davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
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. (TN)

On XX/XX/2022, I mailed a letter to each of the credit bureaus asking for verification on items that are reported differently for each of the 3 bureaus. On XX/XX/2022, I mailed a letter to each of the credit bureaus asking that they provide a number of details about each item that was challenged. No response has been received and the items that I requested proof of validation on have not been confirmed. 

I am kindly asking for help with resolving this matter as it has been much longer than the 45 days and I still have not received a response. 

In accordance with the Fair Credit Reporting Act, the following XXXX  Accounts have violated my rights : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602A. It states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX on XXXX XXXX Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Consumer complaint received 2022-04-08
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. (TX)

This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.
Consumer complaint received 2022-01-23
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. (TX)

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-04-19
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. (FL)

I sent a dispute letter to all 3 Credit Bureaus and they did not comply in the 30 day window and the bad information still shows in my credit reports.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (IL)

XXXX XXXX Experian These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

there were 2 fraudulent charges made for {$5.00} in XXXX, i have never used this account and had requested it to be closed more than 2 years ago the account had a zero balance. After these 2 fraudulent charges were made in XXXX there is a balance of {$13.00} which citi cards have reported me 60 days past due on my credit report causing my credit score to go from XXXX to XXXX. I'm in the middle of a home purchase and because my credit score has dropped significantly due to this fraudulent {$13.00} charge my loan rate is being increased significantly. When I became aware of the issue i notified citi cards who issues the bust buy credit card and they provided a reference number of XXXX and told me I would receive a letter and the report would be updated. I called again today and the report was still not updated and they are saying it will take 7-10 days now to update the credit report. They provided a new case number if XXXX. Never has Citibank even tried to reach me about the 2 charges for {$5.00} from XXXX on my statement it shows they were reversed the same day they were made and the card was closed due to fraud, I never received a call a letter nothing, this account has not been used in years so that should have been a reflag plus the charges were out of XXXX. I also want to know why when I requested the card to be closed when I paid it off several years ago it remained open. Ive now spent several hours of my time trying to correct this issue and have no confidence that Citi will do what they have now told me they would do for the past several days.
Consumer complaint received 2022-01-23
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. (CA)

XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXXXXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Consumer complaint received 2022-01-23
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. (NC)

It has come to my attention that continued requests for removal of multiple incorrect addresses appearing on my credit report are still entered as home or residence locations on my credit report. I certify that I have never lived at any of the locations listed. I have been at my current home for the past 16 years. 
This information has led to many negative occurrences to my credit and life. 

This is a demand to again, remove these addresses!
Consumer complaint received 2022-10-12
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. (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.

wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX ID - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.
Consumer complaint received 2022-02-19
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NJ)

There has been a collection that got posted on my credit reports from a frivolous called debit collectors ( Receivable Performance ), I never heard of this scam agency nor that I ever had any contracts with them or ever signed any documents or agreements with them or ever heard of it. I want this scam to be taken off my credit reports immediately. they posted their scam on XXXX credit bureau and XXXX  credit Bureau
Consumer complaint received 2023-09-11
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-23
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. (UT)

All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the Credit Union and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the credit union end stating that Experian, XXXX or XXXX would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( EXPERIAN ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from Experian XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent:XXXX Received:XXXX Submitted for Investigation:XXXX Response from Experian : XXXX - Results : Unchanged Letter # 2 ( EXPERIAN ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY Experian/TU/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( Experian ) XXXX Rcvd XXXX XXXX XXXX Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( Experian ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from Experian : XX/XX/XXXX - Unchanged Letter # 1 ( XXXX ) XXXX 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer 0616 4.6 ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX ( XXXX ) Sent : XXXX Rcvd : XXXX NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete 0616 4.6 ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX 0915 4.3 ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX Sent:XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for XXXX? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # 2 : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX
Consumer complaint received 2022-09-27
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. (AE)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Discover Card has been setup on a payment plan and balance has been agreed upon for settlement. Discover card has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.
Consumer complaint received 2022-07-07
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. (CA)

Today I spoke to XXXX employee number XXXX at Equifax about fraud on my credit report concerning inquiries. 
After first asking if he was the fraud department I was put on hold while he located my credit file. 

I spoke about the two FTC letters that I had previously sent to have inquiries removed that were part of identity thief and that were not tied to any accounts that are reporting on my credit file. 

I have included XXXX letters that I filed with the FTC concerning the inquiries and the letters I sent along with the FTC LETTERS. 

I was told by XXXX that inquiries are not disputable and when ask about document of the stated process concerning inquiries I was told I can have that document. 
I was also told that they were not removed even though I received a letter stating they were was because I didnt separate the duplicate inquiries as separate line items. 

As you can see I have sent multiple lettersFTC reports and Equifax even had a fraud alert that I never requested on my report while some of the inquiries took place!!
Consumer complaint received 2022-01-23
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. (FL)

Experian claimed that they verified the information for a bankruptcy on my report with the reporting company which would be the court that is listed. However, when asked previously for them to provide the information they verified with the courts they sent me back a copy of my credit report stating the information was verified by XXXX XXXX and remains. I then wrote to the courts that clearly stated in their response to me that they do not provide information to third party entities. I also contacted XXXX XXXX and there was no information found. Which means that this information is inaccurately reported. 

I then sent another letter to Experian attaching a copy of both responses and they again claimed to have completed their investigation and verified with the company. Again, the information still remains. 

To date, they have not properly responded to my initial request to provide information with the institution who provided or validated the bankruptcy. Also, that they stated the information was verified with XXXX when a bankruptcy lies in with the courts and the court clearly stated in their letter they do not furnish information to them.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I logged into my online banking with Chase and noticed that one of my credit cards had shown closed. I contacted their executive office and they said yes indeed it was closed and they would research it and get back to me. This is the third time this has happened and they have reopened my account in the past. 

I understand that Chase may reserve the right to close my account due to inactivity but as a financial institution it is within their operating agreement that they will not do financial harm to their customers. 

The account they closed is my second oldest tradeline. By closing it, they have effective done financial harm to me by reducing the number of tradelines I have open as well as my credit age which has not been cut in half. 

Chase called me today to tell me they sent me a letter several months ago telling me my account is going to be closed. I did not receive this letter, if I had I would have contacted them earlier as I had done so in the past two occurrences. 

I would like Chase to reinstate my account and give me the opportunity to keep my stellar credit profile. Other than a single letter that they claim they sent ( to cover their own interest ) they made no effort to reach me either through email or phone ( of which they could have easily done ). They took almost no effort to protect me from the financial harm that they knew this account closure would do.
Consumer complaint received 2022-07-07
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

I was charged too much interest on a {$18.00} balance. My interest rate is 21.99 %. I was supposed to be charged XXXX, a little under {$4.00}. My balance on XX/XX/22 was {$18.00}. I was charged two and a half times interest on a balance that was only {$18.00}. Apple/Goldman Sachs Bank is not giving me a clear explanation as to how they will rectify charging me double the interest rate for a {$18.00} balance. It is against the law to charge me double the interest rate.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (MS)

I XXXX XXXX never had Auto Loan with XXXX XXXX XXXX. This account was disputed with the nureaus. But, however Equifax Credit Bureau held the fraudulent account on my credit file
Consumer complaint received 2023-09-11
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. (NJ)

this is the follow-up request for the following fraudulent items to be removed from the Credit report. My complaints are always ignored. Please delete these ASAP. 

EXPERIAN : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2022-01-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

On XXXX XXXX there was a collection placed on my account for the Amount of {$920.00} from XXXX XXXX I have made several phone calls to get this disputed. I reached out to them and told them this account was closed and sent multiple letters they stated they never received them in XXXX.