davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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. (IN)

I reviewed my Consumer Reports and seen that a late payment was reported on an account that I have never never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for outlining the information to the best of their ability with Maximum Accuracy. For the accountXXXX.I have never been late payments. Please investigate and provide proof with statements showing the payment the account was late. If Proof Can't be provided, I demand these payments be amended to on time as they should be as I was never late. Thanks.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 must remove any items no later than 4 business days after 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 XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX {$2700.00} ; XXXX XXXX XXXXXXXX XX/XX/2023.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (GA)

Well I see funds but how ever just telling me that I have XXXX $ But send me checks blank. But won't give approval nu! bet and told me I don't have a account with XXXX XXXX  but my banks stated diff
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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. (PA)

XXXX reporting items that are due to identity theft and per the law need to be removed. The XXXX breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well
Consumer complaint received 2023-06-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

The mortgage company has not released funds for the insureds project. They have also not released the funds owed to me. They are holding our funds hostage and making demands i have already complied with. At this point, they are committing tortuous interference and delaying a construction project which is costing the insurance company more money every month this is delayed.
Consumer complaint received 2024-03-18
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. (MN)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been qualified for Public Service Loan Forgiveness since XX/XX/XXXX. My payment counts were incorrect and counted at 119 when they should have been beyond 120. Unfortunately, my loans were still transferred to XXXX causing me significant delay and hardship. I now have to wait for my loans to be accepted by XXXX, hope they also count my payments correctly and then resubmit my public service loan forgiveness form ( which I have submitted at least 3 times since XX/XX/XXXX ). This is going to cause unnecessary delay in my ability to get my loans paid off.
Consumer complaint received 2024-04-02
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. (PA)

There are current payments that have been posted for each month by all XXXX bureaus, as well as payments on XXXX and XXXX from the companies XXXX XXXX XXXX, reported a paid payment as late without my written consent. I called and asked them to remove it they said because of them giving grace periods they would not update, change, correct the information. 
date XXXX XX/XX/2023 both payments have a reported positive payment from different bureaus as well as missed payments. this is very inaccurate and hurting my consumer report severely. 

per 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No information was ever late nor was i ever notified of a scheduled account as all my payments are on time. the XX/XX/2023 Payment as Current as well As XX/XX/2023 as payment both were paid successfully and on time
Consumer complaint received 2024-04-02
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2022-09-19
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)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX of this year, I filed a fraud claim with Bank of America due to some fraud that occurred on my account. I was defrauded by a guy named XXXX XXXX who was given temporary access to the account to set up a payment to my card from his checking account, due to some funds he owed me. I noticed that after the payments were made, ( around XX/XX/XXXX ) there were several different amounts that this person transferred off of my credit card into his own personal checking accounts. On XX/XX/2022, he transferred {$5500.00} into his checking account. On XX/XX/2022, he transferred {$5800.00} into another checking account, and on XX/XX/XXXX, {$100.00} was charged to my card without my permission. On XX/XX/XXXX, {$3800.00} was transferred off of my credit card, into a separate account. Lastly, all of the payments this person previously made to my card, reversed later on!! I reached out to BOA, and informed them of this activity, and initially I was given several provisional credits, but as time passed, they took those back, and denied my claim, several times. On top of that, my balance increased tremendously since I filed my claim. It jumped from XXXX XXXX some odd dollars to over XXXX XXXX XXXX XXXX. What is ridiculous is the fact that the bank knows I have been a loyal customer for 16 years, and have had a stellar payment history with them. So now that I am a victim of fraud, they have left me high and dry, and have not erased XXXX XXXX  worth of this fraudulent debt. I was expecting some help from them, but they have provided none!! I have provided a copy of my police report to the bank, and have been completely honest with them. I don't understand why they want me to eat all of this fraudulent debt, considering I have been a good customer for over 16 years.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

All 3 credit bureaus refuse to remove a student loan ( Acct. # XXXX ) that was paid over 3 years ago which the provider promised to remove from my report upon payment. The U.S. Department of Education, XXXX, and XXXX says is nowhere to be found. Experian refuses to allow you past the automated operator. XXXX refuses to take my info or evidence, and XXXX wants me to pay {$30.00} which I am not gon na do. I can no longer dispute this account because it has already been disputed.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

I contacted edfinancial on XX/XX/XXXX for a refund on a payment I made in XXXX. They processed the refund and stated it would be 2 weeks until it was completed. I called again today XX/XX/XXXX and they said it will take up to 150 days to complete the refund on the payment I made.
Consumer complaint received 2022-09-19
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. (TN)

Im accordance with the Fair Credit Reporting Act, 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 states that a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-09-19
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. (AZ)

I CONTACTED EXPERIAN, XXXX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY EXPERIAN AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?
Consumer complaint received 2022-09-19
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

1

5 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 2022-05-27
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)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FREEDOM FINANCIAL NETWORK (TX)

Hello good evening My names XXXX I just need to dispute inquiry type Im ask for personal loan they approved me first but after I give my information account number and routing number they can funds the money to my account they reject for no reason and add hard inquiries under my credit report I need to Remove this inquiry Thank you
Consumer complaint received 2022-09-20
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. (IN)

We believe our daughter 's identity has been stolen. She is only XXXX XXXX XXXX but we received a check from the Auditor of State of Indiana for the payment due to excess budget reserves totaling {$320.00}. This tells us someone filed taxes under her name but since she is only XXXX  we can not use any of the credit monitoring services or put a freeze on her credit accounts due to her age. We are taking the appropriate steps to send all three credit bureaus the appropriate information but one step on XXXX told us to also file a complaint with the CFPB. Please let us know if there is anything you can to also help us in this matter.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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. 

Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.