davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$690.00}.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXXXXXX XXXX  XXXX. {$17000.00}
Consumer complaint received 2023-12-21
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
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)

Experian XXXX XXXX XXXX is reporting a XXXX XXXX that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.
Consumer complaint received 2023-06-07
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. (FL)

Re : Unauthorized Credit Inquiry Dear Equifax, I recently received a copy of my credit report. The credit report showed a credit inquires that I did not authorize as shown listed below. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file as it was not done by me and is fraudulent. 
I have sent this letter certified mail also because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. According to the F.C.R.A. Legally these unverified and unauthorized items must be removed. 

Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting. 
XXXX  - XXXX XXXX XXXXXXXX This account was never a charge-off. Account was paid in full. 
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the XXXX timeframe stipulated by the FCRA.
Consumer complaint received 2022-11-27
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: Avant Holding Company, Inc. (CA)

AVANT.com aka XXXX ( who handles the frauds, and also XXXX  XXXX ) I had fraudulent charges made in Virginia on XXXX XX/XX/2022 as a convenience store. These charges put my card over credit limit. I have been trying to get this fixed since around XX/XX/XXXX to no avail. Today, XXXX XXXX, after another 2 hours on the phone and being hung up on numerous times, I was told there was a dispute started XXXX XXXX. 

I need this fixed as it has cost me not only XXXX, but much time and energy. It is also effected my credit scores.
Consumer complaint received 2023-12-21
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. (MN)

Remove all negative XXXX inquiries in XXXX, remove XXXX inquiries from Experian on XXXX XXXX is unknown . Remove address on XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  XX/XX/XXXX {$160.00} ( Remove ). XXXX XXXX XXXX XXXX XX/XX/XXXX {$270.00} ( Remove ) XXXX XXXX XXXX XX/XX/XXXX {$370.00} ( Remove ). XXXX XXXX I finished and sent email to close the account in XXXX, they continue to report was not authorized by me or aware. I have the email ( Remove ) XXXX XXXX XX/XX/XXXX {$200.00} ( Remove ). Capital XXXX XX/XX/XXXX ( Remove ).
Consumer complaint received 2023-11-24
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Remove fraudulent accounts from my credit report.
Consumer complaint received 2023-11-24
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: Experian Information Solutions Inc. (NY)

I received an alert that XXXX pulled a hard inquiry on Experian and XXXX on XX/XX/2023. I immediately contacted XXXX and spoke to representative XXXX ( Employee ID # XXXX ) who advised me that a credit card was approved in my name. She then advised me that it will be closed and an investigation conducted.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (NY)

Mercedes is reporting derogatory account two and three times a month. Recently they reported it on the XX/XX/year> and again on XX/XX/year>. They are over reporting to try to sabotage my credit. Give me my car back since its just sitting in the tow lot. I only know because Mercedes never sent me any communication, so I called the towing company that repossessed my car and they told me its still there as of XX/XX/year>.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Around XX/XX/year>, discover locked my card for absolutely no reason. I even called in ahead of time to let them know about a purchase. I have been with them for two months and the moment I use my card, they want to lock it. So I called in and they told me they couldn't send me a XXXX and lied and said my phone number isn't in their system yet when I have been a customer for two months already, so why would it not be. They also wanted to force me to XXXX verification which at the time I could not do because the camera on my phone was broken. I also asked the rep questions about the selfie and why it's not in the policy when signing up for a discover card, The rep didn't have XXXX an answer for me. I also asked is my biometric data going to be stored, the rep lied and said No the data will be deleted, but when I got my friend 's phone to do the selfie verification, It took me to a third party and that third party stated in their policy that they will store my face for 7 years. I don't know how this is legal for a company to lie to customers on a recorded line, I also recorded the call, so I have proof of this. I still did the selfie as I had no choice, but then discover did the worst thing to me. The rep told me I'm verified and my selfie and identification was accepted, but unfortunately they have to send me a XXXX code and the system is not allowing it. So then why force me to do a selfie and lie to me again and tell me I will be good to go after that and my card will be unlocked!? This has to be illegal for a company to lie and lie and lie and put a customer though so much stress for no reason at all. Then the rep said I will have to do Notary, i don't have time for this. This is so messed up and has caused me a lot of stress and emotional damage because I was supposed to pay an XXXX seller and I already sent him an offer that was accepted. So because of that my account could take a strike and face fees, as I couldn't pay the seller. Discover put me in a terrible situation and I don't want to waste anymore time going to get a notary done, just to be lied to again. I want my card either unlocked or I don't want to do business with discover EVER again. I will want to have the hard inquiry I received from discover removed from my credit report aswell.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WV)

I use XXXX XXXX app and on XX/XX/year> there was a bunch of charges totaling {$4100.00} taking out of my account. I contacted my banking establishment ( Chase ) to filed a claim. They cancelled my claim without notifying me. And when I contacted them for a status thats when I was told. I then contacted XXXX about the charges and they concluded the investigation and said they see no suspicious activity. I then notified my bank again and they started a claim and then it got denied.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation (CA)

I have an old credit card that was closed in XX/XX/XXXX with a balance with XXXX. XXXX then sold the debt to Collectors Patenaude & Felix. In XXXX, they attempted to take me to court to pay for the amount owed. I filed an appeal and won. The case was dismissed. I have worked very hard to pay off all my outstanding debt with different collectors. It is now a good time to contact Patenaude & Felix and try to resolve my balance. I spoke with XXXX XXXX who began to give me a lot of false information. First she said she couldnt work with me until she had proof that I was no longer working with XXXX XXXX XXXX who I previously worked with. I relayed that Ive worked with other debt collection companies and no one has ever said this so then she changed her tone with me once I verbally told her I was not working with them any longer. Secondly, she said that her company filed a suit against me and its ongoing so she can not work with me. I told her that the case was dismissed because I appealed it. She said she didnt have that information and asked me to fax her my documents saying so. I said it was public information and she can look it up. Third she said that legal action can still be taken against me. I relayed that it has been over 4 years since the account was closed and that the statue of limitations was over. Fourth I said that I am aware that there is a balance sitting there. When my card was closed it was {$1500.00}. My credit report shows {$2000.00}. She said her system shows {$3500.00}. I asked that since this account is very old, if I can resolve it with {$1000.00}. She said no. I am also aware from working with another collections company that since the statue of limitations is over, that the collection company can not negotiate any longer and that the consumer can offer an amount to resolve the account. XXXX XXXX was not hearing any of this. All she kept doing was threatening me with legal action because her computer showed that something had been filed and it was still ongoing.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (CT)

On XX/XX/year> I received a debit card from Cash APP. This is the second time in 30 days an account was fraudulently opened in my name. I have never used CASH APP NOR WILL I EVER use their banking services. We spoke to XXXX to have the account closed and once again they refused to do this over the phone, they will only send an email. We provided my email multiple times and still have not received an email to close this account. My credit is frozen, my SSN locked, and I have a security freeze in place with XXXX yet someone is still able to open an account in my name with CASH APP for a second time. Please see complaint XXXX. Cash APP refuses to block my information to be used to open a new account. XXXX also hung up on us at business closing time so now we are unable to resolve this timely.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing this complaint to express my utmost frustration and disappointment in your bureau 's failure to address and rectify a significant discrepancy in my credit report. It is disconcerting that your bureau has not taken action, especially when OTHER MAJOR CREDIT REPORTING AGENCIES, XXXX AND XXXX, HAVE PROMPTLY CORRECTED THIS ERROR. The account in question is related to XXXX XXXXXXXX, with the account number XXXX, opened on XX/XX/XXXX, and carrying a balance of {$14000.00}. XXXX and XXXX have acknowledged and resolved the inaccuracies associated with this account, demonstrating that an error was indeed present. I have previously provided your bureau with a police report from the XXXX XXXX XXXX XXXX, filed on XX/XX/XXXXXXXX  with report # XXXX. Additionally, I submitted an FTC report with report # XXXX. DESPITE THESE EFFORTS, YOUR BUREAU HAS FAILED TO REMOVE THE INACCURATE ACCOUNT. This letter serves as YOUR FINAL OPPORTUNITY TO RECTIFY THIS SITUATION BEFORE I PURSUE LEGAL ACTION AGAINST ALL PARTIES INVOLVED, INCLUDING YOUR BUREAU, for violations of the Fair Credit Reporting Act ( FCRA ). I DEMAND THE IMMEDIATE REMOVAL OF THE XXXX XXXX ACCOUNT FROM MY CREDIT FILE, as its presence is a direct violation of my consumer rights. FAILURE TO COMPLY WILL LEAVE ME WITH NO CHOICE BUT TO PURSUE LEGAL ACTION AGAINST YOUR BUREAU. I WILL NOT HESITATE TO SEEK DAMAGES FOR THE HARM CAUSED BY YOUR NON-COMPLIANCE WITH THE FCRA.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

I had my credit at XXXX suddenly low for the use of a card for {$150.00} when its limit is {$1000.00}, 22 points of my credit went down, this affects me now that I want to get my house, XXXX  and Equifax did this by mistake there was no excessive use of credit.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Out of the blue RADIUS GLOBAL SOLUTIONS placed a debt of XXXX on my credit report. I have no knowledge of this debt, the only hint I have is it states the original creditor was XXXX. I have not used XXXX in probably a decade. There was no attempt to communicate with me, no mail was received. There is no proof that this is a valid debt. I believe this company has tried to place this on my report to create a hardship in the hopes that I would just pay them. I am requesting they provide proof of this debt to prove it is valid.
Consumer complaint received 2023-04-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (TX)

The student loan does not belong to me nor have I personally requested a loan after XXXX. I have one with a private company ( XXXX ) and I am in payments with them. I do not have additional loans that I requested and it shows I now have more open loans. I now show I have 4 additional loans open in XXXX. I completed my education in XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (CA)

I believe the account is invalid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX need to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo offered me a predatory credit card when I was only XXXX XXXX XXXX with very high interest rates and a very high credit limit. They intentionally mislead me and trapped me in debt for many years.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A company called XXXX XXXX XXXX XXXX XXXX XXXX Falsely claimed they suspended my car registration. I paid almost XXXX in fees and penalties and they had no authority to lift the suspension. I later found out it was XXXX ny that suspended my registration and I had to pay them XXXX, which then lifted my suspension. I contacted my bank which is Bank of America and filed a claim. In about 7 days they denied my claim and I couldn't get my money back.