davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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: Experian Information Solutions Inc. (OK)

RE : Dispute of Inaccurate Information on Credit Report Dear EXPERIAN, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law. I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information. This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports. Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. The FCRA also gives me the right to sue you if you fail to comply with the law. I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action. Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (RI)

Jefferson capitol on XX/XX/XXXX added a old debt that the original company knew it was reported as fraud they attached it to my credit profile as a debt collection I told them to remove the debt collection of XXXX of my report from a XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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. (TN)

I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-03
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. (CA)

Today, XX/XX/XXXX, I requested via phone to have an obsolete credit inquiry from XXXX XXXX XXXX  removed from my credit report. The inquiry was made on XX/XX/XXXXXXXX  and was set to be removed on XX/XX/XXXX. That inquiry remains on my credit report even though it has reached the maximum allowed reporting time limit of 25 months. I requested to have the information removed with the reason being that it is obsolete. This morning, I received notification that the inquiry will remain on my credit report despite it being past the legal reporting period.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XXXXXXXX  there was an incident that happened with my debit card where someone was able to comprise my card information and make numerous of transactions at two different XXXXXXXX XXXX XXXXXXXX. The amount of unauthorized money they used was {$760.00}. The person committed to doing 9. Transactions which were 1. {$10.00} 2. XXXX 2. {$100.00} 3. {$100.00} 4. {$100.00} 5. {$100.00} 6. {$99.00} 7. {$59.00} 8. {$100.00} 9. {$100.00}. Ive tried to dispute these charges literally over 6 times and chime kept declining it saying that no error occurred. I would literally talk to a dispute supervisor and they told me if I were able to provide all of the evidence from the officer which were the police reports I shouldve been able to receive my money back. I have yet to this day received my money and this is ridiculous Ive gathered all of the information I could and even the officer working on my case filed for video footage at the gas station but chime keep on insisting nothing happened when all the evidence is provided that proves my case of not doing these transactions. Also, chime didnt notify me when the transaction kept having the same amount of money getting taken out they didnt flag anything and on top of that my card was locked and I was at work. So, how would I be able to make those transactions and I have my card on me. When I spoken to a supervisor at XXXX she stated that a lot of people have been committing fraud and taking peoples card information and placing them on blank cards allowing our cards to run through as credit even if we have access to our cards. I dont know how they did it but all I know is that this is a fraudulent situation and chime didnt take the proper precautions to allowing me to receive my money back.
Consumer complaint received 2023-02-22
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-11-10
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 value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-11-10
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. (GA)

Transunion didn't freeze/lock my credit report and because they didn't honor it and opened my account to identity theft and fraud. It's been many companies that have access to my personal information when they shouldn't have had access.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (MD)

When the XX/XX/2022 payment was missed, Discover, against their own company policy and industry norms, failed to call me on the contact number on file or mail me hard-copy late notices to the physical contact address on file. 

Further, Discover lied and said that they did call me, even specifying dates, times, and phone numbers. Call logs on the various phone numbers show that no calls were made. 

Discover also lied about mailing hard-copy late notices. USPS Informed Delivery emails ( where hard-copy mail is scanned and sent to addressee in a daily email ) provide that no hard-copy late notices were mailed. NOTE : The XXXX bill was received. 

Discover 's website is also confusing ( see detailed remarks ) whereupon the place to verfiy email address was not properly labeled with its account number ( I have two accounts ). 

Lastly, Discover does not permit a client to set up automatic payments upon account opening or upon card receipt. Rather, client must wait for a balance due ( by which time, 4 months later, I personally forgot ).
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX Please Update Employment Information per job offers and Employment verification letter submitted from Inland -XXXX XXXX XXXX XXXX XXXX. 

Please update inaccurate and Unfair information on my Three Credit Reports to the following : Remove all Delinquent accounts from report due to non-receipt of employment pay checks from 2 Employers ( XXXX-XXXX XXXX XXXX XXXX XXXX. Allow Deposit of approved loan from XXXX XXXX for {$10000.00} into my established bank account or a new XXXX XXXX account. Allow receipt of {$250.00} to be deposited into XXXX account once direct deposit is established of new XXXX XXXX XXXX  account. Remove incorrect residence information and information that is over 10 years old. ( Review letters submitted to Bureaus ) Restore XXXX credit score to XXXX to all Bureaus due to above mentioned and approve {$1000.00} credit line asap with XXXX  XXXX due to inaccurate and Unfair information. See all documents submitted to all Bureaus requesting to update information dated since XX/XX/2023. Review Dispute status and remove inaccurate information about The following account on report : XXXX XXXX. Please increase XXXX score due to Real Estate Valuation updates for XXXX XXXX XXXX XXXX, XXXX SC XXXX. Allow XXXX credit score goal to be achieved by XX/XX/2023 for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 

Longevity, Peace and Prosperity XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Email : XXXX Please be informed that this email is intended for the recipient listed. If you are not the person or business entity that is not intended to receive this email and receive it in error, please disregard and delete. This email is not intended for judicial or jailing purposes and is not to be used for scams or defrauding purposes. Thank you for your service.
Consumer complaint received 2023-10-03
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. (GA)

I have sent my dispute letter to TransUnion and XXXX Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately 1 ) XXXX XXXX / XXXX XXXXXXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-10-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I filed a dispute in XXXX, they did not take the additional charge off off the account reporting history the account was closed in XXXX. It can not be charged off after it's been closed from my understanding and it definitely can't be charged off more than once. Then I filed two separate disputes and XXXX  one of the disputes added 30 additional charge-offs after the account was closed for the same account in the same Credit Reporting Agency which is Experian this has not happened with any other credit reporting agency only Experian
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

XX/XX/XXXX  : submitted payment for {$40000.00} Never taken from my account Tried again on XX/XX/XXXX  submitted same payment amount {$40000.00} said it was accepted but has yet to be deducted from my bank account. 
Confirmation code : XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I filed a complaint about XXXX XXXX sending me an email saying im pre-approved for a XXXX XXXX XXXX make cluck here. 
This wont effect your credit score. 
I did because i buy all my gas there and the credit card gave a XXXX cent a gallon savings. 
I filled out all information and submitted it I was denied the card and then i received a notification from my credit monitoring companies that a Hard Inquiry was made. 
I never authorized a hard inquiry ive dropped iver XXXX points just from new credit cards and make over the min payments and early on every account. 
Equifax take XXXX points for hard inquiries and XXXX yo XXXX points for " over usage ''. 
These credit cards pay cash back so i use them in place of debit cards. 
I get no points back for ontime or early payments only points laken away Now i got an email notice this case is closed and i can not get the results when i logged into Equifax website.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MN)

On XX/XX/. I had made a check deposit into my account with TD Bank at about XXXX in afternoon. The next day I expected the check to be clear so that, I can use it for it's purpose and unfortunately I find out that the bank was holding it for no apparent reason. 

Then I called the bank to find out why they are holding up my check and their reason for that was because, of a suspicious purpose and, that it will be released in a week later. However, I asked how many times have they seeing me making the same type of check deposit into my account and everytime I made a deposit it's either suspicious or some nonsense excuses from these company. 

Moreover, even when relatives and friends sent money into my account to help me out from what I am going through the money will still go on hold. And everytime I have to called the bank to release my money, because it's for an emergency situation since I wasn't able to work constantly, because of back XXXX that I recently under went. 

However, me trying to understand the reason for the continuously hold on my check deposit or any other transactions that may take place in my account, does that mean I have to wait for a week for my money... I have a XXXX XXXX XXXX child that I need to provide for, I have to do food shopping, fuel my vehicle and etc. Waiting one week to have a check verification does it have to take that long? One week to wait for a check verification without food to eat for me and family, no gas in the tank for me to go about my daily life... 

What kind of stupid policy is this? Who made all this no brain policies that the banking companies are using to hurt people who are in tough condition like me and many others out there? This nonsense has to stop before someone get hurt at job out there. People deserve 's a better treatment from the banking companies than what we're getting. 

I demanding for a thorough investigation into a banking system like TD Bank and others and I want them to be hold accountable for the illegal action against the consumers.
Consumer complaint received 2022-11-23
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. (NC)

According to my research about FCRA 605, you are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Consumer complaint received 2023-10-03
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. (WA)

I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

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 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Applied for a Savor One credit card with Capital One. Capital One created the credit card account with an incorrect social security number and name and continues to report the inaccurate information to the credit bureaus despite my repeated calls and requests for them to correct the incorrect information.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AZ)

i sent the XXXX XXXX XXXX letters requesting that they show proof that I opened the account and the response I got was a judgement against me that i had absolutely no knowledge about. I was not served nor notified of such. and its not even my dept. I believe someone acted as me or used part of my identity to get the account. not sure how it happened but it was not me.
Consumer complaint received 2022-12-09
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. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXas violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (AZ)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-10-03
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. (HI)

I am writing this request that I want to dispute specific records in my credit file that do not belong to me and it had erroneous information, particularly in regard to a bankruptcy record, Please erase the false information that keeps harming my credit report. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2022-12-09
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)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX/XXXX/2022