davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

This debt collector engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-22
Product: Credit 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 (NY)

My insurance company uses a third party vendor for roadside assistance. The vendor 's name is a XXXX. 

XXXX  Mistakenly build my credit card at capital one. They sent me a letter saying they won't refund the account until I cancel my dispute with capital one. I forwarded the letter to capital one and they have received it. However capital one will not honor my request to continue the dispute with the vendor. They have arbitrarily closed my case even though I sent them the letter where the vendor says they charged my account in error Capital One 's refusal to take my complaint seriously in light of the evidence I have provided Is a clear-cut example of capital One 's failure to take this process seriously...
Consumer complaint received 2022-11-15
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. (GA)

transunion added a incorrect missed payment from XXXX XXXX to my report last month of XX/XX/2022, since then it was removed and added back for a different month XX/XX/2022. 


I will upload factual dispute with other docments to ensure im protected as a consumer under fcra law.
Consumer complaint received 2023-09-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received an American Express Virtual Reward Card in amount of {$29.00} which supposedly can be used with any merchant but no matter how many times I try to use it less than the value, it is still getting declined. The only transaction going thru is the security charges which doesn't mean anything to me. I am getting tired to trying to use this card.
Consumer complaint received 2023-06-16
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. (TX)

I noticed unauthorized inquiries on my XXXX and TransUnion credit score report. i know nothing with regards these transactions. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX which is a XXXX party company XXXX  ( stole ) my vehicle on XX/XX/2023. I was not given proper notice from the original creditor, PenFed Credit Union which a complaint will be filed against them as well. I did not receive a letter from PenFed the original creditor until on or about XX/XX/2033 and it is dated as mailed out XX/XX/2023, however my vehicle was repossessed ( stolen ) on XX/XX/2023. PenFed Credit Union gave XXXX XXXX XXXX which is a XXXX party company all of my personal information without my permission or authorization. I never entered into any contracts or agreement with XXXX XXXX XXXX so PenFed provided my personal information to this company which is a violation. I did not give them permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. 

There are things PenFed never disclosed to me in my original contract including they did not give me notice of my right to recission, they are reporting late payments on credit report and using unfair practices. Penfed failed disclose many things to me which are outlined in the letter that was mailed to PENFED on XX/XX/2023. They are threatening to sale my vehicle on XX/XX/2023 without giving me time to respond or dispute and failure to give me any notification prior to illegally stealing my vehicle. 
I
Consumer complaint received 2023-06-20
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (TX)

I told the Experian, XXXX, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX  XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX  XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.
Consumer complaint received 2024-03-15
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. (MI)

Goodevening ; I have found on my credit report inquiries that do not belong to me and I have asked EXPERIAN XXXX AND XXXX TO REMOVE FRAUDALENT inquiries XXXX CARD SERVICES ( bank ) XX/XX/XXXX, XXXX XXXX Finance ) XX/XX/XXXX, XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX ( Construction ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX, XXXX The berau companies have recently have a settlement for not complaying with federal law and removing fraudalent things out of peoples report and now they doing it again by not letting me get a mortgage with this inquiries that are fraudalent. I ask please to remove all those inquiries that are not mine
Consumer complaint received 2023-11-22
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. (NY)

I called XXXX  and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CO)

I had a leased vehicle that I returned to an authorized dealership listed on Ally Auto 's website on XX/XX/XXXX. I never heard from Ally bank ( they held the lease agreement contract ) after I returned it. As this was my first lease, I assumed that was normal. 
XX/XX/XXXX, a repossession agent came to the door looking for the vehicle. I contacted Ally to let them know exactly where the car was returned, with a screenshot of the dealership information including contact info & address. 7 months later, XX/XX/XXXX, I get a " bad debt charge off '' from Ally bank assigning the {$28000.00} balance for the vehicle to me. My credit dropped XXXX points. My husband 's dropped over a 100 points. 
There were several attempts over the course of XXXX from the Dealership General Manager trying to contact Ally .... with no answers. He also thought it was odd that no one was looking for the car to recoup their investment. Despite all this nonsense, I found the car in two phone calls. One to the XXXX at the dealership, and another one to the towing yard where it was eventually relocated. Evidently the car sat at the dealership for over a year. He needed to move it for addituonal room on the lot, so he had it towed to another location. 
Ally Auto never returned my voicemails and only responded to my emails with generic " We received your message. Due to the nature of this request, we need to speak with you by phone. '' I've wasted time and energy trying to accommodate and rectify this predicament only to be ignored. 
I initiated a dispute with XXXX, " resolved, consumer disagrees ''. This seems extremely unethical. They essentially accused me of Auto theft and ruined my credit. Ally knew where the car was located the whole time. The towing lot stayed that they had just received the vehicle within the last week and had just sent a letter to Ally Auto notifying them. The service agent didn't even need the vin number because he knew exactly what car it was. He even stated that the whole situation sounded weird ... ..that the car sat at the dealership that long without anyone claiming it.
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: EQUIFAX, INC. (GA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NJ)

Since  XX/XX/XXXX  I 've been contacting  American Express S erve card regarding a dispute for {$400.00} against  XXXX   XXXX . First  XXXX  made credit arrangements with me and gave me the opportunity to a faster internet speed, that would not cause any interruption to my services and would be updated easily, only to come home one day to have no services and was advised by  XXXX  that this was totally their fault, but I would need an ONT box in order to get my services back on, this was a ploy by  XXXX  to get me to take on more services, at a higher price even though I request several times for them to cancel the order and was persistantly told that there was no way for them to do that, that the only recourse I had was to accept the ONT box, long story short it took 12 days to get this resolved. I made the {$400.00} payment on Friday and on Monday, my service had once again been interrupted and  XXXX  wanting more money. I even spoke to a supervisor from  XXXX  who said and I quote " what you want your services back on, your not getting them unless we get paid '', she was heartless she did n't care about the previous issues that  XXXX  took responsibility for, she told me if I cancel the service I had to pay the termination fee, which is now over {$1300.00}. I contacte d Amex Serve to disp ute immediately, who advised they would e-mail me a form and I could upload to their portal, which I did, when checking up on the dispute was advised nothing was recieved, they asked me to fax, which I did, once again advised nothing was recieved. Disputed again in  XX/XX/XXXX , they closed my case without a response, in  XX/XX/XXXX  I wrote them a letter and today I recieved a response that the claim is too old and they are unable to resolve.  American Express Serve pr omises their clients that this cards works with the same values as their regular card, which I believe means these charges should have been reversed, but never were. I want my {$400.00} credited to my account, I want sanctions brought against both American  Express and  XXXX  for " acting in bad faith '' and I want the termination fee that   XXXX   XXXX   is charging me to be reversed as well as any additional fees they charged me in relation to their own negligence in a bid to get more money out of customers.
Consumer complaint received 2024-03-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.
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. (GA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-03-15
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. (MI)

To all the credit berau XXXX XXXX AND EXPERIAN, recently they have been into a settlement for doing all this kind of fraud by not removing information that is not mine of my credit report as this inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. All this inquiries are fraudulently done and needs to be removed of my credit report
Consumer complaint received 2023-08-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-15
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. (KY)

This is my several 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 XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}