davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX ( XXXX XXXX  ) To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXX XXXX XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXX XXXX XXXX  ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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)

I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

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 15USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of above accounts 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. 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 2023-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Assist me in solving this problem. Also, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Take this chance to correct all the errors. Send me a copy of my credit report as soon as your investigation is done.
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX XXXX XXXX ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXX XXXX ACCT # XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX ACCT # XXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.
Consumer complaint received 2023-03-15
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: I.C. System, Inc. (IN)

This company has been breaking the consumer law and violating my rights for the and refuses to comply with the law and fix their mistakes on my credit report. 

I am not liable for this debt with 1.C. SYSTEM, INC do not have a contract with them, my debt is with XXXXXXXX XXXX so I dont even know why they have access to my personal information which is a violation of my rights! 
15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states 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 calls to believe the information is inaccurate. I demand this account to be removed from my credit report all 3 bureaus immediately and Cease and Desist all communication with me.
Consumer complaint received 2022-11-20
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. (LA)

I sent XXXX documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (NV)

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. 
Experian and XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  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 XXXX 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 Experian and XXXX are 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 update 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, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2023-03-15
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX Personal Loan -- -- -- -- -- -- Account # XXXX Account name : XXXX XXXX / XXXX -- -- -- -- -- -- -- -- -- -- Account # XXXX Account name : XXXXXXXX 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 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 2022-12-14
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. (CA)

Upon reviewing my updates, the misleading information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE the accounts below : XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I opened an account with Truist online a month or so ago, I noticed that I was unable use my debit card and went into the bank to inquires to why. The banker informed me that there was suspected fraudulent activity and that they were in the process of losing all of the accounts. The issue is that I had gotten my first paycheck deposited into the account that morning. The banker kept my debit card and said they could not disperse any of my funds. I have had no money at all for going on a week. I called and went into several different location and can not get a clear answer about anything, most importantly, when I an have my money. I have been told that they sent am email to the department that closes accounts and that it takes up to 48 hours for a response, I called after two days and was told to all again after 24 hours. A this rate I am concerned that it will be weeks before I will see any funds that I worked hard for all of the charge on the accounts an deposits have cleared with no issues and I can not understand why I can not access MY money. I don't like getting the run around and I also can not understand why I ant get a single answer from anyone. I don't care that they're closing the accounts as Truist is clearly not a bank I need to be doing busyness with anyway, but I do care that I have no have money for gas, food, or bills. These are all things that are incredibly important and a massive stress has been placed on myself and my family because of this situation. they lure you in with the promise of a sign on bonus of up to {$400.00} but in return, this is actually what you're going to get.
Consumer complaint received 2023-03-15
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. (MN)

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 : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 2023-03-15
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (PA)

XX/XX/XXXX - Called Aidvantage to request a refund of {$20000.00} since I paid loans off during covid ( post XX/XX/XXXX ) per cares act. 

XX/XX/XXXX - Called again to make sure refund request was put in. They said it requested. ( Hearing and seeing people who requested refund but they didn't put in request. ) XX/XX/XXXX - Called again to see where refund request was at and wondering why Aidvantage didn't update refund only when it's been XXXX weeks since request. They said it was approved but was sitting for manager request to send out to Department of Education. They said it'll be up to XXXX weeks before it updated. 

XXXX - XXXX week mark, but I didn't call yet. Refund nor payment was reflected on Aidvantage sight or studentaid.gov.
Consumer complaint received 2021-03-08
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)

I have mailed out my identity theft dispute to Equifax, XXXX, and XXXX twice in XXXX and haven't received correspondence from the bureaus. I am a victim of identity theft. Account XXXX Illinois XXXX XXXX {$18000.00} is not my account. My personal information was used to open this account. I have uploaded my passport, utility bill, and ssn card with the original documents I mailed usps 2 day priority to XXXX, XXXX, and Equifax.
Consumer complaint received 2018-04-25
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. (CA)

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel Equifax, XXXX  and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
Consumer complaint received 2023-07-22
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.