davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX, XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-11
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. (NV)

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 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 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP (GA)

I was shocked when I reviewed my credit report and found 90 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-09-16
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: EQUIFAX, INC. (OK)

There are SEVERAL issues with my equifax report. I have been trying to resolve these issues for years and nothing has been fixed. 
# 1. Phone, address, etc not updated for several years. I have mailed and spoke to them about this several times. Each time I have been told it was fixed. I do n't find out otherwise until one of my accounts gets closed or I get denied due to info not matching # 2 : listed account-XXXX XXXX is WAY out of date. It has not been updated since XXXX. This is huge bc since then I have not had any late payments and the account is open in good standing. Due to that out of date info and othet issues, my XXXX score is continously going down and affecting my CURRENT CL. 
# 3 : SEVERAL accounts are missing. These not only provide more open accounts on my report but it ups my limit, reduces my utilization, affects my open account history etc etc. 
# 4 : I have been unable to get my reports / score from equifax for several years. I keep calling and doing their processes over and over. Nothing. 


All of these things combined are having a serious affect of my life. I am constantly getting declined bc of equifax and my current credit is being affected. I HAVE TO GET THIS FIXED AND CORRECT INFO SENT TO ALL RECENT INQUIRIES!
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2023-01-11
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. (MN)

Experian the req notice of dispute was not entered with in 30 days of the completed investigation back in XX/XX/2022 factual base information was sent to you the account needs to be removed since you said youve updated it could you send me your method of verification and explain how can you go back and update the req notice of dispute from XXXX of 2022 when the law says with in 30 days of the very first dispute youre in violation of the FCRA Experian FCRA 623 ( a ) 3 could you also provide me a copy of what this Particular statute indicates with the method of verification I want you to explain it to me in your terms Remove the account Thank you
Consumer complaint received 2021-10-01
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: Resurgent Capital Services L.P. (AL)

I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
Consumer complaint received 2017-09-16
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: Commonwealth Financial Systems, Inc. (TX)

I have made several attempts to reach out to this company Commonwealth Financial to have the negative remarks they report and update on my credit each month removed. I have never authorize or open an account with this company. This company is intentionally ruining my credit. They claim they have mailed me out bills but I have n't received anything from this company. They constantly hit my credit with an amount of XXXX and XXXX dollars. It reports on credit as a new loan. If this company can not produce a signed contract from me, the consumer, they must remove the debt from my credit report per the FCRA. These amounts are updated each month as if I took out a debt with this company.
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

On XX/XX/XXXX 2019, I received a collection letter from Halsted Financial Services , LLC . The letter indicates that my account has been placed by XXXX XXXX, XXXX with agency for collections. The outstanding balance is {$310.00}. The original creditor is XXXX XXXX XXXX AND the current creditor to whom the debt is owed by XXXX XXXX, XXXX. 

This is a fraud because i have never applied any loan with the XXXX XXXX XXXX nor do I have a knowledge about the company. Someone stole my identiy to apply for the loan. It's also noted that I have never received any written notification in regards to the loan or statement from the XXXX XXXX XXXX. I just certainly received a collection letter on XX/XX/XXXX/19. The XXXX XXXX, XXXX has already reported my on the XXXX  agency and it has already effected my FICO score. 
I also filed a fraud report with a local Police department. I disputed a debt to the XXXX XXXX XXXX company and contacted XXXX  to dispute the collections.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX th a refund for XXXX from XXXX XXXX  ( the vendor ) was issued to my account that had been closed. The account was from citi bank it was XXXX. I had recently closed the account a few days prior. I had called the vendor and explained this but they said nothing could be done. I was told that the bank would return the funds to them and would be issued back to me in the form of a check from XXXX. I called the vendor several times over the next few months in an attempt to get an update. I called today XX/XX/2021 as well at XXXX XXXX XXXX  They said the bank has still not returned the refund and will try to escalate it by contacting them. I called citibank as well and was told it could take months. It has been months. Recently I was issued a refund for concert tickets from XXXX The purchase was for XXXX. Refunded on XX/XX/XXXX. The same thing happened as I had purchased the tickets a year ago so the card on file was with citi bank and or my current bank. The purchase was made through XXXX. I called XXXX for help was again forward to my old bank. I called and inquired about this. They said as soon as they receive the refund they will return it. Im worried i will not get either of my refunds because I am not being heard and am playing tennis with vendors and my old bank. The common denominator seems to be citibank. Please investigate or encourage them to follow through with the return refunds. This isnt right. I am a city government employee who frequently puts myself at risk to serve XXXX and a big bank is just stealing my money XXXX XXXX!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2021-04-02
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. (MD)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2017-09-11
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)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-04-02
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. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (UT)

Early XX/XX/2021 Binance.US locked my account to the point where I was unable to withdraw, deposit or otherwise trade any of the money in my account, a total of {$4000.00}. We are now at the end of the month and after MULTIPLE attempts at contacting the company via their " ticket '' system, I have yet to hear anything from them and my account REMAINS completely frozen. They are in possession of MY MONEY and will not allow me access at all. THIS HAS TO BE ILLEGAL!!
Consumer complaint received 2023-01-11
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. (TX)

I have called Experian repeatedly concerning their miscalculation of my credit usage. They are reporting XXXX XXXX credit usage when the other bureaus have it correct at around XXXX XXXX. This is causing my XXXX XXXX to report much lower than it should and hindering my ability to get a loan at the proper interest rate. I would like this to be fixed as soon as possible.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Chrysalis Holdings LLC (IN)

NewDay USA rep erroneously stated that I do not have an existing credit file because he is a rude rep in my opinion and doesn't appear to have any integrity. This company continued to pursue me for loan even after there false statement concerning my credit report. The statement is extremely inaccurate. I explained to the rep Mr. XXXX XXXX on numerous occasions that I am currently in a loan and have had a credit report for almost 40 years and that I am in a VA loan currently yet he insisted that I am a " XXXX XXXX   '' on all credit reporting agencies sites. This statement is false as I have just closed a personal loan and I am in the process of refinancing my VA loan. I told Mr. XXXX on XXXX that I am refinancing my loan through my current loan provider and yesterday, and today I got a denial letter stating I don't have a credit file. I think he and ND felt rejected and this denial letter was their way of retaliating. They ( NewDay ) were even XXXX enough to write down what I know to be false. Mr. XXXX couldn't help to mention that he has " never seen this before '' referring to that I supposedly on his end am showing " no credit report '' from the credit bureaus. Amazing or not!
Consumer complaint received 2019-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

have sent multiple letters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX  has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX