davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (AR)

This my multiple request for you to inform that I want to delete some items on my credit file. The Credit Bureaus are reporting inaccurate information my credit file. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate these reporting by making a revision of the information provided. Modify and perform any items and erase these items from my personal file : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX
Consumer complaint received 2023-10-18
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. (KY)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXXXXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act XXXX XXXXhe accounts listed above have 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. 



Thank You, XXXX XXXX
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

these companies reported me late and I wasnt late. I was sick with XXXX. I called them I need them to honor please and update to never late XXXX - XXXX - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$190.00} 2 of 2 XXXX  - Score Impact : Low Summary Details Transactions Source : Credit Report As of XX/XX/2020 Account # XXXX Account Status Open Payment Status Past Due - {$50.00}
Consumer complaint received 2023-06-24
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. (UT)

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. 

XXXX XXXX XXXX XXXX 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 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 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-27
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: CBC Companies, Inc. (GA)

Didnt authorize any inquiries Factual Data reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (NV)

On XX/XX/20 I filed bank dispute XXXX with representative XXXX XXXX ext XXXX for purchase made on XX/XX/20 to card ending in XXXX for {$230.00} paid to XXXX XXXX. As of XX/XX/20 merchandise was returned to store at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX -phone # XXXX to supervisor XXXX & cashier XXXX XXXX whose name is on return receipt. Both workers knew I closed my XXXX account before refund but assured me refund would not be " in limbo '' .XXXX XXXX today confirmed XXXX blocked refund but refused to issue refund check. 
XXXX falsely accused me of filing multiple past claims which I closed without repayment in a fraudulent attempt to refuse issuance of final refund credit, despite receipt of both faxed & email copies of store return receipt.
Consumer complaint received 2023-06-24
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. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

I purchased a watch in XXXX of XXXX I financed using the interest-free finance plan advertised at the store. The issuing credit card company ( Comenity Bank ) set up my automatic payment with the understanding that I wanted to pay in the time frame allowed to take advantage of the interest free financing. For over a year, I paid the required amount on a monthly basis ( it was {$130.00} a month, due on the XXXX of the month ). My last payment was much smaller, the final balance was {$15.00}, which was also paid via automatic payment on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that the balance was paid. 

On XX/XX/XXXX, I signed into the account to make sure that it was closed. I found a balance of {$200.00}! 

I called Comenity Bank and they told me that the " window '' closed on XX/XX/XXXX and because I had a balance of {$15.00}, they were charging me {$200.00} in finance charges! 

They agreed that they set up the due dates and automatic payment and they acknowledge that the due date and automatic payment was set up 4 days after the " window '' - so that I would be hit with the late charges. 

Several customer service reps agreed on the phone that this was ludicrously unfair, but state that they could not help me. Eventually I found a manager that granted me a {$50.00} credit, because she also understood that this is grossly unfair. That is not an adequate solution.
Consumer complaint received 2020-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE BANK USA had a credit card open with out my knowledge. I have disputed multiple times with XXXX, XXXX  and XXXX, all times said verify, i ask multiple for the to provide proof of ownership and they never send me any proof. 
. 

Account has number XXXX Open XX/XX/2017Last paid closed XX/XX/2020
Consumer complaint received 2020-06-27
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: Experian Information Solutions Inc. (TX)

They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me
Consumer complaint received 2023-06-23
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. (MD)

This is a formal complaint that Experian, XXXX and XXXX are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. 

Account : Dept. of Education/XXXX Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX For reference : All 16 accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! 

Please update all payment history for these accounts to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.
Consumer complaint received 2023-06-23
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. (TX)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AR)

In XX/XX/2020 we were billed {$56.00} on our Discover card for a purchase of shoes from XXXX XXXX dba XXXX. It turns our	 this was a scam company advertising a warehouse sale of Keen shoes. 
We never received the shoes and disputed the transaction in XXXX. We were initially refunded ( credited ) by Discover and the dispute was decided in our favor in XXXX. 
Then, in XXXX, XXXX sent something to Discover and the charge was re-instated. I called Discover and we were re-credited. Discover could or would not tell me how many times or how long they would allow Amor/Osborder to continue re-charging our card. It appears that this could continue for years.

Please require Discover to stop accepting re-posts of settled  disputes from scam merchants such as XXXX XXXX. 

Of note, we have been Discover card members for 30 years with a solid history of business with legitimate merchants and on-time payments.
Consumer complaint received 2023-06-23
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. (GA)

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2022-08-20
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. (GA)

I reached out to three major credit bureaus about inadequacies on my credit report to which i disputed. I did not authorize the hard inquires, or any deliquent credit reporting on my account : I would like the following items removed from my credit report. 

DEPT. OF ED/XXXX XXXXXX/XX/XXXX ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXXXXXX XXXX XXXXXX/XX/XXXX ACCOUNT- XXXX HARD INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Re : Dispute of XXXX  XXXX Account # XXXX on Credit Report I am writing this letter to express my serious concern and objection to the continued furnishing of the above-referenced account by your agency on my consumer report. As per my understanding, this account is reporting past the statute of limitations in the state of Georgia and is adversely affecting my credit history. 

On XX/XX/XXXX, I had submitted a dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this particular issue ( copy of the dispute letter attached for your reference ). Despite my previous attempts to rectify this matter, upon reviewing the notification from Equifax received today, I was astonished to find that the account is still appearing on my report. 

According to your records, the account was updated based on the information provided by the furnisher. However, this information is well past the statute of limitations. The most recent report reflects that the Date of Last Activity was XX/XX/XXXX and the Date Closed was XX/XX/XXXX. This information suggests that the account is over nine years old, which is beyond the credit reporting time limit as set by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2020-09-19
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX   XXXX - XXXX - XXXX  - XXXX - Through The Country Do - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-08-04
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. (AL)

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX Transunion XXXX XXXX and XXXX XXXX reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey XXXX XXXX does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, Transunion, XXXX and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, Transunion, XXXX and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
XXXX, XXXX, Transunion, XXXX and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Consumer complaint received 2021-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (AR)

XX/XX/2021 Capio partners I have called and asked several times to send me a letter in writing they will not send me a letter in writing they said they would send me an email and I would need to pay over the phone and they continue to call and call and call and I continue to ask for it in writing and they deny me I will not pay over the phone and they will not send me a letter in writing. I have tried to clear this debt up but I will not do it over the phone.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020, I notify PAYPAL of fraud/unauthorized transactions of my PayPal credit card business account. At that time there 7 unauthorized transactions totaling XXXX dollars. Due to the incident, I closed the card for future fraud. After notifying Paypal,  they allowed the transactions to go through making me a nightmare and a headache in my Bussiness Bank account. 

Their slow response and bad customer service is a negligency of their part that shouldn't be allowed. I don't understand such a big company allows for fraud to go that easily. I tried to call them and haven't been able to speak with anyone since XX/XX/XXXX and we are XX/XX/XXXX. I seek resolution and fast response for this incident to be resolved as soon as possible