davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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)

Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and XXXX, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies. 

Can both companies report the same account?
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I opened an account for XXXX XXXX  XXXX for my XXXX XXXX which is held with Comenity Capital bank. It is a deferred interest account. I consistently made the payments on time and in some months twice in the same month. Their computer system erred in not applying some of these payments and as a result charged me an extra {$38.00} late fee. I have documentation that these payments were on time and consistent. Comenity Bank refuses to remove late fee even with several letters and phone calls. Payments from inception:XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XXXX $ XXXX,XX/XX/XXXX, {$170.00}, XX/XX/XXXX- {$170.00}, XX/XX/XXXX- {$140.00}, XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. Each payment cleared my bank. They refuse to correct the late fee. The late fee was posted in XX/XX/XXXX.
Consumer complaint received 2023-12-18
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. (CA)

Personal Statement my wallet including my id, social security card, bank cards and my medical cards was stolen. i have been been disputing this unauthorized account with XXXX XXXX since the day i noticed it had been reporting to my credit report. I have never experienced anything of this nature. my identity was stolen and used to obatin a XXXX XXXX credit card with a balance of {$3600.00} that i have no knowledge of. I have and will continue to disoute this fraudulent information until it is removed from my credit report. no signatures, authorization or any consent of mine was given to XXXX XXXX, they had no right to open a fraudulent account using my information. in this case they allowed a fruadester to use my personal information to obatin fraudulent funds. this matter needs to be invistaged and removed immediately. 
My rights have been disregarded and I demand this matter be settled immediately
Consumer complaint received 2022-12-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

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  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

Hello my name is XXXX XXXX after I closed on my home the title company sent my Insurance agency a check of {$2400.00} that was stolen and cashed and now they're threatening to cancel my homeowners insurance and bank united Is Handling the fraud case And they are taking too long, that money need to be deposited back into my escrow account for my Homeowners insurance Before I get canceled Here are our list of the parties involved. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX person in charge at BankUnited is XXXX XXXX XXXX Cell XXXX
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I sold an item on XXXX on XX/XX/2019. Have sold over 4,000 items on there without issues. A buyer got an item, filed a dispute, and never returned the item. The item was exactly as described in the description. The item was a custom industrial printer worth {$1300.00}. I have proof of delivery of the item through XXXX. XXXX charged my XXXX account for the amount of the refund. I disputed with XXXX who reviewed the case and detail and sided in my favor. XXXX then charged the credit card I have on file for the payment of success fees with them for the full amount. I disputed with Capital One over multiple letters and months, but they refused to uphold my charge back rights.
Consumer complaint received 2022-12-14
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)

Transunion had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Transunion Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fig Tech Inc. (TX)

My credit report states that the first payment was never received. It was made XX/XX/year>. Looking at the graph it shows a check mark indicating paid for XX/XX/year> BUT the report stated first payment nerved received. 
You are providing inaccurate information on my credit report therefore, I respectfully request that the account be deleted due to inaccurate information listed on my report. ( fdcpa guildlines )
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (PA)

TrueAccord Corp is reaching out to me stating that they are reaching out on behalf of XXXX XXXX XXXX to collect a debt in the amount of {$490.00}. This is not my debt, and I have no knowledge of this account. I have reached out to the creditor directly to request ownership of this account as well as proof of purchase agreement and I was not provided with this information. This information is the result of fraud and I would like to be cleared of this immediately.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

1. I am unable to log into my Experian account on www.experian.com. I had forgotten my password. I attempted to request a password reset by providing my Experian username through the Experian website.

2. The Experian website told me that my username was wrong, so I clicked the link to have them send my username to me. I provided my Social Security Number and date of birth. Experian sent me the exact username they rejected in # 1 ( above ) I'm caught in a loop where the Experian website logon is rejecting my username, yet the Experian username recovery process is providing the exact username their logon process rejects.

Most frustratingly, a real live person can not be reached at Experian. If I call the number to get help, I am offered a choice of automated help or to end the call. Getting a live person is not possible.

In addition to my attempts to resolve this on their website and by phone, I wrote to Experian at XXXX XXXX XXXX, Texas and provided necessary proof of identity. Experian responded with a form letter that had nothing to do with my request for help. 

It is really frustrating that Experian can have so much power over individual consumers and yet there is no way to reach someone to help fix this issue. Typically resolving username and password issues is a very simple process and it is usually something that can be accomplished using a website. The fact that I can not accomplish this on the Experian website, on the phone, or through United States Postal Service mail is nothing short of ridiculous and speaks directly how dismissive this organization is of the general public. 

I would sincerely appreciate any help you could provide. 

Thank You
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

On the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX XXXX and XXXX company named XXXX XXXX ( the Company ). Money was transferred from my account to the Company via a bank wire for a total amount of XXXX, XXXX. XXXX XXXX  utilizing Kraken Payward Ltd`s services.
Consumer complaint received 2023-12-20
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-12-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: College Ave Student Loan Servicing, LLC (AR)

XXXX XXXX XXXX XXXX is the company I am filing the complaint on. I do have a private student loan I have defaulted on because I can't afford to keep paying the loan. I want to settle the debt at some point with them but not now since I don't have the money. My name is the only one on the loan. Their headquarters is in Delaware at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Not only have they called my parents harassing them from a fraudulent number, but they have also now called me from a fraudulent number. The number they called my parents from was from a XXXX ( XXXX XXXX, AR ) number and the number they called me from was an XXXX ( XXXX Arkansas ) number. It was XXXX to be exact and my cell phone shows this number to be from XXXX XXXX, AR!!! This loan company has NO offices in Arkansas. I was going to offer to settle for {$10000.00}, about half of the loan balance, but since they have now called both me and my parents from fake phone numbers, that offer will now be reduced to {$6000.00}, or {$2000.00} for each time they've called us from fake numbers. I want a stop put to this NOW!
Consumer complaint received 2023-07-31
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. (AL)

On XX/XX/2023 I sent letters to XXXX, XXXX, Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the date opened, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

15 USC 1681 section 602a states I have the right to privacy. 

15 USC 1681 section 604a section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make 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 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 or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MS)

I held an account for XXXX XXXX XXXX XXXX internet services from XXXX XXXX XXXX. When I left the service address, I requested for the account to be closed. In late XXXX, I began receiving collection notices at my new residence for billing charges that were accrued after XX/XX/XXXX in the amount of {$170.00}. As stated above, I did not occupy the residence while the charges were accrued, nor did I hold any XXXX XXXX XXXX  account or receive any billing notices for these charges during this time. If this is otherwise, this is in error. In XX/XX/XXXX, I contacted XXXX XXXX XXXX customer service and the representative confirmed the charge was in error and ensured me that the charge was removed from collections. However, I recently applied for a new mortgage in XX/XX/XXXX and it was brought to my attention that this collection remains on my credit report. I was not contacted for any collection attempt ( either phone or mail ) after this date. This collection attempt will cost me thousands of dollars on my new mortgage due to increased interest rates and closing costs. Otherwise, my credit report is excellent. 

Over the past month ( XX/XX/XXXX ), I have contacted XXXX XXXX XXXX numerous times about this dispute and have spent approximately 5 hours on the phone with their customer service representatives and an additional 2 hours in a corporate office. I was instructed to contact Fraud, XXXX services, Billing, Collections, and general customer service, all of which were unable to help resolve the issue and transferred me to another department. My attempts in the corporate office were also unsuccessful as they informed me they were unable to view my account. On two occasions, I was promised that I would receive a call back from a supervisor. Specifically, on Tuesday ( XX/XX/XXXX ) XXXX ( Employee ID XXXX ) informed me that he could not process the request but his supervisor, XXXX, would be able to and she would contact me by end of day. On XX/XX/XXXX, I spoke with XXXX ( supervisor ) and she informed me she would contact me within 1-2 minutes of hanging up the phone as she had to walk to her desk to access the account. Each time, I never received a call back. Through the advisement of my attorney, I attempted to complete a Notice of Dispute form online XXXX XXXX XXXX on numerous occasions ; however, this form is not a functioning form and does not allow you to submit ( I attempted to submit via multiple internet browsers ). Therefore, I mailed the signed Notice of Dispute form to XXXX XXXX XXXX at the specified address on XX/XX/XXXX ; however, I have not been contacted by XXXX XXXX XXXX regarding this matter. 

I am requesting for attempts at collection to stop immediately. I am requesting for this collection attempt to be removed from my credit report immediately. I am requesting that XXXX XXXX XXXX  confirm, in writing, the charge was an error and remove the collection attempt from my credit report.