davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX START REPORT DATE : XX/XX/XXXX HOW CAN XXXX EQUIFAX OR XXXX XXXX REPORT ANY PAST DUE AMOUNT FROM XXXX IF THIS COMPANY JUST RECENTLY STARTED REPORTING TO MY CREDIT REPORT? 

ALL THESE BUREAUS ARE USING THE SAME E-OSCAR GENERATED RESPONSE ; Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

IT IS EVIDENT THAT THE CREDIT BUREAUS DO NOT LOOK AT THESE DISPUTES AND WASTING CONSUMERS TIME BY NOT DOING SO - AND VIOLATING THE FCRA LAWS- WHICH THEY DO NOT CARE!
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit AcXXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX  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 an account without my written instructions.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been in contact with Experian and complied with their necessary requirements and steps to handle this matter all in which have failed and resulting to me disputing and addressing this again. 

XXXX XXXX XXXX XXXX OH XXXX Isnt my Address its my mothers XXXX XXXX old address in which that being my mom that address is linked to me! In which I havent lived with my mother in almost 10 years and not at that address.
Consumer complaint received 2022-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

There are several items on my credit report that are not accurate. I have written letters to dispute them and I receive stall letters from Experian stating that the letters did not come from me. 

With each letter, I provide my identification and utility bill as proof of my identity. 

I then tried to file a dispute online. My access to online disputing has been blocked. 

I call in to speak to a representative to do the dispute and am told that I can dispute an address because it's associated with an account. 

Experien is doing everything they can to deter me from removing an incorrect address and the accounts associated with it. 

I also provided them with a police report confirming I have been a victim of fraud. They said the police report doesn't list the specific address. On the date that my personal effects were stolen, how would I know what addresses/accounts the thieves would open in the future? I have been gettng the run around for over 7 months.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2022-06-13
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

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

! 5 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. 

Under Engelhardt v. Gravens " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists, ''
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

On XXXX XX/XX/2021, I checked my credit report and noticed that Mohela hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since Mohela hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, Mohela refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.
Consumer complaint received 2022-06-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-08-14
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. (GA)

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 2022-06-12
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. (MO)

I have continue to contact the three credit bureaus Trans Union XXXX and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Consumer complaint received 2022-06-12
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. (MO)

I have continue to contact the three credit bureaus XXXX XXXX Equifax and XXXX about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Deutsche Bank (DC)

omplaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to XXXX, the Check issuer despite showing as reversed on my XXXX XXXX account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XX/XX/XXXX. Three financial institutions are involved : XXXX XXXX ; Deutsch Bank ; XXXX XXXX This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by XXXX XXXX to deposit to my XXXX XXXX account. XXXX XXXX  should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called XXXX XXXX to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my XXXX checking account in late XXXX. 
The funds have never shown up in the XXXX account from which the check was issued. 
Over the last months I have repeatedly called XXXX XXXX, asked for escalation, called XXXX, Called XXXX XXXX with XXXX and escalated the problem, including filing four prior complaints with CFPB. 
Each time, XXXX insists the funds were sent to XXXX, and each time I check with XXXX, they have no record of the funds coming back to the XXXX account. 
In the last correspondence dated XX/XX/XXXX from XXXX XXXX they gave tracking details on the funds but maintained for the first time that they have sent the funds to Deutsch Bank, who they claim act as transfer agent for XXXX. 
I have called Deutsch Bank repeatedly and been told that they will not deal with me as I am not a customer of Deutsch Bank even though I have information on the transfer details provided to me by XXXX XXXX In their last response to me -- copy attached. 
XXXX XXXX matter closed as they see a check being cleared to XXXX XXXX and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my XXXX account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

I purchased a {$500.00} Vanilla Visa gift card from a grocery store on XX/XX/XXXX, within 24 hours, a fraudulent charge of {$440.00} was charged on the gift card. It was used in a store in another city. I called the company ( Incomm Financial Services ) on XX/XX/XXXX and got a case number : XXXX. After I submitted all the required form to XXXX I was told to wait 45-90 days. 

The only communication I received for my case so far is below on XX/XX/XXXX after I inquired about a case update on XX/XX/XXXX " Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date ( XX/XX/XXXX ), however, most are resolved before then ''. 

They do not see to care about the inconvenience they caused to consumers. I do not believe the card packaging was tampered with when I bought it. This looks most likely as an insider job due to their failure to protect their backend system. 

It has been 2.5 months and I do not have any update on my case which is very frustrating.
Consumer complaint received 2022-06-12
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX, as XXXX XXXX XXXX XXXX XXXX in the amount of {$680.00}, XXXX XXXX in the amounts of {$390.00}, {$400.00}, and {$770.00}, and XXXX XXXX XXXX in the amount of # XXXX. 
has violated my rights. 

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

! 5 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. 

Under Engelhardt v. Gravens " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists, ''
Consumer complaint received 2022-06-22
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. (FL)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2023-02-27
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. (NV)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXXXX/XX/2022.
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: Resurgent Capital Services L.P. (AR)

There is a paid debt from XXXX XXXX that i have requested to be removed from my credit reports. I have paid this in full and asked that it be removed from all three bureau reports. Acct # XXXX I have also paid in full a debt from LVNV Funding and asked that it be removed from all credit reports the acct number for LVNV Funding is # XXXX.
Consumer complaint received 2020-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

This complaint is my final request for your cooperation and, alternatively, to let you know of a pending suit. The amount stated in the lawsuit is at {$54000.00} ( the amount of credit loss resulting from Capital One 's actions ). This communique is likely over the initial reader 's paygrade, so you may want to refer this to someone higher. 

I will meet with my legal counsel on XX/XX/XXXX to determine the final dollar amount/Attorney Fees and if XXXX XXXX should name on the summons ( or someone else ). Perhaps you can give me to the person 's name who should be on the subpoena.

Summary : Capital One, unreasonably and without warning, locked my new accounts before I could copy my account numbers ; As a result of Capital One 's unjust actions against me, I have been unable to make credit card payments to Capital One for several months. Irreparable damage to my credit rating resulted from Capital One 's rash actions. I worked diligently to maintain an excellent credit rating in the 800s ; now, due to Capital
One 's unfounded suspicions of fraud, I have dropped to a poor XXXX rating. Furthermore, multiple credit cards reduced my credit limit or closed my accounts due to the low rating. Also, I have had no access to my savings account for several months. Promises to unblock it failed.

I am not going to restate this case in detail. You can refer to case # for the details. Re : Account ending in XXXX, Capital One Cases : XXXX, CFPB Case : XXXX. 

I have made multiple attempts to mediate and resolve this problem with Capital One ( but failed ).

As requested, I call Capital one ( over ten times ) to explain and resolve this, to no avail.

( Each time I called, I had to retell the complex problem to which your staff could do nothing. You've been wasting my time by having me call you. ) I wrote two letters, one certified, to which I received no response, not even an acknowledgment : other than to say you misplaced or lost it I have filed two complaints with FCPB. Your response was vague
and ignored the issues. ( This being my second and final attempt to resolve this out of court.