davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I, XXXX the consumer, called Experian to have inaccurate information removed said they would not be able to change any information with out an FTC or Police Report concerning any of the false, inaccurate, or misleading personal consumer private financial information that I stated was incorrect on my consumer profile that they were reporting without my permission. They would not initiate a dispute over the phone without the Police report or FTC report. As a consumer, it is my right to financial privacy, equality, and respect according to Congress. Experian as a consumer reporting agency has a duty that they are obligated by Congress, in place to ensure accurate information at all times concerning consumers. This a violation of my rights and my consumer creditworthiness has been injured as this false and misleading personal financial information has been given to over 33 companies. The inaccurate information is a result of identity theft concerning transactions that were not initiated by the consumer. If any information was collected from any self-test, I was never properly disclosed nor did I give my written ink signature to agree to have this false, inaccurate, and misleading information placed on my consumer profile. According to Regulation B, Credit profiles are considered false fictitious information and should not be used when evaluating an application for consumer credit transactions but the use of a fictitious profile has to be disclosed to the consumer and they have to volunteer to take the self-test. I was never aware. I am requesting methods of verification used for this information to appear on my credit profile and they actually certify that the creditors met to provide this information on my consumer profile. Also, remove the inaccurate information,
Consumer complaint received 2023-05-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (ME)

# 1.

I have made several attempts to have an issue that violates a federal statue removed from my credit report with Experian, the debt collector and the establishment. 
Prior to moving from XXXX to XXXX XXXX I had t file an XXXX XXXX XXXX  against a XXXX XXXX XXXX XXXX who also had my XXXX XXXX XXXX daughter ( at that time ), also file charges. I was honest with management and chose the complex because it was gated, amongst many reasons. 
I signed a 6 month term due to the nature of my fear and unsettled state. 
One of the managers told this person, when he called, I did in fact reside there giving him the opportunity to find me. He did. I filed a complaint with the police as was my instruction from the Court. 

I have attempted to have this removed from my credit report as it is a violation of my constitutional and federal rights according to statue 13-3601.

A. A tenant may terminate a rental agreement pursuant to this section if the tenant provides to the landlord written notice pursuant to this section that the tenant is the victim of XXXX XXXX  as defined in section
13-3601 or was the victim.

I had to move after having an XXXX XXXX XXXX violated as a manager of this apartment told the person I filed against I was living there. He was able to find my new phone number and started communicating with me again.

I followed all of the correct measures and I filed a new violation report with the police, in the city before I exited the property. When I left it was spotless, despite a one week disturbuance of my peace I had with an property flooring issue that required my leaving because of fumes.

In addition I have submitted all of the necessary paperwork including embarrassing personal information to the credit bureau 3 times. Each time all of the participants in this complaint restart this clock as if this was XXXX in a bullying attempt to force to pay for months I neither was contracted to pay nor required by this statue. 

# 2 I have not had anything change credit score wise, over 3 years although they have corrected some information, Experian changed incorrect information but has yet to raise my score but XXXX points in 3 years while all other credit bureaus have raised my score at least XXXX points. 

These issues that should have been resolved from XXXX have resulted in my being turned down from other apartment rental approvals ; Employment opportunities and even Non-Profit Volunteer opportunities. 

This needs to be resolved once and for all. I currently hold a XXXX XXXX XXXX with Experian, A XXXX with XXXX XXXX and a XXXX with XXXX .... Experian has not moved but XXXX points in 4 years. This is not reasonable nor acceptable. 

This issue violates my protected rights as a XXXX XXXX victim and re-victimizes me b y doing exactly what this person was trying to do in the first place back in XXXX.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dyck-O'Neal, Inc. (NJ)

I am writing to formally dispute the re-aging of a collection account on my credit report ( XXXXXXXX XXXX XXXX XXXX. The account in question is with Dyck O'Neal, and the account number is XXXX It has come to my attention that this account has been re-aged multiple times, which is illegal under the Fair Credit Reporting Act ( FCRA ), also the debt is more than 7 years old. The account was opened on XX/XX/XXXX and the date of last activity is XX/XX/XXXX. 
Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately.

In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.

Please find attached a copy of my credit report with the re-aged account highlighted for your reference. I also request that you provide me with written confirmation once this account has been removed from my credit report. Under the FCRA, a collection account can only remain on a consumer 's credit report for seven years from the date of first delinquency. Re-aging an account is a direct violation of this rule, and I request that you investigate this matter immediately. 
In accordance with the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. As such, I kindly request that you remove this account from my credit report, as its presence is causing significant harm to my credit score and my ability to obtain credit.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-15
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. (TX)

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

XXXX XXXX XXXX XXXXXXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX- Student Loan xxxxxxxxxxx XXXX XXXX- Student Loan xxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX  XXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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 2024-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im trying to purchase a home and Transunion is reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX
Consumer complaint received 2024-01-17
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. (MI)

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 XXXX Account Number: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 2022-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act, this creditor have violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy 15 USC section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-15
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (TX)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some specific records in my document that came about as erroneous. The records I am questioning are all inaccurate informations. No one cares about it, delete the inaccurate of any information in my credit record that came about due to an alleged fraud. These are the items that seems to be an error on my file that needs 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

This complaint is about Coinbase. 
At around 9k, I got locked out of my account with no real explanation as to why that is. When I contacted coinbase support They made me submit several documents and identification. To no avail, I contacted them again and this time I had no answer from a human being only get a answer from the operator. I still don't have access to my funds, they never really explained to me how it is the my account got randomly locked, and now I have no response from the support team.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express account ending XXXX. 
On XX/XX/2021 I requested that this account be closed and the reward dollars transferred to my other Amex account ending in XXXX. 
Amex closed this account and forfeited the reward amount of {$540.00}. 
They said this was the terms of the contract and the rewards could not be transferred. 
On XXXX XXXXXXXX XXXX PST i spoke to AMEX agent XXXX  XXXX ID # XXXX and she said she would see that this problem would be resolved. 
I subsequently received a letter from AMEX stating that they could not do anything becuse of the contract language. 
I wrote letter to AMEX-Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I would like to receive the rewards balance in this account when it was closed. AMEX should have contacted me and let me know of the problem so that I could have used the reward dollars before the account was closed.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (FL)

This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2022
Consumer complaint received 2023-07-15
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. (TX)

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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I needXX/XX/XXXXXXXX opened XX/XX/2021, XXXX XX/XX/XXXX GXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XX/XX/XXXX BANKRUPTCY and inquires XXXX CREDIT, CXX/XX/XXXX removed XXXX my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2023-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (TX)

My husband and I, who are both XXXX XXXX, applied to Discover Home Loan ( DHL ) to consolidate unsecured loans we took to start a business on XX/XX/XXXX. The requested amount was {$300000.00}. My credit score was XXXX and my husband XXXX, we have a combined XXXX income of over {$220000.00} + gross rental income of $ XXXX. Our primary home we were borrowing against is valued at {$800000.00} with a mortgage of {$170000.00} with $ 2200 monthly payments. After pulling our credit, XXXX offered an approval, requested documents and sent us documents to esign to move process forward. We received an email to provide more documents and received a denial within XXXX of request without having our response or any contact whatsoever. We reach out to XXXX and was told we had been denied because we claimed losses on a business we just opened on our XXXX tax return. We explained the business opened in XX/XX/XXXX and had gross income of about {$100000.00}. But rep we spoke with insisted unless business was closed we could not be approved regardless of our credit worthiness. We were informed that our credit worthiness was not all they looked at to approve and would not provide further information. Personal loan advisor made no attempt to reach out to us and refused to take our calls. Another personal loan advisor we spoke with stated shed never seen income calculated the we ours was and would reach out to the underwriter for an explanation. The underwriter never responded to the request.