davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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'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 ACCOUNT NAME- FIRST PREMIER BANK ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (WI)

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back XXXX in the process of purchasing a home for me and my family
Consumer complaint received 2019-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Hello. My claim refers to two transactions made through XXXX from the bank Chase that ended up in the wrong hands for reasons beyond my control and has resulted in money lost without response. 
It happened as explained : I have check accounts with XXXX XXXX and chase. In XXXX XXXX I had XXXX configured with my phone number, with chase XXXX used my email. On XX/XX/XXXX I changed my phone number on XXXX  for scam call harassment. 3 days later XX/XX/XXXX I updated my information on the XXXX XXXX website by putting my new phone number. I made a transaction of XXXX using XXXX from chase as I usually do, using my new number and trusting that everything was fine. The next day XXXX my wife calls me saying there was not enough money in the joint XXXX XXXX account and I send XXXX more and then I verify and surprise : no transaction ever arrived. Quickly from my work center I call chase and XXXX XXXX to get an answer and they tell me that it can not be canceled. 
I personally went to both banks and they just told me that that phone number was anchored to the previous owner of the number in the XXXX XXXX XXXX.I called XXXX  and they tell me that number had not been used for months.I updated my profile in XXXX XXXX on time, as it was possible that? It turns out that although your data is correctly updated in the profile in the XXXX XXXX system, you can not register that phone in XXXX if it is anchored to another bank. But chase having been informed of the problem to try to give quick solution like cancellation or something, never did anything, and the money was mine and left chase at the wrong hands. I made a claim in Chase with number XXXX, they washed their hands passing the claim to XXXX with number XXXX tried to communicate with the customer service in XXXX and it is  impossible to reach because they always refer you to your banking institution. And I have not even received any answer by email from them just total silence. 
Yesterday, XX/XX/XXXX, after several attempts to recover my money I have called to Chase and they tell me that the back office tried to recover the money from the XXXX  XXXX XXXX and it was not possible. So simple as that.This shows that the XXXX system is not at all safe but also demonstrates the incompetence of a bank as Chase to fairly solve a situation that I was not guilty of, Because simply I did everything I had to do at the time I used my own phone number, update my information as required and so and all the money has been lost. That's why I ask for a refund of my money to Chase, as it should be.
Consumer complaint received 2024-06-27
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. (CA)

To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiries appearing on my credit report. The inquiry in question was conducted by ( see below ). I categorically deny having authorized this inquiry, nor did I engage in any transaction or application for credit with this entity on or around this date. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Via Dealer Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Via Dealer Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Via Dealer Inquiry Date : XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information and request its immediate removal from my credit file. The FCRA stipulates that credit reporting agencies may only furnish a consumer report under circumstances where there is a permissible purpose, as defined by 15 U.S.C. 1681b. Unauthorized inquiries not only violate my rights under the FCRA but also jeopardize my creditworthiness and privacy. 

Enclosed with this letter are the following documents to support my dispute : I hereby request that XXXX undertake an investigation with the creditors regarding this unauthorized inquiry. If the creditor is unable to provide irrefutable evidence of my consent, I demand that this inquiry be expunged from my credit report. Furthermore, I request written confirmation of the outcome of your investigation and the specific actions taken to rectify this matter. 

Should this issue not be resolved promptly, I am prepared to pursue all available legal remedies to enforce my rights under the FCRA, including but not limited to seeking damages for negligent or willful non-compliance as provided under 15 U.S.C. 1681n and 1681o.

Thank you for your immediate attention to this urgent matter. I look forward to your swift response. 

Sincerely,
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I sent a letter to XXXX requesting that they remove inaccurate address information that is being reported on my credit report. 

They responded via email that the information was verified and that it would not be removed. 

This information is not accurate and is in violation of the fair credit reporting act.
Consumer complaint received 2024-05-14
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. (CT)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (KY)

I got up this morning on XXXX/XXXX/17 at XXXX and called my phone company to pay my phone bill of {$50.00} and it did go through, I called my card to make sure I had {$60.00} left for my kids diapers wipes and food and there was only {$10.00} left on there. I did got to my phone company and they pulled up my account and there was only XXXX transaction that was approved for only {$50.00}, but the American Express company took out an extra {$50.00} which is by law called fraud. So I called my phone company head office and they even said only one payment was approved for {$50.00} thAt American Express has frauded me of an extra {$50.00}. I have already talked to a lawyer and I will be aiming to press charges
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-11-07
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. (IL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (WV)

I submitted to all three credit reporting agencies and to Kia finance itself. They told me sorry we put you as current. But my report is showing a NR. That is not the case, I never missed payment either of those months. They take said payment right from my bank and have for 3 years and five months. My report should reflect that. I have since paid down multiple accounts and my report is still only up XXXX points. But when Kia reported delinquent payments it took me from around XXXX down to XXXX. I dont miss payments and I wont them to report that they made a mistake to the three reporting agencies. They said they mailed a letter, but the letters not come. Who helps me and why is this so difficult to fix.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number : XXXX
Consumer complaint received 2024-05-14
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. (OR)

These are not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They need to be removed from my credit report immediately
Consumer complaint received 2024-05-14
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. (NJ)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I SENT MY 1ST DISPUTE TO XXXX XXXX XXXX ON XXXX XXXX DEALING WITH THE INACCURATE REPORTING OF LATE PAYMENTS ON MY CREDIT FILE. I SENT MY DISPUTE LETTER 15 USC 1666 TIMING OF PAYMENT AND THEY CONCLUDED TO SAY THAT THIS LAW WAS DEALING WITH A CREDIT CARD ACCOUNT.

15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
THEY USE MY SOCIAL SECURITY CARD AND DRIVER 'S LICENSE FOR THE PURCHASE OF THE LOAN, AS WELL AS MY CAR TAG. 
I AM REQUESTING THAT THIS INACCURATE ACCOUNT BE DELETED FROM MY CREDIT REPORT BEFORE I SENT THIS OVER TO MY ATTORNEY TO SUE. 
XXXX HAS VIOLATED 15 USC 6802 BY NOT GIVING ME THE OPTING TO OPT OUT AND GIVING ME MY DISCLOSURES. 
LASTLY THE ACCOUNT IS REPORTING INACCURATE AND INCORRECT ON MY CREDIT REPORT - PLEASE DELETE
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I never miss a payment. I am certain of this. I dont get why this company is marking me late for some months. USC 1666b states that billing errors should be corrected and shown as paid on time.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am facing significant issues with Experians handling of my credit report, which includes multiple inaccuracies affecting my financial reputation. Despite attempts to correct these via direct communication, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

What Happened : 1 Incorrect Personal Information : Experian needs to confirm my employment as XXXX XXXX, my address at XXXX XXXX  XXXX XXXX, XXXX, FL XXXX, and update my phone number to ( XXXX ) XXXX. 

2. Misreported Accounts : XXXX XXXX XXXX : This account was previously deleted but has been incorrectly re-reported without my knowledge. 
Unauthorized Inquiry : An XXXX inquiry appears on my report that I did not authorize and needs removal. 
Account Status Errors : XXXX XXXX XXXX  & XXXX XXXX : Both are active with all payments made on time but are not reported as such. 
XXXX XXXX  XXXX : This account is also active and timely but needs confirmation of its current status.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have had Bank of America Fraud put on my credit on an account that closed in XXXX and I have had no accounts of bank of america in a decade. I had this disputed before and it had been removed. then years later its back on in a fashion ALL my banking got closed all at once, bill pay and everything, electronic receipts, and balance in my accounts sent to me in check form. No access to electronic receipts or ledgers.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from Nissan Motor Acceptance.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

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 three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and equifax from conducting their investigations as well.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

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 2023-10-26
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2024-05-14
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. (TN)

It has come to my attention as of recently upon reviewing my most recent CFPB complaint ( complaint number : XXXX ) that the accounts that were requested to be removed have not been deleted from my consumer report with EXPERIAN. These accounts are inaccurate and have been yet again 'verified ' as if they are accurate. The accounts I requested to have removed were reinvestigated and returned to me as inaccurate and incomplete accounts. This is my second attempt to have EXPERIAN comply with federal law. They did not remove the unverifiable accounts which is not only a violation of the FCRA 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681e ( b ) but will make EXPERIAN liable per 15 USC 1681n civil liability for willful noncompliance for sustaining the inaccurate accounts that are supposed to be removed in accordance with federal law.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX Experian continue to report incorrect information on my consumer report. My name and address is incorrectly reporting and I previously disputed this same information and they stated they remove it but I paid for a copy of my consumer report and the information still appears on the report. I have provided proof of my identity and residency to prove this information should not be reporting on my consumer report. 

XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, FL XXXX