davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NE)

I received notice from several monitoring agencies of fraudulent and unauthorized hard credit inquiries ( 4 so far ) in the span of 12 hours beginning XX/XX/XXXX in the evening and through XX/XX/XXXX in the morning. I took action to freeze my credit profile with all three bureaus then began to dispute the unauthorized inquiries that are dropping my credit score ( XXXX points overnight ). Experian doesn't allow inquiries to be disputed online per the message I received on their website while logged in to my portal. They say you have to call, but then are unable to be reached via the number provided. I tried many times and searched out several other customer service numbers for them to try over a few hours of my work day to reach someone. The IVR is impossible to navigate to a person and limited in it's ability to assist while also being the only option for assistance I have. It was unable to help me dispute an inquiry- same as the website, so I'm at a loss and victim of fraud and the monopoly of credit reporting agencies that offer poor customer service and inability to perform necessary tasks relating to maintaining a true and accurate credit report with timely resolution. I tried calling XXXX as well for the same issue- to dispute fraudulent and unauthorized inquiries- and was informed their systems were down and there was nothing they could do until the system was back up. They asked me to call back in 15 mins. That is unacceptable considering the existence of fraud requires timely resolution. These bureaus have a monopoly over consumers and through no say of ours we are owned by our credit and credit scores- therefore hostage to the bureaus who then offer no customer service whatsoever. THIS needs changed! It's unacceptable. If they were private companies in competitive industries, consumers would leave them and take their business elsewhere. They'd be forced to offer viable service or go out of business, but because they are a monopoly and consumers have no choice, we stay victim to their ways with no recourse and they skate by without any repercussions.
Consumer complaint received 2020-04-23
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: AMERICAN HONDA FINANCE CORP (CA)

This is regarding a late payment record that was reported inaccurately by Honda American Honda Finance. I had recently checked on my credit and it shows that there was a late payment reported in XX/XX/2015. My recollection of the event was that I had gone out of the country during that time and had made my payment via the internet and had logged in to pay for my account on the site. I was able to set the amount and I had clicked submit and logged off and payment had posted on my bank account as pending. When I got back from my vacation out of the country I had noticed that the payment did not go through causing me to be late on my payment. I had contacted Honda Financial Services regarding the matter and had paid the whole balance that same day. I was assured by the account representative that it's hard to pinpoint what went wrong and that there was nothing to worry about and since I don't have a history of late payment that it should not be taken against me and I have moved on from that and the same error never occurred for the remainder of the account. I had contacted Honda Financial regarding this matter and they had sent me a copy of the account via mail proving that my payment was indeed late. I am aware that the account was late as it shows on my credit the problem was why it was late when I had made the attempt to pay for my due balances the same way I have been every month before this incident.
Consumer complaint received 2023-02-23
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. (PA)

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 XXXXXXXX XXXX XXXXXXXX # 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 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 2023-02-23
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. (FL)

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 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 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 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The financial institution, Bank of America, overdrafted my account on or around XX/XX/2023. There was a cash deposit in the amount of {$600.00} made on XX/XX/2023 to cover a hotel expense in XXXX. The deposit made was the amount needed and then some to cover it. However, when I returned home my tax return posted and I transferred the money from the checking account into my savings account. All together there should have been a total of approximately {$3200.00} between the {$600.00} and the {$2600.00} tax return received. On or around XX/XX/2023, when I checked the balance on my checking account it was {$470.00} overdrawn. When I contacted customer service to investigate, I was told that there was a teller hold on the cash deposit and that I would have to go into a branch to discuss it with a banker. I did that and the banker could not understand why I was disputing it. In either case none of the customer service representatives knew what was going on. They also did not seem to want to look into this further. It appears the Bank of America is once again trying to swindle people out of money by overdrafting their customers ' accounts for no reason.
Consumer complaint received 2023-02-23
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. (PA)

Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (CT)

When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (NV)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.
Consumer complaint received 2020-04-23
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC (SC)

On XX/XX/2020, XXXX XXXX with Diversified Recovery Bureau, called XXXX XXXX, someone who is not a co-owner on my account, and told him my balance and asked him to pay it. This is unacceptable given that XXXX is not on my account. XXXX claims this is legal in her state, but XXXX is not on my account and this is not legal.
Consumer complaint received 2019-08-10
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: DRIVEiT Holdings, Inc. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2023-02-23
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. (KY)

I am submitting this CFPB complaint to let you know that the information you report are different from each other. There are accounts that you are reporting as late when it is not truly late compared to other Credit Bureaus. When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts and I need you to have them corrected. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-23
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. (GA)

I have attached documents stating that the car company is in violation of my rights. 15 U.S CODE S 1605 DETERMINATION OF FINANCE CHARGE ( a ) FINANCE CHARGE DEFINED EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION THE AMOUNT OF THE FINANCE CHARGE IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTIONS SHALL BE DETERMINED AS THE SUM OF ALL CHARGES, PAYABLE DIRECTLY OR INDIRECTLY BY THE PERSON TO WHOM THE CREDIT IS EXTENDED, AND IMPOSED DIRECTLY OR INDIRECTLY BY THE CREDITOR AS AN INCIDENT TO THE EXTENSION OF CREDIT. THE FINANCE CHARGE DOES NOT INCLUDE CHARGES OF A TYPE PAYABLE IN A COMPARABLE CASH TRANSACTION. THE FINANCE CHARGE SHALL NOT INCLUDE FEES AND AMOUNTS IMPOSED BY THIRD PARTY CLOSING AGENTS ( INCLUDING SETTLEMENT AGENTS, ATTORNEYS, AND ESCROW AND TITLE COMPANIES ) IF THE CREDITOR DOES NOT REQUIRE IMPOSITION OF THE CHARGES IR THE SERVICES PROVIDED AND DOES NOT RETAIN THE CHARGES. EXAMPLES OF CHARGES WHICH ARE INCLUDED IN THE FINANCE CHARGE INCLUDED ANY OF THE FOLLOWING TYPES OF CHARGES WHICH ARE APPLICABLE : 1 : INTEREST, TIME PRICE DIFFERENTIAL, AND ANY AMOUNT PAYABLE UNDER A POINT, DISCOUNT, OR OTHER SYSTEM OR ADDITIONAL CHARGES. 2 : SERVICE OR CARRYING CHARGE. 3 : LOAN FEE, FINDERS FEE, OR SIMILAR CHARGE. 4 : FEE FOR AN INVESTIGATION OR CREDIT REPORT. 5 : PREMIUM OR OTHER CHARGE FOR ANY GUARANTEE OR INSURANCE PROTECTING THE CREDITOR AGAINST THE OBLIGORS DEFAULT OR OTHER CREDIT LOSS. 6 : BORROWER- PAID MORTGAGE BROKER FEES INCLUDING FEES PAID DIRECTLY TO THE BROKER OR THE LENDER ( FOR DELIVERY TO THE BROKER ) WHETHER SUCH FEES ARE PAID IN CASH OR FINANCED. SECTION ( C ) PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE!!!! CHARGES OR PREMIUMS FOR INSURANCE, WRITTEN IN CONNECTION WITH ANY CONSUMER CREDIT TRANSACTION, AGAINST LOSS OF OR DAMAGE TO PROPERTY OR AGAINST LIABILITY ARISING OUT OF THE OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE UNLESS A CLEAR AND SPECIFIC STATEMENT IN WRITING IS FURNISHED BY THE CREDITOR TO THE PERSON TO WHOM THE CREDIT IS EXTENDED, SETTING FORTH THE COST OF THE INSURANCE IF OBTAINED FROM OR THROUGH THE CREDITOR AND STATING THAT THE PERSON WHOM THE CREDIT IS EXTENDED MAY CHOOSE THE PERSON THROUGH WHICH THE INSURANCE IS TO BE OBTAINEDYOU DID NOT YOU OBVIOUSLY BROKE THE LAW YOU FID NOT INCLUDE THE INSURANCE IN MY FINANCE CHARGE XXXX : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. PHONE : XXXX SEND CHECK BACK OR WE PLAN TO SUE
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (TX)

From XX/XX/2020, I have submitted to First Advantage per XXXX the background check information. Per XXXX, the background checks are suppose to returned with 1-3 days after submission. However, In this case, First Advantage failed on numerous attempts and causing a denial due to their negates of telling that the SSA-98 form request the name to appear on the company a different way. I have submitted over 9 ssa-98 and  spoke to various agents as towards them the appears suppose to be on the document. Each advised incorrect information and causing me to lose out of more than 4 job  opportunity. This now is my 5th job opportunity lost do to them and each submission is requiring a SSA-98 which, its suppose to be good for 22 days. However, I see every other agent with XXXX getting their background check completed without a problem. I think this company in acting unethical and misrepresenting information. I was advised on several occasion the refusal to submit the information to the SSA. This is unfair practice and should be investigated. All I get from the representative is attitudes as " I am the one in charge, and I am not submitting anything to the SSA. ''
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On Tuesday XX/XX/XXXX, I inquired with someone about buying a XXXX XXXX through XXXX. I should have noticed the first red flag when i texted and was asked to pay through XXXX, but alas i was scammed out of {$150.00}. The seller gave me their phone number and i proceeded to text them about the product. They promised to ship via usps and I went through, assuming it was legitimate. I paid half up front and my XXXX  transaction is titled as so ( 1/2  switch ). The payment was posted on XX/XX/XXXX and the money was immediately taken out of my account and i am currently down {$150.00}. The user, XXXX XXXX, provided a fraudulent tracking number which obviously never updated. I have screenshots of the entire conversation and if needed can provide any additional information. I noticed the issue after my number was blocked and i couldn't send any more texts. I submitted a claim with Capital One and was provided a provisional dispute credit on XX/XX/XXXX. I was informed yesterday, XX/XX/XXXX, that my claim was denied and I called the claim department today, XX/XX/XXXX, and learned there was no further action I could take. I have attached a zip file with 21 screenshots of all my conversation with the person who scammed me out of my money, alongside a copy of Capitalones response email when denying my claim.
Consumer complaint received 2023-02-23
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-23
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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX