davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Delete the following undeliverable addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SD)

XXXX XXXX I dont know how they got my information and how they think that I owe this debt? This contract looks like electronic signature?? Where is the proof and eye witness on behalf of this debt? This is not my signature and did not sign that contract. Ive never lived at that address. I lived at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. During the time frames XXXX. This is fraud and then after almost 4 years I have this third party ( who I do not know ) Fair Collection Outsourcing reporting a bad debt against me I had to find out through my credit report. Never received a call or anything. Not only did these to companies put me in financial bind but these companies are ruining my credit! I cant even find any job find new rental property or buy a car for that matter because of this issue. I demand that this creditor to be removed off of my credit report. I dont owe you any money and you need to show me proof of your investigation. It shouldnt be the other way around.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (SC)

To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. 
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. 
I demand the following account to be verified or removed immediately. 

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. 

Best regards, XXXX XXXX, XXXX
Consumer complaint received 2024-01-20
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. (IL)

I have been contacting Experian for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX XXXX  who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to Experian who keep saying XXXX XXXX certified this information. I am requesting information be deleted.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

This morning on XX/XX/2024 I woke up to emails and alerts from my XXXX XXXX app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX  checking account that was linked to my XXXX XXXX mobile app.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

Chime institution keeps denying my claim for the amount {$990.00} and they have proof that I had no knowledge of a transaction that occurred on XXXX XXXX for the amount of {$990.00}. I sent them XXXX XXXX statements directly from XXXX & even a message where I replied 'no ' when asked if I was the XXXX trying to make the transaction and somehow it still went through ( not on my wallet, someone used my debit card info and took money ) so I proceeded to provide them statements from my XXXX XXXX because that's what I was asked for so I contacted XXXX and got them the documents and it clearly shows that those transactions do not show up on my account. Somehow I keep getting denied with all then proof in the world. I've had my chime account open for months but never used it and they now just told me that there was plenty of failed transactions for XXXX when I was not active so I don't know what other pro they need.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I deposited a check wrote to myself from my XXXX business account into my Navy Federal Credit Union personal account via ATM machine on XXXX XXXX. in XXXX  XXXX, XXXX On the line I wrote out {$7000.00} but, in the box, I wrote {$1700.00}. XXXX flagged the check and asked me to call them once I was made aware of the error XXXX advised that they go by what is written on the line so they will go ahead and process the check and release the funds. I spoke to NFCU and they advised the check would be on hold for 5 business days to ensure the funds cleared. After 5 days they advised the check was on a permanent hold until XXXX provided a letter stating the check is indeed valid. I reached out to XXXX via phone and in person and was told they do not write letters that the funds were release to NFCU on XX/XX/XXXX so they are not sure why they are holding the funds, but they can do a bank-to-bank verification NFCU would just need to reach out to them. NFCU stated they would reach out, but it would take 30 days that I would need to call back in 2 business days to see if the case had been assigned to an officer. I called NFCU back 3 business days later they advised they not sure why I was told that, but the check is on a permanent hold until XXXX provides the letter and they would not be reaching out to XXXX. I am filing a complaint because I have provided everything to prove I am the sole owner of the business account and bank account. XXXX has made the funds available and NFCU is asking me to provide a letter the issuing bank is stating they do not provide so I don't understand why they are still holding the funds and are stating the funds are on a permanent hold. I don't understand how a bank can hold your funds and tell you they are on a permanent hold to not be released but not send the money back to the issuing bank. They will not offer any help each time I call the next CSR agent tells me to do something different.
Consumer complaint received 2021-05-19
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. (TX)

I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section XXXX a ) ( XXXX ) ( B ) ( ii XXXX, you are required to notify me of the reinsertion in writing XXXX business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's XXXX and the BBB. Please govern yourself accordingly
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: THRIVE MORTGAGE, LLC (TX)

We entered into a construction loan On XX/XX/XXXX. The term of the loan was for 12 months in which we had to close into permanent conventional loan. We began the process to close on our permanent loan in XXXX. All of our obligations were met, but the company will not give a payoff for our loan to close because the builder is refusing to take his final draw on the account. The builder has been deceitful in his practice and through no fault of ours. We have been paying interest @ 7 % on a construction loan that will expire and be in default XX/XX/XXXX. We are more than capable of paying off this loan either through money wire transfer or through a conventional loan. By Thrive mortgage refusing to give us payoff they are forcing us into default.
Consumer complaint received 2020-07-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXX XXXX  XXXX Late Payment Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX Inquirie XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquirie XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 



I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 



I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-01-20
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. (DE)

I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from my report.
Consumer complaint received 2024-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have continuously asked Capital One to provide real proof as to why the account was opened without my permission or any real verification as Capital One 's online system for opening card accounts is flawed by allowing fraudulent users to input stolen information and create accounts to steal money then Capital One holds the victim accountable. XXXX continues to report this information on my credit report as well. Capital One refuses to file the fraud report that I provided in XXXX of 2023 and to dispute all charges which I also requested. Capital One stated to me that the fraudulent user could come forward to claim and take over the account however Capital One is now renegging on their word and still wants to hold me responsible for the account which I never opened, Capital One 's practices are abusive in which holding me directly responsible for their flawed system without any proof that the charges or the account belong to me whatsoever. In all my history I have never had a credit card and I surely would not start with Capital One either.
Consumer complaint received 2021-02-25
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: Self Financial Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

XXXX  XXXX, Capital one, and others have been getting reports from the XXXX credit bureaus that are incorrect. I HAVE NEVER BANKRUPTCY AND A NUMBER OF ADDRESSES HAVE BEEN DISPUTED WITH XXXX WHOSE DOCUMENTS UPLOAD DOESN'T WORK. I HAVE DEFINITELY BEEN A VICTIM OF IDENTITY THEFT IN MORE WAYS THAN ONE.
Consumer complaint received 2024-01-20
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)

I seek to confirm the correct name and mailing address for the registered agent who accepts summonses and complaints. I attempted to contact the customer service agents via XXXX but was either ignored or met with resistance.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (NC)

I noticed my XXXX XXXX, XXXX WAS REMOVED FROM MY CREDIT REPORT AND HAS DROPED MY UTLIZATION SEEMS TO BE ON XXXX BECUSES I NEVER CLOSED THIS ACCOUNT AND ITS IN GOOD STATDNING. 

MY XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX LAST XXXX XXXX ADRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have sent numerous letters disputing the late payments reported on my credit card account with this company, referencing the Fair Credit Reporting Act under - Timing of payments and - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act, a creditor may not treat a payment on a credit card account as late for any purpose.

My records indicate that this company has reported late payments without the proper XXXX day notice on top of the fact that this is/was an open ended credit account. Please correct this immediately.
Consumer complaint received 2024-01-20
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (FL)

Applied for a credit screening with XXXX XXXX XXXX XXXX ; they used First XXXX. 

The information listed on first advantage is incorrect for XXXX areas one would be a balance on a credit card with XXXX XXXX and also an eviction search through XXXX XXXX XXXX XXXX. 

There is no way to contact this company through any of their phone numbers they send you to a bot service. I need this rectified as I'm trying to purchase a home and their services are in adequate. paragraph the application ID was XXXX. 

The actual issue is not being able to be assessable to their customers and being able to resolve issues promptly thank you for addressing this
Consumer complaint received 2023-07-13
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)

In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 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