davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (CA)

XXXX XXXX XXXX This account is in clear violation of federal law. i have no obligation to pay a debt collector and amount that is alleged until proven otherwise. but they have committed identity theft because i never gave them authorization to give away any of my information. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (NC)

Im still having problems with Equifax and their accuracy in reporting correctly for a XXXXXXXX account. The balance is incorrect as well as the payment status. I reopened the investigation and provided supporting documentation. I demand correct reporting now as they have done nothing to correct my report despite all of the verification Ive provided. I am in process of purchasing a home. If their incorrect reporting interferes with my ability to close, they will be hearing from my attorney. Theyve had more than XXXX days to investigate this.
Consumer complaint received 2023-08-13
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX of XXXX I paid off my car loan with Capitol One despite filling XXXX  XXXX bankruptcy in XX/XX/XXXX & have been disputing that with Capitol One ( who sent me the title ) & the 3 major credit bureaus since it was discharged in XXXX of XXXX which has and still remains as a negative on my credit reports... I just received a notarized letter from Capitol One saying the lien is released which means for all that time this item was never investigated in accordance to the fair credit reporting act.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX  business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (CA)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my information 15 usc 1681 4.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

I get 3-7 calls a day at all hours. I 've been woken up in the middle of the night, interrupted while with family, etc.
I asked them to stop and it seems like they have increased frequency instead.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Well for the last few months starting with XXXX my account checking account and everything was hijacked with me somebody made assets some type of way into my account the bank didn't notify me until later on that week with the person already went and took money out and everything and continue on to end of XXXX early XXXX my deposits would be deposited in my account and somehow on that paperwork they're missing a whole day and then the day when my money was made available I went and got out and it's double charged me for using that money that was available for me I was inside of facility when they gave me the money out of my account so I don't know how they think it but I got my documents they're following month they did the same thing and this month they did the same thing again don't make sense I would love to have sent you proof in evidence but is in my email address so I don't know how to get there to get to you if you have an idea contact me
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2017-05-17
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: JPMORGAN CHASE & CO. (FL)

I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.
Consumer complaint received 2023-05-11
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. (CA)

I have been dealing with Experian for some time now. Still to no avail, they have not helped me. In 2018 my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute. Please look at the report I attached. It shows all of the different dates being reported to different credit bureaus.
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Consumer complaint received 2023-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently checked my credit report and I saw accounts that was opened that I did not opened. Someone has been using my name and social security number. 

Capital One {$2700.00} XXXX XXXX {$430.00}
Consumer complaint received 2024-08-23
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. (GA)

I filed personal bankruptcy XX/XX/XXXX. I have not reaffirmed any loan obligations and my case was discharged accordingly. All activity and obligations ceased and from that point forward, I had no liability as signature or co-signer to any previous outstanding balances or commitments. All creditor abided by the ruling and negative credit lines were removed and on XX/XX/XXXX except for one creditor. XXXX XXXX XXXX continues to erroneously report on Equifax that my last activity with them was a payment somewhere around XX/XX/XXXX with the intention and effect of extending their negative reporting on my credit report till XX/XX/XXXX. I find this offensive and in violation of bankruptcy law. I want to state emphatically, I have not made ANY payments to XXXX XXXX XXXX after my bankruptcy court date in XX/XX/XXXX, do not engage in any way with this company and find their denial of these facts after XXXX disputes filed thru Equifax between XXXX XX/XX/XXXX to be negligent in their adherence to US Bankruptcy Law.
Consumer complaint received 2017-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Communication  sent to me states investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . When I called to inquired, I was told investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.
Consumer complaint received 2024-03-26
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. (GA)

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX Account Number ending in XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states 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. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX is a financial institution by definition in accordance with

15 USC 6801. 15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2022-11-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this XXXX  Complaint to you today to request that you remove the disputed accounts and information you report on my XXXX XXXX. Despite my multiple previous attempts to request an investigation on my XXXX XXXX, I still see the erroneous reporting of fraudulent items on my XXXX XXXX. I have been submitting dispute letters with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Upon further inspection of my XXXX XXXX, I noticed that there are accounts and information that were already removed from the other XXXX XXXX but are still being reported by a single Credit Bureau. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I request once again, that you remove the following accounts and information from my XXXX XXXX as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I have read enough to understand my consumer rights under the Fair Credit Reporting Act. By continuing the reporting of the erroneous accounts and information on my XXXX XXXX, it is understood that you are trying to violate my rights.
Consumer complaint received 2023-01-04
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. (CT)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 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 investigate the unverifiable items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-11
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. Someone opened a fraudulent account with XXXX XXXX XXXX XXXX personal information. I have been trying to dispute this account for a while. The past 4 months I have been calling Experians customer service and every representative told me they will not reinvestigation this fraudulent account and it was verified by a certified letter. Experian never sent me a copy of verifying documentations. To date Experian have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper full reinvestigation. I have proof of Experian being noncompliant. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, you are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. 
I want Experian to conduct a proper reinvestigation with this fraudulent account. Please send proof of their findings! Promptly remove this unverified account!
Consumer complaint received 2022-08-21
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Harley Davidson Financial Services Inc (AL)

In  XXXX  I financed a motorcycle through  Harley Davidson Finance.  In  XXXX  the loan was paid in full, however my loan was a charge off account. This has caused me to be denied credit for the last 2 years, because of their report.