davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (FL)

There are inquiries i dont recognize that i need removed immediatley. 

XXXX XXXX XXXX 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 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I certified mailed to Citizens Bank auto finance department and they received it on XX/XX/XXXX all required documents and identification required so that they were informed of the account they are reporting on my credit report is fraudulent and I am a victim of identity theft. I demanded that they due a investigation into the matter and remove it from my credit report immediately. They have since sent me a incomplete investigation with partial paperwork going back only 2 years on a account opened in XXXX. They stated that their investigation validated and verified the debt as mine using addresses and other information that does not belong to me. They have since updated my credit report with notes and still reporting the debt. I have disputed this with all three CRA with only to hear back that citizens has verified the debt. I have spoke with them on the phone about this and they are rude and do not care to rectify their mistake. I have been homeless for over two years due to Citizens fraudulent business practices. I have suffered monumental mental health problems due to this as well as not being able to acquire housing due to the damaging info they report on my credit report. I am currently in a XX/XX/XXXX and I have acquired free legal council on this matter and will be moving forward with a lawsuit. This Bank will be held responsible for their actions if its the last thing i do.
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CA)

I called waypoint directly and they had no record of an account under my name, social, or phone number, once I told them it was a XXXX debt that gave me a number to call at XXXX. I talked to someone there and was told they have no record of my account ever going to collections. I have disputed this account with all the credit bureaus and they all have removed it but XXXX. They keep coming back with it being a legit debt and update the account with a number I can call. I have called this number over and over and it doesnt lead anywhere. No one ever picks up. I want this taken off all bureaus since its not accurate. The debt doesnt exist
Consumer complaint received 2023-12-07
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. (KS)

Several items that have been dropped from my credit report, due to time, and/or winning a dispute, annotated by other reporting agencies is not being updated on my Experian credit report.
Consumer complaint received 2023-12-07
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. (OH)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC (NY)

This us my second time filing a complaint against this company over 6 months ago I opened a dispute and the associates closed my dispute claiming merchant submitted a refund for merchandise on never received and that was a blatant lie! I showed proof and submitted this to Dave bank and they're still giving me the run around. This bank shouldn't be in business
Consumer complaint received 2024-05-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (DC)

When my lease expired on XX/XX/2024, my remaining balance of {$120.00} at my apartment building ( XXXX  XXXX ) was sent to a collection agency called Resident Advocate. Resident Advocate gave me 60 days to pay the debt ( until XX/XX/XXXX ). 

I mailed a check for {$120.00} to Resident Advocate 's po box . The XXXX tracking number that I received for the letter shows that it arrived on XX/XX/XXXX, 5 days before the account was set to close. Resident Advocate did not process my payment during this 5 day period. 

On XX/XX/XXXX, Resident Advocate closed my account and moved it to a new collection agency called Hunter Warfield. 

I have asked Resident Advocate to recall my account from Hunter Warfield and to process my payment, but they will not agree to do this.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act CAPITAL ONE has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (CA)

This is my 6th 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 XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

To VISA Debit Card ... XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Invoice ID XXXX Transaction ID XXXX My XXXX XXXX XXXX account has not received the refund, to my understanding this payment was made via PayPal
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

Aggravated identity theft is a crime under 18 USC 1028 ( a ) Using my information without my consent. 15 USC 6802 financial institution may not disclose non-public personal information to a non-affiliate third-party unless they give the consumer the opportunity to exercise their rights to opt out and a privacy notice.Ive sent a cease and desist letter to sunrise credit service Inc. demanding they close this account in all three credit reporting agencies. sunrise credit service Inc. has not validated or verified this account. I am not sure if they intended to, but they are still reporting on all three credit reporting agencies. in violation of Gramm-Leach-Bliley Act. privacy rule, safeguard rule, pretexting provision. Prohibiting deceptive methods of obtaining personal financial information..
Consumer complaint received 2023-04-13
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. (IN)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NH)

Im trying to order cable tv for my home ... they cant pull my credit because of a credit freeze placed on my account. I did not place this on my account. I have tried calling the numbers for Experian and online, however the online site comes up with an error and call 1-888-EXPERIAN ... I call that and its a loop ... Press 1 for freeze and fraud and then press 1 to place a freeze on your account - I dont want to place a freeze, I want to remove it .... 

I have tried getting to an operator and there is no way to contact operater .... 

I have spent several hours over the past few days trying to get this removed - JUST FOR XXXX TV!!! This is XXXX
Consumer complaint received 2024-05-23
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: BARCLAYS BANK DELAWARE (NV)

I made a purchase over phone from a telemarketer which claimed to be working for a travel agency. They told me they would sell me a travel package for multiple vacations for {$670.00}. I made the purchase and requested a receipt for my transaction. They never provided me with any proof of purchase and later contacted me requesting more money. 
I reached out to my bank to block my credit card number provided and submit a dispute in late XX/XX/XXXX. The charge was removed from my account at that time and later put back on the account in XX/XX/XXXX. 
I informed my bank, Barclays that the merchant was not honoring our verbal agreement nor did they provide me with any goods or services. They told me they would submit a dispute on the transaction again, and then began to refer me back and forth between their fraud dept and dispute dept. 
I was bounced back and forth between different departments regarding this transaction over the past couple of months and today was told that I will now need to submit a written and signed letter via postage to the disputes department, in order to see if they can now possibly re open my dispute on the same transaction.
Consumer complaint received 2023-12-07
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. (NY)

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Incorrect Please remove it from my credit report
Consumer complaint received 2023-12-07
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. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate 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 Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2023-05-15
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. (DE)

I disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried several times in the past two years to clear up a bogus delinquent account and gave up in frustration with getting the corrected in the credit reporting agencies! I tried again just this week and again I am blocked at step one, verification of identity! Their procedure is so arduous that no normal person can complete it! 

I have completed the forms online, only to be faced with a gauntlet of loan questions about venders going back TWELVE YEARS! Who remembers lenders from that far back?! Of course, that failed, as was clearly intended so on to second step, where I submitted photos of Drivers License, Social Security card, and auto insurance statement that too was rejected, with no reason given! 

Finally called them, went through the who thing again, and finally said my credit details would be sent to me, great! But all I got in the mail was a postcard telling me AGAIN that I had not provided sufficient identification information, PLEASE START THE PROCESS OVER! By sending all the information to them by mail, BUT THEY DID NOT PROVIDE ANY ADDRESS, CONTACT OR REFERENCE NUMBER to allow me to do that!
Consumer complaint received 2023-04-27
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. (TX)

This is my fourth 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 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
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 


1. XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX XXXX XXXX XXXX XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (IL)

To Whom It May Concem, West Lake Financial Services I am writing to you to request a goodwill adjustment for a late payment that is on my account XXXX XX/XX/XXXX. Account # XXXX I always make my payments and make every effort to fulfill my financial responsibilities, but the past few months have been hardship for me. 

At the time of these late payments, I was laid off from my job due to unforeseen issues, and still made the effot to make my monthly payment although I am still out of work. I say not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical creditworthiness. 
I have been a happy customer since XXXX and I hope to a long relationship with your company. I hope that you are willing to work with me on erasing the marks from my credit reports. 

I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments. 

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( A1 ), a consumer report does not information solely as to transactions or experiences between the consumer and the person making payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not tre ra payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request. I look forward to your reply.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.