davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (GA)

This is my 5th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; AXXXX XXXX Balance : {$0.00} ; XXXX XXXX LLC XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, CA XXXX ; XXXX A XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-05-06
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. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-11
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. (NV)

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, 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 2024-02-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I attempted to contact company numerous times. I was hung on, rudely cut off, rerouted to get the same results. My XXXX claim was approved. I received a payment deposit on the XXXX and have been told different information. I attempted to find out if my Money Network Card was sent, I could not get an answer. Then finally a manager/supervisor said it was sent in the XXXX, rush order 2-3 days, then I was told the XXXX 2-3 days rush order.. It's the XXXX ...... It's more than 2-3 business Days ... .. My mother just passed and I'm trying to at least get emergency funds... When we had XXXX XXXX XXXX, no problem .... I've been told nothing can be done until card is received. Now I'm hearing multiple complaints that cards were sent, but never received ..... I was able to do XXXX XXXX before .... I'm so frustrated, and stressed out. I've been informed that a temporary account number is possible to transfer, no help... No help .....
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (NV)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please review the account and update/correct it. 


XXXX XXXX XXXX
Consumer complaint received 2019-04-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/2019 I sent 2 certificates letters ( XXXX and XXXX ) regarding US BANKRUPTCY XXXX AND XXXX listed on my credit reports by them. The Trans union credit bureau needs to provide me with copies all documentation associated with these public 's records accounts bearing either a court order to place this information in my credit report. They passed 30 days I never get replying by them. On XX/XX/2019 I sent another certificate letter ( XXXX ) tell them that they have violated federal law and also fail to provide me in 30 days a copy of any viable evidence, bearing my signature showing those accounts is bearing reported accurately. In this occasion they sent a letter file number XXXX asking for a proof of current mailing address. That answer is totally unacceptable!! They are clearly dilated in giving me the proofs of the veracity of those accounts. Clearly Trans union XXXX XXXX is violating the FAIR CREDIT REPORTING AGENCY PRIVACY LAW ( attached documents to support my complain )
Consumer complaint received 2023-12-06
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. (NJ)

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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-06
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GU)

Every time I apply for A United Airlines sky miles credit card, chase declines my application claiming I was bankrupt and a plethora of other false adverse accusations of more than 7 years ago. I have not filed bankruptcy and my credit payment history is near perfect. I was also a victim of an identity theft where the culprits were prosecuted and incarcerated. The damage from that identity theft appears on my XXXX   credit report. Chase was given copies of the court documents and continues to discriminate against me by declining my credit card application.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Last Four of SocialXXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Collection Account on Credit Report Account Number [ Your Account Number ] Dear Consumer Financial Protection Bureau , I am writing to formally dispute the collection account on my credit report, as reported by ( Aldous and Associates- {$150.00} ). I am concerned that their collection actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34. 

I wish to bring to your attention the following issues : 1. Failure to Provide Validation Information : Aldous and Associates, in accordance with 12 CFR 1006.34 ( b ) ( 5 ), has not supplied the necessary validation information despite placing a collection entry on my consumer report. I kindly request your assistance in urging them to provide the required validation information for the disputed account. 

2. Denial of Dispute Opportunity : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is crucial that I am granted my right to dispute the accuracy of the reported information. 

3. Violation of Consumer Rights : There are allegations that Aldous and Associates may be in violation of my consumer rights through engaging in false, misleading, misrepresentation, and deceptive practices. I seek your assistance in prompting them to cease such actions immediately and adhere to the guidelines set forth by the FDCPA. 

4. Failure to Provide Disclosures : The agency appears to be in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) by furnishing the account to consumer reporting agencies without providing the necessary disclosures required by law. I request your support in urging them to rectify this violation promptly. 

I kindly ask the Consumer Financial Protection Bureau to investigate the disputed account, encourage Aldous and Associates to provide the validation information required by law, and address any inaccuracies on my credit report promptly. 

I appreciate your attention to this matter and request that you keep me informed of any actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a letter dated XX/XX/ from Citizens Bank saying that they were unable to approve my recent application for a credit card account. The letter said the reason they weren't able to open an account was that they were unable to verify information provided on the credit application.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO (PR)

I was charged more than 30.00 Us dollars from the " Banco Popular de Puerto Rico '' for a transaction that was not supposed to be posted on XX/XX/19. 

I had called the " Banco Popular de Puerto Rico '' to solve the matter, they did not want to listen nor help me.
Consumer complaint received 2024-05-06
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 notice is to inform you theirs been unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that XXXX, XXXX, Experian did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries : Expect as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record or inquiries in connection with credit or insurance transaction that is not initiated by a consumer. The following Potentially Negative are result of identity theft are : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX. DELETE immediately! I tried to have all three Credit agencies to delete these erroneous accounts but was refused and told that they were Verified and Accurate. This a BOLD LIE XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-10-30
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

1..I doing the Best to increase my credit score, 8 years ago from a Bankruptcy but i still waiting to removed this Bankruptcy to continue my life. XXXX XXXX all ready did..i will like to buy me a House but cant'not do it..porfavor removed.to continue my life.
Consumer complaint received 2024-05-06
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XX/XX/XXXX and XXXX XX/XX/XXXX If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XX/XX/XXXXXX/XX/year>
Consumer complaint received 2023-10-30
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'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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-16
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: General Motors Financial Company, Inc. (MA)

I have a lot of hard inquiries in my credit report I don't recognize them I have XXXX I only know XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (PR)

Sir In years XXXX through XXXX I received many hostigating calls because amex increase the interest until 27 or 29 % An recently saw that the customers won a demand for this for XXXX XXXX  I WANT TO KNOW HOW I CAN CLAIM MY BENEFITS because I was affected with that.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Consumer complaint received 2023-10-30
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. (NY)

PLEASE HELP ME!, I AM A VICTIM OF IDENTITY THEFT. I HAVE IDENTIFIED THESE INQUIRIES ON MY CONSUMER REPORT AS IDENTITY THEFT. THIS INFORMATION ARE NOT RELATED TO ANY TRANSACTIONS BY ME. THIS IS IDENTITY THEFT. SOMEONE USE MY IDENTITY AND THEY DID NOT GET WRITTEN PERMISSION, AUTHORIZATION TO ACCESS AND/OR TO REPORT MY PERSONAL INFORMATION. 
PLEASE DELETE THIS OFF MY CONSUMER REPORT. DELETE THESE INQUIRIES 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 XXXXXXXX XX/XX/XXXX. MY ONLY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. ALL OTHER ADDRESS PLEASE DELETE. NOT MINE! THANK YOU
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX} I FIRST REQUESTED IT ON XX/XX/2023 FROM CAPTIAL ONE BANK FROM MY EMPLOYER THEY HAVE YET TO RELEASE MY FUNDS MY ACCOUNT HAS BEEN CLOSED I NEVER GOT A CHANCE TO TRANSFER MY FUNDS
Consumer complaint received 2023-10-30
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The XXXX XXXXXXXX XXXX has false information and false reporting on my Credit report. The XXXX XXXXXXXX XXXX has not provided me any original documentation required under Section 609 ( A ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) and under Section611 ( 5 ) ( A ) OF THE FCRA-you are required to " promptly delete all information which can not be verified. The XXXXXXXX XXXX XXXXXXXX has it reported on my report that the account was open XX/XX/XXXX marked payed/closed XX/XX/XXXX last payment XX/XX/XXXX. ITS stated on my report that this is a 39 month term from XXXX XXXX which would expire on XXXX XXXX which there are no miss payments in XXXX as reported in my credit report. ITS reporting that there was a miss payment XXXX XXXX, I am requesting Information regards to this late payment or delete this item from my credit report within 15 days of receiving this complaint.