davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, 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. (NV)

NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX.

ADDRESSES: need old addresses removed: XXXX XXXX XXXX, XXXX Ca XXXX and XXXX XXXX XXXX, XXXX ca XXXX  
EMPLOYER:  Remove " XXXX XXXX" and add Current Employer: XXXX, XXXX
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act. The list of following accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Reference on credit report - XXXX -- Reference on credit report - XXXX Reference on credit report - XXXX -- Reference on credit report - XXXX Reference on credit report - XXXX -- Reference on credit report - 31356 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 7 years.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

On XX/XX/2017, I 've paid in full XXXX education loans. Details are below : 1. XXXX Amount of payment {$22000.00} 2. XXXX Amount of payment {$20000.00} Customer service representative, who provide me with a payoff amount, told me that both loans will be marked " Paid in full '' and I 'll receive electronic " PAID IN FULL NOTIFICATION '' once my payments clear. 
As of today, XX/XX/2017, loan ending XXXX marked " Paid in full '' and I did receive " Paid in Full Notification ''. However, loan ending XXXX still in a payment mode with a negative ( $ -XXXX ) balance. I 've called SallieMae several times trying to solve this problem. Per customer service explanation, the negative balance preventing the system from closing loan and generating " Paid in Full Notification '' and the negative balance was due to incorrect Paid off amount given to me. I spoke to SallieMae on XX/XX/XXXX and they promise to me fix this technical issue within 24 hours. Unfortunately, the issue still there and I 'm attaching supporting evidence for you to review. 
Thank you in advance. 
Regards, XXXX XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX  XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 : XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (LA)

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. 

XXXX XXXX XXXX  XXXX, XXXX XXXX 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 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently submitted information to the credit bureaus about fraudulent accounts on my report. And according to 605B of the Fair Credit Reporting Act, which requires the CRA to block the fraudulent information on my credit report resulting from identity theft within four business days. This account is fraudulentXXXX XXXX and it was removed from my report then a few days later it was placed back without any reason. This block was not requested in error and the CRA has no reason to rescind blocking of account from my report. The CRA has a duty to do what is fair and equitable to the consumer. Please remove this fraudulent account.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I discovered an incorrect item on my Experian credit report saying I had a credit card balance with XXXX XXXX of {$7100.00}. I called XXXX XXXX and spoke to people from at least three different departments who all confirmed I had no such balance. I filed a dispute with Experian and explained in the dispute I had already confirmed with XXXX XXXX they didnt report this information to Experian. On XX/XX/2023 I received notice from Experian that the dispute was closed and XXXX XXXX confirmed the balance was accurate, which is a lie and obviously nobody did anything to actually investigate the dispute.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (KY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, 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. (NV)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$7100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-24
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

On Monday XX/XX/XXXX I noticed four unauthorized debit charges to my checking account ending in XXXX. One charge was for XXXX for {$100.00}, XXXX {$100.00}, XXXX {$100.00}, and XXXX {$10.00}. My card has always been in my possession. I filed a police report that evening. 

The person I spoke to said that they would file a dispute for the three XXXX charges. She said I would have to call back the next day to file a dispute on XXXX because I have used that service before. 

I call back the next day XX/XX/XXXX. The women I spoke with said she saw an XXXX charge for {$100.00} and not {$100.00} so she was filling a dispute for that charge. 

The next day U.S. Bank charged me seven overdraft charges for {$36.00} each. That is {$250.00}. 

I turned off all overdraft protections from all accounts at U.S. Bank. 

I called U.S. bank on XX/XX/2023 with still a negative account. Nothing heard back from U.S. about these fraudulent charges. The women I spoke to left a message for them. But she did not know the status of the dispute. 

This morning XX/XX/2023 U.S. bank took {$400.00} out of another checking account I have XXXX and transferred it to XXXX. I have overdraft turned off so this should have never have occurred. 

Now U.S. Bank has drawn XXXX negative. They took away the only working checking account we have by drawing that one negative now. 

We are a family of five and have gone a week without being able to purchase basic needs. Now the access to both of our checking accounts and essentially blocked by U.S. Bank by drawing both accounts negative. We are not able to purchase gas or groceries now for a family of five for almost one full week going on who knows how long. 

I called U.S. Bank this morning XX/XX/2023 and the woman on the phone could not reverse that transfer. I have to call the fraud line and they don't open for another 2-3 hours. 

This was not handled right. U.S. Bank should have stopped all overdrafts. They should offer provisional credit for people while the fraud is being investigated. This should take almost a week to get figured out. It isn't right to block people from using their own money.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Bought tickets to an event that was a scam. It was a safety hazard, started late, ticket line was 4-5 hrs long, and security line was another hour. The third party ticketing site said they will buyers guarantee but did not honor their policy since the event was not as described. I eventually got into the event at XXXX and the event ended at XXXX, but left early anyways due to overcrowding and security hazards.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My XXXX and Experian are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

PT. XXXX XXXX XXXX ( XXXX XXXX ) always buy device and payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX ) and they have bank account at XXXX XXXX XXXX XXXX. 

With issue audit and cash flow, hecker sent notice letter by email to PT. XXXX XXXX XXXX via email XXXX to arrange payment to new account bank XXXX XXXX XXXX Chase Bank XXXX XXXX 

PT. XXXX XXXX have transfer to Chase Bank Texas - XXXX with detail : XXXX XX/XX/2022 - EURO. XXXX XXXX XX/XX/2022 - EURO. XXXX At XXXX XX/XX/2022, the hecker info that they not receive the payment with amount EURO. XXXX. After we cross XXXX  again with XXXX XXXX XXXX XXXX XXXX info never have Account in Chase Bank XXXX XXXX and after that we realize have been fraud by hecker. 

We already report to our bank in XXXX to cancell the transfer, but until now there is no feedback from Chase Bank, the fund never refund or back to account PT. XXXX XXXX. 
Please help for investigation and catch the fraud and refund our money. Thank you