davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (PA)

After recent review of my Credit Report, I found an loan account reported in my name for {$5200.00} by the XXXX XXXX XXXX 
I called XXXX XXXX and asked them about this account. They informed me that I was indeed a borrower on this account, along with a relative. I immediately contacted this relative and asked them about this account. They told me that when they got this loan, my information was given to the company as a " Reference Only ''. They were never told that I was co-signing or a borrower for his loan. 
I called XXXX XXXX back and informed them that I had no knowledge of this loan prior to it being taken out, I had a long conversation with XXXX of their Reps, and it was really understood that I knew nothing about nor did I ever give anyone permission to use my personal information to acquire a loan from this company.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi Sirs, Have a problem with Capitol One card. I had it almost two years with payments paid after being posted.. I provided a document with my complaint. I asked Capitol One to increase my limit. they keep on insisting i charged low. However, I charged about XXXX XXXX on the card last month, then i paid it off in full. After that i asked again for an increase. they decline it. This is the problem i have with them. I have to go into dept to get an increase, so they can go after me. I talk it over with others and we both determined it is a scam.I dont like dealing with scammers, It is something how these companies are gettin away with stuff. if nobody deals with them.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX reported my account with XXXX XXXX as closed then opened the account back up on my report without my consent and I opted out of XXXX XXXX  reporting my personal information and they are still proceeding to share my personal information violation under the privacy act of 1974 and a violation to the FCRA unfair and inaccurate reporting please make sure the company does an investigation thoroughly to acknowledge my claim I hereby claim that the foregoing statements are true an correct under the penalty of perjury
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: LAKE MICHIGAN CREDIT UNION (MI)

On XX/XX/2023, Lake Michigan Credit Union charged me three ( 3 ) overdraft fees for payments that were already deducted from my positive balance. These payments each were for {$30.00} which totaled {$180.00} they stole. I called Lake Michigan Credit Union four times, three times on XX/XX/2023 and once on XX/XX/2023. Additionally, I went to their XXXX XXXX, Mi branch on XX/XX/2023 and spoke to their representatives. I showed their XXXX proof that the money was already deducted from my available and positive balance. They refused to refund me. I called and emailed XXXX because the overdraft fees stemmed from my payments to them. They confirmed that my payments were deducted from my account with them on XX/XX/2023. Lake Michigan Credit Union is committing fraud by using their courtesy fee system to steal money from its members. I would like my {$180.00} refunded from them.
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (CA)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights.

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX  # XXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX violated my rights. 

15 U.S C 1681 section 602A States I have the right to privacy 15 U S C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

When I called XXXX XXXX to ask them to help me remove this account from my credit profile. They had absolutely no idea about this account. They said that they didnt have any records of this account in their Database. 

Then they asked me a lot of personal questions. They asked for my Name, my Address, and my Social Security Number. Then They Pulled My Credit Report Without My Permission. After that they said that they see it on my credit report and that if its on my credit report then it is possible for the account to be true even though they dont have a record of it in their Data Base.

Im a consumer in the middle of these corporations being wrongfully done with no help. I Even Asked the Credit Bureau to delete the Inquire because I did not give my permission for them to pull my credit report and They Wont. They didnt Even Ask me if they could pull my credit report. They just asked me for my Social Security Number which I thought they was just going to use it to check their records to help me get this off my credit report. Instead without my permission they pulled my credit report and said that they see it on my credit report and that if its on my credit report then it is possible for the account to be true even though they dont have a record of it in their Data Base.

Now I have a Inquire and this account that needs to be deleted from my credit profile. FCRA violation, XXXX XXXX, Please remove this account from my credit profile 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Please remove from my credit report Thank you for your help regarding these issues.
Consumer complaint received 2024-03-18
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX XXXX 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 2023-05-22
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. (NC)

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-18
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. (MI)

I submitted a dispute through XXXX and Experian regarding the balance of my closed XXXX account. It shows I owe {$8.00} but I had a check printed and sent directly through my XXXX account to XXXX. 
XXXX shows the transaction is completed ie XXXX cashed the check for {$8.00} so the balance should now reflect that the account was paid and I owe nothing, {$0.00}. 
I disputed the amount on my XXXX account so it would show I no longer owe {$8.00} but XXXX informed XXXX and Experian that the account information they had was correct. It is not. 
I dont owe XXXX {$8.00}. It is paid in full.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 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 2024-03-18
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " XX/XX/2024 '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Consumer complaint received 2023-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act - XXXX. XXXX Acct # XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX Acct # XXXX Section A of 15 U.S.C. 1681 states that I have the right to privacy.

Section 2 of 15 U.S.C. Section 604 A stipulates that a consumer reporting agency can not provide an account without my written instructions.

15 U.S.C. 166b A creditor may not, for any reason, consider payment on a credit card account under an open-end consumer credit plan as late.
Consumer complaint received 2024-07-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (VA)

I leased a Honda XXXX from XX/XX/XXXX through XX/XX/XXXX through Honda Financial Services ( HFS ). On XX/XX/XXXX and XX/XX/XXXX, HFS sent me invoices for {$470.00} and {$390.00}, respectively, for XXXX XXXX Taxes. These XXXX tax invoices were the only property tax bills that HFS ever sent to me during the time of the lease. When I purchased the car in XXXX of XXXX, I had to pay HFS the property tax in order for them to release my title. 

After contacting XXXX XXXX, I was informed that property tax is not charged on personal use vehicles, but is charged to leasing companies, unless they provide an affidavit from the lessee that the vehicle is being used for personal use. The XXXX XXXX representative told me that when an affidavit is completed and submitted by the leasing company prior to XXXX of each year, property tax will not be charged in XXXX of that year. 

Prior to XX/XX/XXXX, HFS had never sent a XXXX XXXX property tax affidavit for completion nor ever indicated that one was due. Since I have no way of knowing that the leasing company is paying a tax or that an affidavit is due indicating the property is being used for personal purposes ( without notification from HFS ), I should not be responsible for paying this tax. Since HFS never timely contacted asking for an affidavit, I should not be responsible for any taxes due. 

Consequently, due to HFSs lack of timely notification, HFS should be responsible for the tax and refund the tax of {$870.00} that it required me to pay to release title to my car when I purchased the vehicle in XXXX, XXXX.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Earlier in 2023 all of my XXXX loans were forgiven as I was part of the XXXX XXXX XXXX All of my loans were XXXX out and this is reflected on my XXXX loan accounts, XXXX, and XXXX. However, it remains on my transunion. Transunion won't allow me to dispute it.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These names, addresses, and employment do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
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. ()

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 Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXXXXXX Balance Owed : {$1700.00}
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2020-09-04
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: Amsher Collection Services, Inc. (NY)

XXXX  These 4 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The 4 Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX {$220.00} 4.  XXXX. {$1100.00}
Consumer complaint received 2024-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TN)

I received a debt collection letter from this company about a balance owed to a doctor Ive never seen or heard of. This same company has hundreds of complaints online from people with the same issue. They are throwing spaghetti at the wall to see who will pay debts they dont even owe and that is not a fair debt collection practice. I am still waiting for verification that I owe the debt although I know it doesnt exist. This company should seriously be looked into by the FTC.
Consumer complaint received 2023-04-18
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. (IN)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.