davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: NAVY FEDERAL CREDIT UNION (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is NAVY FCU Date of Inquiry XXXX-2022. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
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: Experian Information Solutions Inc. (RI)

Please see attached identity theft report. Please delete these erroneous accounts within FOUR business days of receipt of this letter on clear ground of identity theft/alleged identity theft pursuant to 15 USC 1681c-2 . Also, please update personal information pursuant to 15 USC 1681s-2 and 15 USC 1681e ( b ). SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2023-09-14
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. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$19000.00} XXXX XXXX Balance Owed : {$280.00} XXXX  Original Creditor CELTIC BANK XXXX Balance Owed : {$1000.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Balance Owed : {$600.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2800.00} Medical XXXX Balance Owed : {$1200.00} XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$230.00} CAP XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX TBOM/MILESTO XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-10
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)

XXXX XXXX Account Number-XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Experian Information Solutions Inc. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-07-18
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: Experian Information Solutions 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 USC 1681. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX. 

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 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 consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.
Consumer complaint received 2024-06-08
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 XXXXXXXX XXXX XXXX XXXX has reported to the credit reporting agencies that I wade a 30 day late payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I WAS NEVER LATE ON THIS ACCOUNT! I pay monthly via their automated system, I prompt the automated system to pay the past due amount, so whatever amount THEIR system tells me to pay, I pay ON TIME EVERY MONTH. This may be a error on their system, I am not sure, but I do know MY payments are submitted on time, before the 30 day late period. I have wrote XXXX, Experian, and XXXX multiple times to resolve this issue, and the late payments are still reporting. I am a real estate investor and this is hindering my ability to secure loans needed. I need these late payments UPDATED immediately, due to the fact I pay ON TIME every month.
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just received my credit report, To my Surprice, you are reporting this account incorrectly. This collection account is not only reporting as UNPAID, but also shows a past due balance of {$150.00}. According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I took a look at my credit report and saw LVNV Funding was reporting a negative account in collections. I never heard of this company and don't know who they are. On XX/XX/XXXX I mailed out a certified letter requesting validation of the debt and for them to correct their records. 
Months pass and still no verification of the debt whatsoever. I reached out again requesting validation of the debt and it looks like I got some fake looking paper with some numbers on it with another debt collector ( XXXX XXXX XXXX ) on there saying they are now collecting for LVNV Funding. It looks like my attempts to have LVNV validate the debt and show proof, are being met without any effort to show validation. This has impacted interest rates, housing opportunities, and completely changed my life. I have done my due diligence, I have wrote them politely asking for proof and validation and I don't get any response with factual information. I sent out my first letter over 5 months ago and have given them ample time to provide validation of the debt. This is a complete violation of my rights. 

LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX I am including pictures of the certified mail receipt, the letters I sent starting XX/XX/XXXX and the only piece of paper LVNV Funding and Frontline Asset Strategies have sent me which is not anywhere near validation.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Basically, what happened to me was a check scam. The incident began on XX/XX/year>, when the scammer XXXX XXXX first sent a group email to all XXXX XXXX XXXX XXXX to inquire about our interest in being a tutor for his daughter XXXX. Unfortunately, I replied to his email and that's when all the nightmare started. To get the trust and sympathy from me, the scammer XXXX XXXX fabricated the whole story of his miserable family. He claimed that he was a single father and that both his cousin and his daughter XXXX lived off him. He perfectly disguised his real intention at the very beginning to discuss the details of the tutor classes, including the fees ( {$50.00} per hour ), duration ( XXXX weeks ), background knowledge required ( XXXX  ), place ( XXXX XXXX ) and method ( online or in-person ) to teach his daughter, etc. Then, at some point, he suddenly asked me if he could first send a check with a large amount to me via mail and let me return the rest of the amount to him when the XXXX XXXX Although I clearly told him not to do so, he still sent me a {$3000.00} check money on XX/XX/year> when I didn't realize that this check was a fake one ( this was the first time in my life that I had ever deposited a check, and I had no experience to identify a fake check ). He asked me to deposit that check into my checking account, but obviously, this check was placed on hold by Bank of America since it was fake. He first hypocritically said that this situation was out of his expectations, but it turned out that this was also XXXX of his deception tactics. Shortly after I deposited the check, he begged me to first send him {$650.00} to reimburse his cousin and XXXX for their travel expenses back to XXXX XXXX because they were out of state at that time as he claimed. I easily agreed to lend the money to him because I naively thought no one would commit fraud in finding tutors with students. I used XXXX to make several transfers to the email addresses he provided, but only the {$150.00} transfer to XXXX XXXX ( which I suspect is a fake name ) on XX/XX/year> was successful. Other {$500.00} transfers were all experienced security reviews and were then rejected by Bank of America and XXXX XXXX. He also asked me to make the {$500.00} transfer through XXXX. This transfer was near to success, but fortunately enough, I got notified on XX/XX/year> saying that the check I deposited was fake, and then I immediately cancelled the XXXX transfer. I further confirmed that XXXX XXXX was indeed a scammer because he never replied to my refund request after I finally realized that his check was fake. You may find more details of this check scam in the evidence documents attached to this letter, including the XXXX Complaint Referral Form and all the previous transfer receipts, emails, and messages with the scammer XXXX XXXX. I have also included my XXXX form issued by the US Government to prove my XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-22
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 sent Experian a dispute letter last month informing them that there is a medical violation on my credit report for accounts XXXX and XXXX. The original creditor is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. I never signed any disclosures or permitted my personal information to be shared. This collection company/debt collector does not have permission to furnish this alleged debt. I have no binding contract with them, and Experian failed to do their due diligence. I am protected under HIPAA laws. XXXX has removed these accounts from my credit report. Please see the attached dispute letter which is dated, and time stamped and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : 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 2023-09-14
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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)

Your agency is in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). The account XXXX XXXX XXXX XXXX was deleted, and you reinserted it without notifying me 5 business days after and certifying that the item was validated properly. I demand you to delete this item from my credit file or I will seek litigation. Please reference CFPB complaint XXXX for the initial reason for the dispute of account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I contacted American Express several times and they still haven't applied the welcome/promotional offer of XXXX points. They confirmed I qualified, but keep saying their " backend '' office needs to process this and that they will get back to me, but then they never too. No response and no help and they just keep saying " they are working on it ''. Well they are months overdue now and I want both the points and a refund on my annual fee due to the delay.
Consumer complaint received 2023-09-04
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX 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