davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies.

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : FLORIDA DEPT OF REVENUE Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to delete these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

This is in my report and it is incorrect I want it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-19
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. (VA)

Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with XXXX XXXX XXXX credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from XXXX  was returned undeliverable. I finally received a bill from XXXX to my physical address om XX/XX/XXXX stating that I owed XXXX {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from Experian Credit stating that I am overdue in payments to XXXX and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if XXXX would have sent a bill to my physical address instead of online.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Public Law 73-10 states all debts public and private are obligations of the government. 
In addition " And because you have my social security number, what is legally taking place is a trust action- with me as the beneficiary and with XXXX as the trustee. As the trustee, you are the authorized representative of XXXX that has the fiduciary obligation to act in a way that will benefit me, the beneficiary. However, your company is in violation of trust laws as your corporation is accepting my electronic funds transfers personal checks as payment while also redeeming the coupon which is receiving double the payment for the same obligation and that is a crime. This is malfeasance, a violation of trust law and may be reportable under the Sarbanes Oxley.I am indeed without a doubt the beneficiary of the social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you the corporations and agencies involved are the trustee with a fiduciary responsibility/obligation to do whats best for me the beneficiary.The are also in violation of the FCRA and the FDCPA as well as other Uniform Commercial Codes.They also verified accounts and closed my previous disputes without a reasonable explanation.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit 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 accounts 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 : {$170000.00}, XXXX XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}
Consumer complaint received 2023-06-22
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. (TX)

I am requesting to you that I want you to help me eliminate the inaccurate items on my credit file. The particular item 's position that are recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest request on my credit report, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. The following items should be removed quickly : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX , TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-08
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 checked my credit report and found that some of the data were incorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-06-22
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: Experian Information Solutions 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 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the Southwest Rapid Rewards card with the following offer : Earn XXXX bonus miles after you spend {$1000.00} on purchases in the first 3 months from account opening. I have not received this sign on bonus after spending over {$2000.00}. I contacted Chase multiple times about this and have been told that I do not meet the requirements. This is now the XXXX time this has happened to me. Chase bank is doing XXXX  business practices. They claim the offer was actually spend {$3000.00} get XXXX. What they appear to be doing is running XXXX parallel offers and do a bait and switch on the consumer, saying they actually signed up for the other offer. This is illegal.
Consumer complaint received 2023-04-14
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. (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 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 2024-04-08
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: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I am still continuing to have issues with Fifth Third bank. I am beyond sick of issues and fees with this bank I called in because I was assessed two {$37.00} fees, and the guy couldnt even give me a clear answer at first as to why the fees were even assessed to my account because the one transaction he claimed that made my account negative was not the actual one so then he said it was two other transactions and it short my account was charged a {$37.00} fee for being overdrawn {$1.00} approximately and then a separate transaction for 10 or {$11.00} from XXXX I have been having continuous issues with the my advanced feature on the app not working and at the time I had more than enough funds to initiate the my advance feature which shouldve covered the -11 or {$12.00} on top of that I wouldve had up funds of the 11 or {$12.00} in my account if I did not have unauthorized transactions on my account that I had to file dispute for for companies charging me illegally without my permission Furthermore, I want to add that I did try to even use the 24 seven chat feature at Fifth Third offers, and I spoke with an agent who said that he was looking into the matter of the fees and the transactions, but never actually came back to respond to give me any account information for almost 30 minutes he kept reading my messages I said OK and read but the agent actually never responded. Ive been having nothing but customer service issues and overdraft fee issues with this bank repeatedly I always bring my account to the positive by the end of the day if my account is negative at all and if theres other ways that Im supposed to do that because once again, Fifth Third mobile app is not working and sending me messages saying that its not able to do transfers and so forth then what am I supposed to do? How am I supposed to know to go through other platforms on Fifth Third to fix their technical issues that keep happening, especially when the 24 seven customer support doesnt provide any help
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (OH)

My ex-husband and I have a consolidated spousal loan ( we understand that once the federal government updates the application process we will be able to uncosolidate the loans ). 

Federal Student Loans had me as primary on the loan ( the entire spousal loan was showing under my federal student loan account, and showing XXXX under my ex account ) My ex-husband qualifies for PSLF Prior to Mohela taking over PSLF my ex husband applied for the TSPLF forgiveness and federal student aid kept telling him he doesn't have any student loans and therefore does not qualify ( I was primary at that time so despite us explaining that to them and asking how to fix it, they just said sorry you don't qualify and would discontinue the conversation ) Mohela is our servicer on the loans, and they told us to wait until they took over and to reapply since they can see our joint loans. We did that, and the loans were updated as making the XXXX payments and qualifying for forgiveness. 
During the process of applying for PSLF federal student loans then switch my ex husband to the primary, and my federal student aid account dropped to XXXX and I no longer have access to the account. 

Mohela however has me as primary on the joint consolidated account serviced by them. Therefore, I think every time they send over the request for discharge Federal Student Aid looks up the discharge under my social and sees a XXXX on my account. 

We have spent countless hours with Mohela trying to explain that my ex social needs to be on request, and we either get someone that doesn't understand, or tells us to wait. We have had a number of individuals tell us they would fix this and then resend the request to federal student aid.

Despite the numerous attempts to get this discharged, we are still showing a full loan balance and no discharge.

Any assistance would be appreciated as we have spent so many hours with Mohela, and Federal student aid will only talk to my ex ( despite me being jointly liable on the debt as a whole ) This has been going on well before XX/XX/, but I attached the status from Mohela. I have no idea why they have multiple applications, but they keep sending us the same form below and nothing is happening.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited a check on XX/XX/XXXX at XXXX pacific time. The anticipated deposit date was set to XX/XX/XXXX. On XX/XX/XXXX at XXXX pacific time, capital one emailed me that my funds will not be available until XX/XX/2023. The customer service agent I spoke with said he had to get me to another department. I am still on hold. There is no quoted time of how long someone will be. There are also no capital one locations where I can go and speak with someone about this.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Dave Operating, LLC (MA)

On XX/XX/XXXX at XXXXXXXX XXXX i made a deposit in my dave banking app from XXXX of {$3400.00} only for it to get rejected because funds were over {$1000.00}, but account did not show funds were received or rejected until XX/XX/XXXX. The {$3400.00} was place on a hold from the bank and when i contacted to them to release the funds they had no idea where it was, they had contact XXXX  they lied to me and said on after 5 business days it would be returned which didnt happen, they took the situation to corporate just to tell me they had their executives handle it only and told me to wait on a update. On XX/XX/XXXX they terminated my account and now i have no way to contact the company or know where my {$3400.00} is or when it will be returned.
Consumer complaint received 2023-08-23
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX