davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Experian XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please get in touch with the creditor to confirm that this account was paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as agreed damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was settled and should not appear on my credit report as owing a balance. You can not report a charge off when an agent of the creditor accepted payment for this account. Please provide written information from XXXX XXXX  stating they did not accept payment in full for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full and on time and never late. You are showing late payment history on an account that was never late. Please remove the late payments from this account because it is inaccurate. The account was paid, and the creditor did not report accurately. 

XXXX 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 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, ATTENTION ATTORNEY GENERAL, the matter still hasnt been completed to success. The credit score isnt corrected, also, the deletion hasnt been given as of yet to the credit report. Previous, the deletion was stated by XXXX to be given, but, in person, online, the unscorable was displayed with the previous student loan information showing and displaying on the Experian.com site. The information was never deleted. I requested the account information to display due to the unscorable credit score displayed, the Experian representative stated there wasnt sufficient credit report information to display any credit score due to a ( n ) non activity within six months. I phoned and emailed continual contact information regarding the six month factual data of the student loan that is within the parameter within the six month time frame. The Experian.com never deleted the student loan information as stated by XXXX, that would have been a ( n ) step in the right direction for me as the consumer, instead, the information just displayed as stagnated and stale. I want the credit report to show the accurate credit score given the previous XXXX with the deductions and erasures made given the previous data of credit history. XXXX, with the {$1700.00} in collections and the XXXX hard inquires with the written off/collection of the XXXX XXXX XXXX Credit Card XXXX I had all erased and deleted. The score should be bold with credit opportunities. In addition, the student loan entirety to be deleted from my consumer credit report ( s ) as stated from the XXXX, addendum, to the amount do display consumer, when provided all details chooses the deletion of the XXXX amount owed in its entirety, total deletion of XXXX student loan. Okay. Not an unscorable. But, now with no debts, hard inquiries indicated, please indicate the new score ; where I as a ( n ) consumer, to receive credit opportunities.Okay. Lets erase the student loan XXXX and recalculate the credit score given the deductions. FAIR CREDIT ACT and all in place, okay. XX/XX/2023. 
WAS XXXX, NOW THE CREDIT SCORE... ... I.E., XXXX, etc.. CLEAN REPORT, THE XXXX STATED TO DELETE THE ENTIRE AMOUNT OWED, IN ADDITION, ALL COLLECTIONS AND HARD INQUIRIES ARE DELETED. XXXX, TO BE CORRECTED AND UP THE SCORE, THANK YOU!!! : - ) Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-03
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: Experian Information Solutions Inc. (SC)

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is REQUIRED to be REMOVED.

** Original complaint XXXX was submitted on XXXX **
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK (TX)

On XXXX XXXX I called Discover Bank reporting that my debit card ending in XXXX was stolen and multiple unauthorized transactions and withdrawals were done using my debit card. The bank stopped the card and sent a new card. Gave provisional credit for some of the transactions and withdrawals. Ranging from {$1.00} to {$200.00}. Then the bank did a reversal of them transactions. Then on XXXX XXXX my debit card ending in XXXX was stolen by ex along with my phone, laptop and other very important personal information. Again multiple unauthorized transactions and withdrawals done using account and card Ranging from {$6.00} to {$190.00} new card was issued and provisional credit given and again a reversal was done with the credit given. New card was issued. On XX/XX/XXXX I was XXXX and placed in the XXXX XXXX XXXX XXXX till my release on XXXX XXXX. On XX/XX/XXXX I had a mild XXXX XXXX and was placed in the hospital till the XXXX. While in XXXX  or the hospital my motel room was broken into along with several others and money, my new phone and debit cards was taken. The camera 's at the motel was not working at the time of the break ins so there was no way to file a report because I couldn't identify any suspect or suspects. I called Discover reported the problem. Card was supposed to be shut off. New card arrived but somehow there was unauthorized transactions and withdrawals again starting XXXX XXXX till and unauthorized transactions stopped on XXXX XXXX. 
I sent Discover Bank all the documents that I had to send the documents were Documents from XXXX XXXX XXXX XXXX, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of the XXXX XXXX XXXX Texas multiple supporting letters and a document from the XXXX XXXX were I was staying and they denied the disputes saying I was held reliable. 
How can I be held reliable when everything was stolen from me and I was in XXXX and the hospital I had no knowledge of any of this or it was even happening and I didn't give authorization to anyone or business to use my debit card or my account information. 
I have became homeless because of this situation and plus had a XXXX XXXX and fighting XXXX XXXX XXXX XXXX and taking XXXX. 
This situation has caused me nothing but pain and gift and cost me {$3800.00} this is total money stolen from me.
Consumer complaint received 2022-11-05
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: SYNCHRONY FINANCIAL (DC)

I recently received a correspondence from Synchrony Bank stating, " we do not have enough information to research your inquiry. Please provide the name of the retailer or merchant and a copy of your credit bureaus report showing the inquiry. '' The correspondence also incorrectly spelled my name, clearly demonstrating the continued negligence and lack of accountability on the side of Synchrony Bank. 

The merchant is Synchrony Bank XXXX XXXX XXXX XXXX. My name is spelled XXXX XXXX not XXXX XXXX, as mentioned to your department multiple times. Also, the XXXX and XXXX credit reports with these inquiries have been attached for your reference. The agent who picked up the phone at XXXX said that they were unable to help at this time because there is no account open with your organization under my social security number. Your organization has been useless in helping and has been illegally pulling people 's credit reports without their permission or legal cause.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors (CA)

A medical bill was found on my credit report from XX/XX/XXXX from National Business Factors Inc. ( file # XXXX ) ( XXXX ) XXXX by XXXX XXXX ( manager ) for charges incurred while I was XXXX in the XXXX XXXX County XXXX in XXXX XXXX XXXX XXXX CA on XX/XX/XXXX. As an XXXX in custody ( XXXX XXXX XXXX XXXX @ XXXX ) is under contract with the county of XXXX XXXX and the State of California to provide medical care for XXXX while XXXX The charges were incurred from XXXX XXXX while in XXXX XXXX XXXX custody. I was homeless and in custody  during this time. I was XXXX  on XX/XX/XXXX and was released on XX/XX/XXXX. This bill should not be billed to my credit report as my insurance benefits ended upon XXXX  and were then covered by the XXXX provider. XXXX XXXX XXXX XXXX XXXX @ XXXX. I have been unsuccessful in getting any support or response from the XXXX provider, but was informed by XXXX XXXX that the claim was not settled. XXXX from XXXX XXXX County XXXX informed the insurance company that I was not in custody during this time while making contact with the insurance company on XX/XX/XXXX. I have a Department of Justice report proving that I was in custody when the incident occurred. This account should be covered by the State of California, and County of XXXX XXXX. This bill has devastated my credit as well as caused my family extreme hardship during COVID 19.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TN)

When I checked my Navy Federal Credit Union account  on XX/XX/2023, {$7500.00} was gone from my account. I noticed XXXX transfers of {$3300.00} and {$4100.00} that were recorded on XX/XX/2023. I was not an active  participant in either of these transfers. All transactions that occurred on XX/XX/2023 were done without my knowledge nor consent. I also noticed a XXXX  account which was the recipient of the scam money. The exact name of the scam  account is XXXX XXXX XXXX. The checking  number of the scam account is XXXX. This account should be frozen and investigated for online scams  and possible hacking. At least {$7500.00} should be reversed from the Navy Federal Credit Union account XXXX. The most likely physical address of the scammer is XXXX XXXX XXXX XXXXXXXX XXXX SC XXXXXXXX. XXXXXXXX XXXX XXXXXXXX of the same street are other likely addresses.
Consumer complaint received 2023-05-14
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. (AL)

XXXX Account XXXX XXXXXXXX was fraudulently open using my information. Equifax has played apart in my identity being stolen due to my compromise during their data breech as well as reporting this account as been late collection account every month! Pursuant to XXXX XXXX XXXX, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2023-06-06
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. (AL)

It has still been discovered that the credit bureau Experian is still reporting a inaccurate address on my report. I sent a letter certified with my identification showing the address that should be reporting. They stated my current address is reporting however they are stating that a previous address is still reporting as accurate. I am steady telling them that the alleged previous address should not be reporting. I contacted the companies that are reporting this inaccurate address and have advised them that the address they have is not reporting correctly. These companies have advised me that they do not show a previous address that Experian is reporting so why does Experian keep knowingly reporting inaccurate addresses? I also contacted the other two credit bureaus XXXX and XXXX they stated they don't have a previous address showing, they only have a current address. I have attached proof that this address alleged previous address are not reporting with the other bureaus. Everything being reported a consumer 's report has to be reporting 100 % correct and it is not. 

According to Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( 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. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2023-03-10
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: LCI Acquisition Inc. (VA)

I am writing to dispute inaccurate information that your company, LCI, has reported to consumer reporting agencies. As a furnisher under the Fair Credit Reporting Act ( FCRA ), LCI is required to provide accurate and complete information to the credit reporting agencies. However, I believe that the bankruptcy information that LCI has reported regarding my account does not comply with the FCRA due to an inaccurate address. The information that has been reported shows an address that is not associated with me, which may have caused confusion and errors in the reporting of the bankruptcy. 

Under Section 1681e ( b ) of the FCRA, furnishers of information must take reasonable steps to ensure the accuracy of the information they provide to consumer reporting agencies. This includes providing complete and accurate information, investigating disputes, correcting errors, and providing notice of dispute. I request that LCI investigate and correct the inaccurate and incomplete information on my credit report as required by this section of the FCRA. 

I also want to bring to your attention that a recent report by your company failed to comply with the FCRAs maximum possible accuracy standard. According to this standard, a report must be both factually correct and free from potential for misunderstanding. It is important for LCI to meet this standard to avoid causing confusion and errors in the reporting of information. 

Therefore, I request that LCI not only correct the inaccurate information on my credit report but also take steps to ensure that all future reports comply with the FCRAs maximum possible accuracy standard. Additionally, I request that you provide me with a written notification of any corrections that are made to my credit report, as well as an updated copy of my credit report. 

As a consumer, I have the right to dispute inaccurate information that has been reported to the credit reporting agencies. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Consumer complaint received 2024-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independence Capital Recovery, LLC (NJ)

Independence Capital Recovery illegally accessed my personal information and provided it to XXXX XXXX XXXX for a collection of a debt I do not owe. I requested validation of debt and instead of providing it, XXXX XXXX XXXX choose to make fun of the way I requested it and never actually addressed my concerns by providing the proof. I am in no way financially obligated to either of these companies and for this reason they should both cease and desist as it goes against US Consumer Rights.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Why havent I received the forwarded copy of the investigation results from my block and delete request due to identity theft? On XX/XX/2023 TransUnion stated the following TransUnion HAS PROCESSED YOUR REQUEST AND FORWARDED A COPY OF THE INVESTIGATION RESULTS VIA USPS MAIL the companys response also stated that I would receive these results in approximately 7 business days. It is now XX/XX/2023 ALMOST 2 MONTHS and I STILL havent received anything from TransUnion. Today I checked my consumer report online and noticed TransUnion is STILL reporting this account. If my block and delete REQUEST HAS BEEN PROCESSED why is TransUnion still reporting this account? Its false and misleading! Im demanding that TransUnion delete this account immediately upon receipt of this notice.
Consumer complaint received 2022-11-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 corrected from erroneous reporting in my file are listed on my credit report : 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