davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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)

I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action. 

Upon thorough examination, I have identified an installment account, labeled as XXXXDept of ED Loan , with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings.

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report. 

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA. 

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within 10 days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, I have checked the response to me, which was provided at XXXX today, which claim number is XXXX. At first, in the dispute/complaint submitted on XX/XX/XXXX, I explained to your company that I am a XXXX nationality and born in 1972. In common sense, one who was born in 1972 is not worth in duty for the XXXX in any country except those who are high ranking. And I am a XXXX nationality ; therefore, logically, I can not understand why I am on duty in American XXXX. From all of these, it is clear I am not in the military ; therefore, the active-duty alert is not appropriate for a XXXX nationality and a person born in 1972. What I requested was to explain why you added this statement. As far as I understand on any legal paper, if the content says a statement, it must be made and written by the person in question himself/herself ; therefore, it should not be your company. Since you have added this part, you have received some statement from somebody. Since I know myself, I did not ask you to add, you must have known and acknowledged this person. If correct, then, your company had some part to cause me to add myself Fraud Alert in the end. If you believe yourself, you are not in part to cause this legal issue, you need to clarify the excuse legally to me. And, since you and another credit report company have created the condition which might be suspicious to cause the legal issue, identity theft, the fraud alert should not be removed. That was the reason I asked to extend the fraud alert. Therefore, I did not ask you to remove fraud alert itself. I request strongly not to mention any more these issues. 

Sincerely,
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NV)

I have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all Equifax and XXXX credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that Equifax, XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Please provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I opened an account with Citibank early XX/XX/2024 and deposited electronically {$100.00} after that I deposited 2 checks one for {$20.00} from XXXX and the {$1800.00} from the IRS for reimbursement from my school loans. After I deposited the checks I was approved for my new apartment and so I updated my address just the same as the other account so I have. The app told me I had to wait 21 days for the {$1800.00} IRS and 24 hours for the {$20.00}. 24 hours past and the {$20.00} wasnt available I gave it another 24 hours but when I tried to access the app I was asked verification questions which one was my account number. I hadnt received correspondence as of yet with the account number so I didnt know it and decided to call customer service. Then I was told my account was being closed due to a suspicious fraudulent check. I was completely puzzled and became upset because I wasnt being informed on why it was fraudulent. I asked to speak with a supervisor she was rude and advised she couldnt give me any information I had to wait on a letter in the mail. She wouldnt even tell me if the check was cashed. I in return took the check to my main bank XXXX XXXX and asked the teller to run the check to see if it was cashed. The teller advised the banks have a website that gives them direct access to IRS checks for validation she seen my check and who it was cashed by which was Citibank. In other words the check never had fraud risk! I received the letter finally later in XXXX which gave no reason only that I violated a policy. I called back still was not advised on why only that I had to wait 90 days to have the remaining funds mailed to me. Another 2 weeks past I called to get the reason and I was told it was due to my address and that I can go to a branch and verify my identity. I became upset and asked why wasnt I informed of this prior. Why when I talk to different reps I get different answers? Unfortunately Citibank doesnt have anymore branches in XXXX XXXX Texas . So I called back to see if it was another solution and I advised no I had wait for valid funds that belong to me. I called back today to check the status and was hung up on by XXXX in account solutions this experience has been horrible. I was depending on those funds to assist in my new move it has been struggle not having something you factored in your bills. Honestly the worst part for me has been this company and its customer service. For this being a long standing company the customer service sucks and its not all but most. I talked to more uncaring than caring at this company. Im highly disappointed and will never do business with anything associated with Citibank again ever in life.
Consumer complaint received 2023-12-05
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. (GA)

Credit Pulled Fraudulently : Listed below on my credit report was hard inquiries from vendors and creditors who never had authorization to pull my credit written or verbally. I wish to dispute this fraudulent application and inquiry as I have been denied credit due to this fraudulent pulling of my credit report. If authorization can not be provided I wish to have the inquiries removed as this was not authorized and is reflecting against me with vendors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
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. (IL)

am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation. 
72 and remove them permanently
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Phoenix Financial Services LLC (CA)

My credit was damaged, they have defamed my character with these fraudulent charges! I do not know/Authorize Phoenix Financial XXXX Nor do businesses with them at all! 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Phoenix Financial
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my XXXX XXXX. 
THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you
Consumer complaint received 2023-11-01
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: Exeter Finance, LLC. (TX)

These are the companies that I found on my credit file. These were done fraudulently without my consent. I dont know how my information was used to make these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I had a {$3.00} charge on XXXX XXXX  which I was unaware of until three months later. It was reported to the credit union without giving me an Opportunity to pay. I had a credit card on file that expired. It reduced my credit by XXXX points.
Consumer complaint received 2023-12-05
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. (NY)

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 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 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am unaware of these debts. I did not have the opportunity to dispute these debts. I never received proper notifications involving these debts. If in fact it is believed that I have anything to do with these debts please provide proof with a verified and signed documentation. I'd like to have these removed from my consumer report immediately.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have not received any information of this collection and why they are charging me {$860.00} not once but twice. Ive reached out multiple times and all they want is my social security. I have actual medical collection bills that have provided me proof of the date, treatments and costs of everything. None of those items come close to XXXX. I am asking for these negative charges to be removed off my report, I have already disputed these items of XXXX XXXX, and equifax multiple times.
Consumer complaint received 2023-07-27
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)

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (CA)

Currently a firm called XXXX XXXX XXXX XXXX contacted me and said they have recovered my funds.But they want a {$1000.00} deposit before they can return some of my money. This firm is supposedly in XXXX XXXX  and XXXX XXXX. The person who has been speaking with me for 6 months is in XXXX The telephone number posted is XXXX XXXX XXXX XXXX is the person with a XXXX XXXX XXXX XXXX XXXX certificate to practice law, dated XXXX. I don't know how to vet this law firm because no address is listed, only a phone number a & contacts me through email & text. 

Person says someone goin g to contact me this coming XXXX, XX/XX/XXXX. To handle a refund to me. I don't know what they XXXX do but afraid to give my personal bank in formation. 

I am hoping you can give me any information as to the validity of this law firm so I don 't get scammed as second time. My initial {$400000.00} was scammed by a XXXX woman who disappeared with my funds. Reported to FBI more than a year ago but no response. 
Hoping to can help vet this law firm that says they ago list of names including mine from you. Is this true? If not they nature also scammers. They also supplied me with a certificate from you saying they weren't approved to recover funds from trading, crypto, etc. Can you verify this XXXX XXXX is what I need from you.
Consumer complaint received 2023-12-05
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. (KS)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX