davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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 reviewed my credit report and noticed an account that was not reporting accurately. Its showing XXXX late payment on an account that I have paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been paid late. I have attached a copy of my report to this complaint on the following date, XX/XX/year>. I am kindly requesting that you investigate this account and update this payment to reflect an on-time payment. Thank you for understanding and for your prompt action.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid 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 (CA)

I was in the process of filing a small claims case against merchant. The FTC website explained a charge-back dispute option which opens an investigation of merchant resulting in obtaining a rebuttal of dispute. A temporary credit was posted on my account and I began using it to continue my project which merchant delayed when they breached our contract. I faxed all requested documentation and I was assured investigation was under way. 
Within days of credit being applied to my account, it disappeared off my account and was reposted as a purchase on account. My credit scored tanked, my minumium payment went from {$89.00} to {$600.00}. My credit limit is {$5500.00}, my current balance is over {$8000.00} and swelled to over {$12000.00}. How is this possible? My credit usage went from 52 % to now 191 %. And this is literally in one statement period. Its debt creation, illegal and I'm now in financial ruin. I'm unable topay my minumium payment, late fees are accumulating, interest and now, no investigation I was expecting a rebuttal from was conducted and the bank claim of contacting the merchant was false. The time limit to dispute this charge has past. Why was the dispute even filed then? I'm XXXX, on strict budget and need help! Please and thank you..
Consumer complaint received 2024-09-10
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)

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following XXXX  XXXX accounts immediately as they are hurting my credit. 

Account XXXX Balance {$4500.00} Credit Limit {$3500.00} Passed Due {$4500.00} Charge off {$4400.00} Balance was charge off Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate Account XXXX Balance {$3700.00} Credit Limit {$2700.00} Past Due {$3500.00} Charge off {$3500.00} Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation.
Consumer complaint received 2024-09-10
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. (SC)

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. DO NOT INFORM THE CONSUMER TO CALL IN AND DISPUTE BECAUSE EXPERIAN DOES NOT ANSWER THE PHONE AND THERE HAS BEEN AN EXTENSIVE AMOUNT OF EVIDENCE TO SUPPORT CONSUMER 'S CLAIM. YOU HAVE ALL THE ACCOUNTS AND ALL DOCUMENTATION TO PROVE CONSUMER RIGHTS AND IDENTITY HAS BEEN VIOLATED. CONSUMER HAS MAILED NUMEROUS AMOUNTS OF DOCUMENTATION TO PROVE THAT ALL ACCOUNTS ARE FRAUDULENT, AND EXPERIAN WILL NOT ABIDE BY THE LAW AND REMOVE FRAUDULENT ACCOUNTS. EXPERIAN HAS IGNORE A XXXX C ( CANCELLATION OF DEBT ) STRAIGHT FROM THE COMPANY ITSELF AND THEY REFUSE TO REMOVE THIS ACCOUNT. IT IS FRAUDULENT. EXPERIAN IGNORES FTC REPORT WHICH IS A VIOLATION OF CONSUMER RIGHTS AS TO NO ACCOUNTS SHALL BE ON A CONSUMER REPORT AND A CONSUMER SHALL HAVE THE RIGHT TO PRIVACY. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. DO NOT " VERIFY '' FRAUDULENT ACCOUNTS THAT DO NOT BEAR WET INK SIGNATURE THE " XXXX XXXX ''. XXXX AND XXXX XXXX HAVE BOTH REMOVE FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. EXPERIAN HAS MADE SEVERAL VIOLATIONS AGAINST THE CONSUMER. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS XXXX  DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR XXXX REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. POLICE REPORT HAS BEEN MAILED CERTIFIED MAIL STATING FRAUDULENT ACCOUNTS ARE NOT CONSUMERS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX Rights XXXX. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM XXXX XXXX XXXXXXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-09-10
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)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-10
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)

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. 

Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-10
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. (TX)

I recently review a copy of my credit report and noticed an inquiries on my report XXXX XX/XX/year>. I did not authorize any inquiries into my credit report. Please investigative and delete.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizen 's Pay confirmed that funds were returned to them from two different lenders ( XXXX XXXX and XXXX XXXX ) due to a loan that a dental office ( XXXX XXXX XXXX XXXX ) took out fraudulently in my name. I filed a police report regarding this matter and received a voicemail from a supervisor at Citizen 's Pay named XXXX on XX/XX/year> at XXXX. This Supervisor requested that I call him back at XXXX. I called that same day and spoke with another representative who confirmed that there was a balance on my account of funds that were due to be returned to me. Citizen 's Pay owes me {$1200.00} and has not returned this amount. The representative who confirmed this requested that I email XXXX with the police report and informed me that I would hear back from a supervisor that same day. I emailed them on XX/XX/XXXX at XXXX with the police report regarding the fraudulent loan. I never received a response to this email and I never received a call back. I called Citizen 's Pay on XX/XX/year> at XXXX and again at XXXX. Their representatives claim that someone called me back on that day but I never received a phone call. I called again today and tried to reach a Citizen 's Pay supervisor but was transferred to 6 different phone numbers and told to wait on hold. I was then told a supervisor would get back to me either today or within 1-2 business days. After being on hold, one of the representatives hung up on me to avoid connecting me with a supervisor. It is clear that this company is trying to avoid returning the funds in the amount of {$1200.00} which it owes me.
Consumer complaint received 2024-10-01
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. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-01
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. (NM)

I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from TransUnion that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the XXXX 's commitment to consumer protection and hope for a swift resolution to this issue.
Consumer complaint received 2017-05-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (PA)

Purchased money order for  XXXX  at   XXXX   XXXX   XXXX   in  XXXX   XXXX   XXXX  l pa in beginning os  XXXX   2017   . I submitted it for payment to   XXXX   XXXX     XXXX  for payment and it was cashed on  XXXX   XXXX     2017 a nd came back. To them as ndf on  XXXX   XXXX     2017.  Talked yo wedtern union  4  or 5 times and they said it went through on  XXXX   XXXX   2017    and thats all the info they had. Ive tried resolve the issue with   XXXX   XXXX   and no one is allowed to talk to the accounting department. They tacked on an additional  XXXX  to what i already owed and now wint ship my medicine. They lied and told me someone from accou ti g left a message on  XXXX   XXXX     2017.  I calleled  XXXX   XXXX   2017 an d yhey said theyd call that day.  Todsy is   XXXX   XXXX     2017 a nd no call fro.  Accounting. Whats the big secrect because not even customer service has a number for them. I filed a complaint with them about it today. I never heard of a money order that bounced and i need help and a quick resolution. Western  union number is  XXXX . The money order number is  XXXX .
Consumer complaint received 2024-10-01
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-01
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. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

CBHV Reference # XXXX is reporting inaccurate information to the credit reporting agencies I have reached out numerous times through certified mail to this company to resolve this issue. I demand proof of this alleged debt specifically the physical contract bearing my signature, according to 15 USC 1692g ( b ), a debt collector shall send the consumer a written notice containing, amount of debt is owed to, and verification of the debt or copy of a judgement, according to Black 's Law Dictionary Verification Means : Confirmation of correctness, truth, authenticity, by affidavit, oath, or deposition. CBHV has not provided physical evidential documentation regarding this debt, but they have verbally communicated to the collection agencies the alleged debt is verified without providing evidence of the debt, amount owed, the original contract bearing my signature, I have no account with this company, nor am I or have ever been a customer, nor have I entered a contract with this company. Regarding my demand for proof, you have not supplied the demanded proof of the alleged debt, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15 USC 1692 ( a ) Congressional findings : you have violated me by invading on my privacy, for one having my personal information without my consent and furnishing information to third party agencies buying and reselling my information without my consent. If this reported information to the credit agencies is not removed a Lawsuit will be brought against your company. Further, because of the nature of these violation your company have committed against me, I'm asking for XXXX per violation. This is for your company causing distress, many missed nights of sleep and headaches. This letter is to serve as a formal complaint with the CFPB, FTC, Attorney General and the XXXX
Consumer complaint received 2024-10-01
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. (FL)

This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Consumer complaint received 2024-10-01
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Assistance Regarding Negative Verbiage on Credit Report Dear CFPB, I am writing to seek your assistance regarding an issue I have encountered with my TransUnion credit report. Recently, I noticed negative verbiage remarks associated with XXXX XXXX XXXX that has adversely affected my creditworthiness. As a result, I have been denied services that I rightfully qualify for. 

I believe this negative information is unjust and does not reflect my true creditworthiness. According to 15 U.S. Code 1681, it is imperative that credit reporting agencies uphold accuracy and fairness in their reporting practices. Inaccurate credit reports can directly impair the efficiency of the banking system and undermine public confidence. 

Given these circumstances, I kindly request your intervention in this matter. If TransUnion is unable to rectify the negative remarks on my credit report, I am formally requesting that XXXX XXXX XXXX be removed from my report, in accordance with the aforementioned law that emphasizes the importance of fair and accurate credit reporting. In the remarks section should also state paid and closed, also my attorney is aware of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely