davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. ()

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX Open options Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX This is my final warning. I am currently working with a law firm to sue the XXXX reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Consumer complaint received 2023-08-24
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: AMERICAN EXPRESS COMPANY (NY)

On my AmericanExpress credit card bill due XX/XX/XXXX, is a charge for {$19.00} for prem car rental protection. 
Although I had rented a car using that credit card, I never signed up for their car rental protection ( I already have that protection thru my auto insurance policy ). The charge is for a service I neither authorized or knew anything about. I have spent over XXXX XXXX hours on the phone with various people from Amex as well as from Amex XXXX. I initially was told by XXXX, at XXXX, that the charge would be reversed, but that has been contradicted by others. XXXX, a supervisor, told me I signed up for this protection, by phone, in XXXX. I do not recall doing this. He also told me there is nothing he can send me to prove I signed up for this. In the intervening eight ( XXXX ) years, there has been no contact with me about this program. He refused to transfer me to a manager or have a manager call me. Amex refuses to submit this for dispute or fraud b/c it involves one of their own companies, Amex Assurance . 
I spoke to XXXX on XX/XX/XXXX & XX/XX/XXXX. I spoke to Amex XX/XX/XXXX and XX/XX/XXXX. 
I filed a complaint with the XXXX XXXX XXXX XXXX office on XX/XX/XXXX. They referred it to the XXXX which I contacted today. OCC has no record of the complaint, and referred me to CFPB. 
I paid the charge, but I want the charge reversed.
Consumer complaint received 2023-11-22
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. (NJ)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2023-07-08
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)

There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted but for some reason this company has been adamant about violating my consumer rights and at this point I have been suffered from extreme injury and i would like to move forward with legal actions
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NH)

My problem is with Experian. 
When I use my credit ... my score goes down. I get that. But when I pay it off, it doesn't go back up. It just keeps going down... never back up. For example... I just paid off 2 credit cards that I had 0 % interest on to the tune of XXXX XXXX  My score never went back up. 

A month later... I spent {$1000.00} on another card that I already had a balance on ( another XXXX balance card that doesn't expire until XX/XX/year> ). My score went down. 

I paid off XXXX ... I spent XXXX... my score went down for " balance increase ''. Where is the raise in score for the balance decrease???? 

Meanwhile, I get constant, and I mean CONSTANT ads from them to " boost '' my score for a price. How accurate is this system if you can simply BUY a good score? 

My payments, history... all " exceptional ''. 

I own 2 properties with no mortgages ... I have a home equity loan for XXXX XXXX for a remodel I did to one of them. 

Experian has rated me in the low " good '' area. 

This is a scam. Why are they allowed to change your score for a price????
Consumer complaint received 2024-06-29
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: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-11-21
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc. (MI)

I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-06-29
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. (MI)

I am writing to dispute the information on my credit report regarding account number XXXX with XXXX XXXX and with Experian credit Bureau XXXX XXXX and Experian continues to report inaccurate and inconsistent information pertaining to my CLOSED account. They both report the account is closed but posted late payments, but now reports XXXX 's, the car was repossessed and the acccont was closed, so there should be no late payments or any type of reporting after XX/XX/year> of this account. Experian refuses to reply to my complaint through the Consumer Financial Protection Bureau as they are obligated too, but communicated through there platform ( see attached document ) when I made my first compliant with them through the CFPB XXXX of which they are both obligated to me and the CFPB to detail the steps they have and are taking to resolve my issue. 

Because of the constant and inconsistent reporting of this account by both XXXX XXXX and the Experian credit bureau I am strongly urging the CFPB to do a legal investigation into both named parties in this compliant
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : You have been furnishing errors on my consumer report for months according to my reports. 15 USC 1681 ( a ) clearly specifies that a consumer report should exclude reports containing information solely as to transactions or experiences between the consumer and the person making the report. Attached is a copy of the account and the highlighted areas are showing the violations that have been posted on my report for some time now. 15 USC 1681s-2 gives you the right to furnish delinquent information such as a charge -off but not those transactions and experiences that came before it. 
( XXXX ) ( A ) In general A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnish the information, notify the agency of the date of delinquenc the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. With that being said, the information that is highlighted in the attachment is and has been a violation for over a year now. Please remove these violations
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

I disputed multiple transactions through sofi on the XXXX and XXXX of XXXX. Theyve issued provisional credits for the disputes on the XXXX, but not for the disputes on the XXXX which totaled {$670.00}. Theyre the same exact disputes against the same company. It has now been XXXX weeks since my disputes on the XXXX and sofi has refused to provide any information about the progress of the investigation or their provisional credit process. The emails Ive received have just repeatedly stated that theyd notify me XXXX business days after investigation completion. While its not a violation of Regulation XXXX, it is questionable business practice to have such a lack of transparency or urgency when it comes to peoples money.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I owed a minimum payment of {$230.00} to capital one towards my credit card. I received an offer in an email to settle the account for {$270.00}, I call capital one to discuss my options, I called and asked if the debt was sold off and was told it wasnt, so I then asked if I made the minimum payment will I be able to use my card again, I was told I was so I went ahead and payed the minimum payment of {$230.00} to keep the account active instead of settling, and closing it for {$270.00}. After making the payment my card still showed restricted, I called the bank back to ask what happened and I was told that the information I was told was wrong and once the account is restricted it can not be unrestricted, so I paid the {$230.00} for a card I cant even use again and still owe a remaining balance. When I mentioned what I was told by the agent they investigated and determined the agent didnt do anything wrong, when I asked for a recording of the call I was denied. I then asked was it possible that someone higher up can take the restriction off or allow me to pay the difference between the {$230.00} I paid, and the {$270.00} settlement offer and both suggestions were declined. Now Im hoping I can receive help with this matter.
Consumer complaint received 2024-06-29
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. (TX)

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX, Il XXXX. Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.