davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (MO)

RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( XXXX XXXX XXXX and XXXX ) is reporting a balance of ( {$17000.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$17000.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MD)

XX/XX/2024 my account was frozen due to someone trying to change my debit card pin and it was not me. They sent me an email to verify who I was using my license and a selfie. Said would take 72 hours. Today is XX/XX/2024 I have sent 2 emails to their legal department and I still have no access to my money. I call and they tell me the department I need doesn't take phone calls and only uses email. I have not been able to pay my rent, my vehicle loan, and all my auto pay bills have been declined. I am getting sick over all this and nobody will help me. My issue is with XXXX Credit Karma
Consumer complaint received 2023-08-24
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. (PA)

This information being reported on my consumer report resulted from identity theft. Ive never provided you or any furnisher written instructions in accordance with the Fair Credit Reporting Act to furnish anything to my consumer report without my consent. I have kids and trying to better my life for me and them, but it has been a struggle for me. Due to your unfair credit reporting methods that's damaging my reputation which is vital to me for being able to properly operate in commerce. Please fulfill your vital by exercising your grave responsibilities with fairness and respect my consumer right to privacy.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have two creditors saying I have student loans with them. 
One is XXXX who said they sold to XXXX XXXX Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. 

One company needs removed my debt is double and it had been disputed multiple times. 

This is what it looks like on all three credit reporting companies Experian XXXX XXXX Student loans Total balance : {$86000.00} DEPT OF ED/XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/XXXX XXXX  DEPT OF ED/XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/ DEPT OF ED/XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$5700.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/ DEPT OF ED/XXXX Balance {$3900.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/ XXXX LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2XXXX XXXX LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/ XXXX XXXX LATE PAYMENT Balance {$3800.00} Balance updated XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (SC)

XXXX XXXX XXXX Account This company is a collection company and bought an old debt from Upstart Loan Operations. This debt was settled, however it is still reflecting on my credit report as negative and I need it removed immediately.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear XXXX, Experian, XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (WI)

I bank with Chime banking. On XX/XX/2024 I sent an electronic check from my checking account to XXXX XXXX for {$4500.00}. XX/XX/XXXX Chime is claiming that this check was cashed. Which it in fact was not, it was returned from XXXX XXXX XXXXXXXX ( where chime has their account to mail out checks ) XXXX XXXX XXXXXXXX flagged their own check as altered/fictitious and pulled the money from XXXX XXXX account . 
However, chime is still claiming the check cleared just fine and that they will not file a dispute or make attempts to resolve this problem to return my money back to me. As they withdrawal the funds immediately on XX/XX/XXXX when I mailed the check from my online banking.
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MO)

This company continues to violate my consumer rights by reporting inaccurate information on my credit file and trying to make that account seem like it's new when it's closed and old and have been reinsert on my credit file to make my credit look bad. I have proof down below to show how this company continues to do so. 
They also said that every time I dispute this account they said they verified it which I know they haven't verified nothing. There has been no consent that I gave or permission to do so which make this account be in violation.
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MO)

This company continues to report to my credit report when they stated they would remove all negative and inaccurate information off of my credit files. In previous filings on this company to the CFPB they got in writing and on documents Case # XXXX that they would stop but the credit bureaus continues to report this information damaging credit and my life. I have proof to show how they continue to report an violate in the description below. They also said that they have verified this account as accurate which is in Violation of my consumer rights.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SD)

Jefferson Capital Systems say I owe a debt to XXXX!, XXXX does NOT exist and I have never received goods or services from XXXX therefore the debt is not valid and they ( Jefferson Capital Systems ) are illegally attempting to collect a debt that's not valid. Jefferson Capital Systems has already damaged my credit score, my credit went down XXXX points because of this fake debt that I do not owe, please help!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I disagree with the accounts listed below because it is still showing and reporting inaccurate information on my credit report, even prior your investigation. I would like for these item to be reinvestigated as soon as possible. This XXXX item with the account number XXXX is inaccurate and negatively affecting my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to inquire the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The primary address on the credit report is not mine. If any of my account representatives sent mail to that address it would not get to me. I need the 2nd address to be the only address on the credit report.

There are multiple names and variations of names on the report. only 1 of the names is my legal name.
Consumer complaint received 2023-03-13
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. (NJ)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00}
Consumer complaint received 2024-04-03
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. (IL)

XXXX. On XX/XX/XXXX i I submitted proof of identity theft to Experian and asked to remove XXXX XXXX account for an XXXX account that was not mine. 

XXXX. I submitted the requred FTC XXXX, original police report and XXXX supplemnental reports showing that the account was fraudulently opened, and the police had identified the person who opened the account XXXX. On XX/XX/XXXX Experian requested a copy of my Driver 's license and utility bill, which i uploaded on the portal XXXX. On XX/XX/XXXX, in error, Experian processed the identity theft dispute for XXXX XXXX as a dispute over my phone number. In error, Experian removed my correct phone number from my credit report and has not removed the XXXX XXXX Report after proof of identity theft for the T-mobile account fraudulently opened in my name a XXXX Experian portal does not work and persons processing the disputes not reading the documentation. 

I need the CFPB to excercise oversight, There is no excuse for Experian to process an Identity Theft issue involving a fraudulent XXXX  account opened in my name as a dispute over my phone number
Consumer complaint received 2024-04-03
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX XXXX XXXX I had some work done on my roof by XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX, I wrote and mailed a check from my Navy Federal Credit Union checking account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX  I got an email from XXXX XXXX XXXX XXXX XXXX saying that they haven't received my payment. 
I checked online and the check had been cashed/deposited by someone named XXXX XXXX XXXX XXXX XXXX apparently someone who does not work for XXXX XXXX XXXX XXXX XXXX XXXX 
I immediately called Navy Federal Credit Union to see what I can do, and I was told that basically I was screwed. They weren't able to tell me anything about the transaction, only that I was out XXXX, and would need to write another check for the same amount to pay my bill. 
The phone rep told me that because there wasn't a stamp on the back of the check, that they didn't even know which institution my money was wired to.
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items that are hurting my credit. Thank you. 
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 2023-11-28
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)

The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-09
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. (TX)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers.

Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit 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 2024-04-03
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. (NC)

there are inquires on my credit report that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i did not authorize any of these inquires and i would like them to be removed
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Quality Asset Recovery LLC (PA)

XX/XX/2018 {$2700.00} Tried disputing the balance filed bankruptcy and will not remove from credit to stop me from renting or buy any property due to it being a judgement,
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I had a XXXX XXXX card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024, I deposited {$8500.00} cash into Bank of America ATM XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Earlier that day, my brother, XXXX XXXX, cashed a check at XXXX XXXX  located at XXXX XXXX XXXX, XXXX, CA XXXX, also in the amount of {$8500.00}. Immediately following this, we traveled one mile to the Bank of America branch at XXXX XXXX XXXX, XXXX, CA XXXX, where I deposited the {$8500.00} cash into the ATM. 
Unfortunately, upon deposit, I received an error message from the ATM indicating, " Theres a problem with this machine. Were sorry, but we cant return your cash. '' I promptly visited the branch to seek assistance, but was directed to contact ATM/Debit Card Servicing , who informed me they were unable to assist with the matter. 
Initially, a credit of {$300.00} was issued on XX/XX/2024, and the remaining {$8200.00} was credited to my account on XX/XX/2024, totaling the amount of the cashed check, {$8500.00}. However, I was surprised to discover on XX/XX/2024, that Bank of America debited {$2000.00} from my account, claiming the initial deposit on XX/XX/2024, was only {$6500.00}. 
I wish to emphasize that I am absolutely certain of the sequence of events : the check was cashed at XXXX XXXX  for {$8500.00}, at XXXX on XX/XX/2024 and immediately afterward, {$8500.00} cash was deposited into my Bank of America account at XXXX on XX/XX/2024.