davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit 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 (AR)

I had canceled their breathalyzer interlock device service after they informed they would be keeping my credit card on file and charging me whenever and however they felt like. No other company does this. I signed one page of their contract and never received the rest of it. Til this day still have not seen this multiple paged contract, yet they have sent it to Capital One. I disputed 4 fake violations fees charged for the amount of XXXX They claim I had a refused test on my car breathalyzer which is completely false. The logs show I have a passed test within XXXX minutes later each time. Which is also within the XXXX minutes of the rolling tests allotted per their terms and conditions. The person who does the installs and removals can attest to this and says as well I should have never been charge as there was no violation. They have faulty equipment. They are several lawsuits agsinst them in multiple states. Class action ones to boot. Some states dmvs have even shut them down and wont let XXXX XXXX ( XXXX ) operate. They have 1 star reviews on XXXX, XXXX XXXX XXXX and XXXX. They are unscrupulous and shady. They need to be investigated and I am appalled Capital One is siding with them on a technicality of saying they didnt agree to letting me out of my contract? The issue is not the contract. The issue is the charge should have never happened. There was never a violation. Let alone XXXX. 

XXXX XXXX then is also creating a separate invoice of the original charges and adding XXXX dollars to each charge and expecting me to pay it. They are ridiculous. They wont respond to any texts or emails and I am locked out of their app. They are highly unprofessional and are scam artists and crooks.
Consumer complaint received 2024-09-02
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. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-21
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized hard inquiries that have appeared on my Experian and XXXX credit reports. These inquiries were made on XX/XX/year>, by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  without my knowledge or consent. I believe these inquiries were initiated due to actions taken by XXXX, which did not inform me that third parties would be allowed to run hard inquiries on my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. The hard inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX do not meet these criteria and are therefore unauthorized. 

Additionally, FCRA 15 U.S.C. 1681c ( a ) ( 2 ) mandates that credit reporting agencies report accurate information. The presence of these unauthorized inquiries on my credit reports is a violation of this provision, as they inaccurately reflect my credit activity.

According to FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. I demand the immediate removal of these unauthorized hard inquiries from my Experian and XXXX credit reports. 

If this issue is not resolved promptly, I will consider further action, including legal remedies under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act. 

Please confirm in writing that these unauthorized inquiries have been removed from my credit reports.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Late Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

In XXXX I financed a car for about XXXX with Credit Acceptance Corp. In XXXX of XXXX the car was repossessed about a month later I received a letter stating that the car was sold and I owe them {$8500.00} for the balance left of my car. I checked my credit reports recently and that account is showing that I owe {$24000.00} on all three credit bureaus. I want them to update it with the correct balance
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner attempted briefly to collect on an illegitimate debt charged to XXXX XXXX by XXXX XXXX XXXX. This debt was acquired after XXXX suffered a XXXX XXXX XXXX which required XXXX XXXX XXXX and XXXX XXXX  in an XXXX XXXX  and was unable to drive said vehicle, make insurance payments and perform basic functions. No attempts were made to resolve this issue by XXXX. Caine & Weiner and other debt collectors harassing tactics of debt collectors has significantly hindered XXXX XXXXXXXX XXXX recovery. These companies will be subject to a lawsuit if credit marks are not removed.
Consumer complaint received 2024-09-02
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (TX)

I changed my phone number and I didnt realize the number I had on my account with Upgrade XXXX for my two steps verification was the number I just changed. I called Upgrade customer support and the lady I spoke with took the number from and and told me the company would be sending me email to send my drivers license back and front. I received the email and I made copies of my DL as requested and sent. The company acknowledged receipt and said again I have to send a copy of my statement. I told them I dont access to my online account and there was no way to print the statement. 
I took pictures of my email statements notification and a copy of my credit card with my face showing on it and that was not enough for them. 
I had to write to the CEO at XXXXXXXX XXXX XXXX and XXXX complaining to him how his team are treating me like a criminal and refusing me access to my online account despite collecting my ID and multiple investigations and probing of me over the phone and since the XXXX of XXXX I sent the email to the CEO no response from him. This shows how he and his team treats minorities. I have been a loyal customer of this company for about 7years and never missed a payment for one day. If this company can treat me like a criminal like this what happens to millions of poor minorities that use this company.

I want access to my account and I want all the bad customer services and treating folks like me as a criminal to stop.
Consumer complaint received 2023-04-19
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (IL)

I opened a Marcus by Goldman Sachs savings account on XX/XX/year>. I funded the account with XXXX separate accounts on XX/XX/year>. XXXX of the initial funding deposits was for {$6400.00} and the other was for {$8000.00}. On XX/XX/year> the {$6400.00} deposit was returned to the funding account in which it came from. I called Goldman and asked why. They told me that my account had been closed and that the remaining {$8000.00} would be returned to me within XXXX business days. After that XXXX business day timeline had elapsed and I still had not received my remaining funds, I called them again. This time they said that my account was not closed, it was just locked. They unlocked my account, and I again transferred the {$6400.00} back into my Marcus savings account on XX/XX/year>. However, the funds were reversed again and sent back to the funding account on XX/XX/year>. The account was then formally closed on XX/XX/year> and I received formal notice of those closure. All interest I received on my funds were reversed on the day of account closure. There has since been the original {$8000.00} that I funded the account with on XX/XX/year> sitting in my closed account that has still not been returned to me. I have called numerous times over the past approximately 14 months inquiring as to why my account was closed and when I would receive my remaining {$8000.00}. I was never told why the account was closed. The first few times I was told that my funds would be returned within XXXX business days but none of those timelines have ever been met. The most recent times I have called they have told me they can not give me any timeline as to when my funds will be received. They also have not been able to give me any updates as to what kind of progress they have made on my inquiry.
Consumer complaint received 2024-10-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Thank you for your response to complaint XXXX. In your reply, you mentioned that an investigation was initiated, all communication regarding the account ceased, and credit reporting agencies were notified of the dispute. You also indicated that the required documentation from the original creditor has not yet been provided. 

While I understand that receiving validation from the alleged original creditor can take time, I am not obligated to allow an unverified and non-authorized account to remain on my credit report. Simply halting communication and notifying the credit bureaus that the account is disputed is insufficient. This account must be removed from my credit profile until proper validation is provided. 

Additionally, I noticed a discrepancy : you stated that the balance from the original creditor is {$740.00}, yet the reported balance on my credit report is {$740.00}. This is inaccurate reporting, which violates the requirement for precise and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

Once again, I am requesting the immediate removal of this incorrect information from my credit report. If this matter is not resolved promptly, I will escalate the issue to my attorney and explore legal action. I am keeping a paper trail of all correspondence and each credit report update/reage information.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

I was expected to receive an international transfer of XXXX ( EUR ) from a non-US company called XXXX. 

Per their suggestion, since my XXXX XXXX XXXX XXXX  does not utilize a XXXX code, I set up a third party banking service called Wise. The receipt that XXXX provided shows proof of transfer on XX/XX/year>. I have not yet received it and the Wise website does not show any existing or even pending transaction. 

I have reached out to Wise as of today, XX/XX/year>. But it is unclear if they've received my request at all as I have not received a confirmation email of any sorts that a complaint has been sent or processed.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

CREDIT BUREAUS EXPERIAN, XXXX, XXXX XXXX, XXXX XXXX  violating my consumer rights under FCRA law. I am a victim of identity theft and fraud, and have filed numerous disputes, as well as sent them a report from a Law Enforcement Agency ( FTC Identity Theft Report ). There is a fraudulent XXXX installment loan that does not belong to me, is completely unauthorized by me. They received a certified letter from me on the XXXX of XX/XX/2024, attached to this complaint, stating my rights under FCRA law and my right to exercise them ; to which they have ignored and stalled and blatantly refused to comply with.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXX XX/XX/2024
Consumer complaint received 2024-09-02
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-02
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-04
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX 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 2024-09-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.