davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
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. (PA)

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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was initially charged off in XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history and charge off accounts should NOT include and active payment history. This accurate information falsely manipulates the statue of limitations. You have failed to investigate this account multiple times and are violating my rights. I am strongly demanding a immediate deletion of the following account. 

XXXX XXXX XXXX Account # XXXX.
Consumer complaint received 2024-01-26
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)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX XXXX is reporting on my Experian credit report It was opened on XX/XX/2021 I never opened this account did not authorize for it to be open.
Consumer complaint received 2024-08-02
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. (GA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-04-12
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (MT)

Been working to have XXXXXXXX XXXX remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.
Consumer complaint received 2024-01-26
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. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 EQ REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit my purpose
Consumer complaint received 2024-08-02
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)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2023-07-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2024-04-12
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. (GA)

I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/year>, I mailed a dispute letter to Experian, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Consumer complaint received 2024-01-26
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)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-07-03
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies reported charge offs on my credit reported along with late payments but I never recieved the 1099C cancellation of debt form therefore these companies are reporting innacurate information. Please remove accounts in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency connot furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card occount under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

After speaking with XXXX XXXX  customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Consumer complaint received 2024-04-12
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. (CA)

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. 

Regarding the accounts with identifiers are the following : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

I had to switch the title of a car over and after that I still receive all these XXXX XXXX  bills that should not be in my name I have the bill of sale and the date and from the transactions and it still continuing to comes in my name and I do not owe all this debt and I'm not even the one that owns the car so I need it all to go away I feel like that is wrong and terrible and it's going to damage my credit score.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

My Citibank checking account was linked with XXXX a Cryptocurrency broker company. On XX/XX/2021 while I was at my work suddenly XXXX sent me a message that all of my all crypto currencies ( about XXXX ) have been converted to Bitcoin and money transferred to some account. 
Hackers were also able to withdraw money in two transactions from my Citibank checking account. They took out {$500.00} and {$5000.00} in two different transactions. 
I complaint to Citibank. They gave me two different reference numbers of two complains, one for each transaction. 
1 ) Reference # XXXX for the withdraw of {$500.00} 2 ) Reference # XXXX for the withdraw of {$5000.00} Citibank had refund my {$500.00} but hesitating to return the {$5000.00}. 
I went to their local branch and complain few times. But no result. Two weeks ago I called Citibank. Someone in XXXX picked up the phone ( outsourcing of job ) and told that case is closed.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (OR)

Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.
Consumer complaint received 2024-06-11
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XX/XX/XXXX Chrysler capital received a check in the amount of {$42000.00}. Chrysler capital cashed the check on XX/XX/XXXX. Since then I have called over XXXX times and have been given several different reasons why they have not closed my account. Ranging from were waiting on accounting to we need more documentation then at one point Chrysler capital said they would not talk to me about what they need but that my insurance must reach out to them. After that interaction XXXX weeks ago they stated that they were waiting on accounting. The final call on XX/XX/XXXX the insurance department said they have no proof of the check and never received it. Despite being faxed 2xs to them. Every single time I call I get a different reason and excuse.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ID)

On XX/XX/XXXX I submitted my payment in full through Nelnet, who is my loan servicer. The payment made was {$61000.00}. On XX/XX/XXXX I received an email saying that my payment was denied. Following up with this I called my financial institution only to find out that no transfers of money were even attempting to be made. I went ahead and resubmitted the payment only to find that I had accrued more interest in that timeframe. I scheduled a payment for {$61000.00} on XX/XX/XXXX. Since I submitted the payment it still says pending. While the payment was pending I noticed that I had accrued {$24.00} in interest. So I submitted another payment on XX/XX/XXXX for the {$24.00}. The {$24.00} drafted from my bank account, however, the {$61000.00} has not. So I reached out to Nelnet to see what the problem was. After being on hold for three hours the representative told me I just needed to use a different bank account for the {$61000.00}. I am just concerned because I do not want to accrue any more interest while I am trying to pay off the total of my loan. I am just frustrated and feel that this needs to be looked into.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

After numerous attempts to contact the company, they required verification for a check made out to my brother and deposited into my account. Despite providing his information, including phone number, they claimed it wasn't in their system ( XXXX XXXX ). Even when attempting to verify the check with the maker, a fellow Chase customer, and supplying business and personal phone numbers, they couldn't authenticate it. This situation raises concerns that their XXXX XXXX system might disproportionately affect the XXXX community, especially those with prepaid phones, as their information may not be accurately reflected. Additionally, even with my brother presenting two forms of ID at the branch, they were unable to authenticate him.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My ex girlfriend opened a credit card account with Capitol One and added my name as an authorized user on the account without my knowledge. Capitol One says because my name is not the primary and its just as an authorized user I can not have my name removed from this account. I would like my name removed from this so it does not negatively affect my credit again if she uses it and doesnt pay it.