davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (NY)

Hard inquires that I don't recall. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cash Link USA, LLC (TX)

I received a threatening phone call from XXXX with XXXX XXXX. He claimed I wrote a check that was returned as NSF. He claimed I was on a recording denying to pay the check. Threatened with legal action if I do not contact and pay the debt. I saved the voice mail if needed. I am attaching a letter that was sent, after I called to find out what this was about. To the best of my knowledge I never had a loan with XXXX XXXX.
Consumer complaint received 2023-12-11
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. (CA)

value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested record is settled. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Consumer complaint received 2023-12-11
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

On XX/XX/23 I wrote Experian to investigate hard inquiries on my credit report I do not recognize. I never gave the company checked my credit report permission to do that in any type of way! I never heard back from Experian and the companies are still reporting on my credit report without my authorization or consent. I called the companies on my credit report with you all and they said I needed to fix it with you, that they don't have any power over this.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, I discovered that my checking and savings accounts had been hacked. The hackers also transferred {$3000.00} from my US Bank credit cards into my saving account, and also withdrew that money. The total amount stolen was approximately {$6000.00}. I notified the bank immediately on XX/XX/XXXX that my account had been hacked. Two days later, the bank declined the request to put the stolen money back into my account and accused me of stealing the money. They said the hack was done from one of my devices. This accusation would be impossible, I was home alone that day and my devices were with me. I'm on Social Security and the money that was stolen is all the money I have to live on. I have been with US Bank for over 15 years and nothing like this has happened.
Consumer complaint received 2023-12-11
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)

I mailed on 2 different occasions certified letters with tracking numbers for XXXX to validate a few accounts and mail me back their actions. Ive received no response from them nor have they allowed or showed cause of validity of validation on my credit report for the accounts. 
Per 15 USC 1681 ( I )
Consumer complaint received 2024-04-25
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-25
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-11
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. (MI)

I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX. I contacted Experian, XXXX, and XXXX several of times to address this issue, which involves an account displaying incorrect information. 

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation. 

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing.

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question. 

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA.

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report.

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.
Consumer complaint received 2024-04-25
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-11
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)

According to the fair credit report act the list of accounts have voliated my federal protected consumer rights to privicy and confidential under 15 usc 1681 Acct name : water fall revenue act # XXXX 15 u.s.c 1681 section 602 A states I have right to privacy. 15u.s.c 1681 section 604 A section 2 it also states a consumer reporting aganevy can not furnish a account without my wtitten instructions 15u.s.c. 1681 states no consumer agency my make any consumer report containing any of the following items of information any others adverse teams of information other than records of convictions of crimes which aquects the report by more then seven years 15 u.s.c a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-11
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2023-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.
Consumer complaint received 2023-12-11
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. (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 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 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (OH)

I bank with Chime an online bank for over 3 years. On XX/XX/2023 I received a text message that my phone number has been changed on my account and to call member services if I did not change information on account. So I called and advised that I did not make the changes over XXXX of my money was spent unauthorized charges on my account Chime has been denying my claim saying that there are no error found and I have requested documentation of their decision they said it takes 10 days and yet and still I have yet to get these documents and they will not replace my funds they keep denying my claim and 2 rebuttals I have sent them police report I have sent them screen shots I of the merchants advising to have the bank charge the funds back nothing please if you can assist in anyway possible!
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I received a text message from Bank of America asking me to verify two transactions and to reply yes or no to verify that it was me attempting these transactions. I replied no to both and was told a fraud specialist will be in contact with me. I then received a call from a 1800 number that is the same number as Bank Of Americas customer service phone number. The male on the phone stated that some transactions had been attempted on my debit card and theyd be cancelling the card and sending me a new one. I became a little suspicious so I googled this 800 number and it was in fact bank of Americas phone number. He then stated that a charge just went through for a restaurant in Texas called XXXX XXXX in the amount of {$16.00}. When i looked at my account, sure enough, there was a new charge for this restaurant he just stated in Texas. This made me realize that I must obviously be speaking with someone from Bank of America. He then went on to say that there were also XXXX transfers pending for the large amounts and if I was trying to XXXX someone. I stated no and he said since they were already in progress, they couldnt be cancelled. But that BOA can reverse them by XXXX  myself for the amounts. He walked me through the steps of XXXX myself to my phone number that I had on file with Bank of America and XXXX in the amounts of {$3900.00} and {$1700.00}. Upon trying to have me do a 3rd transfer, I had to log out of my Bank of America app and log back in because it was freezing. When I attempted this 3rd transfer, I saw that I was about to XXXX my XXXX  name and my phone number, but I now saw that it said registered with XXXX as XXXX. That name did not show for the prior 2 XXXX transfers. I also received a text message from a XXXX  XXXX XXXX  stating that my XXXX  name had just sent a transfer in the amount of {$3900.00} and {$1700.00} and that its being deposited into some account with them. I immediately hung up the phone and contacted Bank of America myself. They told me that they had not been in contact with me and that I had just been a victim of fraud. Ive since filed a claim with them and its been over a week now. My XXXX depends on this money. Ive since also filed a police report with my local precinct and have Detective XXXX on the case. Ive also filed a claim with the FBI and have contacted XXXX XXXX XXXX  as directed by Detective XXXX to make sure there wasnt an account there opened in my name and I wasnt the victim of identity theft. They told me I do not have an account open with them. I just need this matter promptly resolved. I dont understand how someone can change account information on my BOA XXXX account and I not be notified AT ALL about that
Consumer complaint received 2023-12-11
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)

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected or resolved right away. 
XXXX XXXXXXXX
Consumer complaint received 2023-12-11
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. (PA)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

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 XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-11
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. (DE)

Inaccurately reporting my private information is against the law under you and this company needs permissible purpose. Attached is proof of the information being inaccurate.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-12-11
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. (NV)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX 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 2023-12-11
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX