davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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. (GA)

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas XXXX, XXXX and Experian. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold XXXX hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Consumer complaint received 2021-11-11
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)

Ok this is for Equifax. I originally challenged these issues with them on XX/XX/21 asking them abut some inconsistent and inaccurate items that they are reporting on my credit profile. This was for a Bankruptcy reporting I contacted the courts asking them if they shared my info with a credit reporting agency which you will see attached. All they reported back was that it was verified through some company called XXXX. I went to XXXX and explained to them the inaccuracies and they agreed to remove them because they weren't valid. Also attached. Then on XX/XX/21 I sent all of this information to XXXX to get them to remove the information from my credit report and they still ignored me. They have been completely violating my consumer rights and nobody will do anything about it. They lied about verifying this account to be accurate. And when i called them out on it they still are reporting it. This whole think has been over 150 days of them violating my consumer rights.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Barton Creek Auto Credit  LLC (TX)

I have contacted XXXX in writing TWELVE TIMES regarding an Incorrect Account they are reporting on my Credit file. I mailed them a letter on 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 and XX/XX/XXXX to request a re-investigation for an account they are reporting as Account # XXXX with a creditor named XXXX. They have NEVER responded to me or mailed me any results of their investigation and nothing has changed on my credit report. The information they are reporting is WRONG and they refuse to correct it. They are not even providing me with the contact information for this creditor on my credit report and I have no way to contact the company they allege I owe. That is illegal and a very clear violation of my rights. This debt obviously is not able to be verified and I am DEMANDING that XXXX immediately DELETE Account # XXXX with XXXX from my credit file immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (MI)

I finally received a child support payment from the State of Michigan after 9 years and it was deposited onto a Way2Go prepaid card. I was able to use the card for 24 hours then every single transaction for the next 3 days was declined. I have not been able to get anyone to resolve my issue. After 9 years I still am not able to use these funds for my children and apparently no one that works for this company can figure out the issue either. After 3 days of calling the 24/7 number listed on the back, I STILL can not use the card and the issuing bank says the card was white listed and no locks are seen on their end. Idk why the State would use such a shotty financial institution but Im sure its to inconvenience anyone involved in their system. Im not sure why the company can falsely advertise availability but I have numerous calls to the company recorded where they just hang up or the number on the card that has absolutely NO ONE to talk to as far as a human being. The State of Michigan is not answering the phone where the card was issued and I dont think people should have to wait weeks to use their own money. A class action suit is definitely needed to compensate all the consumers with lost time and frustration. This service is an absolute joke.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Revenue Corporation (TX)

I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXX XXXX United Revenue Corp United Revenue Corp stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call 1 Time XX/XX/2022, XXXX XXXX. 
Call 1 Time : XX/XX/2022, XXXXXXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.
Consumer complaint received 2022-04-01
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. (MD)

XXXX XXXX, Experian, and XXXX are all reporting late payments from XXXX XXXX bank on dates XX/XX/20, XXXXXXXX XXXX on dates XXXX, and XXXX XXXX XXXX on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Consumer complaint received 2022-10-17
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX ....
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Im using a company named XXXX. To pay down my debt accounts. They reported to me. XXXX XXXX. Doesnt own the XXXX XXXX account. Which is being reported on my credit reports. XXXX sent XXXX XXXX a lump sum offer. To resolve the account. XXXX XXXX tried to receive and offer for 70 % of total. If they sold the account. As XXXX is stating. They can no longer receive funds for the XXXX XXXX account, they sold. No other company is being reported as owner of the XXXX XXXX account in question. I want to have this account Verified.
Consumer complaint received 2022-04-01
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. (MS)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am trying unfreeze/lift a credit freeze on myEquifax online but I get an error on the website and it showed a number I should call. The agent I talked to can not find my record using my SSN or personal details ( birthday/address/phone number ). They recommended that I mail them a copy of my SSN, license, address to a XXXX XXXX which I am hesitant to do. Since I was able to create my account on myEquifax and see that my credit has a freeze on it, then I believe they should be able to find my record. I hope you can assist me.
Consumer complaint received 2022-04-01
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: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX the sender from XXXX  XXXX XXXX transferred {$2500.00} via Zelle to my bank via my cell phone number ( it was sent to the correct number ) was never received. I was never notified by Zelle of the deposit, it didn't happen, and the sender was never returned the money. I realized that this deposit did not happen in XX/XX/XXXX. I missed that it was never deposited, probably due to at the time that my brother has passed away. I started prepping for taxes this year and finally noticed that it was never received to my bank account and it was never returned and credited to the sender. 

I have contacted my credit union and the sender has contacted her bank and we have spoken to the Zelle reps at the banks. The sender initiated a claim that was denied, and my credit union is still working on it, with no help so far. 

Companies involved : Zelle, XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

On XXXX XXXX I requested debt validation from trans world Systems Inc. On XXXX XXXX Transworld Systems Inc responded to the debt validation with a statement disclosing my diagnosis which is a HIPAA violation as I did not authorize for my medical records to be released to Transworld Systems . What I requested was a copy of the contract with my signature.
Consumer complaint received 2022-05-21
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-08-22
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my numerous efforts to inform you that I am a victim of identity theft and I write to dispute certain account in my file causing from the crime. The account I am disputing do not relate to any dealings attaining any ownership of properties, facilities or money that I have made or approved. Please block the reporting of any information in my credit file that leads to an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus. 

XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : $ XXXX Late Dates XXXX
Consumer complaint received 2022-04-01
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. (NJ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (NJ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Credit Card Bank of America last XXXX number is : XXXX Amount : {$1300.00} Bank of America required the complaint. 

I try before but I dont know whats happening? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I opened a Capital One checking account 2 months ago. It's a join account I opened together with my husband and the purpose of account is pay a rent. 
In XXXX I tried to XXXX a money to my landlord but it didn't work. Capital One has a XXXX issue and they couldn't resolve it, I called them more than 10 times and went to the bank more than 3 times. The issue wa n't resolved. So I payed my rent by cash. But at the bank they told me I have an option to make a " Bill payment ' autopay which I did and set it up for every 25th in the month. I was charged on XX/XX/XXXX but the receiver has never got the money. Her bank is XXXX XXXX so we called her bank and they didn't get any transactions. I called Capital One more than 5 times and they don't know what happened with money and they don't know how to assist me. My money is stuck somewhere and I'm late with my rent. Could you please help me to resolve this issue and recommend me a legal help? 
Thanks in advance!