davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-09
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. (TN)

This is my second 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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00}
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-21
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. (AZ)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-09
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: Fidelity National Information Services, Inc. (FNIS) (MN)

Chex Systems , Inc., responded to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023 review CFPB Complaint Number : XXXX in regards to my complaint of the Reported Information of XXXX XXXX XXXX XXXX XXXX, amount : {$16000.00} listed on my Chex Systems Consumer Report ID Number : XXXX. Chex Systems informed the CFPB on XX/XX/2023 that the reported information of XXXX XXXXXXXX XXXX XXXXXXXX. for amount {$16000.00} was deleted and removed from my Chex Systems Consumer Report, but the reported information is currently still listed on my Chex Systems Consumer Report ID : XXXX.
Consumer complaint received 2018-09-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NM)

We have a contract with XXXX XXXX XXXX out of XXXX XXXX Nevada for 10 years. All of our payments had been made on time. After attending a meeting in XXXX XXXX in XXXX of this year, we were notified of info that we did not agree was a part of the contract we originally signed.. We have made numerous attempts to get in touch with their legal dept to no avail. In XX/XX/XXXX, we stopped making our payments to try and get a response from their legal department. We were contacted by someone from their legal department ( we later found out that it was a paralegal and not an attorney ) and were told at that time that our credit would not be affected as there were questions concerning our contract, and that an attorney would be contacting us to answer our questions. Again, we were not contacted by anyone. We made numerous attempts without any resolution. In the meantime, we saw that our missed payments were referred to Experion. This greatly affected both of our credit scores. We filed a complaint with Experion and we were told that XXXX would not tell them that any such agreement had been made. They said that XXXX 's report was in compliance with the fair credit reporting act and that nothing could be done to change it. We still haven't been able to correct our problem with XXXX.
Consumer complaint received 2024-01-06
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: Paypal Holdings, Inc (KY)

I done filed a complaint once.. 
Venmo keeps freezing my account when I got XXXX kids and bills to pay and food to put on the table.XXXX Im sick of this XXXX
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I deposited a check into my bank account. I have deposited multiple checks from the same company ( XXXX XXXX ) and have never had an issue. Upon deposit of this check the entire amount was held. After calling the bank, Wells Fargo, I was treated rudely and then the woman on the phone proceeded to extend the hold an additional 5 days. They have failed to explain why, after having receiving multiple checks from this company, they have chosen to hold this one. Now my account will be charged additional fees and will be overdrawn for an extended period of time which will also result in another charge. This bank has had multiple infractions for the same type of actions. I will no longer bank here and I dont recommend anyone bank with them.
Consumer complaint received 2023-05-09
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. (NV)

Despite several written requests, the identified account continues to report on my credit report without my consent and in violation of federal law. This account shall be validated as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). In the event that they fail to confirm this account, I will file a lawsuit against them. Please uphold the law so that this matter can be resolved as promptly as possible. 
XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital one closed my secured credit card account with a credit line of {$2800.00} in error on XX/XX/XXXX. I spoke to an agent named XXXX on XX/XX/XXXX, and at that time she was very vague about the situation. She kept me on hold for over 30 mins. When she finally returned to let me know why the account was restricted at that time, she was very vague. She said that I needed to call back the next morning, and speak with another department regarding this issue. I asked her what department should I speak with the next day, and she advised that she was not able to give me that information and to just callback. When I called the following morning, I spoke with a supervisor named XXXX. XXXX advised that my secured credit card account was closed along with several other secured credit card accounts due a system error. She advised that my card would be unrestricted within 5-7 days while they research this system glitch, and I would receive a call and a mailed letter regarding this issue within a couple of days. I called 5 days letter and spoke with another supervisor named XXXX. I advised her that I received an alert about my credit report, stating the account was closed, and my scored was impacted. She apologized for this issue. She said she didnt have a resolution date at this time. She said that they are trying to find out why the system did this to my secured credit card, so that they can either unrestrict the old card, open a new card, and send the security deposit of {$2500.00} that I paid when I opened this secured card in XX/XX/2014. She said they wont be sending back the deposit, or unrestrict the card until they research more. I advised that I had a XXXX balance, and I was planning on using that card for back to school shopping, and to pay some bills. She said they'll see about expediting this matter. It is XX/XX/XXXX, and I still havent received a letter or phone call from Capital one regarding this matter. My card is still restricted. Also, I want to mention that when I opened the account in XX/XX/2014, I was told that it was secured for 12 months of good payments and it would be switched to unsecured and I'd receive my {$2500.00} deposit back. I was never late, it's been open for 4 years, and never received deposit back.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I made a payment of {$500.00} on a credit card with a limit of {$1100.00}. After i made the payment, Bank of America reduced my credit limit and sent an email several days later. I was late with payment because I didnt see how to make the payment through another bank account I have besides Bank of America so I waited until one of my incomes check were deposited into the account.
Consumer complaint received 2023-05-09
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. (NV)

The account stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The 3 Credit Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the listed account from my file. 
XXXX XXXX XXXX Balance : {$890.00}.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OK)

I settled XXXX accounts with XXXX on the same day and call. The representative must have not closed out one correctly. They reflected the XXXX XXXX XXXX  correct. I had to fight to have them fix XXXX XXXX that agent said its recorded I settled all XXXX accounts but the representative didn't close the XXXX XXXX correct nor XXXX. So then they fixed only XXXX XXXX. Over a yr later from XX/XX/XXXX I did all I could to resolve all my debt. Now ever since XX/XX/XXXX community continued to report late & derogatory and not reflect the settlement. It has ruined my hopes of growth again. I can't help my daughter with college due to my continuing late from XXXX. I have spent over XXXX hrs on the phone. Countless calls and now they sold the debt. I filed with credit carma they said it was settled. Still dealing with it all. Please this has just bothered me daily I can't believe they haven't taken the time to look at it logically. Fix this reflect it the way the other XXXX accounts finally show. I am begging for any help. Over XXXX yr later all the late. Thank you
Consumer complaint received 2018-09-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WI)

On XX/XX/2018 I made out check # XXXX to XXXX XXXX XXXX, for {$1100.00}. On XX/XX/2018 my Bank deducted amount from my checking account on XX/XX/2018. The back of the check indicates it went into, NAVY FCU XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX. 
I have called XXXX, 3 times, spoke to a XXXX. My daughter-in-law went to the credit union in XXXX VA. They insist they did not received this money. My Bank official XXXX XXXX XXXX also called this number an got the same answer, My bank has filed a Affidavit of Unauthorized Paper Drafts 0n XX/XX/2018. NO ONE KNOWS WHERE MY {$1100.00} debit went. I need help, I am XXXX years old and was just trying to help my Son and Daughter-in-law out on a fixed income
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has my ability to obtain credit. Under the FCRA, unverified account must be removed and if you're unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX Balance : {$4200.00} Account Number : XXXX XXXX XXXX  Balance : {$7800.00} Account Number : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Red White and Blue Autos, Inc. (PA)

this is a formal complaint tht XXXX  is violating several of my rights. They are still being non compliance and they are in violation of the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. XXXX  credit services account # XXXX latepayment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX Payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MO)

This security agreement between me and ally financial clearly states the applicant and consigner has given an security interest in the vehicle to be purchased. We have not received any such interest. This could only mean the lender is misrepresenting themselves in my security interest which i know to be the highest level of fraud. Not to mention no repossessions notices none of the times you guys tried to steal my property.
Consumer complaint received 2024-03-21
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

Received Form 1099-C With Box 6 being Code G '' Decision or Policy to discontinue Collection '' and Im required to include discharged amount in my income and pay taxes on it. The balance should no longer be reported
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (VA)

I have disputed the items from this company 4 times and asked for a validation of debt to which I have never received. The company is constantly updating the open date of this erroneous item on my credit report to constantly make it look like the account is accurate and new.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

EXPERIAN INFORMATION SOLUTIONS , INC. Is reporting these fraud accounts on my credit report. XXXX XXXX, {$3500.00} XXXX, XXXX XXXX {$5700.00} XXXX XXXX XXXX {$14000.00} XXXX, Experian is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Experian continues to ignore & disobey the law. Experian knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I have cancelled my membership with Experian, why should I pay {$30.00} a month & they don't seem to care about my life. 
Thank You.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIB Group, Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.