davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX has sent over my account to collections ( XXXX XXXX XXXX ) and is saying I have unreturned equipment which was returned to XXXX. I also received multiple refunds in regards to the return of the equipment. I have been trying to take care of this matter over a year and XXXX is refusing to give me my account information to verify anything because they said my account is cancelled. The information the collection agency was given is inaccurate since the equipment had been returned. XXXX sales person offered the equipment and claimed I would have discounts but I was mislead and returned the phones. XXXX is claiming they don't have the phones but its been over a year and they said they won't even contact the carrier to see where the devices could be. I have tried to dispute this with the reporting agencies but it has been no help.
Consumer complaint received 2023-09-11
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: CITIBANK, N.A. (CA)

I had previously submitted transactions for dispute for over XXXX transactions, in XXXX XXXX. My credit card ( ending in XXXX ) information was stolen in XXXX and upon noticing, I closed the card and filed disputes in XXXX. Most of them were finally credited. However, there are many that are still under investigation and it has been almost XXXX days since the transaction and more than XXXX billing cycles! They had assured me it wouldn't take more than XXXX billing cycles. These transactions are by a merchant called XXXX. They were in sterling currency and done in a different country outside of XXXX. I live in california and have not traveled to XXXX or any XXXX country. The issue is that I submitted for a dispute in XXXX. Since then, there has been no movement on the investigation for the XXXX purchases. I explained multiple times that I did not leave the country and can provide proof. Moreover, you can easily see its fraudulant because there were other charges ON THE SAME Day in california ( where I live ). This should have been an immediate alert. I called them multiple times asking for updates. Most recently, I called them on XX/XX/XXXX and they still haven't completed the investigation. 

I submitted dispute XX/XX/XXXX and XXXX and am STILL Waiting for a resolution. These charges were made WITHOUT MY AUTHORIZATION and by a hacker. I do not live or have travelled outside of country. 

The transactions that are still under investigation include : - XXXX in XXXX for amounts of {$530.00} ( XX/XX/XXXX ), {$310.00} ( XX/XX/XXXX ), {$580.00} ( XXXX ), {$310.00} ( XXXX ) Citi has been nonresponsive and refuse to tell me why these are still under investigation. I have provided them ample information and answered all their inquiries, but the transactions are still under investigation. They asked me more questions about these transactions and I answered them with the security team. I was informed that they are still trying to reach vendor but its been months! This is very XXXX inducing given the amounts of the transactions. They were in a foreign currency and that should have been flagged, ESPECIALLY since I was making transactions in California on the same day that a hacker was using my card in XXXX and other countries. Clearly, fraudulent and still no resolution. I have called multiple times and spoke to security center managers and supervisors, with no information to help ease my mind and finish the investigation.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-09-12
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX XXXX {$790.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I had previously set up a user name and password with experian.com. We set that up so that I could freeze my account after being notified of a breech. 
Today, we wanted to unfreeze my account so a mortgage lender could get a report. I used my same user name and password ( I keep this on an XXXX spreadsheet ) but it said that it was the wrong password or user name. I chose the option to reset password. To do this, I needed to put in my birthday and social security number. I absolutely know those XXXX pieces of information but it said " wrong information. '' I tried several times and then tried to " reset another way '' at which time it asked me who my favorite teacher was. I never had a favorite teacher so I would not have chosen that question. 
I tried to call experican to get help getting into my account. There are no representatives regardless of which option is chosen. I tried several numbers listed on the internet with no luck- all go to the same recording.. 
I need to get a call from technical support from experian to be able to log into my account. Can you help with this? 
Thanks
Consumer complaint received 2023-09-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$400.00}
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jon Barry and Associates, Inc. (TN)

Paragon Revenue Group DBA Jon Barry & Associates , Inc. 
XXXX XXXX sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer ... ... ... ... ... ... ... ... ... ..... I XXXX XXXX had NO transactions completed between me and Paragon Revenue Group DBA Jon Barry & Associates, Inc.I do not know them.
Consumer complaint received 2024-09-11
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. (MO)

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : XXXX XXXX  XXXX ACCOUNT XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 
After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 90 Day Credit Experts (CA)

I reached out to 90-day credit back in XX/XX/2023. They have not complied with anything on the contract. Then told that I am not paying a company ( XXXX XXXX ) paying XXXX a month that they are in bed with. I had no idea that I had to pay this company as well. I have been paying 90-day credit for 5 months {$150.00} a month ), and I have sent them emails, made phone calls, and left messages. They have not done anything that their contract has stated. I refused to pay them another dime, so I blocked them from my credit card, and they sent me a message stating : Hi XXXX XXXX, this is 90 Day Credit Experts. We were recently notified by your bank you disputed our payments. We will be sending your bank the contracts you signed to reverse the disputed payments. Your account will be sent to a 3rd party collections agency and legal efforts will be made to collect the debt. You will receive a letter in the mail within 30 days if you have any questions contact the number on the letter.

I have not received a letter or a phone number, this was an email.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

I had 3 accounts open with chase bank, 2 savings and 1 checking account. I had no idea my account was restricted/closed until I tried to use my debit card to purchase my XXXX When I called, I was told that all 3 of my accounts had been closed permanently and I could go into a branch to withdraw my funds. I went to the bank in person and they told me I couldnt actually do that I have to wait until the account is completely closed before I can do that. So now the money in my accounts are completely frozen, I cant access my own paycheck to pay bills or purchase the medication I need as a XXXX When I asked for a reason why my accounts had been closed and restricted, they wouldnt tell me why just that they would be closed permanently when Ive never had any problems with this bank Ive had this accounts for almost 3 years. So not only is it totally cruel to not even tell someone their account is closing ( I didnt receive a formal notice until a week later via mail ) and I had to find out while swiping my card but it is completely unacceptable to not even give a reason why. My money is frozen there while I wait for them to send me a check that has not been sent and no one can tell me for sure why it was closed or when I will receive access to my phone so I cant get my medication. Its so terribly cruel and unfair I cant believe I ever banked with them
Consumer complaint received 2024-11-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy FCU approved my hardship request to prevent my account from being reported XXXX or more days past due but did not process it until my account was reported XXXX  days past due. 

On a recorded line, I informed Navy FCU that I am experiencing financial hardship due to total permanent XXXX and requested to be placed in a hardship plan in XX/XX/year> prior to my XX/XX/year> payment becoming XXXX or more days past due. An automatic payment, which I didn't approve, was debited from my bank account on XX/XX/XXXX which brought my account current, even though the payment was returned by my bank for insufficient funds. The representative approved my hardship plan request but would not process it until Navy FCU 's system registered my XX/XX/XXXX payment as returned. His delay in processing my hardship plan enrollment caused my account to be reported XXXX or more days past due. 

He should have processed my hardship plan enrollment the day I requested it and it was approved. That would have prevented any adverse reporting to the credit bureau 's.
Consumer complaint received 2024-09-14
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-09-11
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. (DE)

In accordance with 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-17
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. (VA)

I was advised by student aid that my identity was compromise, and use to access my account. As a result, they did suspend my account and currently I do not own a student aid account. I have disputed this information multiple times, and attached the verifying email that was sent to me. 

XXXXXXXX XXXX has not remove these accounts, which came from no transactions, made by me with my Social Security number I have been a victim of identity fraud multiple times.
Consumer complaint received 2024-07-17
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. (IN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-11
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-07-17
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2024-07-17
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. (NY)

On XX/XX/XXXXXXXX XXXX XXXX XXXX I made a payment to my loan account and prior to that I made a payment not sure what date. That was rejected by XXXX, they stated that happened because my account was closed. My account was and is currently opened I have statement that i can submit if needed. This issue caused me to receive a " 30 day late '' remark on my credit report which will damage future chances of credit approval. 
I would like for XXXX to remove that 30 day late remark from my credit report which is no fault of mines. 

Ive also having same issue with making payment to my XXXX credit card using external account