davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have five ( 5 ) hard inquiries from Capital One on both of my credit reports from XXXX and XXXX. Said inquiries were not from my initation and nor do I have any knowledge, involvement, or complicity in them. I have never applied for any credit with Capital One and nor have I authorized Capital One to pull my credit reports from XXXX or XXXX. These hard inquiries are affecting my credit scores, are violating the Fair Credit Reporting Act, and are violating due process of law. I have filed disputes with both credit bureaus and said disputes were denied. I also called both credit bureaus and was told that they are to remain on record for two years and that the only way I could have them removed is to contact Capital One and request that they notify the bureaus to delete them. I have also called Capital One numerous times requesting for help and Capital One beats around the XXXX or states they have nothing on record about the inquiries. The inquiries are related to applications for a credit card and if Capital One has no records of the inquiries, then why does both credit bureaus have them down on my credit reports. A complaint is also being filed with the federal trade commission and Dep. Of Treasury against Capital One if no assistance or rectification is given. Said inquiries were conducted by Capital One on said dates of : XXXX, XXXX, XXXX, XXXX, and XXXX. The address for Capital One from the hard inquiries on my credit reports says XXXX XXXX XXXX Utah if this is any help.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm frustrated by the lack of change despite my repeated attempts to dispute this issue. It seems to me that your company doesn't prioritize consumer concerns. This situation has not only harmed me but has also significantly limited my opportunities and closed many doors. I hope you can understand the helplessness I feel knowing that these issues are affecting my credit report without proper verification or accuracy.
Consumer complaint received 2024-07-02
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but this fraudulent item still remains.
Consumer complaint received 2024-07-02
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXX Acct # : XXXX  Acct # : XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 Section 602 a I have a right to privacy ( 15 USC 1681 section 602 a section 2 also states a consumer reporting agency can not furnish an account without my WRITTEN instructions 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 C ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following information. Any adverse item of information other than records of conviction and crime which antedates the report by more than seven years.

15 USC 1681 S-2 A 1. A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 I5 The consumer reporting agencies are supposed to modify accounts that arent reporting accurately.

15 U.S. Code 1681a Definitions ; rules of construction Exclusions. Except as provided in paragraph the term consumer report does not includeany report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent non compliance 15 USC code 1681e compliance procedures
Consumer complaint received 2023-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I made a wire transfer from Simmons Bank to XXXX XXXX XXXX  and discovered I was scammed and tried to stop it the same day. Simmons did nothing and closed all of my accounts. XXXX XXXX XXXX would not answer the phone to help by myself or Simmons Bank. I lost XXXX.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The addresses I have listed below do not belong to me and therefore are not mine. I request that your agency take appropriate action to investigate and remove the addresses listed below. Thank you for your help. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-07-02
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I don't understand how in my multiple attempts of dispute, nothing has changed. I don't think your company cares enough about your consumers because not only this has negatively impacted me, it has also diminished my opportunities and closed so many doors for me. I wish you could understand how it feels to be this hopeless knowing that these are being reported on my credit without proper verification and accuracy.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam, I am writing to formally dispute the presence of a fraudulent account currently reported on my credit report. This account was not opened by me, and I believe it to be the result of identity theft. I request that you investigate this matter and remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX  Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am exercising my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 

Identity Theft : This account was opened fraudulently using my personal information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-02
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-02
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX 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 60 days 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. 


XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.
Consumer complaint received 2024-07-24
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. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified. My credit report continues to contain multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified and updated. My credit report continues to contain multiple inaccuracies. 

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Im submitting a complaint to you today to inform you I was the 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 : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove 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. 
XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-02
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)

I am writing to dispute a collection account reported on my, credit report. The account in question is from XXXX XXXX and is currently listed by XXXXXXXX XXXX Basis for Dispute I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX
Consumer complaint received 2024-07-02
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. (KY)

I applied for an apartment lease on XX/XX/year> and was denied, when I received a copy of the rental report and the credit reports used in that denial, I saw many entries that were fraudulent and took the proper steps to have these entries blocked or removed. 

I received word back from Experian that they would block some entries, but not others without providing a reason for this. I sent the original police report, FTC Identity Theft report and other documents from the companies themselves to Experian that clearly identified these as fraudulent accounts and Experian decided that despite this, they would not block the items from my report without providing any reasoning for the decision. 

I did everything I was supposed to to have accounts opened in fraud removed and yet they remain, I believe these entries should be removed immediately.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is incredibly depressing because a lot of information appeared in my credit report and I believe they were not checked or verified at all. It has impacted my credit report and now has affected me mentally that I can no longer go on happily with my life. I am having intrusive and depressing thoughts.
Consumer complaint received 2023-04-25
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. (PA)

In accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.