davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-07-30
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Date : XX/XX/203 Company Involved : Paypal , Inc . 
Paypal Account : XXXX Issue/Concern : I can no longer use my paypal account because of permanent limit. I can no longer send and receive funds.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX, I tried to log into XXXX XXXX with XXXX and it keeps telling me that it is having technical issues. It will not let me log in even when I gave it my photo id and after several attempts are emailing me verification codes. This is happening on both the app on the phone and the desktop. I got in touch with customer support and they tell me to use a different email address. I use my XXXX email address and they tell me to put in another customer support request. I do that and it won't accept either user id. It tells me that I made too many requests. I think this is a fraudulent app and the URL : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-24
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 have requested on several occasions over the last XXXX months that Experian remove the following addresses from my credit report. I do not live at these addresses nor have I ever lived at any address listed below, therefor they are incorrect and unmailable as per 15 U.S. Code 1679c it is my right to have ONLY accurate information on my credit report. Experian has failed to remove these addresses from 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
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XXXX XXXX I pulled my credit report from experian and XXXX and XXXX and noticed that the balance of my car loan with XX/XX/XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XX/XX/2023 I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXXXXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with XX/XX/XXXX and a copy of my current credit report.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I contacted the customer service department to request a reversal of the {$10.00} interest fee that was charged to my account. According to my understanding, I should not have been billed any interest fees since I paid off the balance and consistently paid the statement balance each month. Unfortunately, my request was declined. 

Here are the details of my account activity : In XX/XX/2023, my statement balance was {$1100.00}, and the due date was XX/XX/2023. On XX/XX/2023, I made a payment of {$650.00}, which covered the required minimum payment of {$25.00}. Additionally, on XX/XX/2023, I made an additional payment of {$810.00}, totaling {$1400.00}. This payment exceeded the statement balance for XX/XX/2023, and I made it before the cycle ended on XX/XX/2023. 

When the XXXX cycle ended, my statement balance was {$530.00}, due by XX/XX/2023. Since my account is set up for auto payment of the statement balance, I expected not to be charged any interest fees. However, I discovered that Capital One billed me {$10.00} in interest. 

During my conversation with the representative, I was informed that because the full balance of {$1100.00} was not paid by the XX/XX/2023 due date, it broke the grace period, resulting in the interest fee. However, I explained to the agent that I paid off the entire balance before the cycle ended and that the transactions made during that cycle should not have accrued interest since they were part of the current cycle and did not exceed the 25-day grace period. 

I urge you to thoroughly investigate this matter as I strongly believe it to be a systemic issue. It is possible that other consumers are also being billed interest fees when they should not be, particularly after paying off their balances before a cycle ends. This practice appears to violate Regulation Z, as it involves overbilling consumers with unjustified interest fees. 

I kindly request a comprehensive investigation into this matter and a resolution that ensures the accurate and fair billing of interest fees.
Consumer complaint received 2024-04-24
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 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 2024-06-20
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

My name is XXXX XXXX, I recently looked at my credit file an notice some inquiries that I never authorized. XXXX : XXXX XXXX Toyota XX/XX/XXXXXXXX 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. I submitted an Ftc report notifying credit bureaus of unauthorized inquiries. I didn't give permission to run my credit is a violation of the FCRA and want these removed immediately. each violation will be XXXX each
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, GA XXXX Dear Experian Team, My First & Last name are as follows : XXXX XXXX XXXX XXXX 

My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX XXXXIncorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 seven years.

15 U.S.C. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-04-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

I have asked for the wet signature, original contract, the account is showing " open '' with a " past due balance ''. Name of the original creditor and account number. An itemized statement of the current amount including interest, fees, payments and credit history.
Consumer complaint received 2024-04-24
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. (NY)

I am writing to request the removal of the following information from my credit report, which has resulted from identity theft. The items I need to be deleted are detailed in the accompanying report.

As a victim of identity theft, I did not authorize nor make the charges in question. I ask that the items be deleted to correct my credit report.

I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for your reference. Please remove items promptly.
Consumer complaint received 2024-04-24
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)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. 

Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : PERSONAL CURRENT ADDRESS IS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 
MY PROPER FULL NAME IS XXXX XXXX XXXX.
Consumer complaint received 2023-07-20
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)

THE FOLLOWING ACCOUNTS ARE NOT MINE. 
1 ) XXXX XXXX Partial Acct # XXXX 2 ) XXXX Partial Acct # XXXX .... 
3 ) XXXX XXXX XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
5 ) XXXX Partial Acct # XXXX .... 

I DONT KNOW WHATS GOING ON BUT NONE OF THE ACCOUNTS LISTED ARE MINE THEY SHOULD NOT BE ON MY CREDIT REPORT.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-04-24
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 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-24
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. (ID)

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. 




XXXX # XXXX XXXX  XXXX BANK # XXXX XXXX XXXX BANK # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX BANK XXXX XX/XX/2022 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 2024-04-24
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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. (OH)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for 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
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX