davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Attention : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : Experian business cred Date Filed : XX/XX/XXXX Type of Account : credit bureaus Address : XXXX XXXX XXXX, XXXX tx XXXX Number : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : Reason : XXXX Account Name : XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : Reason : XXXX Account Name : XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX : XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX Number : XXXX Account Name : XXXXXXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Bank credit cards Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Personal loan companies Address : XXXX XXXX XXXX XXXX in XXXX Number : Reason : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX Number : Reason : XXXX Account XXXX : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Number : Reason : XXXX Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX Number : Reason XXXX XXXX Account Name XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Filed : XX/XX/XXXX Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove the following Employers from my account. This information does not apply to me.Inaccurate Employer as stated on Credit Report XXXX XXXX XXXX XXXX, NA Please remove the following telephone numbers from my account. I am in no way affiliated with this number. 
( XXXX ) XXXX
Consumer complaint received 2024-05-22
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. (TN)

I was offered a loan to pay for this car monthly in XXXX Although, I made a down payment I did not give permission to this company to add this on my credit. By law they need my permission to add anything on my credit report from law FCRA section 605 ( b ).
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

I made a purchase with XXXX XXXX XXXX on XX/XX/2019 in the amount of {$38.00}. I was charged twice for this transaction. I placed a disputes case with Chase bank on XX/XX/2019 when I noticed the charge on my account. I called back on Sunday, XX/XX/2019 about the provisional credit for the charge and again on Monday, XX/XX/2019. I was told the charge had to post before a provisional credit could be provided. I used my debt card on Monday, XX/XX/2019 then tried to use it again but it would not work. I went to Chase bank on XXXX XXXX XXXX in XXXX XXXX, Nevada and was told that my account was closed due to fraudulent activity. I was shocked because I had not reported fraud on my account. I later found out that I was being accused by the disputes department of placing a fraudulent disputes case for the duplicate charge from XXXX XXXX  XXXX. I later contacted XXXX XXXX  XXXX again and was told that they DID see a duplicate charge and would credit my account within 3 - 5  days. I contacted the chase disputes department again on Monday, XX/XX/XXXX. 2019 and explained thaXXXX XXXX XXXX XXXX would credit my account and that I did not like being accused of making a fraudulent disputes claim. The escalation manager did NOT care and told me that Chase decision on closing my account was final. I had been a customer of Chase for XXXX   years. My character has been challenged by the disputes agents and I consider this to be detrimental to my character and slander. 

I am NOT seeking to keep my account open with Chase BUT I also do NOT want Chase reporting that they closed my checking account involuntarily. 

Once again, I do NOT want Chase to have the checking account that I had with them being reflecting on any public records as being closed as involuntary closure by Chase. 

I did nothing wrong by filing a disputes claim for the duplicate charge or any other disputes cases that were filed in the past.
Consumer complaint received 2024-06-07
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX  XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is incorrectly reporting 60 day lates for XXXX and XXXX of 2024 with a payment made for {$170.00}. Bank statements were provided to show the payment was made and XXXX still has not deleted this incorrect information.
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: EQUIFAX, INC. (PA)

Subject : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX, I am writing to formally dispute inaccurate information that has been reported on my credit report by XXXX, XXXX. I have never had a loan with XXXX XXXX XXXX, nor have I provided them with consent to report any loan-related information on my behalf. Their representation of this account as a loan is false, and the negative information reported as a result is inaccurate. 
The presence of this information on my credit report is unauthorized and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
The inaccurate information I am disputing includes : Having a loan, having a past due balance, reporting payment that was never made
Consumer complaint received 2024-05-22
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. (FL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Georgia Student Finance Authority (GA)

Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request.

I am not refusing to pay my student loans nor denying that I signed a promissory note. 

I have been sending in letters to the Georgia student finance company and sending dispute notices to all 3 credit bureaus.

when I dispute the information, your agency adds on more late payments and states it's been updated. 

Your agency is reporting that been XXXX. I was 60 to 180 days late. This is default status. I was not that many payments behind. I contacted your agency and someone dropped the ball by not updating my approved /forbearance..

If I was that behind. I am requesting all correspondence during this time period of statements and deferments/forbearance. 

There is no way I was 180 days past due and was not reported to the default company. 

Again, I am not denying that I signed a promissory note that I owe student loans. What I did not do is signed any documents that your agency report inaccurate information to my credit report. 

If you agency is going to report to our credit report, then you have to follow FCRA regulations. 

15 USC 1681s-2 - states that you have a duty as a furnisher to provide accurate information to the credit reporting agencies. Reporting inaccurate information with knowledge errors is illegal and must be modified or deleted. 

unfortunately, your agency has been notified my mail 2 times and I have previously submitted a CFPB complaint. The information was correct and updated recently adding on more late payments. 

These late payments is affecting my character and is inaccurate.
Consumer complaint received 2024-05-22
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
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. (AR)

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-20
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. (GA)

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 2024-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

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 2024-05-20
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. (TX)

On Saturday, XX/XX/XXXX, I received a notification that a hard inquiry had been added to my credit from XXXX XXXX. I did not apply for a credit card, loan, etc. I did not recognize the hard inquiry. I contacted XXXX XXXX, and mentioned that someone opened a card under my name that was not me. Information on my XXXX XXXXXXXX was XXXX card ending # XXXX ( I have this screenshot because when I signed in to my CapitalOne app, it asked me if I wanted to link it to my app, which I did not ). XXXX XXXX is working with me to investigate in deep on how this happened, and they were able to remove this card. After that, I placed a freeze on all XXXX credit XXXX, and Experian mentioned that I needed to file a report with FTC.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Coinbase XXXX XXXX XXXX Sent a deposit of USD XXXX via wire transfer 7 days ago on XXXX XX/XX/year>. I have done similar deposits more than 10 times this year and the deposits usually reflect within 5 minutes in my Coinbase account.

This time round, it never happened. Spoke to the Virtual Assistant on XXXX XXXX via the online chat and was told not to worry and my funds are safe and it will appear within 3 business days.

After 3 business days, deposit still not showing. Spoke to the Virtual Assistant on XXXX XXXX via the online chat and was told that a specialist will contact me within 24 hours to update me on the status of my deposit. Told me not to worry and my funds are safe. 

After 24 hours, deposit still not showing. Spoke to the Virtual Assistant on XXXX XXXX via the online chat and was told that they need more time to locate my funds. Told me not to worry and my funds are safe. Also said that they do not have an exact time when their specialist will contact me for now.

Spoke to my bank, money has already left my bank account within minutes on XXXX XXXX when I did the transfer. 

I requested to submit a ticket to refund the deposit back to my bank account. However, the virtual assistant told me that it is not possible to do that because we have an existing ticket on this exact issue.

I am not sure what is going on and this delay is having a lot of impact on my cashflow. Seems like Coinbase is having liquidity issue right now.

I am facing a lot stress now.
Consumer complaint received 2024-06-07
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2019-06-18
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: Resurgent Capital Services L.P. (GA)

There are two accounts on my report in collections that do not belong to me. They are XXXX and XXXX and Resurgent Cap Services. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this XXXX 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 three Bureaus, XXXX, XXXX, and Equifax.