davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (VA)

The XXXX redirected this complaint to the CFPB. On XX/XX/2024, I attempted to charge my PenFed credit card less than {$100.00} to renew my XXXX registration and was wrongfully declined. My attempt to obtain redress from PenFed directly failed. Since my account is and always has been in good standing with {$5000.00} available credit line, the only explanation I can consider at this time is that PenFed unilaterally changed the terms of my account without notice.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (FL)

A technician approached our home at XXXX XXXX XXXX XXXX XXXX XXXX. 

He introduced himself to XXXX XXXX at the time who was my significant other. He sold the alarm system to XXXX, upon arriving home from work, it was stated I would just need to confirm on video that I was accepting to the terms and agreement, at which time I asked what they were. 

The representative said, oh, this is for the equipment for the cameras installment loan they do a credit check nothing appears on your credit at all. 

Within 3 days of the installation of the cameras we cancelled.- I would need to verify this date for you.

They came back out with technician changed a camera in our systemn ( front living room door area ) wanted us to try it and following that they gave us 30 cancel guarantee Prior to 30 days we cancelled the service and were told we could not. 

Then a technician came to our home and stated our area was not serviceable. 

On XX/XX/XXXX @ XXXX XXXX-placed a call to their customer service and no one responded or called back after leaving a message XX/XX/XXXX XXXX XXXXXXXX XXXX closed and the call hung up on me Called their corporate location XXXX number listed and spoke to XXXX whom said their was no manager who could help me and then I asked for a number to their corporate office that handles complaints and he said there was none XX/XX/XXXX XXXX called requesting payment of {$250.00}. I told the rep I do bot even have the service therefore I am not paying for it and what would this take to resolve this as they are negatively affecting my credit. 

I was told it would take {$1700.00} to buy out the equipment which is the remaining of the buyout fees at 50 % The account for Fortiva is a fraudulent company. Originally it was AN INSTALLMENT LOAN AND to be a soft credit check and now they have reported this to my credit as a charge card maxed out in full. Now its a charge off. This is a significant issue and violates the Federal Credit consumer laws. 

They have falsely misrepresented themselves and I have never received their services nor utilized them. Numerous attempts have been made to the company no one will call you back, in addition made an online complaint and was not contacted back. 

Tried to get management and upper management involved, would not provide me any of that information. 

Please note read the complaints on the web- company has been sued for fraud! 

The credit companies will not assist me and this needs to be removed immediately or I am getting a lawyer. 

PLEASE ASSIST
Consumer complaint received 2024-05-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute certain information on my credit report related to the account with the following details : XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$73000.00} XXXX. XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : {$700000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} I want to bring to your attention that the inaccurate reporting stems from the bank 's inability to send me the proper statements. I have communicated this issue with the bank, and they have acknowledged the problem and agreed to correct it. I am requesting that the status of this account be updated to reflect one of the following : " Open/Never Late '' if the account is still active and has never been late. 
" Closed/Paid as Agreed '' if the account has been paid in full and was always paid on time. I believe that the current reporting does not accurately reflect my credit history with this creditor. 
As per our records and the acknowledgment from the bank, there should be no late payments associated with this account.
Consumer complaint received 2024-01-05
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-09
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. (TX)

I am writing to address the ongoing issue regarding charge off accounts on my credit report and to make my fifth attempt to rectify this matter. Despite my previous attempts and providing substantial evidence to support my claim, the charge off accounts persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the accuracy of the credit reporting system. 

I request that you conduct a thorough investigation into these charge off accounts and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these accounts in my credit file : 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

XXXX Inquires never requested by me. Letter Sent to XXXX XXXX XXXX XXXX for removal still not successful. XXXX XXXX, my car was sold and paid in full with XXXX balance still shows a negative remark and balance and looks like its credit and not a car loan. Needs to be removed completely.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

My formal complaints are against Bank of America and XXXX. 


In XX/XX/XXXX, I left an XXXX  marriage. We had first been together in XXXX and married in XXXX. 
A large part of the abuse was financial, as he took control of all financial accounts and limited my access to funds and knowledge of the statuses. 

When leaving the marriage with my XXXX XXXX  children, I was ecstatic to be able to go and open my bank account at my previous banker- Bank of America. ( XX/XX/XXXX ) However, when I went to do so, I learned of an outstanding balance. Despite limited funds, I resolved the balance with the understanding that this would allow me to open an account. 

However, it did not because my account had been flagged for fraud. 
It was at that point, I was told it would take 90 days for it to be removed from XXXX, but that also was not true. 

Over the past 4 and a half years I have submitted multiple disputes with XXXX for the flag preventing me from opening an account be removed. 

XX/XX/XXXX & XXXX of XXXX, it has been disputed again. 

This does not include or limit the amount of phone calls I have made to both chexsytems and Bank of America. 

Being bounced from Risk & Fraud to Collections to multiple drop calls. 

The dates of when it would be removed have varied from 90days, 2years, the new year of XXXX and now as of XX/XX/XXXX. 

XXXX insists they need a letter from Bank of America stating it can be removed. 
Band of America insists they can do nothing. 

Both financial institutions have apologized for the " inconvenience '' by the customer service team and supervisors. 

XXXX was another account in which I was notified of, paid and were happy to send a letter to XXXX stating it should be removed. 

In these disputes I have provided proof of payment, proof of the divorce decree and evidence of the financial abuse as well as a police report. 

The act of keeping this marked as a fraud, the refusal to acknowledge despite a continuing act of financial abuse from the financial reporting institution XXXX and Bank of America.
Consumer complaint received 2024-01-05
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. (AR)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 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
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am perplexed by the slow process of your investigation, especially when other credit bureaus have promptly addressed similar disputes. I am a victim of inaccurate reporting, and I have diligently followed the proper channels to rectify the situation. The delays in the investigation process are causing additional harm to my financial well-being and mental health. 

XXXXXXXX XXXX XXXX -PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX  XXXX XXXX-dismissed Reference # : XXXX -PLEASE DELETE!!! 
I am confused as to why the other credit reporting agencies have promptly addressed similar disputes while your bureau seems to be ignoring my requests. I request that you expedite the investigation of my dispute and promptly remove the inaccurate information from my credit report.
Consumer complaint received 2024-01-05
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. (AZ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I woould like for all of my of my information on my credit report to reflect the correct name, address, social security number, phone number. 

I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. 
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. 
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. 
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. 
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. 
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Consumer complaint received 2024-01-05
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. (NC)

report number XXXX EXPERIAN REPORT ACCESS collections on my credit report showing are not MINE THIS IS A RESULT OF IDENTITY THEFT THESE ACCOUNTS DO NOT BELONG TO ME AT ALL. 

XXXX XXXX XXXX  OPENED : XXXX BALANCE : {$740.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXXALANCE : {$790.00} XXXX XXXX  OPENED : XXXX  BALANCE : XXXX. CLOSED {$220.00} WRITTEN AGREEMENT PERSONAL INFORMATION ON MY CREDIT REPORT IS TOTALLY INCORRECT THE ONLY NAME ON THERE SHOULD BE XXXX XXXX XXXX THE ONLY ADDRESS SHOULD BE XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2024-01-05
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. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 2024-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

It has come to my attention that despite my numerous attempts to dispute the account listed below, they still remain on my credit report. Your lack of action in this matter has left me extremely frustrated and angry. XXXXXXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$32000.00}. It is unacceptable that your response to my previous disputes regarding this account was that they were " previously investigated ''. This response is not only inadequate but also shows your lack of concern for my legal rights. I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), each time a consumer reporting agency receives a dispute, it is required to reinvestigate the dispute free of charge and record the current status of the disputed information or update the item from the file within 30 days. Failure to do so is a violation of the FCRA.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I opened a new checking account with Capital One, after about a week of having the account open the account was frozen after I made 2 transactions through XXXX ( XX/XX/2024 ). On my capital one app it stated " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I proceeded to call and I answered all their questions, submited an ID for verification, but they said " based on your answers were going to close your account and your funds will transferred to your bank listed on the account or a check will be emailed. '' My balance was close to XXXX so I assumed the account was going to be fully closed in a short amount of time, I tried to get my direct deposit switched back to my original XXXX account as soon as capital one told me that but my next two checks ( {$3200.00} ) were still accepted to the capital one account, without the option to use the money or transfer it. Ive called capital one numerous amount of times and all they can help me with is " I will write on the notes that you called but your funds will be transferred once the investigation is complete '' As of today XX/XX/2024 I still haven't received my funds and have paid hundreds of dollars in late fees and overdraft fees across my XXXX checking credit cards and my rent. I'm 2 months overdue on a Capital One credit card which is effecting my credit.
Consumer complaint received 2024-01-05
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 a payment plan through XXXX with the merchant XXXX XXXX. The loan was supposed to be adjusted due to a return I made to the merchant. I notified XXXX that I contacted XXXX XXXX in regards to getting the loan adjusted. XXXX XXXX was unresponsive for about a month. 

I solely paid all XXXX payments on time, so that my credit would not get effected. I then issued a charge back with my bank for the last payment on the loan for the amount of {$150.00}. That was the amount that needed to be taken off of the loan in regards to the return I made. In XXXXXXXX XXXX system it shows that I did not make the last payment. I was only intending to be properly compensated. I have an email confirmation confirming the last payment being made for this loan. 

XXXX XXXX reached out to me issuing the refund back and when I went to pay the last payment once more there was not an option to do so via the XXXX XXXX. The loan showed that it was all squared away on the App. I then received an email about a late payment again and I paid the final payment. 

I will attach supporting screenshots of emails with dates to help identify in a timely manner.