davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NY)

RE : LOAN XXXX I HAVE NO KNOWLEDGE OF THIS LOAN FOR {$86.00}, WHICH WAS TAKEN OUT OF MY CHECKING ACCOUNT, WHICH WAS UNAUTHORIZED. THIS AMOUNT WAS TAKEN OUT 3 TIMES. I CALLED XXXX XXXX AND THEY DO NOT HAVE KNOWLEDGE OF THIS LOAN. OR HAVE MONEY THAT AFFIRM PAID THEM THERE ARE NO MONEYS DO THEM.EITHER. 
AFFIRM IS TAKING UNAUTHORIZED FUNDS FROM MY CHECKING ACCOUNT. 
I WOULD LIKE TO KNOW WHAT THEY CLAIM THE LOAN IS FOR..

AFFIRM CALLS IT A VIRTUAL CARD LOAN.

THEY CLAIM I AM RESPONSIBLE FOR IT, BUT I DONT KNOW WHAT ITS FOR.

I WISH SOMEONE WOULD INFORM ME.

HOW DO THEY EXPECT ME TO PAY FOR SOMETHING WHEN I HAVE NO CLUE WHAT ITS FOR? 
WHEN I GO ONLINE TO AFFIRM WEBSITE A GET A MESSAGE MY ACCOUNT WITH AFFIRM IS FROZEN. When I CALL I AM ON HOLD FOR HOURS, AND THE REP DOESN'T COMPREND WHATS GOING. CLAIMS THEY ARE ESCALATING IT. THIS IS GOING ON FOR MORE THAN 2 MONTHS. 
I BELEIVE THIS IS A FRAULENT ACTIVITY BY TAKING FUNDS OUT OF MY CHECKING ACCOUNT. 

AGAIN I CAN NOT UNDERSTAND WHAT THIS LOAN IS FOR, MAYBE SOMEONE WILL FINALLY LET ME KNOW. XXXX XXXX XXXX KNOW XXXX HAVE ALSO MADE AN UNAUTHORIZED WITHDRAWAL FROM MY CHECKING ACCOUNT OF {$10000.00} TO OPEN A SAVINGS ACCOUNT WHICH I KNEW NOTHING ABOUT. 
I ONLY FOUND OUT WHEN I WAS GOING OVER MY CHECKING ACCOUNT. I DONT EVEN HAVE AN ACCOUNT NUMBER FOR THIS..I AM MENTALLY AND PHYSICALLY EXHAUSTED FROM THIS ORDEAL
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX took out three credit cards in my name with out my knowledge even signed my signature. 
XXXX. Amex for XXXX. I found after card was 90 days late paid the XXXX balance and closed it. paid and closed XX/XX/23 XXXX. XXXX XXXX for XXXX I found out about this file after it was in collection. 
XXXX XXXX for XXXX paid and closded after 30 day late on XXXX
Consumer complaint received 2023-06-14
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. (AL)

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 letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
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. (SC)

XXXX XXXX has been reporting inaccuracies on my credit report for years and needs to be removed IMMEDIATELY! They are continuously reporting as a Charge Off and when asked for debt validation, they'll send statements and a XXXX XXXX mailed to an unknown address. I've been living in my house almost 3 years ( XXXX XXXX XXXX ), an apartment prior to that ( XXXX XXXX XXXX ), and with my parents ( XXXX XXXX  XXXX XXXX ). They are intentionally ruining my finances.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom this concerns, I have been unable to reach your company in regards to the effects of identity theft. As I am a victim of identity theft. I learned when attempting to open an account with you that my identity had been used to open what appears to be a checking and savings account. 

I have reported this identity theft to the FTC. I have not ever opened a checking or savings account with capital one. I would like to in the future as I have had auto loans and other products there in the past. It appears this checking and savings account were opened online per your fraud department. Once again I did not open any XXXX accounts ever at your bank. I am a victim of identity theft and I would like to know who opened these after my wallet was stolen.
Consumer complaint received 2024-04-12
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. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (KY)

In my efforts to avoid identity theft, clean my credit and bring my information up to date, I explained to XXXX that the XXXX in between my first name and last name is not valid, XXXX has ignored that and everytime I get letters from them, my name is written XXXX XXXX XXXX I sent driving license, social security card, and utility bill and also a notarized letter and the name remains the same My name is XXXX XXXX not XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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)

I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to Experian, explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. 

Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 

Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies on my credit report.
Consumer complaint received 2024-04-12
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. (OH)

On XX/XX/year>, XXXX XXXX  XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX  XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2024-04-12
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ITEMS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The condition of my credit report is causing me significant distress, and my disappointment is profound. The situation is not just highly embarrassing ; it is evident that either you or the company is accountable for reporting this inaccurate information. My history reflects consistent on-time payments, and I have never missed a payment.
Consumer complaint received 2023-08-07
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. (NY)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2024-04-12
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


XXXX and experian are reporting inaccurate information and won't send me the debt verification letters and investigation reports that I have asked for. They are reporting closed accounts and missed payments. XXXX has already deleted these accounts. The reports I've sent are as follows. The law says they only have five days to respond to me in writing about my dispute letters and they are in violation of my Consumer rights and I've been denied va mortgage refinance and personal loans through XXXX XXXX as a result. I demand that these inaccurate information be deleted immediately as it has cause financial hardship on me and my family. See dates on dispute letters. No response or confirmation of disputes recieved with the 5 day window.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (MA)

I am writing to bring to your attention several inaccuracies on my credit report that I previously reported to Equifax on XX/XX/XXXX. Despite the lapse of time, I have not received any response from Equifax regarding the following disputed accounts. I am formally requesting your immediate attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Issue : This account is not mine. Kindly remove it from my credit report. 

XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Issue : The reported balance is incorrect and is causing significant prejudice to my credit reputation. The Past Due amount for a closed and charged-off account should be revised. Please mark this account as disputed. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$280.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : The reported balance is inaccurate. The account is closed and charged-off, and the Past Due amount should not be presented. Please mark this account as disputed. 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Issue : The reported balance is questionable, and the account is presented as closed and charged-off incorrectly. Please mark this account as disputed and verify the Date Opened, Date of Status, and First Reported. 

Additionally, I want to bring to your attention the following accurate information that needs correction : XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$320.00} Issue : This account was never late. Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-04-12
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)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-04-12
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. (AZ)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2023-04-26
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. (IL)

I have reached out to trans union several times regarding inaccuracies on my credit report from a company called XXXX XXXX XXXX account number XXXX. And each time trans union has reported that the account Is accurate I am up loading documents to support that the account should be deleted from trans union. If the account in question can not be verified under F.C.R.A law that account must be deleted
Consumer complaint received 2023-04-01
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. (GA)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX, 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX XXXX open end consumer credit plan as late for purpose.