davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/23 I submitted an alert removal form to Experian to remove addresses and names that I do not recognize and that are not mine. I gave them all the required documentation including government-issued ID and current bank statements as requested. 

Experian only added my current address and failed to remove the inaccurate information being furnished on my account. 

I sent another notice letting them know that the information was inaccurate still, and I further sent along proof from the furnisher of the inaccurate information that the address was indeed inaccurate. To which Experian requested I submit even more documentation. 

I provided the documents which included Copy Of Gov. issued ID displaying correct name and current address, current bank statement, full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ), Social Security number, Date of birth, complete addresses for the past two years, and a copy of the letter they sent requesting these specific details and documents. 

Experian only updated my current name but didn't remove the inaccurate names and still have not removed the inaccurate addresses. Experian said I must send in identity verification documents along with all the information and documents listed above. 

I submitted a third dispute further providing all the documentation and information listed above along with the requested identity verification documentation and letting them know that the inaccurate information is still being furnished. 

Experian has now requested that I submit all the same information along with an identity theft report stating that I submit an identity theft report along with a police report. 

Experian is continuing to delay the removal of inaccurate information from my consumer report and they are being willfully noncompliant and are not following proper compliance procedures to ensure the accuracy of my consumer report.
Consumer complaint received 2023-11-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had applied and was approved for a menards / capital one charge card. I made a purchase on XX/XX/XXXX using the 6 months same as cash promotion. Then I made two additional purchases on XX/XX/XXXX and XX/XX/XXXX that were supposed to be 4 years same as cash but each statement I received after those purchases I seen I was being charged a reduced rate of 3.99 %, I called customer service to ask why I'm being charged a reduced rate and not receiving the XXXX yrs same as cash when I made the purchases and they couldn't help me and all the csr did was read from the paragraphs on the monthly statement. The customer service rep provided no help at all. That was in XXXX / XX/XX/XXXX. Now XX/XX/XXXX I receive my monthly statement and have been paying up to {$300.00} - {$310.00} per month since XXXX or XX/XX/XXXX trying to pay off the 6 months same as cash promotion b/c it was expiring XX/XX/XXXX but was charged {$170.00} interest on my XXXX statement b/c the 6 months promotion expired XX/XX/XXXX and they have been applying each monthly payment that I'm making to the ( XXXX ) 4 year promotional balances instead of the 6 month promotion that was expiring and I'm now being charged 30.24 % interest on that 6 month promotional balance. I called customer service again today XX/XX/XXXX at XXXX est. asking if I can pay the 6 months promotional balance off in full so I'm no longer being charged 30 % interest on that remaining balance. The csr tells me that no there is no way to make a direct payment towards a particular promotional balance and proceeds to read the " HOW DO YOU APPLY MY PAYMENT '' paragraph from my monthly statement. This is after she put me on hold from 20 minutes. I just don't understand how they are getting away with these things and why they don't allow a customer to make a payment towards a particular promotional balance. They allow a customer to make separate purchases using different promotional types and then the customer is stuck paying them off how Menards / Capital One decides.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please DELETE/REMOVE and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 
1. XXXX XXXX XXXX XXXX # XXXX  inaccurate please delete 2. XXXX XXXX XXXX  # XXXX  inaccurate please delete 3. XXXX XXXX XXXX  # XXXX inaccurate please delete 4. XXXX XXXX XXXX # XXXX  inaccurate AND reporting TWICE ON CREDIT REPORT please delete. THE SAME ACCOUNT REPORTING TWICE ON CREDIT REPORT please delete 5. XXXX XXXX  # XXXX inaccurate please delete 6. XXXX XXXX  XXXX  inaccurate please delete 7. XXXX XXXX XXXXXXXX inaccurate please delete 8. XXXX XXXX XXXX  XXXX SAME ACCOUNT please delete 9. XXXX XXXX  SAME ACCOUNT please delete 10. XXXX XXXX  XXXX  SAME ACCOUNT please delete 11. XXXX XXXX XXXX Same Account please delete
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (AL)

Someone with possible subscriptions in my name are illegally drafting my account. My efax account is XXXX I was drafted XXXX illegaly and XXXX illegally XXXX XXXX XXXX XXXX XXXX prime illegaly and so e others when I cancelled in the trial period time frame. My efax number account is still active XXXX. There might be another one in my babe trying to draft a chime card of mine which is not the card on file. Or a payroll company illegaly drafting or trying to access my account. Labor finders XXXX Al people ready XXXX Al or XXXX Al or at XXXX XXXX XXXX Al possibly volunteer s misusing my identity.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus XXXX and XXXX have reported an incorrect credit score to Lenders twice now.
Consumer complaint received 2024-03-02
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. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-09-17
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. (IL)

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.

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 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The companys XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) did not address the issues of opting out per the Fair Credit Reporting Act, The privacy act of 1974 or 15 USC 6801 B. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

XXXX has stated that they submitted for removal of the account in a previous complaint. 

I gave no written instructions allowing this report to be made. No options to opt out were given to me. I have told them multiple times i wish to opt out of their reporting. XXXX, XXXX, and Experian have also failed to delete the accounts of the report. 

" ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom. '' 16 CFR 313 313.7 " Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report.
Consumer complaint received 2023-10-26
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Privacy Act of 1974 ; 5 U.S.C section 552a and under 15 U.S.C. Account # XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy along with 5 U.S.C section 552 ; Privacy Act of 1974 and 15U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also a consumer reporting agency can not furnish an 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 ( they may only report crimes, not ''debts '' ) 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 persons knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

PayPal has decided to hold my fund that where originally disputed by the person who did the transaction. This matter was closed in my favor and PayPal still doesnt want to release my funds which Im depending on these funds to pay my rent this month. Can you please assist me on getting my funds I already beat the case and PayPal has no reason as to why to hold my funds for 180 days
Consumer complaint received 2023-12-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I bought an American Express gift card at XXXX and had it activated so I can purchase something on the XXXX online store. It allowed me to enter the card information, but when I tried to purchase what I wanted, it declined the card because the merchant couldn't authorize it. I tried the card again at a few different places and discovered I couldn't use it anywhere. So I wasted money on a {XXXX} gift card that doesn't even work and I want my money back.
Consumer complaint received 2024-07-22
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: FactorTrust, Inc. (CA)

I am a survivor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where I was compelled into accruing debts in XXXX XXXX. This has resulted in several negative marks on my credit report. Currently, I am being supported by a representative from the XXXX XXXX, an organization committed to aiding survivors of XXXX XXXX  We are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove detrimental information associated with trafficking upon the filing of an official claim.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (NV)

I recently checked my XXXX credit report and realized there was an account from Flagship Credit Acceptance ( FCA ) that didn't belong to me. It's labeled under my " installment loan '' accounts for an auto loan. I called XXXX to get the account and phone number for that debt. After that I called Flagship Credit Acceptance to figure out what's going on and how this mistake could have happened. 
While on the phone with customer service at FCA they advised that this debt belongs to an individual named " XXXX XXXX. '' My name is XXXX XXXX, so this was obviously a reporting mistake/error for an account that has nothing to do with me. 
After learning this information I checked my other two credit reports from XXXX and XXXX and confirmed that this error was not reporting to either of my other two credit bureaus. 
I've never had any auto loan with Flagship Credit Acceptance and should not have any account from them reporting to my credit report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX-XXXX. XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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.

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 2024-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc. (VA)

Hey my name is XXXX XXXX, I have contract all company 's involve my credit score. It have transaction 's on their I never did and not able to even dispute it. I have been homeless for three years now. The last job XXXX, the last address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. However, on my credit score it mention I apply for pets insurance I don't even have a pet, mention mortgage in XXXX and never have and many more. I am trying to unfreeze my account with Experian, it has been months. I been trying to get contract with an agent. However, I do have recipes on someone been making fake accounts in my name far as XXXX XXXX, XXXX, XXXX XXXX, Have an gift card in my name at least for two years. School XXXX, I graduated from XXXX in XXXX but it shows XXXX loans and grants and I don't understand how. Way more please help I have try to contract these companies myself, and also my emails keep getting hack and phone keep getting stolen. This been going on for two years and I am just founding out about this. How did yall didn't see this or contract me
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

FDCPA Section 807 Violation Misleading False Reporting Inaccurate reporting have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.