davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
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. (NJ)

I write to address the unresolved issue regarding my filed complaint regarding the unverified negative accounts on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of these items.
Consumer complaint received 2024-06-12
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. (GA)

I discovered that my information was sold and bought illegally because I was a victim in the Equifax Data breach. I am requesting that I want these Items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted liability and that I was in fact a victim of said data breach, and Equifax has done nothing. Please help me delete these negative accounts immediately : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX, XXXX Acct XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX Acct XXXXXXXX XXXX Acct XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX Delete name as XXXX XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

I received a letter from the IRS earlier in XXXX ( around the XXXX ) stating that I owed them money due to only receiving XXXX estimated tax payments. I had sent XXXX so I called them immediately, While they were checking into it, I pulled up the cancelled IRS payment that I sent on XX/XX/XXXX and that had cleared on the XXXX XXXX XXXX, to be able to prove they received the funds as the check had cleared my account. In pulling up the check image, I discovered that the check I had written was not the check that I had mailed. The cleared check was a clearly fraudulent check, when you matched it to every other check I had written on this account. So I called Wells Fargo to report the fraud. I received a letter from them a number of days later stating that they have researched the unauthorized transaction paid on my account, but they could not reimburse me because too much time passed before I contacted them about the fraud. I called them again and eventually received a call from XXXX on XX/XX/XXXX from the fraud department who informed me that while they did determine fraud occurred, they can not return my {$7500.00} because I need to check the statement and report fraud within 30 days. I DO check my statements every month. However, by " statement '' I assumed it was the actual bank statement they were referring to, and since the check had cleared on the statement, I had no reason to suspect fraud. Apparently, they mean that you have to pull up all the check statements, but that has never been explicitly stated. As we bailed out Wells Fargo with XXXX XXXX dollars of our tax money, it is shocking to me that they do not protect the customers they serve, whose money helped to bail them out.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CO)

This has been removed from my credit report before when I follow complaint, it keeps coming back after multiple times I keep telling them this is not my account. I do not know what this is. Please remove immediately from my credit report and stop adding it.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MO)

I had a car loan through Regional Acceptance Corporation ( RAC ). At the car dealership, I was offered a third party to do ACH every other Friday. The third party was XXXX. I contacted XXXX and had them send me my payment history via email and they also send it to XXXX XXXX, representative at RAC that I was speaking to about this matter. According to my payment history and from XXXX, I had completed my payments on XX/XX/XXXX. I had messaged RAC to make sure that was my last payment, I never heard anything back. Now at the end of XXXX of XXXX, I get a call from RAC saying I am late on my payment. I questioned this asking why I was not told that in XXXX and showed RAC my payment history. Nobody at RAC could answer those questions for me. After this was sent, I never heard anything more from XXXX or anyone else from RAC. I called back and found out that RAC placed my loan in " recovery '', a separate area of RAC. I spoke with XXXX and asked about getting a proof of debt. She said she was going to mail proof of debt but never got it. This was on XX/XX/XXXX.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

Chime has been giving me the run around asking me for documentation when all documents have already been submitted. For example, they asked me to submit my last four ssn 4 times when Ive already submitted twice already. Incident occurred on Friday XX/XX/24. Then they asked me to submit an identity theft report which has been uploaded to their system on Saturday XX/XX/24. Today, I was asked to submit an identity theft report AGAIN when it was already uploaded into system and confirmed with customer service rep that it all documents have been received.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
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. (FL)

I signed up for a secured card with XXXX XXXX  on XX/XX/XXXX for {$300.00} to help boost my credit profile. At the beginning every was going well until I ran into some hard times. With the balance, the account was paid off with my {$300.00} deposit which left a balance of {$79.00}. On my credit report, it is listed as an adverse item of information, 15 USC 1681c states that requirements relating to information contained in consumer reports ; Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports. On the report this item is labeled as a charge-off. According to IRS Laws, charge-offs are considered certificate of indebtedness which is income. That item MUST BE REMOVED IMMEDIALTLY from the credit report. They also violated 15 U.S. Code 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX reported to Experian, XXXX, XXXX, and XXXX, which violates that directly towards me. All actions are subject to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation plus emotional damage. One of the biggest violations that was bestowed onto me was 15 USC 1681a ( 2 ) Exclusions ( A ) ( i ) - report containing information solely as to transactions. That means reporting transaction history is illegal. 

In your response back, you need to provide me with the address or email of the destination of my invoice for your willful violation. 

EXCLUSIVELY for Experian, XXXX, XXXX, and XXXX, your role as a consumer reporting agency is to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and IRS Laws. 

XXXX XXXX XXXXXXXX, you as well need to follow the guidelines of the FCRA, USC, CFR, The Privacy Act of 1974, and in addition the IRS Laws as it is for helping with income regardless on how you got it. REMOVE that item immediately off my report. I DO NOT WANT PAID AS AGREED, remove it due to your actions.

Other violations against me : 15 USC 1681b 15 USC 1681c 15 USC 6802 12 CFR 1016.1 ( a ) ( 1 ) ( 3 ) and the list goes on but it will be listed on the invoice.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report contains mortgage information for XXXX XXXX XXXX, XXXX ( XXXX ) with derogatory information which is incorrect. XXXX should not be reporting under my personal credit report as the house has been transferred into a trust making the mortgage business relation between the trust XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX. See attachments. Effective immediately, remove all derogatory information from XXXX. Also, going forward, do not accept or update my credit report with any information received from XXXX. Close my personal report to XXXX. 

Additionally, XXXX and Transunion are not reporting accurately as it relates to XXXX. XXXX does not report for XXXX.
Consumer complaint received 2024-02-09
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. (CT)

EXPERIAN HAS BEEN GIVEN A FTC REPORT AND IT IS OBLIGATED TO DELETE THE ACCOUNTS ACCORDINGLY UNDER 15 USC 1681s-2 AND IF THE ACCOUNTS ARE NOT REMOVED IT WILL CONSTITUTE A {$1000.00} FINE PER 15 USC 1681n AND 15 USC 1681K
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (PA)

XXXX XXXX and Early Warning Services are XXXX party consumer reporting agencies, that have been furnishing my information without my consent and according to 15 U.S Code 1681 section 602 states, ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumers right to privacy. Based on the discovery I have made and under the Privacy Act of 1974 ( 5 U.S. Code 552aXXXX XXXX XXXX and Early Warning Services have both violated my consumer rights to privacy. There are over XXXX pages with XXXX banking transactions per page of my banking transaction history reported to Early Warning Services that I surely did not authorize Early Warning Services to have. As for XXXX XXXX, there are over XXXX pages of very sensitive, private and detailed information about myself, in addition XXXX XXXX disclosed some of my family members information in my consumer report as well. That is a direct violation of my and my family members privacy, and I absolutely did not give XXXX XXXX authorization to that information.. This is a high invasion of my privacy, and I am the consumer and have the right to ensure my personal information is protected and not shared with anyone that I did not authorize to have, which is supported by 15 USC 6801 ( a ) Privacy Obligation Policy which reads It is the policy of the Congress that each financial 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. Due to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX and Early Warning Services need my consent to have my information. XXXX XXXX and Early Warning Services do not have my consent to furnish any information about me and they surely do not have my written consent. Per the FCRA and ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time, as a federally protected consumer, I am now opting out of all authorization I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 U.S. Code 6802. Per 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please update the balances on these accounts as they have all been paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: Io, Inc. (TX)

I am writing to inform you that my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) have been violated. These violations have resulted in inaccurate information being reported on my credit report, which has had a negative impact on my financial standing. I demand that you take immediate action to rectify this situation by deleting the affected accounts from my credit report. Furthermore, I expect to be compensated monetarily for the distress and inconvenience caused by these violations. It is imperative that you address this matter promptly and provide a satisfactory resolution.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : RECEIVABLES MANAGEMENT S XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (DC)

In accordance with 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
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. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts 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
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

To whom it may Concerns section 16cfr1692a right to privacy section 15 cfr1692b 2. Reporting is a violation according 15 cfr1692d1 threats of violation or harm of reputation according 15usc1681a4 right to privacy according 15 u.s.c.6508 according 15 u.s.c.1611 criminally liable Fair credit act 1974 section 5usc522a its against the law for a credit bureau to have your social and report any debt as the only one that is to have your social is the federal government. Under 15 u.s.c 1692e they are in violation {$1000.00} per inaccuracies by number of months reported. AND YES I HAVE A THIRD PARTY COMPANY ASSIST ME WITH THIS MATTER. AND PLEASE DO NOT SEND BACK A STALL TACTIC LETTER IF YOU DO I WILL SEND IT TO THE CFPB FOR AN A COMPLAINT and still must finish their investigation within 30 days from the date of receipt of the original dispute. Because this is my legal right thank you.. And im Notify the bureau that any additional stall tactics will be considered a violation of FCRA.15 U.S. CODE 1692 ( c ) 15 U.S. Code 1681i ( a6 ) & U.S. Code 1681i ( a7 ) and 15 U.S. CODE 1681b meaning send me a 1099 FORM for every charge off on my consumer report AND PER 18 U.S.C. 8 HJR-192 NO STALL LETTER ARE accepted YOU WILL BE REPORTED. 

1.XXXX XXXX ACCT XXXX XXXX 2.XXXX  XXXX ACCT # XXXX 3.XXXX XXXX  ACCT # XXXX 4.XXXX XXXX XXXX ACCT # XXXX. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX