davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (TX)

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Included in Bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-14
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. (GA)

I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with XXXX that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my report.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-09
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)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
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. (VA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report.

Please find the attached documents to assist in the removing of the erroneous information currently on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX  XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-31
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. (MS)

( XXXX ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public confidence, which is crucial to the banking system 's ability to continue operating, and inaccurate credit reports directly affect the effectiveness of the banking system.

Therefore, the effectiveness of the banking system is harmed anytime there is a breach of the FCRA. Since I have discretion over what is and is not listed, this is a violation of my privacy with regard to my consumer report. If any accounts are reported without my express written authorization, identity theft will have occurred.

This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681n, which allows for {$1000.00} per violation for accounts listed without my express written agreement, this opens the door to civil action against the credit reporting organization for careless and willful noncompliance.
Consumer complaint received 2024-05-31
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. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2024-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MA)

I had a sally mae loan, customer ID # XXXX. I was paying the loan. I XXXX XXXX XXXX because the XXXX XXXX XXXX  for closed because of a XXXX ; XXXX XXXX. They are still closed after 2 years. I asked for a forbearance, temporarily or lowered payments but was denied. I began making payments on my credit card. It added up quickly at 28 % interest. This was nuts I thought and stopped after many payments. I called the ombudsman who informed me that {$20000.00} was given to a collection agency. And shortly after this all of my loans were forgiven. I think the loan agency knew my loans would be forgiven because I'd been paying student loans since XXXX ( XXXX years ) and qualified for forgiveness. 
XXXX XXXX bought my loans and I was paying them. Debt # XXXX. Then XXXX XXXX sold my loan to another agency XXXX. I called XXXX and complained that I think this is an illegal debt and I want more information. It is a bad mark on my credit report. 
Should I have been granted a forbearance? Or a reduction in payment?
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

So XXXX accidentally disputed my Capital One credit card and Capital One went and shut down my account bye computer automated systems and never call to verify with me to make sure if it was real dispute I've had my Capital One card for 6 months and always paid on time and never had one late payment they never sent me a letter or never call to verify with me that my Capital One card was being disputed as fraudulent and I was told to send in by fax letter my driver 's license my social security card proof of residence and a letter stating that I want my account reopen I have verified all this information and they still will not reopen my account
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XXXX and Cashapp verified a scammer account, when I requested a refund of {$140.00} each company told me they couldn't because it was their policy or they could not " find '' the person. Now I'm finding out this is a large scam and including using XXXX but no one is taking responsibility for the scams.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (CA)

I have had background checks done through Checkr on several occasions. My most recent background check XX/XX/XXXX showed a charge that happened almost 20 years ago. Because of this grave error and illegal reporting, Checkr has cause me to lose my employment with XXXXXXXX XXXX They are illegally reporting old information. The statue of limitations on backgrounds is 7 years. They are continuing to report a case that happened in XXXX. This is unacceptable in addition to illegal and has now caused me undue hardship by not being able to provide for my family due to their negligence.
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

We own a joint checking account at US Bank since XXXX. 
On XX/XX/XXXX, a perpetrator cashed a check dated XXXX ( no year ) at XXXX XXXX It was written to XXXX XXXX for {$10000.00} and my mother-in-law 's signature is forged. 
It was written to XXXX XXXX but deposited with a teller to the perpetrator 's account. No ID was provided. The perpetrator is a neighbor of my mother-in law, unknown to us but who became active in my mother in law 's life in her final 30 days. My mother-in law had lived in this area less than 18 months. The neighbor/perpetrator told us through a system we use to make sure my mother-in-law is safe that my mother-in law had gone on a vacation. Instead, the neighbor had isolated her from all family and friends. No one spoke to my mother-in-law without this person present from XXXX till her death. We learned the real situation on XX/XX/XXXX when the neighbor who had my mother-in law 's phone accidentally answered. My mother-in law learned in XXXX she had XXXX, the neighbor offered to " help '' taking her to appointments. My mother-in-law died XX/XX/XXXX which made my husband and me sole owners of the account. The neighbor had my mothers-in-law 's entire estate redone on XX/XX/XXXX a Sunday when my mother-in-law had just been released from the XXXX XXXX XXXX XXXX XXXX. She continued to use our US Bank checking account illegally and over drew the account putting us into collections. The neighbor also used this checking account to move money from an XXXX XXXX XXXX account and later withdraw {$38000.00} through a cashier 's check in my mother-in-law 's name that she deposited at XXXX XXXX. We were speaking with US Bank from end of XXXX regarding these issues and filed a formal complaint about the check and automatic payments in XXXX as directed. US Bank told us today XX/XX/XXXX that our claim has been denied as we did not file related to the theft and fraudulent check within 30 days. This " policy '' was never communicated to us and they wasted over 8 months of our time as we relied on them to recover the stolen funds. The statute of limitations for these criminal acts is 6 years, not 30 days. US Bank gave us the run around, damaged our credit, wasted our time and is complicit in the theft from us and elderly abuse of my mother-in-law. They have provided us nothing in writing and refuse to let us speak to the claims department in charge of the investigation that it now seems they never conducted.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I send {$5000.00} via XXXX  to an existing email address in the bank of america app. for a rental application. It turned out that the person on the account ( XXXX XXXX, XXXX ) is fake and not existing. 

Seems Bank of America didn't check the ID or SSN that was provided.

What can be done? Bank of America is still investigating, but I already opened online scam cases at XXXX. there are multiple people involved. Another person is XXXX XXXX 's, living in XXXX ( XXXX ).
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am requesting that capital one be removed from my credit report. The account has been charged off which means they received payment for the account. They are still reporting my account negatively on my credit report, which is illegal. They have made financial gains from my account and therefore can not negatively report the account on my credit report.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This was never a charge off account and the historical data reported on my file with XXXX is not accurate. I have uploaded emails from the Branch Manager stating this was never a charge off account. Furthermore, this account continues to report CO ( charge off ) on XXXX file which is grossly inaccurate. In addition, upon review of my most recent credit report via free annual credit report, I found account ; PenFed listed with multiple inaccurate data. This account shows an open date of XX/XX/XXXX with no payment history listed up until XX/XX/XXXX with no data reporting in the year XXXX XXXXXXXX. The account starting reporting charge off status starting in XXXXXXXX XXXX XXXXXXXX. The account starting reporting paid on time in XXXX and XXXX XXXX XXXXXXXX than 30 days late in XXXX XXXX XXXXXXXX. The account starting reporting paid on time starting XXXXXXXX XXXX XXXXXXXX up until XXXXXXXX XXXX XXXXXXXX. There is no reporting activity beyond XXXXXXXX XXXX XXXXXXXX up until XXXXXXXX XXXX  XXXX. Furthermore, the account states paid and closed. However, it is also reporting charged off, how can this account reports paid and closed, paid on time and reporting charged off all at the same time. This type of inaccurate reporting history has had a huge burden on my credit file and credit worthiness and my ability to obtain credit resulting in credit applications denials. I have attached all correspondence with the PenFed Branch Associate who made attempts to correct this issue, but it seems it was not complete. I have spent years trying to correct this matter.