davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NC)

i recently took a look at my consumer report and noticed a unauthorized account on my report i did not apply for or authorize which violated my rights and i would like it removed asap seeing it had a negative affect on my report
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This company has been threatening to retrieve my property and take money from me I have never had any type of credit card with this company but they keep calling and sending me letters saying I owe a debt please help its affecting my life and mental ability everyday
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-21
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. (AL)

I am a victim of Identity theft and XXXX XXXX and would like for all listed accounts to be deleted from Transunion LLC. XXXX, XX/XX/year>, XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CA)

I was offered a loan by a man who asked me to go to XXXX XXXX and get XXXX cards to prove that it was me. The total sum of the XXXX cards were of {$800.00}. 
So I gave him the XXXX numbers I called to ask him how the loan was going. He said he needed {$100.00} more. I said I didnt have it. I disconnected the phone call I knew it was fraud at that time because he was asking me for money, and then I looked on my online banking and there was a provisional credit because before I had a chance to understand what was happening and go to XXXX XXXX  and get the XXXX cards, they pulled the money back out said that they had a dispute My bank is charging me the fraudulent activity amount when they know the whole process is fraudulent. 

The dates of the fraudulent activity was from XX/XX/XXXX to today XX/XX/XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2024-04-19
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)

After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX XXXX  Account # 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 an account without my written instructions. 15 U.S.C 1681 ( 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 on 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 accurate. These inaccuracies are stopping me from obtaining credit for my family.
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. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2024-04-19
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)

I am writing to challenge the presence of a fraudulent item currently listed on my credit report. Despite sending my initial dispute letter and the required documentation to the Federal Trade Commission ( FTC ) in accordance with your guidelines, this item remains on my credit report. After contacting the creditor linked to this item, they acknowledged its fraudulent nature. Consequently, the item has been removed from XXXX and XXXX. I have also provided the company with all necessary documentation to substantiate my claim. 

XXXX XXXX XXXX  XXXX Reference : XXXX Date Filed XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXXXXXX XXXX. Please remove.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

During the year XXXX regions bank has charged me overdraft fees in the amount of {$800.00}, all of which on my account balance showed enough money to cover every charge that was on my account. when regions were contacted about the overdrafts and the fee 's associated with regions informed me of the overdraft policy but was unable to explain how my balance was able to cover all the charges but then the next day have a negative balance and an overdraft fee for multiple charges. I contacted the main branch and brought bank statements and showed how the night before I had the money to cover every charge on my account then the next morning I would have a negative balance and several overdraft charges the banker called customer service and still could not give me an answer as to how this was happening but informed me that I had to pay the {$500.00} dollars after I had already paid {$300.00} of fee 's that they claimed was overdrafts. since then regions has charged off my account and Im unable to sign into regions at this time, I have switched banks still have all the same bills but have not had a single overdraft fee.
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 15 USC 1681. The XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 XXXX 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 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section XXXX ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 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 2024-05-10
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (MI)

I am not liable for this debt with Kinum Inc. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested multiple times. Pursuant to 18 usc 8. I owe no debt this company is violating my consumer right to privacy pursuant to 15 usc 1681b 2. Company has also No permission to report anything using my information to pursuant to 15vsc 16814
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TX)

{$770.00} Open balance XXXX XXXX XXXX  Original XXXX  XXXX day o wok up and this was on my credit i tryed calling them and they refuse to remove it i told them that i was a victim of identity theft and they still have not yet to remove this ALLY FINANCIAL Last reported XX/XX/year> {$41000.00} Reported balance also this one I have sent in the copy of my police report, and they have closed it and also marked it as a charge off they refuse to remove it and i have provided them my police report
Consumer complaint received 2024-07-31
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (RI)

I am writing to bring to your attention a concerning experience I had with American Express Serv Card Services. As a loyal customer who has been doing my taxes at XXXX XXXX for the past XXXX years, I encountered several unauthorized charges on my American Express Serv Card XXXX years ago. I promptly called to dispute these charges, and I was directed to speak with a representative from the fraud department. 

Unfortunately, my interaction with this representative was highly unprofessional. He insisted that the charges were legitimate and that I was still liable to pay them. His tone was rude, and he dismissed my concerns about compromised passwords and potential phone security issues. To my dismay, he even laughed at my situation. 

In response, I faxed over a detailed declaration of truth along with evidence of the unauthorized charges. Despite my efforts, I faced further challenges. Recently, when I filed my taxes at the same location in XX/XX/XXXX, American Express Serv Card Services informed me that they were holding my tax refund. Their reason? They needed to determine the amount owed due to fraudulent subscriptions that I had been reporting for the past XXXX years. 

I promptly sent a letter disputing their decision to withhold my funds. In this letter, I reminded them that I had reported the subscriptions as fraudulent back in XX/XX/XXXX. Furthermore, I emphasized that withholding my refund was against my rights as a consumer. 

I sincerely hope that my conversations with the fraud department are being recorded, as the unprofessional behavior I encountered was uncalled for. As a responsible cardholder, I seek resolution and fair treatment. 

I still have not received my federal or state income tax checks yet. 

Thank you for your attention to this matter. I appreciate any assistance you can provide in resolving this issue promptly.
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. (NH)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-19
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 am writing to dispute the accuracy of several accounts on my credit report. Upon reviewing my credit report, I have discovered that these accounts are being reported inaccurately and require immediate attention. Firstly, these accounts should not be included in bankruptcy as they were not part of any bankruptcy proceeding. Secondly, the balances being reported for these accounts are incorrect and do not reflect the actual amounts owed. There was an error in the reporting of these accounts and request that they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and request that you conduct a thorough investigation into this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2023, I inquired about sneakers for sale on an XXXX account called XXXXXXXX XXXX XXXX. I messaged back and forth and was told that they had the pair of sneakers I wanted in stock and that I just needed to transfer the cost of the sneakers through Zelle. I was given the person 's name and phone number and used Zelle to send them {$150.00} for the sneakers. I gave them the confirmation that the money was sent and they provided me with a tracking number. I asked them why the tracking hadn't moved him the Label Created stage and they closed the XXXX account and I could no longer communicate with them. I trusted them because they had a copy of their LLC Agreement on their page.
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. (FL)

XXXX XXXX  {$990.00} XX/XX/year> XXXX XXXX {$1100.00} XX/XX/year> XXXX XXXX {$1400.00} XX/XX/year> XXXX XXXX  {$1400.00} XX/XX/year> I have tried to reached out to this company many times but respond.