davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required by the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-05-29
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. (FL)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX ) ( XXXX ) ( NAME : XXXX ) ( NUMBER : XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

My account was frozen for 3 years with a positive balance FROM AN ACH DEPOSIT. There was an investigation and my account was deemed none fraudulent. Under ACH REGULATIONS THE ORIGINATOR HAS TO REQUEST THE FUNDS BACK under CERTAIN ACH FEDERAL GUIDELINES AND TIME FRAME. 3 years later the originator has not requested the funds back. I asked for my account to be unfrozen and funds be released to me. PNC told me they are keeping the funds until the originator request them back. PNC debited my account for all the funds and said they will hold them until the originator request them back. That will never happen. If the account was deemed NONE FRAUDULENT AND THE ORGINATOR HAS NOT REQUESTED FUNDS IN 3 years and can not due to ACH REVERSAL TIME FRAME why not RELEASE FUNDS TO ME PRIMARY ACCOUNT HOLDER. I have done nothing wrong. PNC IS USING THERE POLICY TO KEEP THE MONEY instead of releasing it to me the primary card holder
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (NC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
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. (TX)

On XX/XX/XXXX, I requested proof of the previous investigation of a 30 day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. investigations were completed and none of this was provided. I demand that the 30 days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I sent myself a XXXX from a XXXX account on which I am an authorized user on. The XXXX has been on hold for 15 days and Bank of America refuses to release it. At first, they accused me of fraud and then after 2 hours and 5 different reps in all different departments they asked me to call XXXX bank. XXXX bank told me the money has been sent the transaction has fully posted in the XXXX account, they no longer have the funds. XXXX offered to call bank of America and explain it to them but the bank of America employees refused to speak to the XXXX  employees. I have been a bank of america customer for 10 years and pay over XXXX a year in interest payments. I am shocked they are treating me like a fraudster for only {$300.00} XX/XX/XXXX sent XXXX from XXXX to Bank of America XXXX fully sent and posted money Bank of America had a XXXX glitch on on XX/XX/XXXX and promised they would fix the account. 
On XX/XX/XXXX bank of america is still holding my {$300.00}.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (MI)

I am not reliable for this debt with navy federal credit union acct # XXXX, I do not have a contract with navy federal credit union they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the XXXX to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( 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.15usc1681s-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 accurate also they are not in compliance with XXXX reporting I have evidence to prove my case.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

currently there is XXXX XXXX dollars give or take on my credit card business ink through Chase Business. I have called at least 20 times into resolving the matter. I kept getting transferred, line would go dead, I would be put on hold for very long time, I could not understand what the person on the other end was staying to me due to a language barrier. 

I been trying to dispute the ENTIRE Current balance on my chase BUSINESS credit card since I did not approve of the purchases on there. I submitted a receipt to the fraud department stating the purchases were not me since I had lost my credit card and had lost my phone. I submitted the documents to them back in XXXX for the phone.
Consumer complaint received 2023-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (OK)

XX/XX/XXXX I was involved in a motor vehicle accident, and transported to XXXX XXXX XXXX XXXX XX/XX/XXXX I received a letter from Americollect regarding an account that was turned over to their offices to collect the debt. 
Between XX/XX/XXXX and XX/XX/XXXX I have reached out to Americollect and XXXX on multiple occasions. I have also filed a dispute with the credit bureaus. XXXX states the account was never turned over to collections as the account was paid per financial assistance and has a XXXX balance. Americollect states it was turned over and is valid debt. 
XX/XX/XXXX recd multiple emails from XXXX billing stating account was paid, has XXXX balance and to reach out to collection agency. 
XX/XX/XXXX XXXX, with Americollect, states XXXX needs to pull the account. Advised me to forward my communications with XXXX to her office, then states I will need to allow up to 14 days for someone to review the information. 

This is absurd!! 14 days to review the account- its been XXXX years. As the consumer I shouldnt have to spend hours upon hours of my time trying to get this resolved. The balance owed is {$7400.00} and neither XXXX nor Americollect seem to be escalating this issue.
Consumer complaint received 2024-08-05
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. (MO)

This is to follow up to request the deletion of multiple fraudulent items or inquiries on my credit report, which are causing substantial harm to my financial reputation. It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The items claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : help me conduct a thorough and exhaustive investigation into these items on my credit report and provide me with a written response outlining the results of your investigation and the corrective actions taken. Kindly help me remove the following items immediately : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-30
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. (SC)

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. 
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 XXXXXXXX, has violated my rights.

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting EQUIFAX of the FRAUDulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and equifax hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681c- they should have blocked this information in 4 days. I have done everything equifax has asked now I'm requesting an equifax employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (FL)

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 2023-07-04
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: Experian Information Solutions Inc. (CA)

First attempt to resolve this issue was not effective and continues to be in violation. By law consumer reporting agencies has 4 days to remove accounts relating to identity theft. Consumer reporting agencies must follow state and federal regulations and codes including under FCRA and Privacy Act. XXXX XXXX is an account showing on consumer credit report is in violation of the FDCPA, Privacy Act, FCRA, as well as section XXXX of the XXXX. Consumer demand this account to be removed immediately as consumer has already filed identity claims and other complaints against said company. Consumer will file suit against credit reporting agencies who fails to take consumer claims and immediately address them. Consumer will also seek remedy according to violations in continuing to report inaccurate and invalidated fraudulent information.
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-07
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. (SC)

In XX/XX/year>, I sold my house. With the proceeds, I paid off a loan for {$9000.00} ( est ) and another loan for {$1800.00} ( est ). I was told by my lending company for purchase of a new home loan to pay off my smaller credit cards which I did, about XXXX. My Transunion credit report decreased about XXXX points while XXXX and XXXX stayed the same with smaller increases. Transunion stated they could not see those credit cards that I paid or my loan which should be in my credit history just like they can see late payments or new requests for credit.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-07-09
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00}
Consumer complaint received 2024-05-29
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. (FL)

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. 

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 2024-05-30
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: EQUIFAX, INC. (GA)

Upon checking my credit on XX/XX/XXXX, I noticed there were some hard inquiries that were listed that do not have permissible purpose. According to The Fair Credit Reporting Act Article 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.