davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (CA)

I had XXXX cars purchased under my name fraudulently without my knowledge or permission and the XXXX bureaus keep saying verified refusing to remove even after Ive spent hours on phone explaining these are fraud XXXX loans with XXXX {$96000.00} and {$180000.00} and the XXXX with XXXX  XXXX XXXX for {$87000.00} this is illegal for them to report and not remove my reputation my name my good standing in the community and my rights to a good job are being prevented all bc of their inadequate actions to remove these XXXX accounts
Consumer complaint received 2024-09-16
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. (CA)

On XX/XX/year> I discovered I was part of a data breach and decided to freeze all 3 credit reporting accounts. I googled Experian credit freeze and ended up on the Experian site, where they list a number to call to freeze your credit. I called the number XXXX XXXX XXXX  and a woman answered and she asked all the relevant info i.e. social security number DOB, etc. and suddenly I realized she was not from experian but from another company called Consumer Information Bureau and was trying to sell me credit protection and I had just given her all my relevant information! I called experian to let them know that they are misleading customers and sending them to a third party who we are unknowingly giving all our important info to. This can't be legal? OR? This is also a company that is not only poorly reviewed but there are online comments that this is a scam! On the Experian site! 
I called Experian and was put on hold 3 times for 15 minutes each, as if they were trying to help me, at which point a new person would answer and had no idea what I was talking about and I had to start all over again. I never got through to anyone to get this resolved.
Consumer complaint received 2024-09-16
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 DISPUTED A NAME ON MY CREDIT REPORT WITH EXPERIAN AS " XXXX XXXX '' IS NOT MY NAME. EXPERIAN CLAIMS THEY OPENED AN INVESTIGATION WHICH ALL OF A SUDDEN NOW THE COMPANY HAS ONE OF MY ALIAS " XXXX XXXX XXXX '' I KNOW I DIDNT OPEN MY NAME WITH THAT ACCOUNT EXPERIAN AND THE COMPANY JUST PUT IT BECAUSE I HAVE AN ACCOUNT WITH MY BANK USING MY FULL NAME. I CONTACTED THE COMPANY ASKING FOR A COPY OF THE APPLICATION AS I KNOW THE EXPERIAN INVESTIGATION WAS NOT CONDUCTED CORRECTLY. THEY REFUSED SAYING THEY DO NOT HAVE THAT INFORMATION. THEREFORE THEY CAN NOT VALIDATE THE DEBT. THEN WHEN IM ALSO LOOKING AT EXPERIAN THE DEBT SAYS WRITTEN OFF BUT COMPANY SAYS NO EXPERIAN DOESNT HAVE THE INFORMATION RIGHT. WELL THE INFORMATION THE HAVE WOULD BE WHAT THE COMPANY PROVIDED. I WOULD LIKE THIS REMOVED FROM MY CREDIT AS THERE ARE TOO MANY INACCURARIES AND THEY CAN NOT PROVIDE THE APPLICATION. I DO HAVE A SCREENSHOT OF THE INACCURACY
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION (UT)

I am filing this complaint against XXXX, a division of Fifth Third Bank, for a willful violation of the automatic stay in my Chapter XXXX bankruptcy. I filed for bankruptcy in the XXXX XXXX XXXX Utah on XX/XX/2024, due to financial difficulty, and XXXX was listed in my creditor matrix. Through the electronic court system, creditors such as XXXX  are automatically notified of the bankruptcy filing via the XXXX XXXXXXXX XXXX ( XXXX ). 

On XX/XX/2024, I sent XXXX an email informing them of my bankruptcy and the automatic stay, and I specifically instructed them to cancel the scheduled automatic withdrawal for XX/XX/2024, as processing this payment would violate the automatic stay. Email has been the only established form of communication between myself and XXXX regarding this account, and I made it clear that any withdrawal would be a violation of federal law. Despite this, XXXX proceeded with the withdrawal of {$200.00} on XX/XX/2024. 

XXXX had full knowledge of the automatic stay and the fact that they wrongfully withdrew funds, yet they chose not to take any corrective action or refund the amount immediately, even though they could have done so at any time. They only initiated the refund process after I contacted them on XX/XX/2024, which highlights a deliberate choice to delay rectifying the violation. 

Violations : Violation of the XXXX XXXX ( 11 U.S.C. 362 ) : XXXX action of withdrawing {$200.00} after receiving notice of my bankruptcy constitutes a willful violation of the automatic stay under 11 U.S.C. 362. Their knowledge of the stay and failure to act promptly to refund the money shows a reckless disregard for bankruptcy law. 

Creditors, including XXXX were automatically notified via the XXXX. Their delay in refunding the money, despite being fully aware of the violation, entitles me to actual damages, punitive damages, and legal costs as allowed under 11 U.S.C. 362 ( k ).

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692e and 1692f, XXXX actions in continuing to collect a debt after the bankruptcy filing constitutes an unfair and deceptive practice. 

Potential Violations of Utah XXXX XXXX : XXXX failure to return the funds promptly XXXX also violate Utahs Consumer Sales Practices Act ( Utah Code 13-11-4 ), as they continued to engage in unconscionable practices by withholding my funds after being informed of the automatic stay.
Consumer complaint received 2024-09-22
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 (GA)

I made a reservation thru my capital one travel card, which uses capital one travel that is a third party, although this was not clear to the consumer. I booked a hotel to travel for a concert. The concert was cancelled the night before. I immediately tried to cancel this charge thru capital one travel, their site said contact the merchant. I then called the hotel directly, I was told they would not charge me and the reservation was canceled at no charge to me. I never received an email and I have called the hotel and the credit card company multiple times for several hours. The hotel says it was their error and they are happy to make it right but per their policy the " third party company '' that is capital one has to contact them. I have provided a direct number to capital one on multiple occasions, they will not use the number provided and claim they can not reach XXXX. The dispute department will also not file a dispute and the online dispute claim will not allow me to process a dispute, it freezes each time, I have tried multiple times and never had this issues before. I have spent over 3 hours on the phone between the two agencies with no resolution. This feels fraudulent and honestly predatory at this point. 

Thank you for your time and assistance. Please let me know any documentation that may be needed from me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX I am filing this complaint because I am a victim of identity theft. Unauthorized accounts and transactions have been opened in my name without my knowledge or consent. These fraudulent activities have resulted in the following inaccurate items being reported on my credit report : The fraudulent activity includes the following items : An Account Opened at XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX. 

Nature of Complaint The presence of these items on my credit report is in direct violation of my rights under multiple federal laws. Specifically : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to have these fraudulent items blocked from my credit report within four business days of notifying the consumer reporting agencies. These agencies have not complied with this requirement.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. The continued presence of these fraudulent accounts demonstrates a failure to verify the accuracy of my credit report. 

XXXX XXXX ( 15 U.S.C. 6802 and 16 C.F.R. 313.7 ) : I am exercising my right to opt out of the sharing of my personal information. Despite this, these accounts continue to be reported without my verifiable consent.

Privacy Act of 1974 : The mishandling of my personal information, leading to the erroneous reporting of these accounts, infringes upon my right to privacy and the protection of my personal data.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX I wrote a check for {$19000.00} to XXXX XXXX using an account with XXXX XXXX. Several days later XXXX XXXX contacted us and said their bank, Bank of America, said the check was no good and had been returned. I checked the account balance to verify funds and then contacted XXXX to ask why they returned the check. XXXX checked account and said no check had been received, there was nothing in our account that showed a returned check or that any check had been received. 

I contacted XXXX XXXX who verified BOA stated the check was bad. We explained the check had never been sent to XXXX by BOA. XXXX  XXXX then stated BOA said it was and invalid check. I contacted BOA and they confirmed it was an invalid check and they hadn't processed it because it was no good. 

I got certified check for XXXX XXXX but this was very embarrassing and I still have no idea why BOA determined the check was invalid.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (AL)

XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$220.00}, {$200.00}, {$200.00} XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Amounts : {$930.00}, {$930.00}, {$930.00}, XXXX  XXXX, Date : XX/XX/XXXX, Amount : {$250.00}, ELAN FINANCIAL SERVICE, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$3500.00}, XXXX, XXXX XXXX XXXX, Dates : XX/XX/XXXX, XX/XX/XXXX, Amounts : {$880.00}, {$880.00}, reported by XXXX, XXXX, and XXXX. 3 Bureau Credit Report Attached as verifiable evidence of multiple charge off under same social security number account that is Certified, and Listed as Decedant Account, duplicate Account charges, and unauthorized Inquiries, hard and soft. Account listed as vast XXXX XXXX. Owner and XXXX XXXX XXXX XXXX XXXX ] : XXXX XXXX.
Consumer complaint received 2024-09-16
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. (TX)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Kroner PLC (VA)

The company is trying to sue for the full amount when Ive been paying on the debt. They have not sent me statements about what the current total is either. They simply submitted the summons for the full amount which is not right since I have been paying on it so the balance should be lower than what they submitted to court. Overall The paperwork shouldve never been submitted in the first place. I never received a notification nor a balance due statement.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently received a statement from Capital One for the credit card I have with them. The statement had {$100.00} of fees and {$10.00} of interest charges along with the {$100.00} of purchases I had made. The issue I have is that this was the first statement I received. When I contacted them I was told that my statements were sent electronically to my email. There are no statement in my email and I never asked for electronic statements, preferring hard copies and a filing cabinet. I have never asked for electronic statements from any place that I do business with. When I complained about the fees to Capital One they removed XXXX month 's fees ( {$40.00} ). I do not use credit cards and this one has not been used for several years. I used it because car rental companies demand a credit card, not accepting a debit card. I don't know how, why, when or who decided to switch my account to paperless but I am sure it wasn't me. The statement should have been mailed, it would have been paid promptly. The fees charged to me should be removed and the company should initiate a policy to send electronic and paper copies to fairly stagnant accounts and should stop switching accounts to paperless without written permission.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (MI)

As of XX/XX/year> a debt collection has been reported to the credit reporting agencies causing a derogatory statement on my personal credit report. XXXX Resource Management has listed a collection for {$570.00} as account # XXXX. I dispute this account and request that it be removed immediately. In accordance to 15 U.S. 1692g my right to validate this debt by receiving the original contract from the creditor and full payment history along with any insurance claim pertaining to it as well as the chain of title to the debt, was violated.

Credence Resource Management does not have authority to furnish any account information to consumer reporting agencies without adhering to the regulations mandated by law therefore I demand this issue be resolved by removing all derogatory information from credit report immediately.
Consumer complaint received 2024-09-16
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. (MI)

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 2024-09-16
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (MI)

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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-28
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. (NY)

THIS INQUIRY IS NOT MINE AND THIS ACCOUNTS ISNT MINE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5000.00}