davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian has been doing nothing despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against the Credit Bureaus and sue them for the damaged taken due to theyre incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. I reported the theft of my identity to the Federal TradeCommission and I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Tx XXXX Subject : Updating My Personal Information To whom it may concern, I recently reviewed a copy of my credit report and noticed outdated, inaccurate personal information on my profile. I need to update my personal information in your records. I want to make sure my credit report has the correct details. Here are my ONLY personal details that should be on my credit profile : My correct name is : XXXX XXXX XXXX XXXX XXXX of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number : XXXX Email Address : XXXX Please update this information in your system and DELETE/REMOVE all other information. It's really important to have accurate personal information for my financial profile. I've included copies of some documents that prove my updated information : Please process this update as soon as possible and send me written confirmation once it's done. If there's anything else I need to do or provide, please let me know. If you have any questions or need more information, please reach out to me at the phone number or email address provided. I appreciate your help and hope we can resolve this quickly. Thank you! 

Yours sincerely, XXXX XXXX XXXX
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, 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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights unde

r -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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX, XXXXXXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Collecons : XXXX  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/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  Name : XXXX XXXX XXXXXXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Equifax Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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: Affirm Holdings, Inc (FL)

On XXXX XX/XX/2021 my cell phone account ( XXXX  ) was stolen and all my personal information was available to that person through my online account. Even though I had double security on my account XXXX allowed it to happen. i was able to get that fixed. However, same people applied for an loan through Affirm for a XXXX vacation. All happened on XXXX XX/XX/2021. I contacted Affirm before loan was finalized and they assured me it would not be finalized. Explained the situation and I was assured everything was corrected. Then I contacted XXXX on XXXX XX/XX/2021 explained to them the situation and they canceled the reservation due to it being fraud. I was calling them from Florida on XXXX XX/XX/2021 and 3 rooms were booked for XXXX XXXX for XXXX XX/XX/2021 with my name on reservation. I was told they would have to show identification to check in. I was reassured again all was taking care of. I have requested copies of loan documentation and identification from Affirm  and XXXX. Affirm  has requested that I provide my drivers license and I do not feel right about doing so. This company I feel wants my ID to cover up their fraudulent practices. They have added this loan to my credit report with extreme delinquency and is affecting me financially.
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. (CA)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2022-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. BK OF AMER XXXX
Consumer complaint received 2022-08-04
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. (MO)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX Balance : {$18.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023, I paid for a prescription at XXXX # XXXX, XXXX, Louisiana, with my Capital One Mastercard. The clerk charged the wrong amount, {$27.00}. They voided the transaction and charge the correct amount, {$12.00}. Both charges were posted to my account. I notified Capital One and the posted a credit for the {$27.00}. I submitted to Capital One a copy of the " POST VOIDED TRANSACTION '' receipt from XXXX. Then, on XX/XX/2023, Capital One reversed the credit and charged me the XXXX. I contacted Capital One and they said there was nothing they could do. I contacted XXXX and they said there was nothin they could do. Please help me with this incorrect charge. I will attach a copy of the XXXX receipt to this complaint. 

Thank you in advance, XXXX, : )
Consumer complaint received 2022-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (OH)

GoodLeap is working with XXXX XXXX to finance solar systems. My solar system installation started XX/XX/2022 and never completed, system has not worked since the installation. My contract says XXXX should test the system and verify it works before getting paid. However GoodLeap paid them in full without confirming or even notifying me. When I found out I contacted them and told them installation is not complete the agent on the phone basically said it is not their problem I have to fix it with XXXX. XXXX is not responding, they do not have any plans fixing it. Goodleap keeps taking money out of my account and I have XXXX on my credit report for a system that has never worked. 
In addition to that GoodLeap keeps calling me to remind that I need to apply for federal tax credit and give them that money. I told them that it is not legal to apply for tax credit unless system is operational, they said not to worry this is a common practice and their customers do that all the time. 
Is there anything you can do for me? The only way for me to stop the payments to close my account, open a new account and then I will have to deal with even bigger issues. Is this a valid debt? Can they just pay someone on my behalf without completion of the job and then force me to pay them?
Consumer complaint received 2022-08-04
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. (GA)

Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove 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 have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED
Consumer complaint received 2022-08-04
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. (CA)

I have beeen disputing the correction of the account XXXX XXXX XXXX XXXX with a Balance of {$1700.00} and Date opened XX/XX/XXXX for a long time now and the most recent letter I sent to the Credit Bureaus was XX/XX/XXXX. This account is reporting as late only in Experian Credit Bureau! Experian is reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in Exrperian. If their record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you.
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX AV XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (AZ)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.