davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Capital One XXXX Who I have been a customer with for 10yrs or more decided to freeze my card due to suspicious behavior. They have given me the run-around in my NUMEROUS ( 5 ) attempts to resolve the problem. I no longer afford my own internet and they would not accept the phone I was wanting to use to receive their confirmation # 's. I also changed my address to much issue with the USPO, now resolved ; and they refused to accept my notices of change of address. I have continued to pay off the card, which they have accepted to no avail of a resolution. I even went and made copies of my IA drivers license and sent it with the confirmation code given to me by them. They confirmed receipt but refuse to talk to me as the card owner and tell me what the problem is even about. " the card is smudgy '' They have even recently charged me interest on a paid in full account and refuse to tell me why. I have tried everything in my power and feel harrassed and disrespected by them all in the name of " protecting '' the very person they are in a contractural agreement with. This has taken up hours of my time and I am still unable to resolve this. I dont feel sending my ID in the mail is an option.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has a inquiry on my under my name & social security number. I did not apply for XXXX XXXX. I contacted them with XXXX  & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a inquiry.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 XXXXXXXX has violated my rights. Or 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 2023-04-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were XXXX years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and Portfolio Recovery Associates to validate the accounts.
Consumer complaint received 2022-12-01
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2023-07-31
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-04-02
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. (IL)

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have a XXXX XXXX account on the adverse section of my TransUnion report. It is too old to be on my report, and the Transunion account shows that the item is due to be removed in XX/XX/, which is the current month. 

I submitted a dispute, and the results came back that Transunion deleted the XXXX tradeline. However, it is still there. I chatted with someone via the chat option as every time I called the line would disconnect from Transunion 's end. The representative could not tell me why it was not deleted even though it has met the seven-year timeline. 

This is incredibly frustrating and I would like this old XXXX tradeline to be deleted as they said it had been.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

Earlier this month i had gotten my wallet and information taken.And my bank cards compromised The Banking Company Named ChimeOn the XXXX of XXXX and XX/XX/XXXX i received a message saying i spent {$730.00} and one for {$270.00} on XXXX A total of XXXX XXXX i had called and told them it wasnt me they said the transaction has to be settled before i can cancel or dispute. Days later i called them and filed a dispute and they keep denying it and based the out of the bot they use. now im stuck while losing money .Just not fair at all
Consumer complaint received 2023-04-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick K Willis Company Inc (PA)

This notice is a Cease and Desist! American Recovery Services unlawfully obtained my nonpublic personal information from XXXX XXXX XXXXXXXX without my consent. American Recovery Services then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of XXXX  XXXX XXXX. XXXX XXXX XXXX does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I qualified for a program through the state of Pennsylvania ( PHEAA ) for a payment in the amount of {$6000.00} to my student loan account with EdFinancial on my behalf. The payment was made in XXXX of this year and has still not been applied to my account. EdFinancial has confirmed they received this payment, however they have not given me a date in which it will be applied to my account. This is unacceptable for them to hold a payment for almost four months without posting it. I have contacted them multiple times about this but have received no resolution.
Consumer complaint received 2023-04-26
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: NAVY FEDERAL CREDIT UNION (GA)

Contacted NFCU on XX/XX/XXXX because the initial check was rejected and to issue a new vehicle loan check. I was advise to request the dealer to mail the old check back and for me to come back into the branch to sign a new check. Upon waiting for the old check to arrive the dealer passed away and NFCU never received the check back and I'm not on the hook for a vehicle that I don't possess. I reached back out to NFCU to resolve this account and provide any details to move forward with this dispute.
Consumer complaint received 2023-12-27
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. (FL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-04-26
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. (TX)

I have sent certified letters to all three credit bureaus with tracking and receipt tracking. I have sent a letter to remove inaccurate personal identifying information to all three bureaus on XX/XX/2023 that included my drivers license, phone bill and social security. I've also sent a letter to all three bureaus to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification was sent to all three bureaus on XX/XX/2023. They all have lapsed with the time frame to reply with my last request on XX/XX/2023 and are still reporting with inaccurate personal identifying information. 

In accordance with the FCRA, all three bureaus has violated my federally protected consumer rights under the following Consumer Code of Laws. 

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality under Receiving a post card with any update from XXXX and having the postal service know what is being done is also violating my privacy. 
15 U.S. Code 6802 Not one creditor gave me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did not receive Method of Verification requested Per FCRA 611 ( a ) ( 7 ) did not reply in 15 days 15 U.S. Code 1681i ( a ) a complete investigation Per FCRA Section 604 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 a
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IN)

I used the XXXX XXXX XXXX XXXX Credit Card to order a {$500.00} XXXX gift card online on XXXX  to my address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IN, XXXX. But I did not receive it. XXXX insisted that they have delivered it. There is no building number in the photo XXXX ( in the attachment ). Thus, they may not deliver my package. Even if they delivered it, I did not receive it so I guess that the package was stolen. 

According to the regulations shown in XXXX  ( in the attachment ), my case satisfies that the " an item You purchase is damaged or stolen within the first ninety ( 90 ) days from the date of purchase ''. According to the XXXX, I filed a claim in the 90 days. Thus, I think that Wells Fargo should reimburse me {$500.00}. However, in the phone call recording " XXXXXXXX XXXX XXXX XXXX XXXX '', they said that they have lost my dispute and denied this claim. 

Thus, I would like to ask for help from the CFPB. Than you so much!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( XXXX, XXXX and Transunion ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of 45 days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on TransUnion : XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XX/XX/XXXX I did not authorize please delete.
Consumer complaint received 2023-11-02
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. (NJ)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-07-05
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX