davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
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: FIRST ADVANTAGE CORPORATION (TX)

I applied for an apartment in XXXX, TX. I was denied because of information appearing on the report that they provided to the apartment. First Advantage is reporting information that is not only inaccurate but is also damaging my credit to potential landlords. They are reporting numerous housing debts and evictions to which I have provided court documents stating that I have been a victim of identity theft. They still are refusing to remove XXXX Apts from my consumer file even with the proof that they asked that I submit to them. I am at jeopardy of not only losing out on money but also losing out on a place to stay. They are intentionally refusing to remove the negative items even after the information that they requested was provided. They are also violating my consumer rights under FCRA. They are refusing to remove all information relating to housing debts and evictions that are not belonging to me. I even had to file an Affidavit of Identity theft with the federal government to which was also submitted to them on my behalf. I have emailed First Advantage and I have also contacted them by phone. They have refused to respond to my inquiries and my request. 

***Please note that I provided the criteria to clear the record that First Advantage provided to XXXX at XXXX XXXX. By their own admission from the document they provided to the potential landlord. In order to remove such record from my consumer file, they had to be provided with a letter from the court stating that the eviction was dismissed, vacated or set aside. Clearly from the document I provided, the judgment was release and eviction suit was dismissed. 

I have also attached the court document itself. Now they need to remove this record from my consumer file. They are clearly in violation of their own policy and written word and in violation of my consumer rights under FCRA.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have had issues with Equifax specifically not showing or reflecting updated or current information. For a long while they had my incorrect birthday, that was properly fixed and My other 2 bureaus XXXX, XXXX show all accounts properly. In total its around 10 or 11 accounts that should be reflecting on equifax report. Its only showing 3 accounts which 2 are open accounts but the other 8 or 9 have not reflected or updated on report since around mid XXXX. Please understand Most of these accounts have been open for years so they are not new accounts. It is really causing a major inconvenience and I am up for a mortgage soon so needing to get this rectified immediately.
Consumer complaint received 2023-03-16
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2021-03-22
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. (TX)

I reported that the student loan is not me on the my credit report with Transunion also sent is a identity affidavit which they receive XX/XX/XXXX upon their request. Ye they still wont remove the the item from my credit report. Although I was told they would remove student loan and other accounts not mines. These is unlawful and unauthorized XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX DEPT OF ED/XXXX XXXX
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OZK (FL)

Good morning, I'm writing to you because in 4 months my bank has charge me XXXX to XXXX fees causing me to be unable to pay my bills as arranged and cause g bad credit status for me I'm getting XXXX but with these fees I am destroying my credit how can I stop this I have opened a new bank account now I need social security to complete the direct deposit update can you help
Consumer complaint received 2023-02-20
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. (NY)

XX/XX/XXXX removed off of reports and closed and XX/XX/XXXX XX/XX/XXXX another complaint Several attempts have been made and this account was closed and removes and now it's back on my credit report different name complaints have been filed with cfpb and ftc for The General Company Equifax continue to violate the law have not validate debt and still will not remove this collection debt off my report its continues to be a problem on my report
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (MN)

The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

On XXXX/XXXX/XXXX I received a credit report from XXXX and Equifax I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information
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: Experian Information Solutions Inc. (GA)

IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # XXXX, 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I filed for chapter XXXX bankruptcy at the United States District Court of Minnesota Bankruptcy Court. The following accounts listed on my XXXX  and Equifax credit report was completely discharged under chapter XXXX bankruptcy : XXXX XXXX XXXX, XXXX. {$14000.00}, XXXX XXXX XXXX, XXXX, {$8600.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX XXXX/XXXX XXXX XXXX, {$1800.00} and XXXX XXXX XXXX XXXX XXXX, {$5000.00}. I no longer owe the debt because the debt was completely discharged under Chapter XXXX Bankruptcy rules in the United States District Court of Minnesota Bankruptcy Court.
Consumer complaint received 2017-11-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (TX)

I opened a certificate of deposit account with XXXX on XXXX XXXX, XXXX. I purchased CDs in the amount of {$500000.00}. Funds were deposited into my account on XXXX XXXX, XXXX. I received confirmation of payment via email and paper mail. Upon my funds being deposited to my account I was disabled from accessing my account. I called XXXX and talked to one of their customer representatives and inquired about my account being XXXX, but to no avail. They then put me on the phone with someone from security who informed me that the bank that the funds were deposited from was an invalid account. I informed them that if that were true than how was a transaction of payment made. So by phone I asked to see a detailed transaction of the payment which he denied and that was the end of the conversation. I followed up the next day and got the same reaction. So after that I sent email after email just wanting to know why I could n't get a detailed transaction of payment. I got no answer. So I mailed them an audit of payment form which included the Electronic Transfer Act stating they had 10 business days to respond and show me a detailed transaction of payment. I got no answer. So that led me here. I exhausted all of my resources before contacting you guys.
Consumer complaint received 2023-03-16
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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
Consumer complaint received 2019-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On or about XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to Experian, XXXX, and XXXX  with no " investigative results report ''. XXXX  replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the XXXX XXXX cover sheet dated XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached XXXX  cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with Experian, XXXX  and XXXX  with no results or cooperation.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IN XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 shall ( i ) 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-03-16
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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. (AZ)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (TX)

I HAVE A COLLECTION REPORT STATING THAT I OWE {$280.00} FOR ALDOUS AND ASSOCIATES CONCERNING XXXX XXXX! I DON'T KNOW WHAT THAT IS AND I NEED IT REMOVED FROM MY CREDIT REPORT!
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Good Morning I had this problem last year and it was resolved, however I am having the same issues this year and I am trying to find a permanent resolution to this problem. 

My income tax check of {$6000.00} is being offset unlawfully. I have received no notification of money owed. I complete the public loan forgiveness forms annually, and last year when my taxes were offset. I called and the error was fixed and I received my money back. 

This time around I called the US Department of Education to find out what is going on. I was told I owe {$45000.00} ( impossible ) I asked when documentation was sent out in this regard. I also asked why my records don't reflect this balance. I encountered a rude customer service rep that wasn't helpful at all. 

To my understanding funds will be released wednesday so there is still time to correct this error. I need someone to please contact me so that we can get this straightened out as soon as possible.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CO)

We had selected to make the minimum payment on our Fortiva credit card and since XXXX they have charged us the full amount multiple times resulting in overdraft fees. We have taken our banking information off of the online site and they still have charged our account the full amount. We have tried contacting them multiple times to get it fixed and every time they say it takes 2-3 business days to speak with a manager resulting in us NEVER getting called back. When we spoke to a manager one time back in XXXX he had told us that they were going to delete our banking information and send us a sheet to fill out so we can set up a payment arrangement. None of this was done.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (CA)

I XXXX XXXX do not owe this company called zions debt holdings I request all them to ceast and defrain. Also I do not have a contract with this company. Also this company never mailed me my right to dispute the validity of this debt. They are violating my fcra rights. I noticed this collection pop up on my XXXX  report today on XXXX XXXX. If they dont delete I will have to sue under fcra law. I already have a fcra attorney ready to sue. Delete this off my credit and do not try to bill me for a debt I do not owe