davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-28
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: Atlanticus Services Corporation (GA)

To whom it may concern : On XX/XX/XXXX I received an email from " Fortiva '' regarding a " Fortiva Account purchase notification '' with account number ending in " XXXX. '' Alarmed, I immediately called the company and got an automated voice -- as this was a fraudulent account I was unable to type any information that would lead me to a customer rep. I then went online and emailed the company using their email contact service about this fraudulent account and requested that it be closed. On XX/XX/XXXX I received an alert from XXXX regarding an a new account -- I then saw that Fortiva had been added to my credit report with an outstanding balance of {$640.00} with a total for {$4000.00} and that this company had also done a hard inquiry on my account along with XXXX XXXX  -- both on XX/XX/XXXX. Both of these inquiries were the result of fraud. I would like help in closing this fraudulent account and removing it from my credit report. Thank you!
Consumer complaint received 2019-11-28
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: EQUIFAX, INC. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

SURPASSED SOL US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (HI)

I made a payment of {$380.00} Saturday XXXX that was processed and applied the subsequent business day Monday XXXX. Looking at my checking account where the payment funds originated, I discovered this payment made to Centra Pacific Bank on behalf of Elan Financial Services was DEBITED TWICE making my checking account at Central Pacific Bank go in the RED - {$310.00}. 
I called Elan Financial and they said they would reverse the charge and it would take XXXX business days depending on my bank. 
I called my bank Central Pacific and explained the issue. They said to call back today if still having issues. 
Today, I contacted Elan Financial and spoke to XXXX. And she said there is nothing else they can do. I feel they are accountable for this error. I have automatic payments, a bill to pay, gas to put in my car and I can't even by lunch.
Consumer complaint received 2023-10-26
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
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. (VA)

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX09 ( 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 that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Hi I'm writing because I've had account mishandling where my gov pension has been being deposited in my account and an my debit card is being treated like a secondary holders card and when I opened it I told them there are not to be no other users by no one current wife or no one I back in XXXX or XXXX opened the account that was never closed properly in XXXX at the XXXX XXXX branch as I requested due to someone bought shares into the branch that I couldn't see there is a woman with another branch card or personal identifying card of mine an it was linked to my checking not by me and in XXXX at the XXXX XXXX in XXXX XXXX XXXX where the branch manager opened the account was told no one else was to be on the account I was at the ATM to make one a XXXX dollar with draw saw a special veteran benefit deposited in my account around XXXX dollars and the other cardholder withdrew XXXX and the account immediately closed I alerted the branch an call the police where I was disrespected and was told to leave the branch this mishandling that has been going on for yr since I opened the account all money electronic deposits were for me and I received none of my payment for a yr and all money traveling threw the account has fraudulently been given to someone else I'm reporting full bank fraud on all transactions at this bank my device for reviewing secure text messages was stolen and I believe my still be actively being used I'm requesting a full investigation of all transactions in this account and am claiming full fraud and mishandling for every US Dollars traveling thru and transfers an Im asking that you look at cameras to stores transfers and electronic deposits a woman is behind this and as well a girl XXXX XXXX filed a fraud marriage being investigated by the FBI when she got info that I would be receiving pension veteran payments the best mailing address til I get a secure post office box for this moment I do not have and can only receive message and text to XXXX best to text and leave call info or message or XXXX I'm getting my LLC and opening with a different bank please know I only open the accounts deposited XXXX in XXXX withdrew that XXXX and withdrew XXXX dollars all at the branch all moble transactions are fraud as well as all those deposits were stolen please assist if u have a office I'd rather self represent and I and a active federal employee thank u for all your assistance call or text anytime u may have to try more than once thx XXXX XXXX
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion recieved personal information and reported it on me from a company called LCI- I've contacted LCI many times to opt out of there services but they just keep asking me to leave a message an nobody gets back to me. I have never given LCI or Transuniuon Permissible purpose to report anything on me. I've emailed LCI to cease there illegal reporting on my violated my consumer rights. This is tstopping me and my children from Purchasing a home and we may soon be homeless please help.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. 

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent
Consumer complaint received 2024-02-21
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. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have the full account number but this is the number reporting on my credit report. 

However 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

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

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

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX & XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$190.00} ; XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-11
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: Experian Information Solutions Inc. (MA)

I am writing to dispute XXXX  XXXX XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2019-07-29
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. (IA)

There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX   : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX  XXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX. XXXX/XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed the inaccurate reportings with TransUnion, XXXX, several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX  XXXX XXXX A Account Number XXXX TransUnion is reporting an open date of XX/XX/2019, XXXX has an open date of XX/XX/2019, and XXXX XXXX not reporting this account at all. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have sent emails to TransUnion, XXXX, and XXXX on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


DEPTEDXXXX XXXXXXXX  DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (FL)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE 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 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. ''
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

RE : XXXX I, XXXX XXXX XXXX am writing this complaint as a natural person with no third party assistance. In the previous complaint a representative of Navy Federal Credit Union stated that the bill of exchange that I sent to tender payment was not a valid form of payment. If the bills that you send me in the mail are not bills of exchange, what are they? Please define a valid form of payment. Please define a legal negotiable instrument so that I may take steps to settle this matter accordingly.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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