davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I sent notarized documentation to XXXX XXXX XXXX XXXX XXXX to include a Notice of Dispute and a copy of my state drivers license as proof of identity. The drivers license has my signature on the front of the identification. I requested certified accounting documentation from XXXX XXXX XXXX XXXX XXXX in response to a recent credit report. XXXX XXXX XXXX XXXX XXXX states the account was allegedly charged off but charged offs are considered general income by Internal Revenue Services, but the information is still being reported which is inaccurate. Experian, XXXX, and XXXX all state they do not report income. This information is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX has failed to investigate my inquiry but somehow the information has come back verified and accurate according to Experian, XXXX, and XXXX. The letter I received is proof of deceptive practice and failure to investigate a dispute claim by consumer. I have requested to opt out of this account being reported to my Consumer reports until I receive certified documentation that the account has been charged off by IRS standards. 
12 CFR 1016.1 gives me the right to opt-out of the sharing of my nonpublic personal information and I want to exercise my right immediately. Also, 15 U.S. Code 6802 supports my rights to opt out of non-public personal information. 
Accordingly, XXXX XXXX XXXX XXXX XXXX, Experian, XXXX, and XXXX have failed to adhere to the following federal laws and regulations : 15 United States Code 1681e ( b ) 15 U.S. Code 1681c ( a ) ( 4 ) 15 U.S. Code 1681c ( a ) ( 5 ) 15 United States Code 1681a ( d ) ( 2 ) ( A ) ( i )
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The bank sent me a letter on XX/XX/XXXX freezing my account due to closure, saying that if there were available balances in the account at the time of closure they would be returned to my postal address. When I waited and the check with my money did not arrive I went to to the bank but they never gave me a response about my check, I called many times and they only told me that they closed my account on XX/XX/XXXX, I was waiting and they insisted that my check with the money that was left in my account at the time of closure, it had been sent but it was returned and retained by the holding department, I tried to go to the bank on many occasions with no response, I called many times and they only gave you wrong answers like I should go to the bank and I go to the bank and they don't give me answers, it is the Bank Of America bank
Consumer complaint received 2024-01-30
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-15
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
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)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$120.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Consumer complaint received 2024-01-30
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. (AL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-08-15
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. (NV)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-08-15
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. (NV)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-08-15
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-15
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-15
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. (NY)

Im writing to express my concerns about a few issues I've encountered with the credit bureau. These issues include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. I need assistance in resolving these matters to ensure my financial security.
Consumer complaint received 2024-01-30
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. (MI)

I am writing you as the Beneficial Owner of the reporting account, chose-in-action with you as the National CRA and reporting unlawfully converted chose-in-action accounts with the data furnishers, each associated with my social security administration card number, you are the resulting trustee based on the maxim a trust will not fail for want of a trustee. Meaning you are the trustee by default without the need of a formal appointment. As fiduciary, I am witnessing you aiding, abetting racketeer-influenced corrupt organization data furnishers involved in involuntary servitude, peonage, and debt bondage with unfair and deceptive trade practices in violation of the 2022 National Defense Authorization Act. CRAs, like many organizations with user, terms of use, account, and any other public-facing agreements, are crafted and executed by the unauthorized practice of law by a corporation or trust as a systemic-wide custom. 

As fiduciary, you have not held up to the duty of loyalty, prudence, and disclosure. 

Currently, there is a breach of good faith and fair dealings with your implied agreement for the use of my personal private information, a breach of trust, a breach of fiduciary duty, and a conflict of interest between you as fiduciary and myself as the beneficial owner of the account. The estate nor beneficial owner of the reporting account benefits from your adverse reporting of any detail, other than paid as agreed or paid-in-full in the revenue-generating reports sold to members and subscription holders known as data furnishers. 


12 CFR 1022.142 - Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. Failure to block/remove specific adverse information such as payment status is a violation of the FCRA Section 605C.
Consumer complaint received 2024-01-30
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. (GA)

I have tried time and time again to get these reporting agencies/ and the furnishers said inaccurate information to investigate and remove the these accounts being furnished in my credit report.
Consumer complaint received 2024-08-15
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. (NV)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to express my dissatisfaction with the results of my initial dispute and request for the removal of charge-off accounts from my credit report. Despite my previous efforts and the passage of a reasonable amount of time, these accounts remain on my credit report, negatively impacting my creditworthiness and financial well-being. As a result, I am filing a formal complaint and requesting that the credit reporting agency takes further action to rectify this matter. 

I initially disputed these accounts, providing comprehensive documentation that supports my claim that these accounts were inaccurately reported. Despite my efforts and the legal requirement for accurate and fair credit reporting, these accounts have not been corrected or removed from my credit report. 

I would like to highlight that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. It is now well beyond this timeframe, and the presence of these charge-off accounts continues to damage my credit standing. Furthermore, I have received no communication from your agency regarding the results of the investigation or any actions taken to resolve the matter. 

In light of the situation, I kindly request that you take the following actions : Conduct a thorough and timely investigation into the accuracy of these charge-off accounts, adhering to the guidelines set forth by the FCRA. 

Provide a detailed response outlining the results of your investigation, including any actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the disputed charge-off accounts from my credit report promptly, as required by law, if they are found to be inaccurate or unverifiable. 

Send me a written report of the results of your investigation, a copy of my updated credit report showing the removal of these accounts, and a written explanation for any accounts that were not corrected or removed. 

I understand that accurate credit reporting is crucial for maintaining my financial stability and obtaining essential services. I expect that you will take my complaint seriously and resolve this matter promptly to ensure fair and accurate reporting of my credit information. 

Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. Failure to do so may compel me to take further action, including seeking legal remedies to address this issue. I am asking for your assistance to remove these charge off accounts : XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX  XXXX Balance : {$520.00}.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (PA)

I noticed that my bank account was less than it should be. I contacted my bank and they stated that there was a writ of execution on there! They provided me with the company contact information so I called. They said that there was a judgement against me back in XX/XX/2013. I asked if there were other options for payment and the woman said NO, we will not release the funds. I again asked if there were other options for payment. She again said No. I reminded her that this judgement was from XX/XX/2013 and she said it doesnt matter we have so long to collect and we will not be releasing the funds! I was never notified and they would not offer any alternative methods of payment then the one lump sum they were holding!
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$83000.00}
Consumer complaint received 2024-08-15
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX