davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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. (NC)

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. 
So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 
They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 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 consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given right 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Consumer complaint received 2022-06-10
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: Affirm Holdings, Inc (TX)

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number.
Consumer complaint received 2018-10-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc. (WI)

Closing on my home XX/XX/XXXX and can't because XX/XX/2018 Experian reporting Inaccurate information on my credit report Experian is reporting that I owe XXXX on my student loan and Ive contacted the student loan people 's they saying my balance is XXXX and I don't owe anything I also have the proper paperwork from the department of education/XXXX I also have a recorded conversation with the student loan people 's saying that Experian is reporting Inaccurate Information on my report
Consumer complaint received 2018-10-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

EQUIFAX COMPLAINT Equifax intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to XXXX XXXX, in 30 days and or til date, despite XXXX XXXX repeated requests. Second, XXXX XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX XXXX. Hence, Equifax again went silent.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (CA)

I had an account with XXXX  XXXX XXXX and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from EWS and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? 

Please help me to resolve this matter at the earliest.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

M & M added a medical bill to my credit report. This bill was paid in full with the company. I have spoken with the company, billing department and the collection company. This action caused my credit score to lower. I would like this matter resolved and removed from my report immediately. The charge is for {$53.00} with XXXX urgent care bill was paid in full XX/XX/2018.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. XX/XX/XXXX), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

I was an XXXX XXXX XXXX XXXX customer but I closed the account in good standing in XX/XX/2010. Today I received a letter from EOS XXXX claiming I owe XXXX XXXX XXXX some {$140.00}, and If I pay by theXX/XX/XXXX, I only need to pay {$100.00}. I immediately called XXXX XXXX XXXX and they put me in touch with their collections department who found nothing with regards to my account. Infact the only information they have is account being closed. This is very disconcerting as EOS XXXX is making a false claim for a debt that is not owed. I am writing this request to bring to your attention the fraudulent practices of EOS XXXX which I have read on the XXXX XXXX XXXX community forum as well as many a people have been scammed by them. Here is the link. 

XXXX XXXX  XXXX
Consumer complaint received 2019-08-26
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. (SC)

Equifax is reporting incorrect and unverifiable information on my credit report. It's been 6 months going back and forth with them about XXXX XXXX and XXXX XXXX XXXX. It troubles me that XXXX and XXXX resolved this dispute in a timely manner but Equifax continues to verify. No pertinent information listed nor who actually verified the information that I disputed. I see no point to dispute it with them anymore. I intend to take it to another level. please note that this bureau is violating the FCRA. I've sent the identity theft report and all formal disputes stating such.
Consumer complaint received 2018-03-09
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. (GA)

Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to Equifax and XXXX intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

I made a deposit into my account and Wells Fargo give me a few and the deposit was enough to cover the charge. I have my deposit receipt for the account I place the funds into due to me not have my primary checking acct debit card because of fraud on the account ending in XXXX. I deposited and than transferred the funds from my secondary acct ending in XXXX. I will not be paying any overdraft fees due to me placing the fund into my account. All of my debit card are suppose to access all of my personal accounts however they do not due to my debit cards being replace and features not being keep. Once again where is my {$120000.00} that is missing. I still am waiting on my taxes documents.
Consumer complaint received 2023-04-07
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. (IN)

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 for XXXX XXXX Account XXXX XXXX XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 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 2020-12-03
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. (AZ)

This account was removed from XXXX. Transunion and XXXX have not removed the account, although validation has not been done. There is no possible way they validated when XXXX  received the same information and could not validate which resulted in the account being removed.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2018 a hard inquiry was reported on my credit report from an unfamiliar bank I don't have an account with. After contacting the bank, they confirmed a credit card was applied for using my information. This was not done by me.
Consumer complaint received 2024-02-02
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)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2023-04-07
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. (GA)

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA 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 whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

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

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation. 

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX- Account # XXXX ( 8 Violations ) XXXX Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXXXXXX XXXX XXXX- Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )
Consumer complaint received 2024-02-02
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. (IN)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2021-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (VA)

Retail Finance Credit Services LLC falsely reported written off debt to the IRS in the amount of {$9600.00} in my name and SSN. 
The IRS is now seeking to bill me over {$2000.00} in taxes as a result. 

I have never opened an account of any kind with them, Have never been contacted by them, and no debt appears on my credit record and history. 

I have reached out to them and was told by several representatives that they had no record of any account attributed to me. I need them to contact the IRS to correct the matter but have not been able to reach anyone in their organization who will help me.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL LOCKED MY ACCOUNT AND WILL NOT UNLOCK IT UNLESS I STEP INTO A BRANCH. I WORK VERY LONG HOURS AND MY ONLY DAY OFF IS SUNDAY. 

THEY LOCKED ME OUT OF MY ONLINE ACCOUNT AND BLOCKED ALL MY DEBIT CARDS, SO I HAVE NO ACCESS TO MY MONEY! 

THEY SAID THEY WILL UNLOCK MY ACCOUNT IF I FAX IN MY DRIVERS LISCENCE AND SIGN MY SIGNATURE 5 TIMES. ( I HAVE HAD A XXXX SINCE OPENING THIS ACCOUNT AND MY FUNCTIONS ARE WORKING A BIT DIFFERENTLY )
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes
Consumer complaint received 2021-12-05
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. (PA)

Several accounts showing on my credit report are unfamiliar to me. These accounts appear on my file are showing without verification. In order for items to show on my credit authorization must be on file. I am requesting to see all verification documents submitted to verify these items.
Consumer complaint received 2024-02-05
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. (MD)

I have attached a FTC Identity Theft Report outlining fraudulent accounts, that are currently listed on my credit report and file. XXXX XXXX with account number XXXX for the amount of {$12000.00}, and account number XXXX for {$27000.00} are fraudulent and are not my accounts. I contacted XXXX as well regarding this issue. I demand these transactions that were a result of identity theft be blocked and removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination. This request was not made in error I am competent in making this request. I did not receive any goods, services, or money in any of these transactions. 

Thank you for your prompt assistance.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Braviant Holdings, LLC (OH)

Was contacted by XXXX regarding a debt from a loan company balance credit in the amount of {$2400.00} for a {$600.00} loan. First call I received at my place of employment was from XXXX XXXX a government compliance officer that was going to come to my home or job to serve me court papers left message on my work phone my moms phone and my personal phone with my personal information including my social security number. Talked with XXXX from the number XXXX. Made arrangements made 3 monthly payments of {$240.00} and one payment of {$170.00}. Well after doing research balance credit is not a legal loan in Ohio so I was only responsible for the principle balance so I stopped all future payment. This company harassed and makes threats and also pretend to be government worker used to threaten people into over paying on debts. They also would provide me with proof of the debt in written and threatened that if I didnt pay they would sue me without debt verification