davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts 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  Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Consumer complaint received 2023-10-17
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richard Stone & Associates (TX)

I have reached out to the debt collector multiple times, showing them proof the contractor did not do the work they are claiming. I have asked them multiple times to send any kind of proof that the contractor did any of the work they fraudulently claim. They never send any proof. 
I have also asked them 5 times now to take me off their automatic emails, and they refuse to do it. Claiming I gave the contractor my email, so they can now use it. 

XXXX XXXX XXXX is committing fraud by attempting to charge for work they never did. Richard Stone is committing fraud by attempting to charge for " {$50000.00} Arbitration/Investigations/Interest/Administration '' There has been no arbitration, investigation, they have no claim on interest ( because nothing is owed ) They are also threatening to file lawsuits, liens, charges with the State of Texas and credit bureaus. Richard Stone has been highly abusive with their communications.
Consumer complaint received 2024-04-05
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. (TX)

This account was charged off on, ( XX/XX/year>. ) Since then this account has repeatedly been updated as chargeoff every month. There is an update in the payment history. A chargeoff account should NOT include an active payment history. This inaccurate information falsely manipulate the stature of limitations. You failed to investigate this account properly and your negligence has violated my rights. I am demanding a deletion of the following account : XXXX
Consumer complaint received 2023-10-17
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. (TX)

I checked again my credit report and found that some of the data were still incorrect. The XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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: SLM CORPORATION (CA)

I have 3 hard inquiries on my credit report for accounts that were never opened as a result of identity theft.The hard inquiries must be removed within 4 business days per as per USC 1681c-2
Consumer complaint received 2023-10-17
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. (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 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MA)

I have a line of credit with fortiva retail credit. Never had a credit card line delay payments and dont allow you to pay when ever you want before due date. They give dates that they want you to follow if you pay early but its not convenient for you. It really feels like jumping through hoops just to be proactive and pay debt down.
Consumer complaint received 2023-10-17
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. (GA)

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX
Consumer complaint received 2023-10-17
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. (LA)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX 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 2023-10-17
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. (LA)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX 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 2023-10-17
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I have an Ashley Furniture store card thru Synchrony Bank. I made various purchases on my card with minimum payments of around {$180.00}. I pay XXXX XXXX  monthly. XXXX charge made for {$580.00} or so for XXXX year of deferred interest expired in XXXX or XXXX. I was charged {$200.00} of interest. I thought my excess payments and allocated payments would have covered it. I called and spoke to a representative and supervisor. I was told {$260.00} still remained. I asked if I could just pay the {$260.00} and get the interest adjusted. I was told no since it was over 30 days. This is very unreasonable and questionable since my excess payments should have resolved. I paid {$260.00} on my card on or about XXXX. I am requesting adjustment of interest for {$200.00}.
Consumer complaint received 2023-10-17
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
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. (PA)

XXXX XXXX  is refusing to remove an account that has past the 7 year time period for reporting derogatory accounts under the FCRA this is a violation and the account listed below should be removed immediately. 

XXXX XXXX XXXX XXXX - # XXXX. 

This alledged account is reporting a Last Payment Date XX/XX/2016 which is more than 7 years ago. 

Delete this account it too old. 

Please see partial copy of my Trans Union Credit report.
Consumer complaint received 2023-10-17
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-04-05
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. (TX)

This account was charged off on, ( XX/XX/year>. ) Since then this account has repeatedly been updated as chargeoff every month. There is an update in the payment history. A chargeoff account should NOT include an active payment history. This inaccurate information falsely manipulate the stature of limitations. You failed to investigate this account properly and your negligence has violated my rights. I am demanding a deletion of the following account : XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax not only was unwilling to look into the inquiries that were a direct effect of having been the victim of identity theft caused by XXXX County Department of XXXX XXXX XXXX and their negligence resulting in a data breach and my birth certificate being stolen out of their file for my case with them. Also I had to pay out of pocket for this document to be replaced and still haven't been recompensed. 

But also my birthdate and social security number weren't correct in Equifax XXXX database.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I opted out of XXXX XXXX products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXXXXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (VA)

XXXX Previously i reported that PNC bank refused to provide me with the information they had on a fraudulent credit card application made in my name with my SSN. I received a phone call from someone named XXXX at XXXX on XX/XX/XXXX informing me that since I hadnt uploaded any documents on your site, they still deny me the information. I did receive information from XXXX bank but since PNC is denying me this information I am now having to pursue this with yet another bank for verification of the information received from XXXX bank. Identity theft is a federal crime. PNC is not cooperating with this federal crime. Please take action. 

I did mail all required documents to PNC, return receipts requested. 
See uploaded documents on this site.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, 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. (PA)

According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the XXXX data breach there are accounts, name, addresses, and inquiries that I did authorize.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wanted to bring to your attention that on XXXX, I submitted a request to have my personal information corrected. However, it has come to my attention that the necessary corrections have not been made yet. I kindly request your assistance in rectifying this matter as soon as possible. Thank you for your attention to this issue.
Consumer complaint received 2023-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (FL)

I called the number on the back of the gift card on XX/XX/XXXX. I was told they needed a copy of the receipt, a copy of my ID, a copy of the front and back of the gift card. After the phone call, I sent all the information that they asked for on XX/XX/2023. The company said it would take up to 45 business days. So I waited and received a email from them on XX/XX/XXXX that asked me to send the receipt as if I did not send it on XX/XX/XXXX. Todays date is XX/XX/2023. I have called on a number of occasions and the information that I requested which was for them to let me know what emails they were able to see that I sent and the company is unable to provide me with the information. I have been waiting for three months for the company to issue me a new gift card because the first one that I purchased was defective. The front of the card only had 12 numbers in the back of the card did not have a security code.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.
Consumer complaint received 2017-05-08
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. (CA)

I have sent IRS No tice of Withdrawal of Federal Tax lien  to  XXXX ,  XXXX  and Experian to delete the entry from our records, and they have not.