davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX Closed XXXX potentially negative months Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XX/XX/XXXX Credit Limit - {$2000.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Joint Account Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$3700.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Highest balance {$1700.00} Monthly payment {$0.00} Late payments - XXXX 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 XXXX XXXX XXXX XXXX - - On Time - Data Unavailable Additional info Responsibility Terminated Terms Revolving Company sold - Original creditor - Comments -experian is the one publishing
Consumer complaint received 2022-10-24
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. (NV)

The Department Of Education has 2 discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX  other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the one false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.
Consumer complaint received 2022-03-16
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. (AR)

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXX'There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (DE)

Today on XX/XX/2022 I received an email from Chime stating they closed my account. I got no warning, no reason why and now XXXX not happy. I have a sick mother who recently had XXXX on XX/XX/XXXX and I went for her XXXX and scheduled to go back to Virginia Thursday. This has been and caused a HUGE inconvenience. I get paid every other Wednesday and my direct deposit from my job is scheduled to come tomorrow XX/XX/2022. I work for XXXX XXXX at home. I have bills to be paid tomorrow and again need my account open to be able to get an XXXX from the airport and to my mom and eat and simply do everything. I also have a scheduled refund from XXXX that is coming to me. XXXX just so distraught by this. I have attempted to contact chime and no one has responded to me and there is no way to speak to a live person. I even sent a dm on XXXX and XXXX and they just have an automatic response. This needs to be resolved quickly. I have a sick mom. Ive never misused my account. I paid back the spot me balance every paycheck and my history has been great these last few years. I have no other bank and I am freaking out at this moment typing this.
Consumer complaint received 2022-03-16
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. (GA)

Dear Consumer FInancial Protection Bureau & Experian Dear CFPB this is not a duplicate and this is a follow up on the response that Experian sent to me via email yesterday. I am submitting new documents to you as a complaint that will hopefully get Experian to closely look at what I am requesting and what I am submitting to them. I received a response that they are deleting " XXXX '' inquiries off of my report and in reference to CFPB # XXXX the original complaint they again have ignored my request and again are doing a stall tactic.I am desperately asking that the please handle this matter promptly and discontinue to ignore my request as being a victim of identity theft. Initially, I praised them for their efforts but after taking a closer look they did not do anything but send me a letter requesting the same information and this happens almost frequent. I can go to experian.com upload documents and they claim to never get them etc..just prolonging and continuing to be unethical and damaging my creditworthiness. 

I have uploaded my drivers license and items they have been requesting since XXXX and they should have what they need on file. Instead they send the same letter asking for the same information. I am not sure why the send back to me a letter that request the same information over and over which it truly frustrating. They need to please handle this matter promptly for this is about the sixth time I am sending this information. This time I am submitting what they are requesting for our tracking purposes and so that you at the CFPB can see if Experian will handle my file in the most ethical manner. 

Attached again are my a copy of my drivers license, bank statement to have these items deleted as soon as possible. Also attached is the same document that Experian sends as a stall tactic instead of fixing my problems. It disturbs me how they can continue to destroy a person with their business practice ignoring and not doing as they say they would. 

Experian it is time that you please do the " RIGHT '' thing and discontinue damaging my creditworthiness. 

Other requested information XXXX XXXX XXXX XXXX XX/XX/XXXX Preivous address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Current address XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-03-16
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. (IN)

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial XXXX. Made a previous complaint and Equifax closed the compliant on basis that they could not verify my information therefore I am submitting this compliant with my ID and any other verification they may need.
Consumer complaint received 2019-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prohealth Care, Inc (NY)

I have a company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ny XXXX Says I owe a debt to XXXX XXXX XXXX XXXX file number XXXX i have never stepped foot in a prohealth care facility in my life
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX  XXXX : Account # XXXX, XXXX : Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NC)

I took out a loan with XXXX  back in XXXX when I was XXXX in Alaska to purchase my used XXXX XXXX XXXX. I've had issues with them a few years back while I was in XXXX and haven't been able to reach them since. I've been making all these payments and have no idea where my title is. 

I also had an account with XXXX financial.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I acknowledge the partial removal of fraudulent items from my credit file, originating from alleged fraudulent activities, yet several entries remain that necessitate deletion. As a victim of fraudulent activity, I am submitting an additional request for the removal of these items in compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the elimination of such entries no later than four business days following XX/XX/XXXX. This issue has been previously highlighted in my correspondence and FTC report, now reinforced with a new FTC Report # XXXX. The details of the items still listed, which are unfamiliar to me and have been expunged by other bureaus, raise concerns regarding their validity. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. This communication serves as a formal notice and complaint. Failure to remove the aforementioned items will compel me to pursue legal action. My legal counsel has been informed of these intentions and is prepared to address your noncompliance through litigation. This notice is issued as a new request for the deletion of entries stemming from alleged fraudulent activity.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

The GoodYear Credit card from Citi fails to secure customers ' online account security and privacy. It did not implement 2 step/factor authentication, and therefore the site is vulnerable to unauthorized access. My repeated secure messages requesting implementation of XXXX have been neglected and appeared to have refused. Only standard XXXX  responses have been to call, as if that is holding off the security status of the online account.
Consumer complaint received 2017-09-08
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. (NY)

I have been impacted by Equifax 's recent security breach, and I believe the company has demonstrated gross negligence in the management of my personal data putting me and hundreds of thousands of other US citizens at risk. I am listed as being impacted by the security breach on Equifax 's equifaxsecurity2017.com website. Additionally, the company was negligent in it 's response to this security breach, and did not notify those impacted by this breach quickly enough and admit that they will not notify everyone.
Consumer complaint received 2022-05-05
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: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Equifax had knowledge of compromised data by XXXX XXXX 2017 and said nothing, leaving people unknowingly exposed for multiple months. Also had many difficulties putting a freeze on my report with them including being hung up on when I asked to repeat my PIN number for the freeze.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my credit report on XX/XX/year>. On XX/XX/year>, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the XXXX agencies on the phone XX/XX/year>, to update my information on the credit report. I mailed another letter to all XXXX credit reporting agencies on XX/XX/year>, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/year> ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/year>, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Consumer complaint received 2022-03-16
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. (WA)

XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.
Consumer complaint received 2022-03-16
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. (WA)

XXXX is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.
Consumer complaint received 2022-03-16
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. (NJ)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want these accounts removed off my credit reports because of fraud, all these accounts were open fraudulently, my information was exposed in a data breach with XXXX, these creditors are providing false information to experian and XXXX, I will provide a ftc identity theft report, and my personal information to block these accounts once removed, XXXX XXXX remove this account, I called because a card was sent out to me for an account I did not open remove this account I ask XXXX XXXX to remove this because its fraud, XXXX XXXX XXXX XXXX credit card remove this XXXX XXXX XXXX XXXX has committed fraud against me, enhanced recovery for XXXX dollars original creditor XXXX this account is fraud because XXXX leaked my information on the dark web, I have filed complaints with both attorney general in ga and XXXX  XXXX, XXXX credit card please remove this account is fraud my information matched because someone open this account fraudulently, XXXX XXXX car loan, remove this account is was open fraudulently using my information because of XXXX XXXX breach, XXXX  XXXX
Consumer complaint received 2022-03-16
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. (FL)

I HAVE ATTEMPTED ON MULTIPLE OCCASIONS TO GET THESE ACCOUNT REMOVED AND THEY HAS FAILED TO INVESTIGATE AND GET THESE FRAUDULENT ACCOUNT REMOVED. I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE SUBMITTED MY FTC REPORT, MY IDENTIFICATION, I'VE CONTACTED THEM SEVERAL TIMES, IT HAS BEEN REMOVED OFF XXXX. ADMISSION EQUALS DELETION SO WHY HAVEN'T THESE FRAUDULENT ACCOUNTS BEEN REMOVED..
Consumer complaint received 2017-09-08
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. (CA)

I was affected by the breach in information Equifax had in XX/XX/2017. They believe my information to be compromised, SSN, Address, DOB, everything. This is entirely unacceptable and I expect resolution. The entirety of my identity is now not safe and will require my constant monitoring.