davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-03
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: American 1st Rate Mortgage, LLC (CO)

AMERICAN FINANCING C via XXXX XXXX XXXX and Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-02-06
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. (CA)

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 accounts 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 : XXXX XXXX .... Balance : - XXXX XXXX BANK XXXX .... Balance : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date filed XX/XX/2020 Status XXXX XXXX bankruptcy discharged
Consumer complaint received 2023-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I.C Systems Inc has been kicked off my credit multiple times and continue to ruin my credit saying I owe for a old modem for XXXX, they have been continuing to herass me and and ruin my credit for something I have never had!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (SC)

In accordance with the fair credit reporting act this creditor has violated my rights.

15USC1681 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 my written instructions.

15 U.S. Code 1681a - Definitions ; 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 ; 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.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA locked my bank account, moving forward with closing the account and not letting me open a new one. On XX/XX/2023 got an online job offer supposedly from a company call XXXX. On XX/XX/2023 interview was done through app XXXX by someone named XXXX XXXX. They offered XXXX equipment, where they FedEx a check for {$4500.00}, told me to be deposited and keep {$300.00} as signing bonus. I proceed to deposit the check. Later they stated that it was their fault and the IT seller need it more money, another check was provided for {$4900.00} and to keep {$200.00}. Later they sent me 2 FedEx tracking numbers which it was valid but later on on the FedEx site it was pending. They say in the meantime to work as a XXXX XXXX XXXX  by depositing multiple checks daily, the checks had a bank account from XXXX XXXX XXXX which is a legit construction company. The checks was instructed to utilize an specific ATM with access to a transfer system call XXXX that pulls the money from your bank account once the check is deposited. The total of the checks deposited was : {$17000.00}. Per USAA the checks bounced leaving my account in negative which I didn't get a chance to see and/or barely got an explanation USAA believing that I scam the bank. My bank account was wiped drained of close to {$2500.00}. USAA gave me no chance to dispute or explained what happened.
Consumer complaint received 2024-05-31
Product: Credit 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: CITIBANK, N.A. (FL)

I WANT TO REPORT THIS FRAUDULENT ACCTIVITY FROM CITI EMPLOYEES WHERE THEY PURPOSELY DELAY, CLOSED A VALID FRAUDULENT ACTIVITY CASE OR DISPUTED TRANSACTIONS WITHOUT EVEN CONSULTING FACTS WITH THE CUSTOME, THIS PRACTICE FROM CITI EMPLOYEES HAS HAPPENED SEVERAL TIMES. ITS BEING REPORTED TO CFPB, AND WILL BE REPORTED TO OTHER GOVERNMENT AGENCIES. 
I submitted a dispute with citi They requested info on the transaction I provided the info. 
Waited several weeks and their response was they closing the dispute cause they see two much smaller credits from the same merchant on my account, which they have nothing to do with the transaccin being disputed. Then I have to waste several hours and days tryin to fix a simple issue.
Consumer complaint received 2022-09-15
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. (NY)

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

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

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-15
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (NY)

I recently pulled may report due to Equifax and XXXX data breached and saw an erroneous and inaccurate account. I have sent 3 letter and over 90 days later no response. I researched my rights and per FCRA 15 usc 1681 ( i ) all information being reported must be accurate. Which it s not and you are violating my rights as a US citizen.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act Conserve Account # XXXX, and XXXX XXXX Account XXXX XXXX has violated my rights. This is my second attempt to correct this issue. Please attach proof of documents. 

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

15 U.S.C 1681 Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to request the removal of a charge off from my credit report, as it is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this charge off is in violation of section 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) of the FCRA, which require that credit reporting agencies accurately report credit information and investigate disputes. 

I am still receiving notifications of the card being charged, which further demonstrates the inaccuracy of this charge off.
Consumer complaint received 2019-12-06
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: National Credit Systems,Inc. (MI)

National Credit Systems Inc. Is reporting false information to my XXXX  and this is negatively impacting my credit. This company is reporting a collection of {$1400.00} This account is not mine. I have contacted NCSI on several dates, they are still reporting this account, please remove and cease reporting to any of my credit bureau 's.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (MN)

Dear Innovis Consumer Assistance, XXXX XXXX XXXX | SSN : XXXX | XXXX XX/XX/1993 I hope this letter finds you well. I am writing to make a formal request in accordance with consumer protection laws to receive my credit report from Innovis electronically via email. Due to my current homeless situation, receiving the credit report by email would greatly assist me in managing my financial affairs. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) empowers consumers to request and obtain their credit reports from nationwide consumer reporting agencies, such as Innovis. Section 612 ( b ) of the FCRA provides the right to obtain one free credit report annually, upon request. Furthermore, the FCRA does not specify any particular method for delivering the credit report, leaving room for flexibility in accommodating individual circumstances. 
Request to Freeze Credit Report : In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I formally request that you place a freeze on my credit report. This measure is essential for preventing unauthorized access to my personal information and protecting my financial well-being. Please ensure that this freeze extends to all third parties who may seek access to my credit report through Innovis. 

Request for Removal from Innovis System : Considering my homeless status and the challenges associated with maintaining a consistent mailing address, I kindly request that Innovis remove my personal information from your system. Removing my information from your database will help safeguard my privacy and prevent any potential misuse or unauthorized access. 

Request to Suppress Personal Information : In line with applicable consumer protection laws, I request that Innovis suppress my personal information from any publicly accessible sources or databases. This includes any information that may be sold, shared, or disseminated to third parties for marketing or solicitation purposes. Suppression of personal information is vital for protecting my privacy and reducing the risk of identity theft or fraudulent activities. 

Regrettably, my present lack of permanent housing makes it exceedingly difficult for me to receive traditional mail reliably. Consequently, I kindly request that Innovis exercise its obligation under the FCRA to provide my credit report electronically via email. This would allow me to conveniently access and review the report promptly, thus enabling me to make informed decisions regarding my financial situation.
Consumer complaint received 2023-01-26
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. (DE)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account 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 {$4200.00}
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the Transunion Credit Bureau XX/XX/XXXX 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.

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (CA)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX : XXXX, 2022
Consumer complaint received 2023-01-26
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)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
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: EQUIFAX, INC. (NV)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX