davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I am again reporting Experian for continuing to report false information without validating the information they receive.

Although I have sent several pieces of documentation to Experian over and over and time again, they continue to allow these companys to insert inaccurate information into my credit file which violated the FCRA guidelines.

I recently submitted a complaint in which Experian came back and responded that " The disputed account information has been permanently blocked at your request, or the accounts do not appear on your credit report at this time. '' The accounts in question were : XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX . 

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 
BOTH ACCOUNTS ARE REPORTING AS PENDING ... .NOT DELETED AS REPORTED TO CFPB In addition to that Experian has reinserted two old accounts : XXXX XXXX XXXX XXXX ( TWO ACCOUNTS ) back onto my credit report after I have submitted documentation showing that these loans were in deferment at the time they are reporting late payments. INSTEAD of updating with the corrected information, they reinserted with the same FALSE reporting -- -which violated FCRA guidelines. 

Experian also reinserted incorrect addresses and names which I have repeatedly informed them were incorrect or non existent : Addresses : XXXX XXXX XXXX XXXX, XXXX TX XXXX ( reinserted ) XXXX XXXX XXXX, XXXX TX XXXX ( non existent ) Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX This is ridiculous that I have to continually fight with this credit bureau because they will not do their due diligence and properly investigate and validate the accuracy of these accounts and my information.
Consumer complaint received 2021-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/2021 I paid XXXX {$2400.00} deposit for a property that I and XXXX other people were going to rent for a that was planned from XX/XX/2021 - XX/XX/2021 with my Capital One Credit Card. I made my last two payments on XX/XX/2021. The first payment was for {$1000.00} and the other {$1600.00} for a total of {$5000.00}. This was for an exclusive upscale house rental for 7 days. The house was very very unsanitary. I contacted the owner, XXXX and after no results Capital One to dispute the charge because of the living conditions we had to settle for. They put in a dispute for the {$1600.00} and said the {$1000.00} was returned for the deposit. They said the could not do anything about the {$2400.00} because it had pass their 6 months return policy and their was nothing they could do to recover my funds.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Account Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX, I canceled my card due to a fraudulent charge and while waiting for the replacement card I saw a pending transaction from XXXX car rental for {$6400.00}. I immediately called CapitalOne Quicksilver credit card and said that these are not my charges and that I never received the replacement card. The credit card rep told me to wait for the charges to be posted on the account and then, call back since they could not do anything at the moment. She also canceled the replacement card. 
On XX/XX/XXXX a charge from XXXX car rental was posted on my CapitalOne Quicksilver credit card for the amount of {$6400.00} and I disputed the charge with my credit card, since I never got this card and never rented a car with XXXX. 
However, the credit card denied my dispute and posted the {$6400.00} charge back to my account, saying that their investigation showed that this was my charge. My request to share the information or documents that support their claim was refused. 
I called XXXX car rental and asked them to share with me the car rental contract that was signed under my name and a receipt for service rendered, but they refused to provide any documentation to me as well. 
I filed a police report for credit card theft and identity theft, since someone had to use my ID to rent a car under my name. The police report was filed on XX/XX/XXXX. 
On XX/XX/XXXX another charge came through from XXXX car rental on the same credit card for {$92.00}. I disputed it with my credit card, but the credit card again denied my dispute and charged this amount to me too. 
Current status : A police officer is working on my case. He requested a subpoena to have XXXX provide all documentation they have in regard to these XXXX charges, but it can take more than a year to get the subpoena, and the charges are due to be paid already.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FRESNO CREDIT BUREAU (CA)

This account is In result to human trafficking. 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking. 
( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

Prohibition on inclusion of adverse information of trafficking victims. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency.

( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and trafficking documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of trafficking in persons or sex trafficking under this section.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MS)

I received a copy of my consumer report and noticed inaccurate information reported. I requested a reinvestigation and that these items be deleted from my credit report on XX/XX/year>. I see that the items are still showing on my credit report. Pursuant to 15 USC 1681 ( a ) Accuracy and Fairness of Credit Reporting, according to the law, before any information is inserted into my consumer report, it MUST be accurate and fair information reporting. I am aware of my rights and know, according to the Fair Credit Reporting Act. That I have a right to challenge anything and everything, that I am unsure of. 
My demands are : For you to provide me the audit trail and this is what I need included in the audit trail : Account file Ledger ALL accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account IMMEDIATELY! 
If you fail to communicate to the Consumer Reporting Agencies that this debt is in DISPUTE, that would be a violation pursuant 15 USC 1692e8-False or Misleading Representation.

The law is very clear as to the civil liability and the remedy available to me, according to 15 USC 1692k. Furthermore, failure to honor this requested DEMAND will lead me to fully intend or pursue litigation in this matter suing your company for actual damages sustained.

Please be aware that freezing this account is not an update to my consumer report.

I am demanding that you reinvestigate this account immediately and respond within 5 business days with update. If you can not provide proof of the reinvestigation, these accounts MUST be deleted, according to 15 USC 1681 Treatment of Inaccurate or Unverifiable information. In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency, shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. 
Thank you for giving this you prompt attention, XXXX XXXX
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yes I have 2credit cards with capital one Bank. I told them I lost mom going thru a hardship. With bills and things. Told them if I could least skip a month payments. Would not accept. I won't be able too pay anything on this months 2payments. Hard too work with them. They have no idea what it's like too lose a parent. Sadd. Also was a XXXX  too my mom for5years. They have no idea what it's like being XXXX with no help from my family.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I notified USAA of fraudulent activity on my checking account in XX/XX/2021- they credited my account the missing funds, then a month later they said they determined SOME of the fees were fraudulent and SOME were not. All the same location and taken the same day. They notified me they were closing the account because I REFUSED to pay them over {$5000.00}. I called more than 3 times to ask why some of the charges were deemed fraudulent and some were not- I NEVER received a response. Now I cant open an account anywhere else.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is my sixth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To whom it may concern, I recently received a copy of my credit reports from all three credit reporting agencies and I noticed some late payments, as well as my utilization posted on my credit report. 

In the United States code, it is not stated that credit utilization nor payment history is included in your consumer report. These are factors of a FICO score, which is independent from your consumer report. 

XXXX XXXX XXXX XXXX XXXX ending in XXXX Late payments ; XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - current date Your company is in clear violation of the law under 15 USC - 1681B labeled under permissible purpose of consumer reports. The law clearly states : IN GENERAL Subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Providing I, the consumer solely with a contract does not satisfy the criteria under 15 USC 1692GB. Any and all written instruction must be clear and conspicuous according to United States code. 

Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) - Exclusions from a consumer report clearly states : ( 2 ) Exclusions - except as provided in paragraph ( 3 ) the term Consumer Report does not include Subject to section 1681s-3 of this title any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; This pertains to the reporting of late payments/ payment history as well as my credit utilization.

Refrain from the reporting of any prior and future payment history, as well as utilization from my consumer report, this company is in violation of 15 USC 1681.

I know my rights as a consumer and this information was furnished with complete disregard to those rights.

Failure to respond satisfactorily ; with deletion of the above reference account information, as well as access to a free copy of my report after the changes have been made, via mail will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : defamation of character negligent enablement of identity fraud fair debt collection practices act 15 USC 1692g violations Fair Credit Reporting acts 15 USC 1681 violations for willful non-compliance and 616 civil liability for willful non-compliance Best Regards, XXXX XXXX Enclosed : copy of ID and social security
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

This account is In result to XXXX XXXX 

1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX.

( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ). 

Prohibition on inclusion of adverse information of XXXX XXXX. A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation as defined under paragraph ( b ) ( 6 ) of this section to the consumer reporting agency. 
( d ) Method of submission to consumer reporting agencies ( 1 ) Mailing and website address. A consumer reporting agency must provide two mailing addresses for a consumer or consumer representative, as described in paragraph ( b ) ( 6 ) ( ii ) of this section, to send a submission consisting of an appropriate proof of identification under paragraph ( b ) ( 1 ) of this section and XXXX documentation under paragraph ( b ) ( 6 ) of this section. A consumer reporting agency may also establish a secure online website portal for a consumer to upload a submission. A consumer reporting agency must accept a submission sent to the mailing and, if applicable, website address used for disputes under section 611 of the FCRA, and must accept a submission sent to a mailing and, if applicable, website address dedicated to blocking adverse items of information resulting from a severe form of XXXX  in persons or XXXX XXXX  under this section.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (WV)

I am in Bankruptcy. My bankruptcy is going through XXXX XXXX XXXX XXXX WV. Before bankruptcy I had used a debt consolidation company ( XXXX XXXX XXXX XXXX in Michigan ) to take care of my credit card debts. XXXX XXXX has been fighting me from the beginning of the debt consolidation. I went to use my checking account this morning ( XX/XX/23 ) and found out that my account had been put on a freeze ( hold ) for {$18000.00}. This therefore put me in overdrafts and can not access the money that originally was in the account. I have called and visited the bank, called the lawyer on the paperwork that was served to me this morning ( XX/XX/23 amount on paperwork is {$17000.00} ). The lawyer 's name is XXXX XXXX with XXXX XXXX XXXX XXXX. I contacted both lawyers ( theirs and mine ) and it seems no one can remove the hold on my account till lawyers meet. This will not happen for several days due to the holidays ( XXXX ). My major complaint is that they accessed my account and put it in overdraft and charged money that I do not owe. This company has not communicated with me in any way whatsoever to try to see if this debt could be resolved before locking my account! I also do not have access to money to feed my children or pay my bills to keep a roof over their heads. Can you please help us.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

The company has continuously called not identifying themselves as debt collectors or an attempt to collect their debt. They received no answer no one says anything when they call and they use the robocall to update credit records as if they spoke to someone. They should not be able to update credit records saying that they spoke to someone for example they have a declared natural disaster written on my credit record no one spoke to me I never declared any natural disaster. This company is making false representations on my credit record updating it monthly is not two or three times a month they didn't buy the debt two or three times a month they have no right to update it to three times a month they've never spoken with me I don't owe this debt and they have been predatory in their attempts to collect the debt that is not old. In this form I'm only allowed to choose one auction at a time but there are many more options if I could choose more than one that I would fill in for them. When I asked for verification and validation of debt in 2019 I received no reply.
Consumer complaint received 2020-09-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Wells Fargo submitted my checks late, even though I mailed them weeks in advance of payments due ; and my payment history shows 180 days past due. This is negatively affecting my credit score.
Consumer complaint received 2021-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

I've been disputing this account with the credit bureau for sometime because there are some inconsistencies in the information reported on my credit report so on XX/XX/2021 I figured it would be better to request the information by phone I called XXXX when I did not receive the information requested by mail from Macy 's and I was unable to get a representative who could gather any information in regards to the account because they state that the account has been archived. I spoke to XXXX who transferred my to XXXX who stated he cant view the account and then he referred me to call XXXX spoke to XXXX who also could not view the account I was then transferred to a supervisor XXXX who also could not locate any information on the file and strangely she referred me to call XXXX to obtain the information. I would like to know when was the date of the last payment on this account? When did the account close? Why are the late payments inconsistent on my report? A closer look at my report also shows different dates of last activity and dates the account was last reported to the credit bureau 's. Please see the supporting documentation attached to this complaint.