davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (VA)

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 XX/XX/XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} UNKNOWN XXXX XX/XX/XXXX {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: VW Credit, Inc (FL)

Initially purchased a vehicle from the XXXX XXXX XX/XX/XXXX and on day one configured the automatic payment on this account. ALL Payments had been made automatically and no issues were ever reported on the account. XX/XX/XXXX I changed my banking institution and updated the payment information on their XXXX XXXX, received a confirmation email indicating that changes had been submitted. 31 days later I received a call from their " Collections '' department indicating I was 2 months past due and that the account needed to be brought current. A couple hours later after arriving home I logged into the portal and confirmed what had been stated on the phone call and proceeded to manually process the payment and bring the account to good standing. I reached back out to their support team and explained what had happened and how this change must not have stored on their system when the changes were processed, I provided information about the changes and advised to send a letter explaining the issue. I proceeded to send a certified letter with all the detailed information ( All attached ) and how a system glitch caused the issue, I provided screenshots of several errors received while using their portal. I have received several letters back indicating that information provided does not suffice the removal request. They have made it impossible to communicate with them over the phone since this department only communicates via Fax or Letters. Every single reply received has been generic and with no intention to resolve this issue.
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc. (OH)

On XX/XX/year>, a {$39.00} credit was applied to my account. However, Per Prosper, on XX/XX/year>, an unsolicited refund of {$39.00} was issued for this credit, and at the same time, a {$39.00} annual fee was charged to my account. I never received the refund Prosper states was issued. Also the refund was processed before the six-month period had passed from when the credit was issued, based on my billing cycle. 

I did not receive statements for XXXX, XXXX, or XX/XX/year>, nor was I notified of the refund or the annual fee charge in XXXX. According to the last statement I have access to ( XX/XX/year> ), I had a credit balance, and I do not use this card for any additional transactions that would result in a balance. 

The {$39.00} credit should have fully covered my balance, as per the cardholder agreement, meaning no minimum payment should have been due, and no late payment should have been reported. 

The XX/XX/year> statement showed a XXXX balance, despite an attempt for autopay on the XXXX, which was returned same day per transaction history. The statement closed on the XXXX. Late fees were later charged to my account in XXXX and XX/XX/year>.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

Experian 1.XXXX {$0.00} 2XXXX XXXX XXXX  {$0.00} 3XXXX {$0.00} 4XXXX {$0.00} 5 XXXX XXXX XXXX XXXX {$350.00} 6XXXX {$0.00} 7XXXX XXXX {$0.00} I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

The end of XXXX I applied for a capital one business card, I already have XXXX other credit cards with them a credit card for XXXX I've had since XXXX and a Capital one XXXX for XXXX since XXXX. I applied for the business card for my XXXX business. When i applied through XXXX XXXX for the card, XXXX XXXX did most oXXXX XXXX, where i only had to fill in a couple of blanks. they approved me for the card XXXX limit and they also sent the card, with the card i got 2 other letters stating that those other XXXX accounts had been deactivated. the next day i recieved a letter stating that the business card i was just approved for deactivated also. the letters gave a number and also had 3 different case numbers. they stated that it was a concern about Fraud and needed to verify information. XX/XX/XXXX I sent in 3 most recent bank statements and proof of my business, i did that a couple days later i was told to send in my ss card and ID front and back. i done that, next couple of days heard from the person who stated that they were over the account and she never ask for ss card or ID, at that point i stated that if capital one did not want me to have a business card then that was fine, and i was just wanting to know about my other XXXX cards, i have also contacted XXXX and they letter i got back was the same stating fraud and information needed. they were stating my bank statements were not real until i had a rep call the bank and i verified information so the rep could get info on bank statements and they recieved the same 3 month statements, Now they are saying they want my personal bank statements. I have already been approved for the card and its on my capital one account and on my credit. my other credit cards with them are at XXXX always,
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I did not formally create a dispute for this issue, but the fair credit reporting act says that creditors or furnishers must be accurate, fair, and complete in their reporting of data and as you can see from the attachment, there are 5 errors/missing data on my credit report. I have made several complaints and all the credit bureaus have validated the account to be accurate several times but how can they do this when there is data missing as the furnisher can't pick or chose what they want to report it has to be complete between the time the furnisher first reports through the removal of this account as they must manage it completely and accurately and fairly so why are their 5 missed months!?
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DATE XX/XX/2018
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
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. (GA)

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 2022-03-06
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-05-23
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXXXXXX XXXX  Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

Purchased XXXX SERVE American express pre paid cards on the XXXX XXXX in the amount of XXXX per card, I presume to add XXXX on each card, I did a payment transfer XXXX off of each card on the XXXX XXXX to in amount of XXXX to my transfer but to my surprise XXXX was deducted off of each card, I call my payment transfer company and they only got the XXXX ( XXXX from each card ) so here I am because XXXX not getting a human to speak to when I call the SERVE company. I want answers please.
Consumer complaint received 2022-10-13
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, XXXX on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.
Consumer complaint received 2022-07-18
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. (NY)

regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-10-13
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: Bread Financial Holdings, Inc. (NJ)

XXXX has informed me on two occasions that Comenity Capital BankXXXX has performed hard inquiries on my credit report. I have not applied for any new credit with Comenity Capital Bank. The first hard inquiry occurred on XX/XX/XXXX and the second occurred on XX/XX/XXXX. My credit score has dropped XXXX points as a result of these excessive hard inquiries. 

I filed a dispute with XXXX after both incidents. The results were the same for both : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted XXXX to inquire how can these inquiries be factual since I never requested credit. Their explanation suggests that they take the creditor/companies word that the inquiries are factual. They suggested that I contact Comenity Capital Bank, which they referred to as XXXX, to ask them to send XXXX an electronic request to remove both inquiries. After trying to reach Comenity Capital Bank by phone unsuccessfully, I called XXXX back to get a better understanding of the dispute process. 

Once they finally admitted that their dispute process was essentially in favor of the creditor, XXXX suggested that I go to Identitytheft.gov to generate a letter of appeal and to fax the letter along with 2 pieces of ID to them in order to remove the inquiries from my credit report.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AZ)

I have already sent in a complaint here is my complaint ID XXXX. I didn't ask for the promotion on the card and didn't even know i was even in one. Then I get on my account and see that you charged me XXXX XXXX in interest and my refund was gone. This was not ethical at all and I feel like I was taken advantage of. I am a good citizen and I work hard and pay my bills and normally wouldn't even report it but I feel like It was done on purpose. How can you charge me these amounts when i didn't even ask to be in the promotion. This needs to be settled it was unfair I am not saying pay off my entire account I believe i deserve the interest back from the promotion. When i went to talk to customer service they cancelled my account and put me on a payment plan when I said no.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP (PA)

A collection account was deleted from my report on XX/XX/2022. I had previously sent information demanding verification of the debt, and heard nothing from the company but they deleted the information on my consumer report. It was then reinserted on my consumer report on XXXX of XXXX. The company has my current address, and per the FCRA, they did not notify me of the reinsertion within 5 days of putting it back on. It needs to be deleted immediately for violation of FCRA Part ( A ) ( 5 ) ( b ) ( ii ). It also has no business being back on my consumer report due to the fact that the information was never verified. I demand it be deleted immediately and not put back on my report.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$28.00} ; XXXX XXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-09-01
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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