davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I submitted a request to have some information validated on my consumer report and based on the response from the credit reporting agency the information remains in the report because it meets the requirements under the FCRA and is still incomplete and inaccurate. According to section 611 of the FCRA it is very clear that " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information '' the information on my report is still incomplete and has multiple discrepancies and has not been properly investigated according to the FCRA standards and is affecting my credit standing and my mode of living. I am requesting to have the name and title of the person who has certified the information during the reinvestigation, validation of the dates and amounts the account number and proof of certifying information and payment history. I am requesting that Experian conduct a NEW reasonable reinvestigation by way of the information that was provided to them in my letter that was sent to them and attached this complaint. This is unacceptable and harmful reporting since it is damaging to my credit worthiness, credit standing and my mode of living. I am not able to get the best rates on a home I acquiring due to negligent and unethical reporting. This is definitely against my rights under the FCRA.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX XX/XX/2024 at XXXX XXXX  I received a phone call from Navy Federal 's phone number XXXX. The representative on the phone stated that there was potential fraud on my checking account and that my account security was being re-set immediately and that my password needed to be reset. I also received an email and text message from Navy Fed stating that my account password had been reset. At this point I could no longer log into my account as my password had been changed and my account was compromised. I immediately called Navy Fed from another phone and the representative informed me that whoever had called me at XXXX was committing fraud against me in order to steal funds from my account and that they had done so successfully. The fraud was commented in the following manner : The perpetrator stole my account access by using Navy Federals actual phone number and email account, then went into my account and claimed fraud on recent purchases that I actually purchased for XXXX, XXXX, XXXX, XXXX, XXXX totaling XXXX. This was done in this manner because Navy Federal provides a provisional credit immediately once claiming fraud on a purchase. As soon as that provisional credit was given to my account all of this money was verified to have been transferred to another Navy Federal Account ( member to member transfer ). As soon as I filed a claim for actual fraud Navy Federal took all that money back from my account to replenish their provisional credit but still has not recouped my actual funds to me that was transferred fraudulently to another Navy Federal Member who I have no relation with. This resulted in me being placed in a negative XXXX status. On XXXX XX/XX/2024, I received my XXXX XXXXXXXX direct deposit to this account and was automatically deducted the negative balance which was not my negative balance to begin with. In addition, Navy Federal removed another XXXX dollars with the subject stating " adjustment -debit ''. I have been speaking to Navy Federal in person and over the phone every day with the re assurance that it was fraud but there has been no attempt to recover my funds into my account. Navy Federal Immediately made sure they took my XXXX XXXX pay to recover their lost funds but have done nothing to pay me back. I can not even afford to pay my monthly rent and I currently have a XXXX  daughter as well that I need to be able to provide for. Today I spoke to a supervisor, and he stated there is nothing he can do for me other than tell me to continue to wait up to 90 days for my funds to be returned. He said it is possible for the fraud department to provide my a provisional credit of my funds back but would not allow me to request that formally. He stated it's up to that department and I can not talk to them.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

On XX/XX/2024 at XXXX XXXX, I sent an international moneygram transfer for the amount of {$100.00} + {$4.00} transfer fee to XXXX but unfortunately the recipient was unable to collect the transfer due to identification card being stolen. At XXXXXX/XX/XXXX that same day, I went on moneygram website and cancelled the transaction. I was told that the money will be deposited to my bank account but I have been waiting since Moneygram transfer reference number : XXXX
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. ()

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 XXXX party. They in fact did not come from a XXXX 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported On XXXX XXXX, XXXX  Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MA)

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.
Consumer complaint received 2023-09-18
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. (VA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance Owed : {$19000.00}.
Consumer complaint received 2024-04-30
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. (CT)

I recently reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (MN)

Marcus denied a transfer of {$500.00} into an XXXX account, upon asking where the funds are they removed an additional {$500.00} from my XXXX account. I did not authorize them to withdraw that money from my account, this equates to banking fraud. 

At this point they have stolen {$1000.00} from my accounts and will not provide any additional information as to where the money is or how I can get it back.
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (FL)

I recently checked my credit file and saw some items that are incorrect. I tried reaching out to the bureaus, for these items be corrected but it is now taking some time. I need some results, as my life is now being affected negatively due to these items. These items are incorrectly reported, thus damaging my credit profile. Because of these, I am unable to find a job, unable to find a house. 

I need your help, for my rights to be considered. Please help get these items corrected and updated on my report.
Consumer complaint received 2024-08-05
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. (MA)

I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the TD Auto Finance account and includes several inaccuracies that need correction.

**Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$21000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX ) - **Balance Owed : ** {$690.00} ( TransUnion ), {$690.00} ( XXXXXXXX XXXX XXXXXXXX ) - **Closed Date : ** XX/XX/XXXX ( TransUnion ), not provided by XXXXXXXX XXXX XXXXXXXX - **Account Rating : ** Derogatory - **Account Description : ** Individual - **Dispute Status : ** Account not disputed - **Creditor Type : ** Auto Financing ( TransUnion and XXXX ), All Banks ( XXXX ) - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff XXXX **Creditor Remarks : ** Charged off as bad debt ( TransUnion ), Merchandise was taken back by XXXX XXXX ; there XXXX be a balance due ( XXXX ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( TransUnion and XXXX XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : XXXX XXXX XXXX XXXX XXXX ) - **Past Due Amount : ** {$690.00} ( TransUnion ), {$690.00} ( XXXX and XXXX ) - **Account Type : ** Auto Loan - **Payment Frequency : ** XXXX ( every month ) ( TransUnion ) - XXXX Limit : ** {$0.00} This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across TransUnion XXXX XXXX, and XXXX XXXX 
2. **Date Reported : ** Different reporting dates across the credit bureaus.

3. **Date Opened : ** Discrepancies between TransUnion and the other bureaus.

4. **Balance Owed : ** Inconsistent amounts reported by TransUnion and the other bureaus.

5. **Creditor Remarks : ** Differing comments about charge-off status and merchandise return.

6. **Last Payment Date : ** Different last payment dates between the credit bureaus.

Attached are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-09-18
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX  Balance Owed : {$16000.00}.
Consumer complaint received 2024-04-30
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. (MS)

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I was a victim of XXXX data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-30
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. (TX)

I am writing to file a formal complaint against [ Company Name ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 602 A and 15 U.S.C. 1681 Section 604 A Section 2. This complaint pertains to inaccurate and misleading information reported by [ Company Name ] regarding several accounts associated with my credit profile. 

The following accounts are at issue : XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX It has come to my attention that these companies have inaccurately reported information related to these accounts, which has had a detrimental impact on my credit score and financial well-being. Specifically, the reported information does not accurately reflect my financial obligations or payment history. 

According to 15 U.S.C. 1681 Section 602 A, consumer reporting agencies such as [ Company Name ] are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, the information provided by [ Company Name ] regarding the aforementioned accounts is demonstrably inaccurate and misleading.

Furthermore, under 15 U.S.C. 1681 Section 604 A Section 2, consumers have the right to dispute inaccurate information contained in their credit reports. I have attempted to dispute the inaccuracies associated with these accounts directly with [ Company Name ], but have not received a satisfactory resolution. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against [ Company Name ] for its violations of the FCRA. Additionally, I am seeking prompt correction of the inaccurate information reported by [ Company Name ] and restoration of my credit profile to its accurate state. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to complaint to BK OF AMER about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Consumer complaint received 2024-07-04
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. (NV)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.