davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have contacted capital one on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted Capital one in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised capital one of this and they are not helping with the current situation.
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-29
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. (AZ)

I have sent a identity theft report to Experian several times once in XX/XX/XXXX and then again in XX/XX/XXXX asking them to block fraudulent items that were listed on my credit report. XXXX XXXX was blocked and removed but they allowed a different collection agency to place it back on there which that is against the law. Also the creditor XXXX  XXXX  is on there twice even after I sent the identity theft and Police report. I also informed that XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX  was fraud I sent them the identity theft report XX/XX/XXXX and instead of them blocking it they disputed it which according to the FCRA if I provide that information they have to block it from the credit report. The person who stole my identity has all my information and it is unfair how experian is handling things. My next step will be to sue but I rather just have this corrected immediately.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

i received an credit alert from Experian stating that a credit card for {$30.00} from XXXX XXXX  was open in my name as the authorized user. i don't have no idea who open this fraudulent account in my name. this information is on my credit report with the Fraud addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (IL)

XXXX XXXX, and Experian have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Affirm Holdings, Inc (OR)

Approximately 4 months ago XXXX/XXXX/2021 I changed my phone number and have attempted to have Affirm Inc. changed the phone number for my account in their database. Per their request I have sent photos/copies multiple times of my driver 's license and sent a photo of myself so that the phone number change can be implemented. 

Thus far Affirm Inc. has rejected my my identification submissions and now have advised me that they are not changing my phone number on record because their records indicate that former Affirm Inc. customers have used my same new phone number in the past. As a result of Affirm Inc 's refusal to change my phone number on record, I can not log into my account and view my monthly statements for accuracy, make payments on line or verify my charges or interest rate. In addition, Affirm Inc. is not sending me any paper copies of my monthly statements.
Consumer complaint received 2022-03-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXXl XXXX, XXXX transunion and 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 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 this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this fraudulent activity on my credit report
Consumer complaint received 2022-08-12
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. (GA)

I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX  : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account In Accordance With the fair credit reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Flagship credit XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC (NJ)

XXXX XXXX XXXX also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.
Consumer complaint received 2022-02-27
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: Experian Information Solutions Inc. (FL)

There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, XXXX XXXX for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted
Consumer complaint received 2022-02-27
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. (FL)

There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, ally financial for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted
Consumer complaint received 2022-02-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (VA)

I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. The collection company committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand the collection agency to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
Consumer complaint received 2022-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. Credit Acceptance Incorporation committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand Credit Acceptance Incorporation to remove immediately.

FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
Consumer complaint received 2022-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  the following accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have Violated my rights! !!!

- 15 USC 1681 Section 602 A. States I have the right to privacy.

- 15 USC 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 2022-08-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I was researching how to do XXXX trading. I was on forums asking around when someone reached out and said they would help. They referred me to site called XXXX which is able to connect to the XXXX platform. They walked me through the steps on how to fund the account via XXXX. I acquired {$23000.00} worth of XXXX through Crypto.com and transferred it to what I thought was my wallet at XXXX. There was no kind of warning this wallet was linked to a fraudulent scheme. 

I then started making trades and everything seemed good. I then was being pressured to take loans out to total my account up to {$100000.00} that set off alarm bells and tried to withdraw my funds. They asked me to pay a {$20000.00} fee to have access to my funds whenever I want and from that point forward I have not engaged with them. When researching scams this seemed pretty textbook.
Consumer complaint received 2022-07-13
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. (IL)

Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, XXXX and Equifax has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX XXXX  my fico 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 and I made this clear for 60 days straight with XXXX, XXXX, and Equifax when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep 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 and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, 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 and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.
Consumer complaint received 2022-07-13
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-03-23
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. (KS)

My credit score recently went down XXXX points and the only derogatory item noted that changed is " Lack of Use of Credit Cards. '' My credit card usage is XXXX XXXX  after paying off all of my credit cards last year. I contacted Experian to inquire, and was told that they are not a licensed credit advisor, so they could not answer my question. XXXX for not using my credit cards seems like alot. How much would my credit score go down if I missed a payment? Additionally, I have a derogatory notation for length of credit history. My credit history is XXXX years. I am not sure how long is considered acceptable, but I would think XXXX decades are quite a long time. 
I guess my issue is if the credit bureau 's can't explain why someone's credit rating decreased dramatically, who can? They control the credit report.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

In XXXX, I was subleasing a home in XXXX, CA where multiple things were fraudulently placed in my name. I am not sure why XXXX XXXX XXXX is trying to collect a debt I do not owe. The original alleged debt is with XXXX XXXX. I have no problem settling if either company could verify in writing the 5 things needed to validate an actual debt, which I know can not be done. I would like this removed off of my credit report immediately. 
Company is currently in violations of the following laws : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).

-15 USC 1692 ( g ) Please be advised that under federal law, consumer is able to seek remedy up to {$1000.00} per violation.
Consumer complaint received 2022-07-15
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-23
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. (SC)

XX/XX/2022 I sent a notice of fault and opportunity to cure letter to XXXX XXXX informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( 2 ) ( A ) ( i ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXXXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.