davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with Portfolio Recovery Associates has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.
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 information incorrect
Company: Experian Information Solutions Inc. (PA)

The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
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. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
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. (CA)

XXXX. Has failed to delete inaccurate information from my credit report. On XXXX  XXXX it shows that I have no derogatory marks on my credit report. But on Experian it shows and XXXX that I have XXXX derogatory marks. The company sent me a letter stating that they would remove the derogatory mark. Due to lack of proof that the accounts belong to me. I have already reported XXXX multiple times for stating they would delete the derogatory marks but they NEVER honor their words. 

Ive been a victim of identity and until further notice anyone that is reporting to my credit report must have proper documentations of signatures not PDF signatures but my actual signature. That is printed on any documents. I made this clear to all the creditors.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Over the past seven years I have had difficulty working with XXXX   on blocking fraudulent items. I have two police reports on file with XXXX and they have not used the police report when investigating/disputing information. I have contacted several company in which I didn't establish credit with and they have stated that XXXX   do not send did not attach police report to dispute .XXXX XXXX  manage will return call in 24 hours per XXXX in fraud department XX/XX/20. 

XXXX also have removed some paid and closed items on my report without my permission. in the past I have a few open paid as agreed account and XXXX refused to update my credit score. 

XXXX is asking for an extended police report. once again these are not new items on the credit report. XXXX is allowing companies to change information on old disputes. 

This is my second complaint to consumer finance.
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)

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 Account number XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-23
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-08-05
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. (LA)

I have submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX CARD ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. NEITHER CREDIT BUREAU IS SHOWING A ACTUAL ''CLOSED DATE '' or ''VERIFIED DATE '' FOR THIS ACCOUNT.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX CARD ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-05
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)

RE : Experian On XX/XX/XXXX, I wrote to Experian requesting an investigation into an item I believed was inaccurate. The item was removed and recently reappeared and re-aged with a current date. 

This collection agency reports a debt from XXXX as being opened on XX/XX/XXXX. 
XXXX XXXX XXXX  Account Number : XXXX. 

This is untrue and the account was re-aged. Experian has not removed this account from my credit report.
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. (NE)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2022-08-05
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: GOLDMAN SACHS BANK USA (GA)

On XXXX XX/XX/2022, I filed a chargeback on my Goldman Sachs XXXX XXXX credit card against the merchant XXXX XXXX XXXX. Within a few days I supplied documentation to Goldman Sachs XXXX XXXX credit card demonstrating that the merchants did not honor the terms of our agreement which I paid for, i.e. to secure a private business loan for my company in the amount of $ XXXX. 

In the past whenever I have filed a chargeback with any other of my credit card issuers and everyone I know personally who has had to do the same, I was provided a provisional credit in the exact amount of the chargeback and the merchant had 30 days to respond prior to the investigation being closed in my favor. 

XXXX with Goldman Sachs XXXX XXXX credit card I am told that the investigation may take up to 90 days during which time I can not use my credit card. In fact the card in question has a positive balance of {$1100.00} owed to me in excess of credit limit, none of which am I able to utilize. This aberrant customer service policy on the part of Goldman Sachs XXXX XXXX credit card is an opportunity cost and punitive decision harming me due to the merchant 's foul play.
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: Experian Information Solutions Inc. (OH)

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX  XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account XXXX AND XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX and account # XXXX XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account, 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 with out my written consent. 

XXXX XXXX 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 — Information belongs to someone else
Company: Aqua Finance, Inc. (TX)

Aqua Finance open an account in my name without my consent using false information. I never authorized Aqua Finance to pull my credit nor did I sign a contract. The information listed on the contract is not correct. They listed my military rank and salary wrong on the application and I never signed the contract. I have reached out to them on several occasions to have this information remove off my credit report. I contact a XXXX XXXX on XX/XX/XXXX about my credit been pulled and she couldn't locate my account but told me to call XXXX Ext XXXX. I was told if I filed a police report this would remove the account off my report. I filed a police report Case # XXXX and sent this information over and the report is still showing on my credit causing my score to decrease. The electronic signature was not done by me and I never spoke with a representative or the person listed XXXX XXXX, about pulling my credit or trying to establish credit for me. I have been working on my credit and I wouldn't allow someone to pull just my credit. On the contract XXXX XXXX listed my military rank as an XXXX XXXX  and I'm an XXXX XXXX  He listed my gross salary at {$5000.00} which is also incorrect. I would never claim to be of rank that I haven't earned in the military that's a frown on my Integrity. Also, I joined the military XX/XX/XXXX and XXXX XXXX show on this contract that I've served for 18 years. XXXX XXXX listed my husband as Retired military and gross salary XXXX. My husband has never served in the military. He's received SSI monthly. On the contract he listed him as XXXX XXXX XXXX and my husband doesn't have a middle initial. All this Information is incorrect and XXXX XXXX never spoke with me about my military career, salary or if he was authorized to pull my credit. The signature on the contract wasn't signed by me and I had no knowledge of this account until I received an alert that my credit was pulled.
Consumer complaint received 2022-08-05
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. (MD)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. 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.

Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX 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
Consumer complaint received 2020-06-26
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: U.S. BANCORP (TX)

I disputed a charge ( letter faxed to the credit card company on XX/XX/20 ) from XXXX XXXX XXXX aka XXXX on my Fidelity Visa account ending with XXXX because I didn't receive the service I purchased ( round trip tickets, instead the return trip was cancelled ) and no adequate compensation was provided for cancellation and alternative flight arrangements. Cardmember Service failed to correctly process the dispute, incorrectly claiming that I received the services represented in the transaction. I faxed them my objection to their decision on XX/XX/20, requesting a partial reversal of the charge to compensate for the issue with the charge that I raised. Cardmember Services failed to respond to fulfill my request.
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: EQUIFAX, INC. (GA)

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 2023-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Sometime in XXXX I had applied to XXXX XXXX XXXX XXXX XXXXXXXX XXXX  assistance program because I was unexpectedly put out of work. I selected to deposit the assistance funds into my chime bank XXXX  because I liked the simplicity and technology-inclination this bank appeared to have. 

On one of the days I get this weekly payment deposit, chime randomly closes my account. I tried getting information back then on the matter and trying to get my money back, but their system is ran by bots which are very annoying, so I procrastinated dealing with this. I messaged chime a couple times about the matter every couple of months, but they always had the same bland response by bots. 

At this stage, few days ago, I threaten legal action, and chime finally responds with an actual support person. And their support are claiming I am somehow ineligible for a refund. I keep going back and forth with their support these past few days, and now they also claim they can not verify my identity with provided documentation, but the fact is I have never provided any documents to chime on this matter. This is the first time in 2 years they tangibly respond to me and they have used all types of XXXX and are trying to bully me from my money. 

I have documents from the XXXX XXXXXXXX XXXX XXXX showing that the payments I received were legitimately for me. Chime has not asked me to provide any documents or tried to verify anything with me, but they are insisting on holding my money ( for XXXX  knows what ). I need my money back, the state shows I was eligible for those assistance payments, and believes I got everything but that is not the case. I have not violated any agreements with Chime, and this is very shady behavior by this bank.
Consumer complaint received 2020-06-26
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.