davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
1. XXXX  Account Number : XXXX Date reporting NOT Accurate XX/XX/2023 - XX/XX/2023 - XX/XX/2023 : Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Consumer complaint received 2018-04-04
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have emailed Capital One twice ( XX/XX/XXXX and XX/XX/XXXX ) asking if they could please do a goodwill gesture and update my 2 late payments on my CLOSED Credit Card - 30 days late - one for XX/XX/XXXX and XX/XX/XXXX ) so that they show as 100 % on time payments. My daughter was in the hospital with XXXX and due to the fact that I had to stay in the hospital with her, I had to miss work and that caused for me to fall behind on my bills. I was really going thru a financial hardship during that time. Both times Capital One called me and said my issue didn't fit their guidelines so they couldn't change it. When I asked what those guidelines were, they couldn't explain that to me. I am and have been a loyal customer of Capital One since XXXX. I currently have 2 credit cards with them and ALWAYS pay on time and pay the accounts off every month. I am looking to purchase a house this summer and those 2 negative marks are hurting my credit. I would really appreciate the goodwill gesture of making that account current. Thanks in advance! XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2021-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Good Afternoon, I have been trying to purchase a home since XXXX, XXXX through a financial institution in XXXX XXXX. I submitted a credit authorization form to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX  signed on XX/XX/XXXX. XXXX XXXX XXXX  ran my credit on XX/XX/XXXX. The credit authorization letter was valid for 90 days. XXXX XXXX XXXX  ran my credit again without my authorization on XX/XX/XXXX. I spoke with the president of the company XXXX XXXX and I questioned about the hard credit inquiry and the only explanation he gave me was that the they had to run it again because the other inquiry had expired. I told that I did not authorize the credit check and that they should of had asked me first before running a credit check. He said, that they wouldn't run it again. Well, today we are still in the approval process of the mortgage since XXXX and today they ran my credit again without my authorization. I would like to report this company for not complying and running credit checks with prior authorizations. When I spoke with Mr. XXXX in XXXX I was very clear with him about not running my credit again and still XXXX XXXX XXXX ran it again. Is not my fault that they are taking these long to give me an answer whether if the loan is approved or not. Everytime they run my credit it affects my credit score.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the repeated reporting of inaccurate late open accounts on my credit report. Despite my multiple requests for correction, these inaccuracies persist and have a significant adverse impact on my creditworthiness and financial standing. 
Below are the details of the late open accounts that I have previously disputed and continue to be inaccurately reported on my credit report : XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}. I have attached copies of my previous dispute letters and credit reports from 3 Credit Bureaus for your reference, which clearly demonstrate the inaccuracies I have been disputing. 

It is crucial to emphasize that I have never been late on these accounts, and the late payments reported are entirely erroneous. I have consistently made my payments on time, and I have provided ample evidence, including bank statements and payment receipts, to support my claims.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed items on a credit report within 30 days of receiving a dispute letter and to notify me of the results of your investigation. Despite my previous disputes, the inaccuracies persist, and this situation is causing me significant distress and financial harm.

Therefore, I urgently request that you take immediate action to resolve this matter. I kindly ask that you : 1. Conduct an in-depth and comprehensive investigation into the accuracy of the late open accounts on my credit report.

2. Contact the respective creditors to verify the accuracy of the late payment information.

3. Correct the information on my credit report to accurately reflect my payment history.

4. Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX/2023
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX - XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX  - XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXXXXXX XXXX  - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXXXXXX XXXX XXXXXXXX - XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXXXXXX XX/XX/year>- NOT MINE INQUIRY XXXX XXXX XXXXXXXX XX/XX/year>- NOT MINE. 
INQUIRY - XXXX XX/XX/year> - NOT MINE
Consumer complaint received 2024-05-10
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. (TN)

Violation of 15 USC 1681b ( e ) ( 6 ) Your Company is in VIOLATION of 15 USC 1681b ( e ) ( 6 ). ALL CRA 's must maintain a joint notification system. I do so believe that this subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. This account and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY. 

Account : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (SC)

I locked into a Loan Estimate in XXXX. I was told it would be submitted to Underwriting and stay locked, but received a 2nd Loan Estimate on XXXX as we were about to close. The difference between both Estimates is over {$12000.00}. Can they quote & lock an original estimate and then change just prior to closing?
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NV)

I closed my Citi Secured card and called to get my secured deposit. The citi representative told me that I would receive my money via ACH in one to two business days and when that did not happen, I called them and they said oops the check will be send out via paper check. This is very unacceptable. 

XXXX
Consumer complaint received 2024-05-10
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. (TN)

I have contacted this company on several occasions to correct this incorrectly reporting information. 
Account : XXXX XXXX Account # - XXXX This company has violated my rights according to 15 USC Section 1681b ( e ) ( 6 ). This is causing severe XXXX for me. I have sent several letters for them to update this inaccurate information. XXXX has updated theirs due to it reporting inaccurate and so these companies needs to be notified. 

Please update it to paid as agreed. Was never late.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to urgently request your immediate intervention in addressing a critical issue concerning fraudulent items on my credit report, despite multiple unsuccessful attempts to rectify the situation. The gravity of this matter requires prompt action to safeguard my financial standing and protect against further damage. Despite submitting disputes, the fraudulent items on my credit report persist, causing significant distress and compromising my ability to make informed financial decisions. Attached to this letter, you will find supporting documentation, such as police reports, identity theft affidavits, and any other relevant evidence, to substantiate my claim and facilitate an expedited resolution. I am well aware of the Fair Credit Reporting Act ( FCRA ) requirements for prompt investigations and removal. I request that all relevant creditors and parties involved be promptly notified of the fraudulent nature of these items and that necessary steps are taken to expedite their removal. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  XXXX **** Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX Balance Owed : XXXX ; XXXX XX/XX/scrub>/2023 .
Consumer complaint received 2024-05-11
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. SXX/XX/XXXXrequire the XXXX credit bureaus to validate these accounts (XX/XX/XXXX. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXBalance : {$9700.00} XXXX XXXX XXXX : {$800.00} XX/XX/XXXXXXXX XXXX Balance : {$1800.00} XX/XX/XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-10
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)

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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
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: Experian Information Solutions Inc. (NC)

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 XXXX has violated my rights. Or a 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 2024-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX, I was racially discriminated by the bank supervisor/manager in the XXXX, MD XXXX XXXX location when I visited the bank to withdraw some money for XXXX of my daughters that needed monetary assistance. I tried to take XXXX out and was told I could not. Then she asked me how I got the check for XXXX to open the account with. I looked at her funny and felt racially profiled and discriminated. Then On XX/XX/year>, I opened a XXXX Account online. The XXXX Account was opened for the main purpose of trading. A small amount was wire transferred on the XXXX of XXXX to verify the account was in good standing and I can see the money into my XXXX account on my phone. The total amount of XXXX cents was ach transferred into my XXXX  account where I saw it was deposited. After everything looked good, I then proceeded to make a wire transfer On XX/XX/XXXX in the amount of XXXX. within a few minutes I checked my XXXX account and did not see the XXXX in the account. I then check my online PNC account to see if the XXXX was still in my PNC account and what happened. I tried logging onto my online PNC account and was unable to log in because an error message came up saying to call the bank. I called PNC and spoke to a representative on the phone. She told me she could not get into my account and the account was showing a XXXX balance on all my virtual wallet accounts and I had to go into a branch to get further information. On Saturday I went into a branch to inquire about the wire transfer and why I no longer had access to my PNC account. I got no answer the representative told me to come back dur normal business hours to a branch. I got sick with the XXXX for a few days and was not able to visit a branch office until XX/XX/XXXX Thursday. I visited a local branch near my workplace. I spoke to a representative there and she could not explain to me why my account was on hold either, she called around to contacts in the fraud department as well as the wire department and could not get any answers for me. She told me she had to take a break because she had not taken one yet and I had to go back to work because my lunch hour was up. I have been without access to my money for over XXXX week and no one is able to provide any answers to me. I need to pay my bills as well as buy medication, food to eat, groceries in my home for my family. I am the sole provider, and it is a problem not to have access to continue living a normal life. I will need to be compensated for not having access to my money. I will be contacting a lawyer because this is inhuman at this point.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

Good day, few of my closed accounts that couldve called off my report still appear there because they last updated them when I close the account. 
Acount 1 was closed 2021 XX/XX/XXXX The 2 collection dates are different from all XXXX bureaus
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/XXXX I received a letter in the mail from my Barclay AA Aviator card that said its required to collect more information about my identity. The letter asked me to send a utility bill statement, a copy of my social security card front and bank and a copy of a government id, also front and back. If I were not to comply with this request they will place my account on hold. 

The letter instructs me to send this information via mail or fax. I reached out to Barclays to better understand this request and they stated that I need to comply due to the Patriot act that requires I confirm my identity. I explained that I have major concerns with sending my personal information via mail of fax as this poses a risk that my information can be intercepted and open me up for identity theft. 

In my opinion the proper way to request this information is for Barclays to provide me with a secure link either via their app, or web portal that allows for my information to be sent encrypted and ensures all consumers information is protected. 

Customer Service stated that there is nothing they can do that I either comply or loss access to my card. 

I have had this card for almost a year and have spent close to $ XXXX and currently do not have a balance. Its unreasonable in 2023 to ask a consumer to send their personal information with a secure mechanism in place.