davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-07
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)

XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX  XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX Has violated my rights 15 U.C. 1681 section 602 as stated I have the right to privacy 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without Written instructions 15 U.S.C 1681c ( A ) ( 5 ) Section stated nor consumer reporting agency may make any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting to the consumer to any consumer reporting agency of the know or has reasonable cause to believe that the inform nation is accurate
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX XXXX XXXX has failed to provide me with information to verify debt .I have no knowledge of this account .This account is in direct violation of my rights. Per FCRA : 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. I demand the permanent deletion of this account from all consumer credit reports
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Recently, I conducted an investigation on my credit report and it made me really upset that the 3 reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX XXXX Account that starts with XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX XXXX Account that starts with XXXX. Additionally, this account for all XXXX agencies says this account is closed and should no longer be on my report. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the 3 agencies?

I have attached a copy of this account on my credit report for your convenience.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IN)

Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me XXXX insufficient fund fees which are charged {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (AZ)

I find it perplexing that your bureau has verified these accounts while the other major credit bureaus have acknowledged the error and removed them. This inconsistency raises concerns about the accuracy and reliability of the information on my credit report. Therefore, I request that you conduct a thorough investigation into these discrepancies and, if you find them to be inaccurate, erroneous, incomplete, or unverifiable, I demand their immediate removal from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect prompt compliance. I am concerned about the following accounts : XXXX - XXXX XXXX  XXXX.
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Atlantic Recovery Solutions LLC (TX)

Even though I told them Im struggling financially right now and I do plan to pay it off. They call me literally XXXX times a day harassing me. The lady even told me that I need to get my act together, and be an adult and threaten me with harsh words that was truly uncalled for.
Consumer complaint received 2023-08-30
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
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. (MA)

In accordance with fair credit reporting act. The list of accounts below has violated my federal protected consumer privacy and confidentiality under 15 US 1681. 
XXXX XXXX XXXX  acct # XXXX, XXXX Acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C 1681 section602 A states I have the right to privacy 15 U.S.C 1681 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 to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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. (PA)

by XX/XX/XXXX i just check my credit report on the diference agencys and i saw, some of my personal informartion are incorrect or innacurate.. and i have some negative accounts report in my report too. i submit letters and documents to validate the agencys are wrong..
Consumer complaint received 2024-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2023-12-18
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: KEYCORP (FL)

Hello, I have had to dispute the same account 4 times. They have a balance sitting in collections as a charge off for an item that was included in a XXXX XXXX which was discharged XX/XX/. They have updated it a few times and it keeps coming back. They are in violation of the bankruptcy automatic stay and the next step will have to be obtaining counsel.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I paid off close to {$50000.00} in student loans in the last few years. XXXX XXXX in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

Hello Citi bank has my money locked in my account because of a verification code they keep saying they sent I have even went into the bank in person showed all identification possible and yet I can not withdraw my funds. When I call by phone the agents hangs up the phones and say please call back once u can verify yourself. They have sent codes to the numbers on file I verify them all correct and they still will not unlock my account pleas help me get my money out of Citibank
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

On XXXX i sent XXXX a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any XXXX party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$710.00}
Consumer complaint received 2023-08-02
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. (GA)

the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the XXXX breach that happened hears ago. they would take it off then it reappears.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Several weeks ago I requested a copy of my credit report after being notified by the IRS that I was the victim of identity theft. Upon inspecting my credit report, I discovered 3 items on the report that I did not recognize. I wrote a letter to Experian notifying them that I was disputing the accuracy of the items, as well as requesting that they place a freeze on my credit report. I included a copy of the applicable police report and provided a copy of my driver license to establish my identity. On XX/XX/2024 I received a letter from Experian. The font is so small that a person with average eye sight would have great difficulty reading it ( an entire 2 paragraphs only take up a few lines on the page ), much less an XXXX individual.This makes it very difficult to read the letter to determine what actions are needed. Upon receiving assistance in reading the letter I learned that Experian had decided that the letter had not been written by me and they were therefore declining to take any action on it. This is despite the fact that I included a copy of my police report, as well as my driver license, and even signed the dispute letter. Experian is attempting to flaunt the law by : 1 ) arbitrarily deciding that disputes are not being filed by those whose names are on the credit report, and ; 2 ) providing notices in a font that is well below that which could reasonably be read, again, in an attempt to avoid being required to perform actions they are required to do under state and federal law.
Consumer complaint received 2023-12-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (NC)

On XX/XX/XXXX I received notice that I had made a partial payment due to changes from homeowners insurance which increased. There was a difference of {$380.00}. I received an email and a text informing me to make the correction. While communicating with XXXX  rep.XXXX, explained the reason for the change and I immediately corrected the default prior to the end of month XXXX XXXX with XXXX on XX/XX/XXXX. Due to the discrepancy and next auto draft had already been sent and I immediately contacted XXXX. I was told by XXXX  XXXX that the check {$3200.00} would be returned. So we initiated online draft for the full amount of {$3600.00}. After that transaction posted I saw on my XXXX Checking that XXXX  did not return the partial payment. They deposited it and overdrafted my XXXX checking account. I spoke with XXXX on XX/XX/XXXX she initiated the draft of {$380.00} since the partial payment was cashed. And was suppose to cancel the new payment. Spoke with XXXX about the email stating this problem would be corrected nothing for me to do, their error. On XX/XX/XXXX XXXX  XXXX along with XXXX customer service and I had a conference call and we were told that all funds would be returned in XXXX business days which would have been Wednesday before XXXX. No return on overnight from XXXX. XXXX  lied and then stole my money for the entire month of XXXX to include XXXX XXXX, XXXX and my mothers birthday XX/XX/XXXX. They have continued to lie when on XX/XX/XXXX XXXX informed/assured me I would get my money in XXXX business days again. Sent me an email again saying check had been sent. Then went in and drafted another {$3600.00} and then reversed it + {$3600.00} and then drafted {$3600.00} from my XXXX Checking. All total they drafted my account XXXX  times for XXXX payments of XXXX. They have lied to me for over 30 days saying they would return my money. They have caused financial hardship, misrepresented their position and ruined my credit standing with my bank. And still I have not received my money. {$3600.00} + XXXX overdraft fees. They do not have the right or the authorization to take my money and apply it to any future payments. it's my money and I want it back. They should waive all late fees, restore my accounts to good standing. Audit my mortgage account and adjust it for present homeowners policy. Today XX/XX/XXXX still no check, no refund and no contact from XXXX.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : ( XXXX XXXX. ( XXXX XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,