davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (FL)

Equifax has consistently ignored my requests for proof of verification of accounts they have listed as derogatory on my credit report. Below are reports that came back verified without Strict Proof Of Verification. 

Reported for Fraudulent Inquires on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recent disputes and request are an example of the lack of concern for the accuracy of a Consumers Credit Reports
Consumer complaint received 2024-01-17
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. (MO)

I am writing to express my extreme dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite multiple communications and persistent efforts on my part, these issues remain unresolved, causing significant inconvenience and frustration. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings and late closure status.

Transparent communication regarding the steps being taken to correct these issues.

Swift resolution of the account opening problem, with confirmation of the successful resolution.

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings and late closure status. 

I insist on a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct these late open accounts and remove the late close in my credit file : XXXX / XXXX  XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

Items below should be deleted as soon as possible due to identity theft : Addresses : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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 2022-08-13
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. (LA)

I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I recieved letters ffrom the XXXX bureaus saying I'm using or hiring credit repair company to send out letters and file complaints, which is wrong bcause I'm doing or sending letter to the bureaus.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2020 for {$620.00}. 

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 2024-01-17
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. (TN)

I am a victim of a severe form of Human Trafficking pursuant to the final rule on Human Trafficking. On XX/XX/2024 I put in a request to have accounts and inquires blocked due to adverse information being reported due to a severe form of human trafficking. on XX/XX/2024 they sent me a pdf email stating " Account information disputed by consumer ( Meets requirements of the Fair Credit Reporting Act '', which is false and misleading. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Experian during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, XXXX, XXXXXXXX  entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My transunion score dropped XXXX points, I have done nothing but pay down my debt, make extra payments on my debt, I use a credit card and pay it off immediately, nothing has happened to lower my score from excellent to bad. Other than maybe credit bureaus getting kick back from banks to lower credit scores so they can charge higher interest..what is going on? How can you get away with this? XXXX?
Consumer complaint received 2024-01-17
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. (TN)

I am a victim of a severe form of Human Trafficking pursuant to the final rule on Human Trafficking. On XX/XX/2024 I put in a request to have accounts and inquires blocked due to adverse information being reported due to a severe form of human trafficking. on XX/XX/2024 they sent me a pdf email stating " Account information disputed by consumer ( Meets requirements of the Fair Credit Reporting Act '', which is false and misleading. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Experian during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, XXXX, XXXXXXXX entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NE)

Experian has been giving me an extremely hard time, I have already had this account removed from both XXXX XXXX XXXX XXXX reports because the debt couldnt be validated. Experian has chosen to continue reporting it, even after it shows to be past 7 years. The debtor ( XXXX has been illegally refreshing the debt.
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

Hello. I disputed a medical debt collections {$180.00} on XX/XX/XXXX and the estimated date to be finished was XX/XX/XXXX. As of today, it still says pending, and on my credit report it says consumer disputes-reinvestigation in progress, this was well over a year ago through Equifax. XXXX  and XXXX were kind enough to delete the debt as its not mine, but it had taken Equifax over a year. I want this deleted off my report.
Consumer complaint received 2018-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

My original student loan was through XXXX XXXX in 2006. At some point it went to Navient. I have had several different payment plans with them to pay this never ending loan. I have paid way more than what the original loan amount was. On my credit report it shows up as several loans and several different charge offs. My most recent payment was set up as $XXXX/ month with no interest until the final $XXXX was paid off. I recently received a call from Navient saying I haven’t paid in forever and they need to set up another payment or pay in full. The lady on the phone was unreasonable and would not answer any of my questions.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: First Advantage LNS Inc. (NY)

I have submitted several online disputes through XXXX in question of the validity of a collection furnished by National Credit Audit that states that I owe a debt of XXXX to XXXX XXXX XXXX XXXX yet have received unfair resolve. The information that exists on my XXXX credit report is errored. The date Opened reflects XXXX, Status Update also reflects XXXX XXXX, however the history legend/payment summary which is shown in grid format and reflected by month indicates that the collection began in XX/XX/XXXX. In addition this collection agency is in violation of severeal regulations set forth by the Consumer Financial Protection Bureau. The violations are as follows : 1. Section 1006.34/ Notice for validation of Debt as it's one and only communication to me was sent by e- mail dated XXXX XXXX which is far after the date furnished by the collection agency reflected in my credit report. The agency also failed to include amt of debt., info about debt, itemization date, and a clear concise account stating to whom the debt is owed as required in debt collection communications. ( B ) Does not disclose the name of the collection agency that the collection specialist recorded in the email represents.THESE THINGS MADE THE E-MAIL COMMUNICATION QUESTIONABLE AS TO IT'S VALIDITY AND ALSO CREATED DOUBT THAT THIS AGENCY WAS PERMITTED TO COLLECT THE DEBT AT THAT TIME. ( DATE REPORT WAS ACTUALLY REPORTED TO CREDIT BUREAUS DIFFERS FROM THE TIMEFRAME OF THE INITIAL NOTIFICATION SENT BY E-MAIL THAT NOTIFIES THAT THE COLLECTION " WILL '' BE REPORTED TO CREDIT BUREAUS ) 2. Section 1006.6/Communications in connection with debt collection ( 4 ) i ( b ), and ( c ) 1-5, Dand E..No notice sent to clearly and conspicuously disclose transfer of debt to debt collector.

FCRA requires financial Institutions that report debt to notify customers of debts according within the time frame allowable under FCRA regulations. There was no recordable or proveable period of time that existed before the collections process began as it had already been reported and was furnished to the credit bureaus before initial contact with me as the consumer either by the creditor or by the alleged third party collection agency ( NCAC ) .These are violations that have caused my family hardship as it has been the direct cause of rejected rental applications which does allow me UNDER SECTION 392/392.001 SUBCHAPTER C TO PURSUE CLAIMS AGAINST THE BONDS PROVIDED BY EACH AGENCY TO COVER DAMAGES INCURRED ... ..FOR THESE REASONS BUT NOT LIMITED TO THOSE REFLECTED HEREIN IN ACCORDANCE WITH MY RIGHTS AND PROTECTIONS AS A CONSUMER UNDER CFPB AS WELL AS FCRA I AM REQUESTING THAT THIS DEBT BE VERIFIED AND VALIDATED, WITHIN THE TIME ALLOWABLE BY REGULATION, AND THAT ALL COLLECTION EFFORTS CEASE DURING THAT PERIOD. IN ADDITION I EXPECT REMOVAL IF NOT VERIFIED AND OR ANSWERED.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

The relentless presence of these fraudulent accounts is not only an inconvenience but a severe violation of my financial security and mental well-being. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I have taken all necessary steps to report and address these incidents of identity theft, yet the continued inclusion of fraudulent accounts on my credit report is exacerbating the distress caused by the initial breach. The continuous inclusion of these unauthorized accounts is not only irritating but is causing significant distress to my mental health. I can not comprehend why the bureau persists in allowing fraudulent accounts to tarnish my credit report. 
XXXX XXXXXXXX XXXX PLEASE DELETE!!!! 
XXXX XXXXXXXX XXXX PLEASE DELETE!!!! 
I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your bureau to adhere to the highest standards of accuracy and security. The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and mental health.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is holding my funds that were sent to me from a client to provide services for a job. The bank has not advised me as to my account being closed jr have they advised me why. My funds in my account have not been released to me.
Consumer complaint received 2022-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CNG FINANCIAL CORPORATION (TX)

Since XX/XX/XXXX they been pulling from my account after I told them to stop auto payments. And I talk to at least 12 different people and they will say oh we stopped the payments or we escalated your case and we stopped the payments. They even sent me an email saying they stop all ach. Im working with debt relief program and they sent a power of attorney to take over the payments. And I will tell them that to constantly and they will say that they wont pull from my account. But the constantly charged me NsF and now they pulled XXXX from my account. That was my rent money. Im so upset right now.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

It is not only irritating but deeply troubling that such a fundamental aspect of my financial history has been misreported, potentially affecting my ability to secure favorable terms for future financial transactions. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The sheer number of inaccuracies is not only irritating but also unacceptable, as it has a severe and unwarranted impact on my creditworthiness. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
A comprehensive review of the procedures in place to ensure the accuracy of credit reporting to prevent such errors in the future. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I expect your bureau to adhere to the highest standards of accuracy and diligence. The continued presence of these inaccuracies is not only an inconvenience but also a violation of my rights as a consumer.