with the Fair Credit Reporting XXXX Acct # XXXX and XXXX XXXX, XXXX violated my rights. 15USC 1681 Section 602 states that I have the right to privacy. 15USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. The credit bureaus stated my account was properly investigated within 30 days and how is that possible when all the dates reporting is inactive, the date of last activity is inaccurate, it has has never been verified.
Consumer complaint received 2023-12-28
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. (OH)

XXXX XXXX XXXX deceptively never made me aware of the option to opt out of them reporting to my EXPERIAN credit report. A charge-off is a certificate of indebtedness which means it's income and must be removed, since it's illegal to report transaction history. I am now opting out as a federally protected consumer per 15 usc 6802 and 16 CFR XXXX and XXXX in which I was never given a notice.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demand.
Consumer complaint received 2024-06-05
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: FlexShopper, Inc (SC)

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$18000.00} do not have a file with this company XXXX XXXX XXXX XXXX  XX/XX/XXXX {$10000.00} ll do not have a file with this company XXXX XXXX XXXX XX/XX/XXXX {$480.00} do not have or know who this company is flexshopper incc XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX  XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX & XXXX XXXX XX/XX/XXXX inquire that i dont know XXXX XXXX XX/XX/XXXX XXXX been paid off XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX paid off this credit file has a freeze active and fraud aleart as well so how is this file getting new inquires while a freeze and fraud aleaert are active.
Consumer complaint received 2023-12-28
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$43000.00}
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I asked LVNV FUNDING LLC to supply The date the account was opened The amount of the debt ; Please provide the last date of payment Please provide the orignal account number. 
Proof that you are licensed to collect debts in XXXX  Proof that the statue of limitation has not been reached Proof that they bought or own the debt which they say I owe Please provide an itemized statement showing full history of the account
Consumer complaint received 2023-12-28
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-05
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: Mr. Cooper Group Inc. (CA)

My credit report is showing late payments to NSTAR/COOPER XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NSTAR/COOPER 's customer service representative XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AR)

I opened a checking account with Citibank on XX/XX/year>. I had no issues up till I tried to put a down payment for {$1500.00} on a vehicle with my debit card on XX/XX/year>. On XX/XX/year> Citibank restricted my checking account due to fraudulent activity I was unable to login or access the funds in the account. I was told by Citibanks security department I would receive a letter in the mail containing a reference code i could give them to gain access to my account. The security department team told me it would take 7-14 business days for me to receive the letter. Two weeks go by and I still have not received said letter. I tried calling and informing Citibank I have not received anything in the mail. All they kept saying is I had to wait for the letter that contained the reference code. I finally talked with a supervisor and he gave me another option to verify who I was. I gave them all information they needed and was told they would email it in to the higher ups, that I would hear back the next day. I never received a call or heard from anyone. I called back to Citibank security team and was told my account was in the process of being closed. It is now XX/XX/year> and have never received anything in the mail or never received a reason on why Citibank is closing my checking account. Everyone I have spoken to is very vague and never has a clear answer to why my account is being closed. I was told it takes XXXX days from the day they restricted my account which was XX/XX/year> to officially close my checking account. I have over {$1200.00} in that account that I have no access to and Citibank is withholding my funds. No one in the customer service department or security department seems to care they are keeping my funds from me. I was told they would be mailing an official check with the funds that are in the account at the time of closing and that would take 30-60 days from when the account was deemed officially closed. I have heard of many people going through the same issue with Citibank. This is not okay. Citibank needs to be looked into and they need to be shut down. It is my money they are not letting me have access to, not their money. I highly recommend anyone who is looking to open an account with Citibank to stay away and look elsewhere for their banking needs.
Consumer complaint received 2023-12-28
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. (IL)

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/23 I wrote to TransUnion to check into some accounts for accuracy. Not only did I never receive a response back, however, the child support account I was disputing remains on my credit report. Please re investigate my dispute from XX/XX/23 and remove XXXX as child support should no longer be reporting. Please also reinvestigate all other accounts listed on the dispute as I don't believe an investigation was ever done, I understand mistakes happen and things get overlooked especially with such a large company like yours. I appreciate your help with this matter.
Consumer complaint received 2023-08-30
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. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DC)

Venmo closed my account with them permanently and refused to provide a reason. I offered to give them any information they require but they went silent only repeating the same message as quoted below. I have also been on the phone with their customer service but they were vague and refused to explain why they closed my account. In addition, they are holding my {$430.00} for 180 days. Please assist. Thanks " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hello, Thank you for contacting us. 
After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 
If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 
Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 
Thank you for your understanding. 
Team Venmo ''
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX, I have sent XXXX  XXXX  asking Experian to remove the XXXX  name from XXXX XXXX report, the other XXXX agencies ( XXXX and XXXX ) have removed the name. 

Also to remove the previous address which is incorrect. On XX/XX/XXXX I was not living at the XXXX  address, Experian and XXXX have this information incorrect. 

XXXX XXXX  asking Experian and XXXX to correct XXXX XXXX information to reflect what XXXX is reporting, which is correct.
Consumer complaint received 2023-12-28
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. (CA)

Furnishing private information without my consent.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumer 's right to privacy '' XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801.

The Consumer reporting agencies  XXXX, Experian, and XXXX do not have my consent to furnish the information detailed in attachment, and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

Under GLBA Consumer reporting agencies are by definition " A Financial institution, '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third  party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by ( Consumer Reporting agencies ) XXXX, Experian, and XXXX. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' All information unauthorized is considered inaccurate, incomplete, or unverifiable by definition.

I am opting out of the ( Red Lined private information shared without my consent [ see attachments ] ).

I am also requesting that any and all future information be approved before sharing publicly via email e-signature confirmation.