davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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. (MS)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2020-07-15
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: USCB Corporation (CA)

On or about XXXX USCB REPORTED I HAD A DEBT OWNED BY XXXX XXXX XXXX I NEVER SIGNED UP FOR ANYTHING WITH COMPANY ONLY INQUIRED I ALSO HAVE NEW MAIL ASKOMG TO JOIN
Consumer complaint received 2023-12-14
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 disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upgrade, Inc. (GA)

NOTICED ERRORS ON CONSUMER REPORT AND MADE UPGRADE, INC AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS AS WELL AS VIOLATING MY PRIVACY RIGHTS BY SELLING MY DATA TO COLLECTION COMPANNIES AND REPORTING UNAUTHORIZED DATA TO MY CONSUMER REPORT WITHOUT CONSENT. 

1. UPGRADE, INC, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120- 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XXXXXXXX XXXX AND BEING MORE THAN 240 DAYS PAST DUE AND UNCOLLECTABLE. THE ALLEGED DEBT WAS CHARGED OFF AS OF XX/XX/, THEN SOLD TO XXXX XXXX XXXX AND THE ALLEGED DEBT IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Consumer complaint received 2023-12-14
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 XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-04-25
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. (CA)

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lender
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX XXXX and experian stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2020-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (NV)

I received a copy of my XXXX  credit report and the company is reporting a collection that I have no knowledge of. I have never received any written proof from them validating the debt with my written signature, a contract or a document showing I owe them money. I sent a certified letter to the collection agency and it was returned undeliverable. This inaccurate information should be deleted. I contacted XXXX  with a certified letter and XXXX  responded with saying it was accurate but with no written proof of who was contacted, written information or a verifiable source
Consumer complaint received 2023-12-04
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. (NJ)

I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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: LEXISNEXIS (IL)

I have contact Nexis lexis and XXXX numerous of times about the inquiries on my credit report and also the bankruptcy on my credit report. That has yet to be removed! I mailed in a police report I have mailed in my bankruptcy letter also contacted each creditor XXXX has yet to remove the inquiries. LexisNexis has violated my rights as a consumer. XXXX stated that the bankruptcy court report the bankruptcies now I uploaded the bankruptcy letter now they saying XXXX XXXX XXXX AND LexisNexis report the bankruptcies on my credit which is false information that was applied to my credit report. LexisNexis sent me a letter stating they initiated a dispute but didnt accurately fix the problem because they said they could identify me! By law XXXX dont have to give you my personal information because I dont want you with it but still LexisNexis are reporting things to XXXX with no accurate information. LexisNexis stated in the letter they need proof of my id social security card and bill! If LexisNexis dont have all of my information why are they reporting things on to my credit!!!! Starting today this will be my last and Finally warning to remove all bankruptcies and inquiries off of my credit file! If you can provide proof of things you have submitted. Or I will be filing a lawsuit! Against LexisNexis and XXXX. I want both companies to provide me accurate information. I froze LexisNexis from accessing my personal information in XXXX but they still refuse to stop accessing it and reporting inaccurate information to credit bureaus. Attached is a letter from XXXX LexisNexis sent me. They closed another complaint today and didnt provide the attachments accordingly. I cant look or click on the attachment! Please remove all bankruptcies from my credit report!
Consumer complaint received 2023-12-14
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. (MO)

Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was reinserted on principal consumer report this erroneous tortuous act took effect on XX/XX/2023 in the amount {$720.00}.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WA)

I am getting phone calls several times throughout the day starting at XXXX every single day. They only leave one message per day but I get 3-5 calls every day. 

Im also curious to know if its legal for them to continue to call once the debt has been sent to collections.
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00}
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-14
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. (MS)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2023-12-14
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. (FL)

XX/XX/XXXX  : A Inquiry For Company Experian Business Credit Was Reported On Profile Which Was A False And Fraudulent Charge Need Removal of Inquiry according To Law FCRA 604
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC (AL)

Due to being a XXXX XXXX with a child who has had numerous sicknesses and XXXX causing me to miss work, I have been struggling. I try to pay every time I have extra money to keep it current but they ( Local Finance ) harass me with repetitive phone calls that disrupt my work day. They have called family members, even family out of state, repeatedly. I have received over 25 calls in the last 7 days. They also come to my home in person.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (DE)

On XX/XX/XXXX, I received an alert on my phone from my credit union ( Navy Federal ) that there was suspicious activity occurring on my checking account. I received a follow up phone call from a NFCU representative to review my account history. Upon further review, we determined that multiple unauthorized charges were posting from XXXX ranging in amounts from {$2.00} through {$390.00}. The bulk of the larger charges occurred within that week, which alerted NFCU. However, after reviewing my bank statements, I determined that there were multiple unauthorized charges to my account from XXXX over the last 3 months. The representative filed 2 fraud claims on my behalf, XXXX for {$410.00} and another for {$2500.00}. The representative sent me a Statement of Forgery to complete. 
XX/XX/XXXX I contacted XXXX to determine the source of the charges as there is no record of them in my purchase history. The XXXX representative confirmed that an excess of XXXX UNAUTHORIZED charges posted to my account that did not originate from my XXXX XXXX. They would not provide any information on where the charges came from. XXXX initiated a claim for a refund but ultimately denied it and did not provide a reason. XX/XX/XXXX I contacted Navy Federal and was told that both claims were denied and I had the option to appeal. I submitted the statement of forgery and bank statements for XXXX, XXXX, and XX/XX/XXXX highlighting all unauthorized charges from XXXX. I confirmed that I did not authorize or provide card information for anyone to complete a transaction with XXXX. I also provided my XXXX purchase history proving that the unauthorized transactions did not originate from my XXXX account. I received a notification from NFCU that a 3rd fraud claim was filed on my behalf in the amount of {$790.00}. On XX/XX/XXXX a 4th fraud claim was filed on my behalf in the amount of {$640.00}. Navy Federal provided provisional credits and then denied 2 of the claims, reversing the credits of {$410.00} and {$640.00} ( due to come out of my account on XX/XX/XXXX ). 
I now have a total of {$4400.00} in unauthorized charges from XXXX that I am seeking reimbursement for. I am not confident that XXXX or NFCU will cover the fraudulent charges as both institutions have passed the responsibility back and forth. I am caught in the middle with a large amount of money taken from my account. This has caused me great financial hardship as this is in the middle of holiday season. I appreciate any assistance with getting my funds reimbursed as the charges were indeed unauthorized.
Consumer complaint received 2023-12-14
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. (NC)

XXXX did a proper investigation and deleted XXXX XXXX XXXX XXXX loans and corrected my payment history on XXXX accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.
Consumer complaint received 2023-10-20
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. (CA)

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

I requested to have all addresses except my current address removed due to the fact that none of the old addresses are connected to current accounts and the old addresses are unmailable addresses. CSR stated they had been deleted ; however they are still listed on my current report