davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00}.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed this bankruptcy with Transunion and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. Not the bankruptcy courts. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to the bureaus and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account. A third party is hear say and is not validation. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid.
Consumer complaint received 2023-05-27
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. (MO)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CO)

My two checking accounts, one savings account and one credit card all got closed with no prior notice or warning. Now I am being treated like a criminal, no one will talk to me ( except customer service, they transfer me, but no one ever picks up or calls back. ) I received letters dated XXXX  but my accounts were cut off XX/XX/, and I did not receive the letters until long after all this action had already taken place. 
No one will tell me when my money will be released, and I also am charged a wire charge fee I have never been charged before for no reason, as I am conducting legal business with legitimate vendors, and should not have incurred an extra charge while my money has been frozen and unavailable to me for almost two weeks now with no projected date of return, and no discussion from the bank as far as the process of returning MY money they are holding.
Consumer complaint received 2023-09-07
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. (OK)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding a late open account that is still inaccurately reported on my credit report. Despite previous attempts to dispute and correct this issue, the account in question continues to be erroneously reported as late open. I request an immediate and thorough investigation to rectify this inaccuracy. I have previously disputed the inaccuracy of this account and provided documentation to support my claim. However, despite my efforts, the account is still incorrectly reported as late open. I kindly request that you conduct a comprehensive review of this account and correct the status to accurately reflect its current standing. The presence of this inaccurate information is negatively affecting my creditworthiness and causing undue financial hardship. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. This late open account should be corrected right away : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00}.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-09-07
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account has a fraud alert for XXXX and BofA has frozen all funds in the account. No funds can exit, but funds can still be deposited. 

There is no fraud as I attempted to deposit in money from a linked account in my name, but BofA claims there is potential fraud. 

BofA has then frozen the account, and I am unable to withdraw cash to pay day-to-day bills. It has been over a week and no response/communication from the bank on what I need to do to lift the freeze and I have been calling them repeatedly to get a response.
Consumer complaint received 2023-06-20
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. (AR)

I wrote the credit bureaus to request that they delete the incorrect personal information from my credit reports and replace it with the correct information. I included my identification to prove my name and address. All of the other addresses do not belong to me or they were previous business addresses that did not belong to me. I have no authorization to receive mail at those locations.
Consumer complaint received 2023-09-07
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2022-11-26
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-06
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: BARCLAYS BANK DELAWARE (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-07
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-02-14
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: EQUIFAX, INC. (IL)

The Credit bureau is reporting inaccurate information and unauthorized inquiries on my credit reporting this matter has been disputed and brought to their attention on many occasions it also have been removed and placed back on the credit report under different collection agencies. I am trying to keep a good credit history I pay my bills on time on a fixed income please give this matter your attention so I can enjoy things in life like all other individuals.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OH)

On XXXX I picked up a purchase from XXXX XXXX XXXX XXXX. Included in this order was 2 identical area rugs at a price of {$230.00} each. The entire order I picked up totaled {$1000.00}. 
When we got home and unwrapped the rugs, one of them was the wrong print so we went back to the store in XXXX to return it and were told to return it to the distribution center. At that time, we purchased one additional rug for a price of {$470.00}. 
We went to the distribution center, returned the wrong rug and picked up the the other rug we had just bought. 
On my XX/XX/2021 statement, Synchrony Bank ( holder of the XXXX XXXX XXXX ) entered a transaction amount total for XXXX of {$1100.00}. This total is broken out as follows : End Table {$240.00} Area Rug {$230.00} Area Rug {$230.00} Coattail Table {$320.00} Total {$1000.00} ( Statement total charge was {$1100.00} ) a difference of {$71.00} which I am assuming is taxes however no one has been able to explain that difference to me. 
Also on the XXXX XXXX was the 3rd rug for {$470.00}. 

XXXX promised to credit my account for the wrong returned rug {$230.00} plus tax. 

I have never received the credit of {$230.00} for the retuned rug. I have contacted XXXX on NUMEROUS occasions to no avail. I have went into the store on 2 separate occasions and spoken with store manager XXXX who promised to make the corrections. Nothing has been done. 
In early XX/XX/2021 I contacted Synchrony Bank, holder of the XXXX account and spoke to customer service to explain all of this and see if they can help. I was promised a call back in 2 business days along with an email confirmation. I have heard nothing from anyone. However, they incorrectly opened a dispute on my card for the entire balance of the initial purchase. I am only disputing {$230.00} plus tax for the returned rug in XX/XX/2021. 
XXXX XXXX is impossible to work with, you can't get anyone on the phone and when you go to the store they make empty promises just to get you to leave. I'm looking for assistance to get the credit owed to me. 
I've included a copy of the XXXX statement and the XXXX Purchase order showing the charges. 
Thank you.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-09-07
Product: Credit reporting 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. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I'm filing this formal complaint against Wells Fargo for the egregious breach of trust and illegal misuse of my personal and business information. It has come to my attention that a Wells Fargo employee inappropriately opened credit cards and other accounts in my name without my consent or knowledge. 
This unethical and unlawful practice has caused significant financial damages, not to mention the violation of my privacy and the erosion of the customer-bank relationship built on trust. I am demanding that Wells Fargo take immediate action to investigate this matter, identify and terminate the responsible employee ( s ), and provide fair compensation for the monetary losses and emotional distress caused by their reprehensible actions. 
I expect a prompt resolution to this grave issue. Failure to do so will result in further legal escalation. This incident occurred prior to the pandemic weakening the business 's credit strength, and affecting its financial health ( XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (FL)

I have disputed accounts and inquiries on my credit report with all 3 credit bureaus well over 60 days ago. I've also made this complaint known with the CFPB but they too have said that the investigation is still in process. The time limit that has been given to the bureaus to investigate has been sufficient enough and is now illegal. I am hoping to get this situation resolved and the items removed from my credit report immediately without having to take further legal actions. Thank you.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The below account has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX { {$310000.00} ) } XX/XX/2023 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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2020-03-05
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. (NJ)

I wrote a letter XX/XX/2020 and not heard any information back from them regarding the erroneous information on my report. I have sent them a picture of my photo ID, Social security card and a bill.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

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