davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3900.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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. (AL)

This is my NUMEROUS 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, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  Balance : {$840.00} ; XXXX XXXX  Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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. (GA)

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 demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services (CA)

I have sent over 20 payments to Edfinancial Services. All but two small ones have bounced. My account is past due. I've call Edfinancial 3 times. They keep saying it is my bank that is the issue. I've called my bank. They said these payment requests never even came through. There are numerous people with the same complaints. I have never ever had an issue getting a payment through with my bank. Edfinancial seems to be deliberately doing this to receive accrued interest. This is deceptive.
Consumer complaint received 2023-07-20
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. (TX)

I have disputed this account with you before and you failed to remove the account without validating the correct balance and payment history. I reported that you are reporting the wrong balance. I will attach the settlement letter from this company showing the correct balance I owe. Even without the settlement letter, the XXXX bureaus are reporting different amounts. How does this meet FCRA guidelines when all data furnished should be the same? I am demanding that the following account is removed from my credit report due to inaccurate reporting and due to the account being settled. Being that I have proof of incorrect reporting and my attempts at getting this account deleted, I will be seeking compensation due to many FCRA violations if this account is not removed from my credit report within 15 days : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
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: EQUIFAX, INC. (IL)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (MI)

Fraudulent Hard Inquiries on my account. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX, XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX There are also addresses and names that do not belong to me. 

XXXX XXXX XXXX ID # XXXX and XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are not addresses I have lived
Consumer complaint received 2023-12-08
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized, and I ask that you delete them : Inquiry from Citibank Na., Best Buy on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 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 2024-02-26
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Monarch Recovery Holdings, Inc. (IL)

Monarch legal group charge high fees and use third party who charges fees to debit from my account. They extended my program and have not paid all creditors but reported they did..my creditors show charge off on my credit report but monarch report as debt settled. Reprise financial services also charged me high fees for debts from my account
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed Department Stores National Bank Macy 's that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company is XXXX XXXX XXXX, a credit card company, DSNB MACYS, that is pursuing the collection of a fraudulent account.
Consumer complaint received 2023-12-30
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. (IL)

In Accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX Account Number XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose. 

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (ID)

On XX/XX/XXXX I received my pay check. I tried to XXXX XXXX my babysitter the money she is owed. The transaction was denied. I then logged into pay my power bill which required my bank account number and routing number. I think went to my secondary bank to transfer fund from my current bank account. That transaction was denied due to insufficient funds. I then logged into the chime app to see why and all my funds had been transferred to three random people without my consent. For the total of {$2700.00}. I have disputed these transactions 14 times. I have asked for the documents as to why and they only send me the evidence that I send in.
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

After sending several dispute letters requesting an investigation on two accounts that are reporting inaccurately, filing a complaint with the Consumer Financial Protection Bureau seems to be the best options. I have been requesting an investigation from 2 accounts since XX/XX/2023. It is not XX/XX/2023 and I have not received any evidence or correspondence from Equifax. With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, as a consumer, I have the power to challenge every questionable negative item on my credit report. According to the law, it ensures that bureaus report only 100 % accurate credit information. Each step must be taken to assure the information reported is completely accurate and correct. Unfortunately, this is not the case with the items Ive attempted to dispute. 

I find being ignored and my concerns being neglected and unaddressed to be truly unfair ; thus requiring me to file a complaint to expediate addressing this ongoing matter. I am in the process of purchasing a home and came across 2 accounts that are reporting inaccurately which violates a few of my consumer rights : XXXX XXXX : XXXX XXXX XXXX : XXXX During the time of these late payments, we were in the middle of a pandemic. Due to COVID-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the COVID forbearance program. I am a consumer who was tremendously affected by COVID. How were late payments being reported when according to the FCRA and my consumer rights, I was protected under the CARES Act? After doing research, I also noticed that consumer rights were also violated under 15 USC Code 1681s2 ( F ) Reporting information during COVID-19 pandemic. It states that during this period, all reporting should reflect as CURRENT. My rights have been violated which has caused me to take actions to protect myself at all costs. 

Pursuant of 15 USC 1681i Paragraph ( 5 ), 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 UPDATE to PAID, NEVER LATE. The most fair and desirable outcome would be to UPDATE to PAID, NEVER LATE as soon as possible. This information is inaccurate and misleading and as such represents a very serious error that is detrimental to my consumer report.
Consumer complaint received 2024-03-09
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. (NC)

I submitted disputes for XXXX XXXXXXXX XXXX  and XXXX XXXX  on XX/XX/XXXX and also in XXXX to EXPERIAN. They said that all the information is accurate twice. XXXX and XXXX are reporting that neither one of these accounts are delinquent. In accordance with the fair credit reporting act convergent accounts # XXXX and # XXXX have violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (AR)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. This is the account needs to correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$7700.00}.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (IL)

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX have mixed my deceased mothers accounts with mine. These accounts are not mine I have sent them proof of life including my current adress XXXX XXXX XXXX XXXX XXXX  XXXX my passport, social security card and my current utility bill but they have failed to remove this XXXX XXXX inaccurate account. I have attached a photo of this account from my most recent credit report XX/XX/2023, Confirmation # XXXX ) along with of the past certified letters which I will provide below sent XXXXDespite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights. I am not dead please help