davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (MI)

On XXXX XXXX. I received 3 credit alerts from XXXX, XXXX, and XXXX that I took out a loan on XX/XX/2024 for {$1000.00} at XXXX XXXX This debt was was sent to a collection agency National Credit Adjusters. 
I have NEVER taken out a loan to this company, nor do I use Any payday loans. This debt isnt NOT mine. I called NCA yesterday their office was closed. This is VERY alarming that XXXX XXXX would send information to NCA without doing their Due-Diligence by making sure all Information was correct. Both companies have VIOLATED the Truth In Lending Act, And please explain how a 3rd Party collection agency can report to the Credit Bureau. Consumers has 30 days to dispute the debt and be provided proof that the debt is valid.. 

That CLEARLY didnt happen! That is Clear Violation of FDCPA, and FRCA Especially when you have the WRONG person, and affecting someone Credit Score. To add insult to injury Im going through a background check for a higher job Clearance. This could totally DERAIL my ability to get that position. So I have to Waste my Time to get this all straightened out. And let my employer know. Because Both of these companies have been negligent. If this details my career in Anyway I will be seeking legal advice in terms of a Civil suit. Im trusting this matter will be handled expeditiously!
Consumer complaint received 2023-08-26
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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. (IL)

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 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On numerous occasions I contacted Experian Credit Bureau about why it is a negative account attached to my consumer report. I was given a phone number to contact the original creditor so I can get this off my consumer report. This information is report inaccurate on my Experian Consumer report and I would like it removed immediately. I am going to attach both my XXXX and XXXX XXXX report to show that I don't have any negative accounts. I am being violated by consumer law 15 US Code 1681 s 2.

Please help me with this problem.
Consumer complaint received 2023-08-26
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$360.00} ; DEPTEDXXXX XXXX Balance Owed : {$280.00}.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (VI)

Notice : Banco Popular XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I consumer have issues with the bank above. On the following description dates below. Here is the items, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I consumer discovered Fraudulent Activities on my Checking and Saving Account. Banco Popular Bank Failed and Refused to Disbursed my Funds for Payment to all my monthly merchants Account. It caused me the consumer high charges and late fees. I consumer tried to Resolved dispute with bank above. They Failed and Refused to work a Relationship with me the consumer. Notice it caused me Financial Reputation the bank informed and instructed to others companies that i consumer do not have funds in my Account which I do by a volume of deposit slips to show. Debit Cards was deliver out in my name without my Consent and I am a Senior, Victim of Identity Theft and ABUSIVE.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 : Child Support Enforcement # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-08-25
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: OPORTUN FINANCIAL CORPORATION (CA)

I have hard inquiry from OPORTUNXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Somebody trying to applied personal loan under my name. But I never applied in any loan yet, So i also received email from XXXX regarding data breach. Can you please help me that inquiry in that credit report. I don't authorize it. Thanks
Consumer complaint received 2023-08-26
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. (CA)

XXXX HAD allowed Ctedit Companies to run my credit Report Causing a Hard Inquirie and affecting my credit report and And they also are a Company who I had send my Legal Documents and proof arguing for the OPORTUN account with inaccurate information contained within my personal information contained, it's wrong, name, address, they only have XXXX XXXX, they are not providing any other identification or job, or any other sources of proof to identify my self as a responsible owner of the account.! 


XXXX AND EQUIFAX ARE ILigaly Using their power to mess up the POOR PEOLPLE LIKE ME... Trying to make a decent life and wrongful acting as a XXXX, helping a Credit Company they get benefits daily, promoting their credit cards and getting commission, I get credit offers by 26 % or 36 % for credit or a loan. Just a sample I a get a card loan at a rate of 16 % for the amount of {$13000.00} dollars monthly the Loan company will get about {$240.00} on interest for a person like trying to build my credit after been " mess his identify '' so on that loan XXXX XXXX will get a percentage, for XXXX is no good to verify and fix the wrong information. 

Please CONSUMER FINANCIAL PROTECTION BAREAU REVIEW THE DOCUMENT. I JUST DONT UNDERSTAND IF " EQUIFAX XXXX WITH the same Documents I provided to, XXXX, XXXX and EQUIFAX XXXX .only EQUIFAX HAD FIX THE INACCURATE INFORMATION AGAINS ME. 

Equifax, XXXX, and XXXX had even allowed car dealership companies to run my credit 2 times a day. It's Terrible seem this companies allowing This kind of inappropriate, inaccurate information.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PLS GROUP, INC (TX)

XX/XX/XXXX  at approximately XXXX XXXX  I went to PLS check in cashing to cash my {$5200.00} backpay check and the supervisor held my check for over an hour asking me why did the government give me this check for XXXX after I cash the check with them for XXXX and I let him know that this is my backpay From my XXXX which Ive been diagnosed with XXXX  so he told me to show him proof of the government sending this check to me which was kind of odd because he didnt ask me this when I cashed the {$600.00} check a week before so I asked him why do I have to show proof And he said why would they send you a check for XXXX a week ago and now theyre sending you a check for over XXXX I felt that to be odd too because that is my personal business so he told me that the only way that they would cash the check is if I can show proof that the government sent me the check or show paperwork of my dependents on why Im getting this check so I pulled up my Social Security account and showed him that Social Security sent me this check for the amount thats on the check he looked at it made a phone call took my check to the back and came back and said that his bank is denying me from cashing the check which was crazy because its a government check. This is what PLS do they cash government checks so at this time Im feeling that hes discriminating me and thinking that the check is fraud so I asked them to give me the corporate number so I can complain about the situation which I did and I told corporate that I was going to try another PLS and round the way so I went to a different PLS to cash the check The PLS clerk at this location was finna cash the check until the supervisor came behind her and took the check and said hold on And took my check to the back again and said that they were calling the bank but she didnt. She called her district manager so the district manager gets on the phone with me and asked me, why are they giving me a check for XXXX once again I let her know that this is a check from backpay from Social Security. She said OK the lady walked to the back they come back up to me and told me that the bank would not cash my check and Im trying to find out why other than that Im taking this as XXXX profiling by banking or discrimination, so can you guys please help me out with the situation?
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Around maybe two months ago I opened an account with USAA and deposited my first check. Waited the usual 7 business days and got kicked out of my account. Called them about it they said theyre exercising their right not to do business with me and told me I would get a check in the mail in 60 days. So I waited, nothing came so I called back. Except they told me the same thing and there was no check being sent and refused to give me any information. So I let it go then I get an email a few weeks later about the account, so I called. They told me theyre was some information missing and since I turnt XXXX recently they asked me to send in my id so I did. And they told me to wait so I did. Then I called again they had me send it in again I called again and now theyre saying they cant verify me bc my number is changed, yet I have the same email and have gotten codes sent to my email on multiple occasions. Tbh at this point Im giving up, that was my first pay check from XXXX and it was only a measly {$280.00} I just wanted my money back. But hopefully this review will keep some from making the mistake I did by not banking with USAA.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VI)

My problem is with a Experian who continue to report false information on my credit report which cause me to be denied a loan to purchase a home for me and my family. I have written to Experian many times and they continue to do business as usual with out doing the proper investigation to prove 5hat 5he account bel9ngs to me. They obviously have no proof so they do what is easiest and write on a piece of paper verified while I am almost homeless. I am asking Experian to please delete all my information from 5heir computer data base and stop immediately from giving anyone false information about me. The derogatory information they are reporting is not mine so they must delete them. XXXX, XXXX, and XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-05
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)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX
Consumer complaint received 2023-09-17
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. (VA)

I've been trying to dispute a collection in my Experian credit report, which should not appear in my report. The collection is for XXXX of XXXX XXXX, and the alleged debt occurred during the pandemic. I submitted XXXX claims, and every single time, they would state that the record was updated, but no changes to report were made. 

The claims are the following : Claim 1 : Report number : XXXX, Investigation ID 01, Date opened : XX/XX/2023 Claim 2 : Report number : XXXX, Investigation ID 01, Date opened : XX/XX/2023 Claim XXXX : Report number : XXXX, Investigation ID N/A, Date opened : XX/XX/2023 On the week of XX/XX/XXXX I sent a letter requesting the method of verification for the claims above. A claim was opened to address my method of verification request on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received any response on how they verified the validity of the item in my credit report. 

On XX/XX/2023, I received an email from Experian stating their verification process and that they will look at all relevant documents to make decision. That emails does not meet the requirements under FCRA 616. They are willfully non-complying to the letter of the law, and this is affecting my financial health and my opportunity to get loans with the interest that I deserve. 

I will sending them a letter on Monday XX/XX/XXXX, to request the item removed from my credit report or I will proceed with a lawsuit.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2023-11-06
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. (AZ)

To Whom It May Concern, This is my Third written request for Method of Verification.

Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information.

You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX  Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Account Number : XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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.