davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Early Warning Services, LLC (FL)

I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. XXXX is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XXXX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas
Consumer complaint received 2020-10-25
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. (NE)

XXXX XXXX XXXX is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. XXXX XXXX XXXX agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX 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 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 2023-10-19
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I initially disputed this account because I noticed multiple Fair Credit Reporting Act violations. I reached out to Capital One via certified mail. After receiving little documents from them regarding this account, I immediately noticed that they never provided me certain disclosures that are required by Federal Law such as legal disclosures required under 15USC 6802, legal disclosures required under Uniform Commercial Code 9 and Proof of Commercially Reasonable Manner of Transaction of the Subject Vehicle. Capital One responded saying they basically have complied and that is a flat out lie. I was never given the opportunity to not disclose this information to a third party and this took away my consumer right to non-disclosure. 

SINCE I DIDNT GIVE YOU WRITTEN INSTRUCTIONS TO report anything to my consumer reports, this is another violation of this Federal Law known as the Fair Credit Reporting Act. 

I have to tried to resolve this matter with Capital One but they have shown no effort into deleting this account after violating my consumer rights and the FCRA. 
So now I am requesting compensation for Capital One willfully failing to comply with any requirement imposed under 15USC 1681. I am demanding $ 1000per violation totaling {$5000.00} and a full deletion of this account from my consumer reports due to this repossession being reported on my consumer reports causing me damage. 

In addition, i received a dunning letter from XXXX XXXX attempting to collect this same alleged debt as Capital One and this is another violation of the FCRA. Because it is illegal for two companies to collect on the same account at the same time.
Consumer complaint received 2020-11-07
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: Experian Information Solutions Inc. (VA)

Have been unable to get my Experian credit report in order to purchase a home in state I have moved for a job opportunity. This issue has been going on for XXXX  months. When I call customer service I get hung up on numerous times. I feel that I can not use my VA benefits because of Experian '' s inability to help resolve this matter.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In XX/XX/2022, when I accessed my Capital One app to make a payment. I use the app to make payments, view account, etc. I noticed a new section under my " Statements & Documents '' titled " Upcoming Bills '', clicked on this section & it reflects " Bills & Subscriptions ''. It reflected : " Next XXXX XXXX XXXXXXXX {$2.00}, XXXX XXXX XXXXXX/XX/XXXX, Dates and amounts are estimated based on previous charges. You may want to check your statement, just in case any charges didn't appear in our search. '' This was alarming since I've not set up any bills or subscriptions on this card. I tried to find ( in the app ) when this was setup & by whom but was not able to. I was also not able to delete or change it. I monitored the card through XXXX. Then in XXXX, I did a search for this amount & vendor throughout all charges on the card & nothing came up. 
I contacted Capital One customer service on XXXX XXXX spoke to XXXX different reps who couldn't understand my complaint, provided little assistance & inaccurate information. 
I called back on XX/XX/XXXX & spoke to a representative in the XXXX, apparently my initial call was handled by a call center in the XXXX as per the rep I spoke to this XXXX. I was on the phone with a representative by the name of XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. This is what transpired : XXXX XXXX I never set up this transaction. XXXX researched & informed me : This is a default on their " app '' which happens when there are " recurring '' charges to a vendor/merchant regardless of the amounts charged. I argued Capital One has no right to set up this " Upcoming Bills '' without my consent & not notifying me. This popping up on my account had me thinking it was XXXX who did this. Additionally, I was provided inaccurate information during my initial call to investigate the matter by XXXX of their customer service reps : XXXX reg customer svc rep ; XXXX in their XXXX XXXX XXXX XXXXXXXX in their dispute chrgs dept Lastly, XXXX stated it was " just '' a default issue on their app which has not been paid, at all, to XXXX. Further, it's through their app that this happens whenever there's a " recurring '' charge to a merchant/vendor. Informed XXXX the dispute chrgs rep informed me otherwise & that I will be filing a formal complaint to appropriate government agency about this practice. XXXX stated during his research he was told it was a default through the Capital One app. I told him app or not, Capital One has no right to do this on my account without notifying me before or even after. The explanation is not acceptable & deem this action as unethical. I plan to discontinue use of this card & close it altogether. I feel consumers need to be informed of this act by Capital One
Consumer complaint received 2023-01-12
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. (MS)

NOTICE OF DEFAULT & OPPORTUNITY TO CURE Reporting inaccurate information on my credit report, defaming my character and credit worthiness, without a permissible purpose to coerce me into paying a debt that I do not owe.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Over the weekend (XX/XX/2020 ), I wanted to unfreeze my credit with the three bureaus. I had no issue with XXXX  or XXXX, and Experian indicated that my credit was unlocked. I saw nothing related to the term " freeze '' and found no search option to investigate further. As such, I indicated to my mortgage company that my application was ready to go. Alas, I was informed that my Experian account was still frozen. 

I returned to the site on XX/XX/XXXX to further investigate and, again, found that my account was unlocked. An attempt to search for an unfreeze option yielded nothing. My mortgage company contacted me today ( XXXX XXXX ) to tell me it was still frozen. 

Multiple attempts to call different Experian numbers, including the one provided by my mortgage company, led to frustration. There was no option to speak to a human being, and one of the lines repeatedly disconnected me. Finally, I contacted Experian via XXXX XXXX. I was provided a direct link to the page where I could unfreeze my account ( experian.com/freeze ), which I did successfully. However, curious, I decided to continue my search on the main site. 

There is absolutely no clear link to this page anywhere. Moreover, I tried to type " freeze '' into the URL after I had logged in on the main page, but this did not work. I had to go directly to that URL and login separately there. 

I messaged the company again about the lack of a link on the main page. The representative told me to look under the heading " Credit Report Assistance. '' After login, there is no such heading or menu on the main page. I finally found something under Reports & Scores -- > Tools -- > Experian XXXX. The link to the freeze page is buried in information about Experian 's fee-based XXXX program. 

Again, I contacted the company via Messenger and was advised that if I go to the main page, I must be logged out. And indeed, this is correct : Credit Report Assistance is visible. However, this goes against how most people use sites where they have established logins. You can not access your account without logging in. Why would I look for the page that will require login without logging in first? 

Access to the page to freeze/unfreeze accounts seems to be hidden or at least difficult to reach purposefully. And it makes sense. It's in Experian 's interest for me not to access it and instead to pay for the XXXX service. Unfortunately, I was unfreezing, so XXXX would have served no purpose. 

The freeze page needs to be listed under the Tools option where it is easily accessible to all.
Consumer complaint received 2020-11-13
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. (TX)

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (OH)

TO WHOM IT MAY CONCERN XXXX XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM, and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me XXXX XXXX afforded by the FDCPA if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (CT)

On XX/XX/2020 I opted out of the automatic payment via ACH option on my account and the request was made with no problem. On XX/XX/2020 I sent an email to Avant requesting that my banking information be deleted since I am no longer using that option and they refused. I called on XXXX a few days before my payment was due to inquire about how to cancel the autopay. At that time the payment was due in a few days so I told the representative that I would let that payment go through and I would call back. On XX/XX/2020 I can't remember if I called or went online for the request to cancel the autopay, but it was done immediately and I received a confirmation email right away. I have been going back and forth with them by email about deleting my banking information. They can't remove it because of federal regulations. How does my banking information fall under the federal regulations that they are citing? My banking information is personal and private. If I am no longer using the automatic payment option there is no reason for them to hold on to my banking information. I chose another way to pay them.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Tower Loan of Mississippi, Inc. (LA)

On XX/XX/2020 I sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
Consumer complaint received 2020-11-06
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. (WA)

My Experian report has multiple inaccurate demographic info. It causes issues with any application. It also contains inaccurate balance info on at least one account. 
I have tried disputing online, but, and this is not a joke or exaggeration, I've been getting " technical error, try later " for close to two years. 
In order to dispute via mail, I'd have to send copies of drivers license, social security card, and utility bill. Given CRAs poor track record in keeping information secure, I do not find this to be a viable option. 
I have paid Experian monitoring, they take payment every month, I'm not being asked to verify each month who I am. 
It makes no sense that they can not figure this out. 
I've also been unable to access Free Annual Credit report online due to same technical error. 
Since my vision is pretty limited, playing mail game is really not fair. 
Additionally, as immunosuppressed person, i shouldn't have to go to post office and stand in lines. 
I've visited XXXX XXXX  website ( and associated forum ) where many are reporting same issue Do they really get to act with such impunity while causing us loses? 
I can not get approved if my information doesn't match what's on file, I can not do online dispute what's on file, nor my vision allows playing pan pals. Online I can at least use screen reader.