davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (VA)

Im a user of NetSpend prepaid card. I got an email from XXXX at XXXX XXXX on XXXX XXXX. The title is Important Information Regarding Your Account REF # XXXX. I attached this email history in this complaint. The email asked me to call compliance department at XXXX. I called 5 times on Tuesday, 7 times on Wednesday, 2 times on Thursday. Nobody answered my call. I left multiple voice mails with my phone number. However, I didnt get any reply afterwards. I also got another email from XXXX at XXXX XXXX on XXXX XXXX. This email also asked me to contact NetSpend, but at a different number XXXX. I did call this phone number ( NetSpend customer service ) twice on Tuesday, once on Wednesday and twice on Thursday. All representatives confirmed I need to talk with compliance department directly because they have no other information about my case. But there is no direct number. They can not help me and I have to wait for call back from that compliance department. There was a fax number as well. But its not available for all days whenI send fax. Basically I did my best to reach NetSpend but get rejected all the times. I got a email from XXXX on XXXX XXXX on XXXX XXXX with a title Account Issue Resolved. Right after the email, I got another two emails from XXXX on XXXX XXXX on XXXX XXXX with a title Account Issue - Contact Customer Service. It asked me to contact XXXX immediately. I called this phone number on XXXX XXXX on XXXX XXXX. The representative checked my account and told me my account is closed for gambling activity. I deny this accusation but she can do nothing. She can not transfer me to any supervisor or corresponding department. So I got no other option but submit this complaint to CFPB. Obviously, NetSpend make unresponsible requirement and refuse communication at all. I didnt get any chance to talk with anyone indeed. Additionally, I dont get involved with any gambling activity. This is unreasonable and unfair treatment.
Consumer complaint received 2024-04-19
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. (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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX  : XXXX has violated my rights. 


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 2024-04-19
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX 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 2024-04-19
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. (TX)

I filed a complaint with CFPB because I had incorrect information on my credit report and demanded its removal. An investigation was conducted, resulting in the partial removal of the incorrect inquiries ; however, not all incorrect inquiries were fully removed. I have previously disputed the following inaccuracies directly with XXXX XXXX on XX/XX/XXXX, EXPERIAN on XX/XX/XXXX & XXXX on XX/XX/XXXX, providing supporting documentation and requesting that they verify the accuracy of the information. Despite my dispute, the inaccuracies remain uncorrected on my credit report. 
I am requesting the Method of Verification for the following disputed account ( s ) : Specifically, as it relates to credit inquiries that I did not authorize : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Moreover, it has caused undue stress and financial harm. 
Violations : I believe XXXX XXXX, EXPERIAN & XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable investigation into my dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) for providing inaccurate information to the consumer reporting agencies and failing to investigate my dispute.

Section 604 ( 15 U.S.C. 1681b ) for furnishing information without a permissible purpose.

This unauthorized access to my credit information directly contravenes the Fair Credit Reporting Act, specifically Section 1681b ( c ), which distinctly upholds individuals ' rights to privacy and restricts the sharing of information without explicit consent. The absence of my explicit approval for these inquiries constitutes a breach of privacy and potentially fraudulent activity.

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Its illegal to report transaction history pursuant to FCRA Section 604 ( a ) & 15 U.S.C 1681b ( a ).

I do not wish for the inquiries to be removed entirely ; instead, I want the information to be updated, and the negative inquiries to be adjusted to positive, as agreed upon in the credit report. I opt out of any authorization given to report my information to a third party without my consent. 
Furthermore, I suspect that the above listed Credit Reporting Companies did not complete a thorough investigation, because XXXX XXXX XXXX XXXX XXXX filed a civil case against my PERSON in XXXX, that later ended in the matter being dissolved and disputed. Also, I would like documentation/proof of an existing contract or purchase order confirming any service with XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-08-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have literally tried to use this amex gift card everywhere and the only place that would accept is XXXX and have nothing more to buy there so want amex to cash out since they advertise that these are accepted anywhere amex is accepted which is bogus or in the alternative I am asking the CFPB to disallow AMEX from stating these gift cards are good anywhere AMEX is accepted. I filed a XXXX  complaint and they do not provide anyone to speak to and they responded stating these gift cards may not be able to be used for cash out and or online if online retailer does not allow split transaction. This does not answer why I have been unsuccessful at using in store as well. I also find it crazy that even if you can use to buy items it is almost next to impossible to get the final remaining small amounts off of these gift cards so I would love to know where all of those funds go if they are never used?
Consumer complaint received 2024-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Our mortgage documents state that we are only XXXX XXXX and not property taxes. I paid our taxes to XXXX XXXX, IL on XX/XX/XXXX. When I logged on to pay our mortgage payment by XX/XX/XXXX, on XX/XX/XXXX our mortgage servicer, XXXX financial, paid the property taxes as well. Despite the mortgage stating to the contrary. 

I called the servicer to ask what was going on, and I filed a XXXX on the website. The customer service agent I spoke to on the phone seemed to understand the situation and stated that it would be removed by XX/XX/XXXX. 

We received a letter in the mail on the XXXX stating that they had denied our request due to the length of the loan being open. I called the customer service line again on the XXXX to clarify. They informed me that because the loan had not been serviced for over XXXX  months, they could not remove the XXXX XXXX. I informed them that all I wanted was XXXX to reflect our mortgage documents and that we were not XXXX XXXX XXXX because in IL, substantially XXXX veterans do not pay property taxes. They informed me that our only recourse was to mail or fax a handwritten XXXX to the company. 

I do not currently have a copy of our mortgage documents because I am trying to handle this while I am on vacation, but if there were to be a follow up email I could attach a copy of the mortgage documents that we signed when we closed on our home XX/XX/XXXX.
Consumer complaint received 2024-04-19
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)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-08-30
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. (FL)

this company source XXXXXXXX XXXX unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently discovered XXXX debt items on my credit report from Capital One, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to Capital Ones XXXX XXXX XXXX in XXXX XXXX XXXX, UT XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from Capital One regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Consumer complaint received 2024-04-19
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 writing to express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items.

The presence of these fraudulent items not only undermines my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses.

Therefore, I demand immediate and effective action to rectify this matter. Specifically, I request the following : A thorough investigation into the root cause of these fraudulent activities and a transparent explanation of the steps being taken to prevent similar occurrences in the future.

Compensation for any financial losses, damages, or inconvenience incurred as a result of the presence of these fraudulent items on my account.

Assurance of enhanced security measures and proactive monitoring to prevent future instances of fraud. With this, I am asking for your assistance to remove these accounts fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (CA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NC)

Ordered a grant writing service from a female named XXXX XXXX who uses the name XXXX XXXX She didn't deliver on the service. She wasn't clear on the payment schedule and terms either. It was essentially theft by deception. XXXX agreed to a full refund and didn't make good on it like most scam artists. I was billed three times at {$36.00} for a total of {$100.00}. Chase was provided all the letter from XXXX agreeing to a refund. Chase was provided the return of their own form even though the date they mailed they form was the date they required the form back, etc. 
Chase has processed 2 of the 3 required refunds. This is not an oversight. Please provide the rightful refund. 

Chase claims they have not received the required document for the last refund. Chase 's claim isn't valid because I took the form into the bank on XXXX XXXX XXXX XXXX, NC and the staff member verified he had sent the document to the claims department. 

Additionally you have the email from the merchant agreeing to a full refund.Any further delay is unreasonable and of Chase 's own error.
Consumer complaint received 2024-08-14
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following account " XXXX XXXX XXXX XXXX '' was PAID IN FULL and is fully paid off! I am demanding the deletion of the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the following UNAUTHORIZED inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
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: Army and Air Force Exchange Service (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act MILITARY STAR XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (NJ)

REMOVE THESE INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX THSEE ACCONTS IS NOT MINE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XX/XX/XXXX
Consumer complaint received 2024-04-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX- Account Number XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX XXXX- Account Number XXXX XXXX XXXXAccount Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX- Account Number XXXX DEPT OF EDUCATION/XXXX- Account Number XXXX XXXX  DEPT OF ED/XXXXAccount Number XXXX XXXX XXXX XXXX- Account Number XXXX XXXX XXXX  -Account Number XXXX 15 USC 1681 section 602 A. States i have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c ( 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 reports more than seven years.

15 USC1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-10-30
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. (PA)

( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe following personal information is incorrect. The personal data reporting is inaccurate.
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

The company has filed multiple false and misleading affidavits in a lawsuit involving consumer. Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. This is in violation of XXXX 's recent 2023 agreement with the CFPB and the FDCPA. 

PRAs response to prior complaint by this consumer did not properly address this issue.