davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
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. (IA)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING : EQUIFAX : 1. Under 15 U.S.C. 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 delete XXXX  Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 
2. Under 15 U.S.C. 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 delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 

XXXX : 1. The following personal information is incorrect Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX 4. Under 15 U.S.C. 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 delete XXXX  Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 
5. Under 15 U.S.C. 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 delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information. 

XXXX : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. Under 15 U.S.C. 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 delete XXXX  XXXX Account Number : XXXX Account in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ). This account has been disputed and is still reporting inaccurate information.
Consumer complaint received 2024-03-24
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. (CA)

told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-03-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, [ XXXX ] Equifax Inc XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Ive looked at my report back in XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to Equifax XXXX and XXXX via CFPB and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix everything Ive demanded. 

They are committing Federal law violations According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( ili ) by not later than 15 days after receiving a request from the consumer for that description. 

Yet they failed to do that as well either. 
They are also violating these laws as well below : According to 15 USC 1681s-2 it states this. 
( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. May you please adhere to my demands and requests. 

Delete these inquiries listed below immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC (IL)

Ive attempted to contact XXXX XXXX XXXX in the past to dispute debt or due a pay to remove due the fact I dont have a contract to pay them anything nor do I know that person finance company sold a debt to them in order for them collect and Im not sure how XXXX XXXX XXXX found where I lived at when I moved away to a new address I never gave a forwarding address to them nor does XXXX XXXX XXXX have the actual copy of a statement from personal finance company other than they probably got a computer printout from somewhere in order to act like they had the actual contract when they dont since they dont live in XXXX  IL also they tried to an unauthorized credit check without my permission in order to further damage my credit I just want this removed from the credit bureaus they have caused me a lot of financial health problems
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX   and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Despite numerous written requests, the unverified accounts listed below persist on my credit report, contravening federal law. The XXXX Credit Bureau has failed to adhere to the Fair Credit Reporting Act, 15 U.S. Code 1681i, within the legally mandated timeframe, and continues to report unconfirmed information. Given all my efforts to rectify this matter directly with the creditor, this now amounts to willful negligence and non-compliance with federal statutes. I demand the complete removal of the following accounts from my credit reports. 
Inaccurate 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
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I reported an unauthorized transaction on XX/XX/2020. My debit card was in my possession and I was at home caring for my newborn. Chase provided a provisional credit to my checking account for the transaction amount {$650.00}. The merchant provided transaction information to Chase which shows the transaction was PIN and Chip. Chase bank refuses to conduct further investigation into the transaction stating that they do not rely on a customer signature, and the only way for me to recover funds is through a police investigation and to sue the person responsible. The bank apparently also can not view camera footage to see that it was not me making the transaction, and told me that if I can provide proof that I was home caring for my newborn they may be able to investigate again. The problem is I can not prove that I was home, and that would also be a problem for providing that information to police as well as proving that I never gave anyone else permission to use my card - Which was in my possession. 

My identity was compromised in XXXX when Chase bank allowed someone in New Jersey ( I live in New York ) to add my debit card information to their digital wallet for personal use. I found this out on XX/XX/2020 when I reported unauthorized XXXX XXXX transactions and an unauthorized New Jersey utility bill transaction. I believe this individual may be responsible for using my debit card information to make the purchase in XXXX. 

Chase bank states that EMV chip cards can not be duplicated. Research shows me otherwise as it has been successfully done before and there is malware available for purchase on the dark web. I am submitting another dispute with the information that shows EMV chip cards CAN in fact be duplicated. I want my funds recovered.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  My only name is XXXX XXXX XXXX only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. 

Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, and XXXX ignored my opt notice on XX/XX/XXXX. XXXX, Equifax, and XXXX have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for XXXX, Equifax, and XXXX are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report.

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against XXXX, Equifax, and XXXX. 

I've uploaded all relevant documents.
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023 I sent off a letter to Experian asking for my accounts to be looked at for accuracy and completeness of accounts. You can see the attachment to view the accounts I requested to be re-investigated. It is XX/XX/2023 and I have not heard anything from Experian about the re-investigation that was only supposed to take 30 days to complete. These inaccurately reporting items are causing me a great amount of stress and anxiety due to me being in the process of trying to buy a house. Experian has failed to do a timely investigation on my account as well as notify me that any of my accounts are under investigation.
Consumer complaint received 2023-02-23
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. (MD)

Unidentified person applied for credit using my personal information with XXXX XXXXXXXX. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can return.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These accounts on my consumer report are illegal and inaccurate. I never gave any company or credit bureaus permission to report to my consumer report and they are reporting fradualent information. The companies dont seem to fact check the information they are illegally reporting and are giving me a hard time getting these account updated/remove because they are effecting my day to day life. I have tried to communicate with the bureaus through written and verbal communication. This a aggravated identity theft per 8 U.S. Code 1028A.
Consumer complaint received 2024-03-20
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)

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I requested XXXX to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible identity theft.
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rushmore Service Center, LLC (FL)

An account was being reported as charged off and closed by XXXX XXXX XXXX on XX/XX/2020. I received a letter from Rushmore Servicing Center a couple of months later stating that an account had be acquired from XXXX XXXX XXXX by Rushmore Servicing Center the letter stated that they are the current creditor and all communications would be handled by Rushmore Service Center. I sent a letter addressing this matter on XX/XX/2020, I requested to receive the original instrument of validity in its original format and not copies of any billing statements that proves that I entered into a business relationship with Rushmore Servicing Center. I received a corresponding letter from XXXX XXXX XXXX  which I found to be a little strange because I sent the letter to Rushmore Servicing CenteXXXX. The letter I received had copies of billing statements and nothing pertaining to my original request. The letter stated that this was considered to be proof of validation but it wasn't at all what I requested. So, I sent another letter on XX/XX/2020 requesting to receive the same information in the previous letter that I sent. The corresponding letter that I received today as of XX/XX/2020 was the same response I received prior to this letter but still no substantial evidence that validates my request. I recently discovered that XXXX XXXX XXXX  uses the same information as Rushmore Servicing Center and operates under the same umbrella to continuning using tactics to deceive people into believing that they owe on these so call debts when they actually don't