davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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)

The XXXX XXXX listed on my credit reports are KNOWINGLY committing securities fraud against my SSN. They are filing IRS forms ( XXXX 's ) on my behalf and are not providing the proper IRS documents for me to file my taxes PROPERLY as they are considered INCOME! They are not performing their fiduciary duties as stated in the XXXX XXXX agreements and the XXXX XXXX XXXX agreements that they signed. Their deceitful and deceptive practices of fraud have caused I and my family grave XXXX XXXX XXXX XXXX XXXX  while they are enjoying the fruits of the fraud!
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: General Information Services, Inc (FL)

I received from the company GIS a copy of a background check made on behalf of XXXX XXXX XXXX. 
They stated in the report with this words, a issue o authenticity of my social security. " XXX-xxx-xxxx May have a issued as part of the SSA Randomization program. Please work with candidate to validate Authenticity '' As per our conversation they GIS and XXXX XXXX XXXX wanted me to send them my SS card to prove its authenticity. Because the report issuer its supposed to find the right information before issue any report, I denied to send them the requested SS card. 
I dispute the issue asking them to go to the proper authorities to validate the authenticity of the document. Adding to them the following, that if something is wrong with the card, I would not be the correct source to provided such a sensitive information. 
They close the dispute and nothing was resolved. 
I call them so many times and they said that it was close and period.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

My son opened a student account when he was still a minor, and I was added to the account. We were told the benefit of the account was no overdraft fees. However, upon turning XXXX overdraft fees were assessed on the account for {$3.00} being overdraw. The bank refuses to waive the fee, despite claiming to no longer charge overdraft fees. They are also strong arming me by not allowing me to be removed from the account. Below are the interactions I've had with the bank : XX/XX/year> son overdrew account by {$3.00} XX/XX/year> {$36.00} overdraft fee. 
XX/XX/year> Received threatening notice that if fee is not paid, the account will be closed, an additional {$30.00} fee will be added and credit will be impacted. 
XX/XX/year> Visited local branch. The manager said corporate locks them out from removing fees. 
XX/XX/year> Called XXXX different branches. The first person I spoke to was rude and hung up. I called a different branch and asked to speak to a manager, who was unsuccessful at removing the fee. 
XX/XX/year> reached out via XXXX and was provided a case # XX/XX/year> Received an email from XXXX XXXX stating fee will not be removed.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: KEYCORP (OH)

Back in XXXXXXXX XXXX XXXX I thought I was doing business with a person online until they started to send me checks through the mail at first all was fine and then they sent me a very large check and tried to reverse the charges but I was not stupid and did not use my own personal account for this person 's check. I open an account with Key Bank and that is how we found out the person is a scammer.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I called Portfolio Recovery Associates the week of XX/XX/17 to pay a XXXX XXXX credit card that had been charged off. The representative I spoke with gave me only three options : 1 ) Make one payment to pay balance 2 ) Split amount over 3 monthly 3 ) Split amount over 6 monthly payments. I asked the representative if I paid the full amount, would the account be removed from my credit. I was told that it could take the credit bureaus up to 30 days, but that the account would be deleted once it was paid. I gave him my payment information, which cleared my bank a couple days later. 

Today I received an alert from XXXX  that this account is being reported as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. This was not what I was told on the phone, nor did I agree to this. I was under the impression that I was paying off the account, and was specifically told by the associate at Portfolio Recovery that " once the credit bureau updated '' it would be removed. 

I tried contacting them again to inquire about this, and spoke with XXXX XXXX, Operations Manager, who again lied to me and said that I was originally informed they would be reporting it as a settlement. I know for a fact that I was not told this information because I would have paid whatever the full amount they claimed I owed rather than have the account report as " repayed only part of the original debt ''.
Consumer complaint received 2024-05-21
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/24 XXXX committed merchant fraud and scammed me out of {$410.00} by charging my Chime debit card and never providing the product and service which I paid for ( a roadside tire delivery and install ). I then called them while recording the conversation, and they informed me on a recorded line that I would be granted a full refund. I was never granted the refund. I later learned that XXXX was a fraudulent merchant and never intended to deliver me a new tire or replace it, and that this was a common scam they run. I disputed the charge with Chime and Chime ruled in the fraudulent merchants favor each time, claiming they presented some sort of evidence, which is impossible because I never received neither product nor service.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I reached out to Experian and spoke with XXXX on XX/XX/year> at XXXX XXXX  XXXX the following accounts that are showing paid on my credit report however disqualify me from being able to rent a home. I asked that these accounts be deleted from my report as they are paid and I was advised by XXXX that even though they are paid, they stay on the account for XXXX years after delinquency date is submitted, which makes no sense because if I would have never paid the debt, the account would have fell off of my credit within XXXX years as well. The accounts that need to be removed are as followed XXXX XXXX  of XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX rent. all these accounts are paid and positive standing therefore, its only right that they are removed because though they are paid, they are still reflecting negatively on my rent and credit score.
Consumer complaint received 2019-06-24
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. (OH)

I requested METHOD OF VALIDATION from XXXX, XXXX, Experian for the following accounts and never received the requested information only automated VERIFICATION from an XXXX  system. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX   XXXX Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-05-21
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. (FL)

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

Instructions : Validate/inaccurate reported late payments.
Consumer complaint received 2024-05-21
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. states 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 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 2024-05-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent
Consumer complaint received 2022-11-24
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Crown Asset Management, LLC, Duluth, GA Branch (CO)

I have a debt collection from XXXX and I called XXXX and spoke with XXXX about making payment arrangements on my account and she said my debt was sold to Crown Asset at XXXX I called and spoke with XXXX and he said that he could not take my payments and payment arrangements would have to be done through XXXX XXXX  at XXXX. I called XXXX XXXX and spoke with XXXX and he stated that he could not take any payments because I was currently XXXX XXXX Military and the account had been transferred back to Crown Asset management. So I called Crown Asset back and spoke with XXXX XXXX and told her that I was currently in training and this was my only day that I had to make payment arrangements on my outstanding debts and I needed to pay on this account. XXXX said that the account was not with Crown Asset and that she couldn't take a payment anyway because all their payments would have to be made through XXXX XXXX. I called XXXX XXXX back and spoke with XXXX again and told him what XXXX said at Crown Asset and that it was imperative I make a payment today to start paying back this debt. XXXX stated that there was no way he could take payments on my account because it was annotated that I am currently XXXX XXXX military and because of that they have to transfer the accounts back to Crown asset and they no longer have it. Crown Asset or XXXX XXXX could not take my payments even though I attempted several times.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On Tuesday, XX/XX/2018 I received text and phone fraud alerts from my banking institutions ( USAA and XXXX XXXX XXXX ) alerting me to fraudulent activity on my credit cards. The amounts were : {$440.00} charged to my XXXX XXXX at XXXX {$1300.00} charged to my USAA XXXX XXXX at XXXX {$920.00} charged to my USAA XXXX XXXX at XXXX When I checked my wallet, both of those credit cards were missing. I believe my credit cards were stolen from my wallet on the morning of Saturday, XXXX XX/XX/XXXX. I have filed a police report with my county Sheriffs Office, a copy of which has been provided to USAA. 

My cards were NOT in my possession when the fraudulent purchases were made. XXXX XXXX XXXX quickly reversed the {$440.00} charge and the resulting fees. USAA also initially reversed the charges and issued me a replacement card, but then the charges appeared on my statement again on XX/XX/2018. I never received a notification explaining the charge reversal, and only noticed it when reviewing my account history. 

I have tried numerous times to resolve this issue with USAA, asking them to remove the fraudulent charges from my account. I have called weekly, but am told every time that my case is still in progress and there has been no resolution. I am beyond frustrated that this has dragged on for 10 months with no assistance from USAA. 

Please contact me if you need any additional information. Thank you.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I found a number of incorrect personal information on my credit report and I contacted Experian in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Account number : N/A, The inquiry was not authorized. Remove this on my credit report immediately. 

XXXX XXXX XXXX XX/XX/year> : Account number : N/A, The inquiry was not authorized. Remove this on my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Paid and never late. Update this account on my credit report,. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation. As a consumer by law this account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. As a consumer by law this account must be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. As a consumer by law this account must be deleted immediately.
Consumer complaint received 2023-09-13
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.