davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NV)

Every time I ask for my bankruptcy to be removed you state it is verified. We are past that. It doesnt change you violated 15 USC 1681 A AND 4. Indeed, the Fair Credit Reporting Act ( FCRA ), specifically in section 15 USC 1681 ( a ) ( 4 ), emphasizes the importance of consumer privacy rights. This section acknowledges and establishes that individuals have the right to privacy when it comes to their consumer information. It requires consumer reporting agencies to maintain reasonable procedures to ensure the confidentiality, accuracy, and security of consumer data. 

The FCRA sets guidelines for how consumer information is collected, shared, and used by credit reporting agencies, and it grants consumers certain rights, such as the right to access their credit reports, dispute inaccuracies, and protect their personal information from unauthorized access. 

The correct reference is 15 USC 1681b, which outlines the permissible purposes for obtaining consumer reports under the Fair Credit Reporting Act ( FCRA ).

Section 15 USC 1681b establishes the conditions under which consumer reports can be accessed and used by various entities, such as employers, creditors, insurers, and landlords. These permissible purposes include : 1. To evaluate a consumer 's creditworthiness before extending credit or issuing insurance. 
2. To review an individual 's suitability for employment purposes. 
XXXX. To underwrite insurance policies or assess claims. 
4. To evaluate eligibility for government licenses or benefits. 
5. To conduct a legitimate business transaction initiated by the consumer, such as opening a bank account or entering into a rental agreement. 
6. To gather information for legitimate business needs in connection with a business transaction involving the consumer. 
7. To comply with a court order or federal, state, or local laws requiring the disclosure of consumer reports. 

It's important to note that these permissible purposes are defined by the FCRA and serve as a framework for protecting consumer privacy while enabling appropriate access to consumer information when needed. 

Please remove Bankruptcy from credit report. This is identity theft. Bankruptcy court does not furnish anything to credit agencies due to privacy violations
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Formal Complaint Against TransUnion, XXXX, and XXXX for Negligence and Non-compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally complain against the three major credit reporting agencies : TransUnion, XXXX, and XXXX, concerning their continuous failure to rectify fraudulent information on my credit reports stemming from identity theft. This ongoing issue has severely impacted my life and financial standing, and I feel compelled to seek intervention from your esteemed agency. 

Despite multiple attempts to resolve this issue, including providing necessary documentation and following the stipulated procedures, the aforementioned credit bureaus have not only failed to correct the inaccuracies but also have not provided any substantive feedback or documentation from the data furnishers who allegedly supplied this erroneous information. The lack of transparency and cooperation from these bureaus has left me in a precarious financial position, unable to move forward in various aspects of my life, such as securing loans and accessing favorable credit terms. 

It has been over a year since I first reported this issue, and the last communication regarding this matter has exceeded the 60-day resolution period as mandated by federal law, specifically under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, these agencies are required to conduct a " reasonable '' investigation within 30 days upon receiving a notice of dispute from a consumer and to correct or delete any inaccurate, incomplete, or unverifiable information. Their failure to comply demonstrates not only negligence but also an unethical disregard for consumer rights and protections. 

Furthermore, the lack of compliance by TransUnion, XXXX, and XXXX with these legal requirements has caused significant emotional and financial distress. This negligence contravenes the Consumer Financial Protection Bureaus mandate to ensure fair, transparent, and respectful treatment of consumers by financial entities. 

I am urging the Consumer Financial Protection Bureau to take immediate action against these agencies to enforce compliance with the FCRA. Additionally, I request a thorough investigation into their processes and a mandate for corrective action to amend my credit files and remove all fraudulent entries without further delay. 

Attached are copies of all previous correspondences with the credit bureaus, as well as a timeline of the events and attempts made to rectify my credit report. 

I appreciate your attention to this critical matter and look forward to your prompt response and resolution. 

Thank you for upholding the rights of consumers like myself. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-17
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 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 2023-07-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00XXXX XXXX XXXXXXXX Balance : {$20000.00}
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was made aware of a fraudulent account on my credit report when trying to apply for a loan this is been over a year ago I notified the creditor was told they couldnt do anything about it it was bad not fraud I have disputed it numerous times I have included a FTC report a police report and verification that I did not live at the address to which this credit card we sent Capital One has refused to take it off my report the amount is {$310.00} that is the past due amount they have closed the account four times every time it shows up on my credit report as a new closed account they have on numerous credit checks which also shows up as a hard check affects my credit theyve Not being cooperative at all not helpful at all
Consumer complaint received 2023-07-17
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)

This is my 16th 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (MA)

I deposited money into Gemini Earn last year over the course of a few months. On XX/XX/XXXX I attempted to withdraw the money however according to the website I transfer has been pending for months now with no result. 

They have over {$27000.00} of my money which is most of my savings and I have not gotten any response from the company or support whatsoever
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2023 I received a wire transfer of about {$8200.00} from a company that I regularly do business with. I have been receiving transfers like this on a monthly basis for about XXXX XXXX. A XXXX XXXX after receiving it, I logged into my business XXXX  account with JP Morgan Chase and the {$8200.00} I had received was gone. I did not receive any communication from the bank about this Transaction. 

In addition to the money disappearing, my account was frozen, and scheduled to be closed. Again, I did not receive any communication from JPMorgan Chase about these actions. 

Upon further investigation, JPMorgan Chase has shared with me that they believe the company who sent me the wire is suspected of fraud. There is currently no evidence to support that claim. Even if they was, that doesn't give the JPMorgan Chase the right to steal my property from my account. 

To try and resolve this problem, I have created cases with the XXXX  department the XXXX XXXX department, in the electronic money movements department at JPMorgan Chase. The case numbers are as follows : XXXX & XXXX. 

This issue is still unresolved, my money is still missing, and my account has been closed, and my XXXX XXXX was impacted because I missed a payment to a credit card without realizing it. The sad thing is, I am an employee at JPMorgan Chase. Even with my ability to reach out to contacts internally at the bank this issue has still not been resolved. this is exactly why People are flocking to decentralized finance solutions in droves. Give me my money back, and stay out of my account.
Consumer complaint received 2023-07-17
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. (TN)

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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-17
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. (NJ)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SF VAGO, LLC (TN)

Ive been with XXXX XXXX for almost XXXX  years. When I purchased my car my agent recommended the XXXX XXXX bank so I refinanced my car through XXXX XXXX bank for a better interest rate. All was fine until XXXX XXXX bank was bought out by a XXXX party company called EMVLP , LLC. Last XX/XX/year>, I made a payment and something happened and my payment was reversed. I didnt not know anything happened to my payment until I go a notification of a change to my credit report and that my credit score went down XXXX points. I contacted the company and they stated that sometimes they send out robot calls. I said would they have at least left a voicemail because this was around tax time and unless a voicemail was left people are skeptical of answering XXXX number phone calls. She stated that it depended on if the robot caught the voicemail right it would have left a message. I did not receive any voicemail. So no point of contact was made, no voicemail, no email or a letter in the mail. So instead of reaching out to a customer they reported it with not contact. I have had this loan for XXXX  years at this point. I always make payments on time and never have had a negative thing hit my credit and this cost me XXXX points. That was a little extreme. I filed a dispute through experian as well as the consumer financial to no avail. I am just wanting the company to take this off my credit since the lack of communication is what resulted in the payment being late. Had I been contacted I could have figured out what happened with my bank and made sure it was paid. Its not fair that my credit to a hit due to not communication on the companies end. Fast forward, I have spoke with the company and filed numerous disputes. However, the last dispute I received a letter stating that the payment was taken out on XX/XX/year> and it resulted in an NSF. I pulled my bank statements and on XX/XX/year> it shows as of that XXXX  I had money in my account. If their information is correct I am not sure why there was a problem with my bank since their was money in my account. I received no phone call, letter or email informing me of the payment being mess up. I had the loan for almost XXXX  year at this point and payments had been made every XXXX. 

I have attached the letter I received from the company as well as my bank statement including dates from XXXX.
Consumer complaint received 2023-07-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (MA)

CitiBank lowered my credit by half. I now have only {$72.00} available credit. This is going to look like I use 100 % of my card, when I intentionally keep that card at half usage so I have emergency funds available. CitiBank said they sent an email about the factors in the decision. The email reads " Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit. '' XXXX is unable to tell me what information was provided for the credit decrease. CitiBank is unable to tell me which information was taken from XXXX to determine the credit decrease. How am I supposed to know if neither CitiBank nor XXXX can tell me the factors leading to such a drastic credit decrease?
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency when it is listed that this company is not legally bonded and or insured to collect in the state of Alabama. Please have this company cease all collection activities, this is my last attempt to complain outside of court.
Consumer complaint received 2023-07-17
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. (VA)

I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXX servicing has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.