davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (TX)

Hello, I've gone through my credit report recently and noticed there are a lot of fraudulent inquiries on it... I've reached out to all the credit unions to get them removed but they won't help. 

So I've reached out to all the companies and they've never called back, I'm really trying to fix my credit and these are really tanking it. Please see below for the final list : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Here is the only one that isn't fraudulent : XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-31
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. (LA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

According to FCRA 605B, it is required to remove any incorrect accounts from my credit report. Please review the documents, as some accounts are inaccurately reported. I should receive {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/XXXX Capital One ( XXXX XXXX XXXX XXXX, NC XXXX-XXXX ) took over our cabelas credit card. We've had nothing but issues with them since. I send direct payments from my bank to pay the bill. I've done this with all my bills and I've NEVER had an issue until capital one took over my account. They keep insisting they are not receiving my payments on time. I've never had any issues until capital one took over and now they take over two weeks to process my payments, in turn making my payments " late ''. I've called numerous times to fix with no help at all. I've tied to find out why we can't do a direct electronic payment to fix and I've been told they don't do that. I've also been told it was more than just my issue, it was an on going system issue with my bank and capital one and it was being sent to the correct department to escalate and resolve. 
XX/XX/XXXX we made a payment and it wasn't credited to my account until XX/XX/XXXX. ( Due date XXXX ). 
XXXX they charged me {$27.00} late fee. 
I called, they apologized because of their error and credited the {$27.00} back. 
All payments still taking two weeks to process, payments/ month 's overlapping. I made phone calls every month!! Brings us to a payment on XX/XX/XXXX, not credited until XXXX and imposed a late fee of {$38.00} on XXXX. XX/XX/XXXX i called and was told fee would be reversed because of their system issues with my bank. 
Same problems/calls in XXXX, they would send to management and straighten out and credit the late fee. 
XXXX still the same, i found a different way to pay directly online ( not through my bank ) payment was finally posted on time, no thanks or help from capital one. Still haven't reversed the last late fee. More calls to them, and now they are stating they will not reverse/ credit that charge. They stated it must be my bank problem, not theirs ... ... omg ... ... i hate capital one and their customer service and managers. I want the {$38.00} late fee credited back to my account like i was promised back on XX/XX/XXXX. My payments were not late, capital one chose not to post/ credit to my account until after my due date. Because it was coming directly from a bank and they said i couldn't guarentee when payment was actually received by them. They think they can manipulate me because i didn't personally mail out the check Omg, I've NEVER had any issues with anyone else, just capial one. They XXXX and i want the {$38.00} late fee revered immediately. Thanks for any help you may offer.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have made sure to pay this account on time consistently, avoiding any overdue payments. I don't understand why late payment remarks are appearing on my accounts. Based on 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-19
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. (FL)

I am filing this complaint because both XXXX and Experian are refusing to remove incorrect and unmailable addresses from my credit report. The addresses in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with my current or past residence and should be removed from my credit report. 

Additionally, both XXXX and Experian are reporting incorrect employment information for " XXXX XXXX, '' which is not and has never been my employer.

Relevant USC Codes : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports - This section stipulates that no consumer reporting agency may include incorrect or outdated information in a consumer report. The presence of these incorrect addresses and employment information violates this requirement. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - This section requires consumer reporting agencies to reinvestigate and correct inaccurate information in a consumer 's file. Despite my request, both XXXX and Experian have failed to correct the inaccuracies. 

3. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies - This section mandates that information provided to consumer reporting agencies must be accurate and complete. The refusal to remove incorrect addresses and employment information indicates a failure to uphold this responsibility.
Consumer complaint received 2024-05-14
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 XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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 2024-05-14
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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. (NC)

I recently reviewed my credit report and I noticed a lot of inaccuracies on my account. This account is hindering my ability to be approved for credit. I understand that the credit bureaus will investigate this account and ensure that there is complete accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2024-05-14
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 against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

Dear CFPB ; Over the last 48 hours, my debit/checking account received six overdraft charges totaling {$190.00}. Upon noticing the problem within the first 12 hours, I immediately contacted this credit union to ask for a waiver or reduction of fees. I also deposited earnings from my food delivery job, and knew that a deposit from days earlier was already coming via ACH. Today my balance shows a positive {$120.00}, which would be up to {$310.00} if the fees had not been charged. 

My email and calls to them were discouraging. They explained they could not help me at all. Finally on a second call, they stated that they would remove {$32.00} of the {$190.00} if I deposited {$170.00} to the account today. This is after explaining as much as I could about how I was trying to fix the problem and that this amount of fees is an extreme hardship at my current low employment level. I'm on food stamps right now. It's completely my fault for causing the overdraft, but I expected way better from my local credit union and really wish they could have shown more grace.
Consumer complaint received 2024-05-14
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-07-21
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: Experian Information Solutions Inc. (PA)

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like XXXX, XXXX and Experian.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Consumer complaint received 2024-05-14
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. (CT)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019, I was notified through credit monitoring that Capital One reported that I owed a balance of {$1700.00}. The account being referred to was settled in full on an agreed upon settlement. I initially filed a dispute because of this false reporting that Capital One was doing. Eventually, Capital One reported the account at a {$0.00} balance. After the notification, I contacted Capital One representative that is already working a case that I have filed due to the same dispute about the issue. I was advised that because a dispute was submitted that the balance was placed back onto my XXXX  account. Why would they maliciously place a balance back onto my credit report after already noting the balance at {$0.00}? This makes absolutely no sense. Furthermore, the balance being reported is an incorrect difference between the settled amount and the amount that would have been remaining if Capital One did not agree to the settlement offer they provided to me. I do not owe Capital One anything on this account. They have significantly caused me damage in that my score dropped 28 points and I was no longer able to finance a vehicle and I am in the process of trying to buy a house! On top of them reporting this balance, they reported that I had been late on the payments for the last three months! I paid this account off at the end of XXXX! 
After contacting the account representative, there is still no progress in them fixing my report. 
I work at an agency that requires good standing with all credit accounts. This malicious reinstatement could potentially cost me my job as well. 
I have worked very hard to get all of my debts resolved and paid off to do something like this in retaliation is beyond me!
Consumer complaint received 2024-05-14
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. (CT)

I recently reviewed again my XXXX, XXXX and Experian credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-14
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (MS)

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

TN CHILD SUPPORT XXXX {$59.00} XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX {$120.00}
Consumer complaint received 2018-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (AR)

Avante USA has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Avante USA provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Avante USA has failed to provide any original copies of verification obligating myself to this debt. Since Avante USA has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Consumer complaint received 2024-05-14
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-14
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-05-14
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.