davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$4400.00}
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

My credit card was stolen and used there are fraudulent charges on this account Navy Federal has refused to correct the issue instead they are updating the dates and balances and account history each time I dispute the account prolonging the process also the account has been reported charged off but I received a letter from a collections company whom Navy Federal has sold the account to trying to collect on this debt. As a victim of identity my information should have been kept confidential. I am entitled to a full investigation and removal of this account. This account does not follow FCRA guidelines and is a violation of my rights as a consumer. This account is reported charged off which means a 1099-c should have been mailed to me regarding this action made regarding the accounts status. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report.
Consumer complaint received 2023-12-15
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: Credence Resource Management, LLC (SC)

What happened is that i was trying to buy a house and i realize that there is damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. It is a defamation to my character.
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: EQUIFAX, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I XXXX XXXX currently have a Fruad account and inquiries on my credit report. 

Account XXXX. XXXX {$2400.00} Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc. (OR)

Complainant is an identity theft resolution specialist employed under power of attorney to represent a victim of identity theft. 
Square , Inc opened an account using the victim 's information and mailed to the victim a debit Mastercard. The victim reported this fraud to Square on multiple occasions without response. Complainant as sent via US Postal Mail to Square , Inc. reports of identity theft in XXXX and XX/XX/2024 without response. 
Square was provided a notarized affidavit of identity theft, copy of a police report filed with the XXXX Police Department in XXXX, XXXX, as well as proof of identity. In the reports of identity theft it was requested the

account ( s ) be closed and Square provide written confirmation that the account ( s ) was/were investigated and closed as fraud and that the victim is not responsible for the account ( s ). This is a standard request and the victim is due this under federal law. Square has failed to even acknowledge the victim 's and complainant 's repeated requests. The
victim is aware that Square has an established history or making it difficult for identity theft victims to report and close fraudulent accounts in an effort to make additional money off the fraudulent accounts.
Consumer complaint received 2023-12-07
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. (PA)

XXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-07-20
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. (MI)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2023-03-24
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. (AL)

In accordance with 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Equifax has XXXX XXXX XXXX reported as XXXX late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX reports. Which is a violation. This is causing me financial injury and impacting me from buying a house. 

I've attached my letters and their response.
Consumer complaint received 2023-05-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Comerica (CA)

I hav multiple commercial realestate loan With my Bank XXXX Comerica Bank ) close to XXXX XXXX now I paid all the loans off I noticed that 2 swap loans out of 4 the realestate that the assets ( Building ) was sold over 4 years ago yet the Bank never stop taking the payment every month via XXXX for Principal and interests they never credit me back or closed the 2 Swaps loans I dont understand where all the payment went close to $ XXXX in payment I dont understand why the refuse to address this matter with a specialist at the Bank so I can have a clear understanding how all my payments were applied I need your help the Bank now is putting a lot of daily pressure to get me to close the 2 remaining swaps loans please call me or email me ASAP
Consumer complaint received 2023-09-12
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. (SC)

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 2023-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (GA)

Phoenix financial services have violated the No Parking rule in compliance with the FTC. They fail to notify before reporting to the credit bureaus also they didnt send verify any debt. This is clearly in Violation of my rights. I discovered the information while applying for credit which is unfair to me
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-04-18
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-12-15
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian XXXX  XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OH)

On XX/XX/2023 I sent my daughter XXXX dollars. Chime advertised that you don't have to have an account to receive money. When my daughter tried to add the money to her bank card she was denied access to the funds. She then send a text message to chime letting them know what problem she was having and was told that she would need to open an account in order to receive the funds. I she did not want to share her information with them. And they said they would send my money back to my account immediately. It never happened. So I called a chime number off the internet and explained what was going on. They said they could help me get my money back on XX/XX/2023. The person asked me to verify my information and amount of the transaction. And I told them. This person. They then proceeded to transfer my money from whereever it was held back to my account. Within minutes I saw them transfer money back to my account and then transfer my money from my account to XXXX XXXX XXXX account. I ask what they were doing and why did them send my XXXX dollars to that account. I got hung up on for the rest of the night. I then tried to file a complaint and ask for a refund and they told me they would investigate and that I was eligible for a refund only to send me a message in 2 days saying they investigated my complaint and they would not be giving me a refund and they would close the case and sent me paperwork of there findings. They said they did not find anything wrong.
Consumer complaint received 2023-12-15
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 2023-12-25
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: EQUIFAX, INC. (MI)

By law, I am supposed to be paid for everything that was erased from my credit report over the years, and I havent received not one payment. In the below video is what Im required to receive. 

Evidence : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-15
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, states " there is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impaartiality and a respect for the consumer 's right to privacy. " I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. " It is policy of the Congress that each finanicial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' 15 USC 1681 604 a sec 2 " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. The financial institution and the consumer reporting agencies do not did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to all reporting agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. A financial institution may not disclose nonpublic personal infoemation to a nonaffiliated third party UNLESS the consumer is given an explaination of how the consumer can exercise that nondisclosure option option, per 15 USC 6802 ( b ) ( c ). These agencies Never informed me of my right to exercise my nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 USC Code 1681 A consumer may exercise their right to optout at any time. " I am opting out of your reporting services ''
Consumer complaint received 2024-09-21
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, someone placed an online order using my credit card at a XXXX for {$640.00}, and then they tried to purchase roughly {$900.00} worth of merchandise at XXXX, which Bank of America denied due to suspicious activity. Within the hour, I reported this as fraud, and Bank of America opened an investigation and sent me a new card. On XX/XX/XXXX, Bank of America got back to me and denied my fraud claim saying that " I received the merchandise '', which isn't true since I didn't purchase it and wasn't in the same city where the transaction occurred. After this, they published the transaction to my credit card statement, so I'm currently on the hook for the {$640.00}.
Consumer complaint received 2023-12-15
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. (NY)

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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/year>, I submitted an ACH payment of {$2300.00} from my SoFi checking account to pay XXXX XXXX XXXX XXXX  for a security deposit on a rental home. The money was debited from my account the following Monday morning, XX/XX/XXXX. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX XXXX that I did not qualify for the rental home and that I would be getting my {$2300.00} back but that it would take up to 30 days. 

After explaining to XXXX XXXX XXXX XXXX that waiting 30 days for my money back was unacceptable, because I needed the money to use towards another rental home before the end of XXXX when my current lease ends, they said they would try to get me the funds sooner than 30 days out. 

On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX stated that the funds were finally showing as pending in their bank account and that the following day the funds should be available so I could come pick up a refund check. 

I received a call from Place To Be Properties on Wednesday  XX/XX/XXXX stating that the funds disappeared from their account and are not available. I immediately reached out to SoFi regarding this issue and they were adamant that the funds had been drafted from my account and were at the merchants account. 

I have filed disputes and have been provided with a trace # that has given me ZERO information. The merchants bank is XXXX XXXX and I gave them the trace # of my payment, they state they get absolutely no results with the number provided. 

My money is sitting in limbo somewhere and no one will give me any answers. I have talked to XXXX or XXXX different representatives from SoFi and they have all told me the only thing I can do is file a dispute and it would take XXXX business days for a response, but I have gotten a response from them within hours of each dispute and they give me the same answerthe trace # and then they close out the email conversation so I cant even respond asking for the documentation they state they have. I just want the money to either be returned to my account or sent to the merchants account so they can refund me directly.