davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/27 I sent a 609 letter to each bureau, transunion, XXXX and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. Thank you.
Consumer complaint received 2023-03-18
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 (GA)

DO NOT CLOSE THIS COMPLAINT OUT WITHOUT READING ITS CONTENTS Capital One Auto Finance had violated me and continues to violate me by 1. furnishing deceptive forms ( ie. a contract that does NOT have my signature on it ), 2. violating an active XXXX and XXXX ( sending threatening letters to my private address dated XX/XX/2023 XXXX, XX/XX/2023, XX/XX/2023 ), 3. NOT furnishing required and requested disclosures ( sending a contract that does not have my signature on it 3 times ), 4. reporting my personal and private information to third parties WITHOUT my consent ( reporting to consumer reporting agencies from XX/XX/2023 to current ) ... .in fact, with my SPECIFIC REQUEST NOT TO DO SO, 5. reporting to third parties erroneous information and intentionally NOT reporting that this account is in dispute, 6. threatening me with legal action ( dated XX/XX/2023, two threatening letters ) that can not be acted upon at this time because Capital One Auto Finance had failed to furnish ANY of the necessary and required documents requested, COAF has violated me in many other ways, however this complaint is NOT the same as any prior complaint.
Consumer complaint received 2023-03-08
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

XXXX, went on vacation in XXXX. My wife and I were out walking around and these XXXX guys cornered us and were asking for donations, we got to talking about what they wanted donations for and it was to start their rap careers. They told us they were trying to get {$120.00} each and I said absolutely not. I told them I would give each of them {$20.00} and they both stuck their card machines under my debit card so fast I couldnt even see what they had typed up as the charge. Whole thing seemed fishy, had a feeling I got scammed so my wife and I walked back to our hotel room, checked and each of those guys had charged around {$50.00} to my card. Immediately cancelled my debit card and called the bank, explained exactly what happened. A few hours later ( I dont remember exact time ) one of the charges doubled to {$110.00} without my authorization on that either. Couple days go by and all charges get refunded. Now yesterday ( XXXX ) the {$110.00} charge was taken back out of my account so I called the bank to ask why it was taken back out, the customer service rep told me basically, you got scammed. Its not a fraudulent charge because you gave them your card. The actual amount charged to the card is between you and the merchant. My bank should have all calls recorded if you need more details, there was much more to it at the time but Im sure Im missing something since it happened over a month ago at this point.
Consumer complaint received 2023-03-08
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-08
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-08
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-07
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. (TX)

XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, Equifax, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

On XXXX XXXX 2020 My friend purchased 2 VISA VENILA GIFT CARDS From XXXX XXXX  in XXXX XXXX XXXX California each card for {$500.00} total of {$1000.00}. 
For a month due to covid in left the cards in my purse at home, on XX/XX/XXXX I decided to use the cards, opened the packets and took the cards out tried to use them, Both cards where used to the max without ever been taken out of the packet. 
I contacted Vanilla Visa card customer service 1- a case was filed and I was promised to receive a dispute package by email within a day. I called after 2 days same promises now had to wait for another 3 days and again I called same story but no dispute package. 
Then on XX/XX/XXXX they claimed that there was no case at all after 47 minutes hold they hung up on me and upon my second call I was told their system is down Today XX/XX/XXXX I called and a supervisor got on the call after22 minutes of holding and Informed me that he can see my call logs but he needs to start the case again. 
It is obvious to me that they are using this tactic so I will disappear and problems will go away. I will not go away please help me with getting this issue solved
Consumer complaint received 2022-06-07
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. (TX)

XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, XXXX, and TransUnion and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I had an XXXX loan that was paid in full, but there were issues because I was refunded for the item I had used the XXXX loan for. It is showing up as negatively reporting on all 3 of my credit report bureaus as 30 days late, when that was not the case.
Consumer complaint received 2023-03-08
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2022-06-07
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. (LA)

Violation Of Fair Credit Reporting Acts 15 U.S.C. 1681 Section 602A Stating That I Have A right to privacy and 15 U.S.C. 1681 Section 604A Section 2 stating that a consumer reporting agency can not furnish an account without my written instructions. Experian, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (NC)

The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

This is collections account for XXXX XXXX XXXX services, the account appears to have been sold to a collections company by the name of Enhanced Recovery Company. This debt was taken care when I went to XXXX  to return their equipment and pay the remaining balance owed. So I do not understand why this is being reported at a debt with a collections company, but my debt is paid in full, and Im requesting all the credit bureaus update my credit profiles in their system by removing this company as a collections from my credit profile accounts with each credit reporting agency or bureau. If it is not removed I will continue to dispute the validity of this satisfied debt which has been paid in full on a monthly basis until it has been done so.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

On XX/XX/2020 you are in violation of 30 days month definition by letter of the law which first appeared XX/XX/2020 For the reason given I demand closure of account effective XX/XX/2020 when balance reaches XXXX. I paid {$5.00} on XX/XX/2020 That mean your {$5.00} fee because was perpetuated too early is fraudulent and must be reversed.

Any resistance from your side will be faced with litigation for perpetuated phony debt fraud.

Going to submit complain to CFPB Pending TransactionsXX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} Posted Transactions Actual Balance XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$10.00} {$0.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} {$10.00} XX/XX/20 XXXX XXXX XXXX CA {$4.00} {$40.00} XX/XX/20 Debit : Foreign Transaction Surcharge {$0.00} {$44.00}XX/XX/20 XXXX  - XXXX XXXX XXXX {$16.00} {$45.00} XX/XX/20 XXXX* XXXX   XXXX  DE {$33.00} {$62.00} XX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} {$95.00} XX/XX/20 Credit : XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  , CA XXXX  {$100.00} {$100.00}
Consumer complaint received 2022-07-18
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (NC)

The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-18
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. (NY)

I submitted a dispute letter to the 3 Credit bureaus recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on XXXX XXXX XXXX  account. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX XXXX  XXXX Late Dates XXXX
Consumer complaint received 2022-09-17
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. (PA)

I had a series of inquiries added to my credit profile today. I do not have accounts with these companies and never applied for any accounts. It appears with fraud and identity theft happens today or this week rather. These inquiries should be removed immediately
Consumer complaint received 2020-07-08
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX  XXXX {$2800.00} XXXX   XXXX {$8800.00} XXXX XXXX {$520.00} XXXX   XXXX {$3800.00} XXXX XXXX {$19000.00} XXXX  XXXX {$4000.00} XXXX XXXX $ XXXXDPTEDXXXX XXXX {$4000.00}
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

New issue needing help. Chase continues to send me pattern letter responses and has failed to respond to my requests for contact due to the mis leading and deceptive practices to open new credit card. I have been treated poorly, mis informed and a victim of bait and switch from Chase Credit Card Services. Original complaint was filed and representative contacted me, took no time to hear my concern and just advised I would get a response. How can that be a diligent review and investigation.