davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one keeps calling me after I told them to only contact me through mail. I asked them to correct the information on my credit report as it is incorrect and goes against FCRA and its my right to have a correct credit report. This account shows as a charge off as bad debt but yet has a past due balance of XXXX and they continue to call to get money after they have already charged it off on XX/XX/
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been working hard to clean up my credit report after discovering that I was a victim of identity theft. I have provided all the information requested by the credit bureaus to include FTC report, police report, and Government ID for them to block/remove the fraudulent account from my credit. I have asked all three credit bureaus for more information on why they have not blocked XXXX XXXX XXXXXXXX XXXX XXXX  from my account. None of the companies have been able to help me or assist me. 

They state that XXXX XXXX XXXX XXXXXXXX XXXX XXXX verified the account as accurate, but I do not understand how they could have done that. I have also gotten XXXX help from XXXX XXXX XXXX and they have not been able to provide me with any information even after I have sent them letter disputing account.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

There is a charge-off showing on my credit report from XXXX XXXX XXXX that should not be, I was in a wreck, and I didn't find out there was a balance until the insurance company submitted the check! I have attached all the paperwork with this complaint, that show and prove that the balance was paid in full! Please remove this charge-off from my consumer report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-01-31
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00XXXX XXXX XXXX XXXX XXXX XXXXnce : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the account listed is deleted IMMEDIATELY!
Consumer complaint received 2024-01-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-02
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. (NV)

I am writing to express my deep concern and frustration regarding the ongoing dispute with Experian regarding inaccurate accounts on my credit report. Despite providing evidence and documentation proving that these accounts are not mine, Experian has failed to take appropriate action within the designated timeframe. 

It is alarming to note that Experian has exceeded the additional 30 days they requested for investigation without providing a resolution to this matter. This prolonged delay is not only detrimental to my creditworthiness but also has severe implications for my financial stability and overall quality of life. 

I want to emphasize the seriousness of this situation. By allowing these inaccurate accounts to remain on my credit report, Experian is not only violating ethical standards but also infringing upon my rights as a consumer. This is a clear violation of industry guidelines and regulations, and it is unacceptable that Experian is not complying with the same standards they impose on others.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (SC)

On Friday XX/XX/XXXX I randomly received an email from Credit Karma stating my Money Spend account was frozen and to contact support. I contacted customer service to find out why it was frozen and no one could tell me why. I then asked how long the issue could take because I needed access to my funds. Once again nobody has a standard timeframe on anything. I contacted them multiple time to try and find out what made them freeze my account and kept getting the same response of they dont know why and a special team is investigating and Ill hear back. I called by phone and requested a supervisor who couldnt answer my questions either. I expressed to them I needed to speak with someone who does has answers because I needed access to my funds to pay bills and need to know why it was frozen and what needed to be done. Still no resolution. I asked them how much is there to investigate when the only transaction on the account was a direct deposit that hit the account that very same day. I told them the name of the deposit, my fiancs name ( his direct deposit ) and told them his address ( which is the same as mine, address thats associated with my credit karma account ). The supervisor even hung up the phone in my face which is very unprofessional. Here it is over 24hrs later and I still cant access my funds nor does anyone still have any answers. I have XXXX kids, XXXX who are still in diapers/pull-ups. This is a huge inconvenience and a company shouldnt take this long to resolve issues concerning members funds. This jeopardizes peoples livelihood when you cant even purchase necessities to live on a daily. They need a better and quicker process on how they handle this.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2024-04-02
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)

In accordance with the Fair Credit Reporting act. The account for XXXX XXXX XXXX  is fraud and has below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ; 60 days past due ; OpeXXXX date XX/XX/2021 ; XXXX. I have never been affiliated with this company. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Additionally, I don't know this debt.

U.S.C. 1681 c ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s22 ( A ) ( 1 ) A persons 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 2023-11-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I bought a {$50.00} American Express gift card from XXXX. Tried to use it and every transaction keeps getting declined. I tried to use it on XXXX, pay towards my internet bill, pay towards electric bill, and XXXX 2 more times. I called the number on the card and no option to get a customer service representative. I log in to check the balance and it says the card is active but it has now taken XXXX cents for every declined transaction. So now it has {$49.00}. I found a different phone number and spoke to someone and they said just keep trying different vendors or in person purchases.
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (GA)

For several years we have been paying on a home equity loan with Wells Fargo. Despite many, many payments, the loan has not seemed to decrease. Recently, there has been a huge increase in fees and payments which we can not afford. On XXXX, on the phone with a customer service representative, I asked for both help and a list of all of the payments made on our account. Neither have been provided. I did receive a letter that help was denied, but I never spoke to anyone after that, so I don't know how they made their decision. We have literally paid on this loan for 15 years or so, I want to both know where that money has gone and to get our payments manageable again. Please help.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XXXX  I filed a dispute for a XXXX transaction that did not go through for {$150.00}. 
I sent an email to the XXXX with the screen shots of the {$150.00} transaction that did not go through, but was deducted from my account. 

XXXX, refunded the {$150.00} on XXXX, but I was not able to accces the funds because Huntington had already forced closed my account. They felt that the dispute I made was fraudulent, per the fraud employee I finally talked to on Wednesday morning, XXXX. 
She tells me I have to go to a branch to get the remainder of my money. 

I find out when I get here, there was a dispute filed for {$150.00} ATM transaction. I did not file a dispute for that. But, Im assuming, because of that error in proper listening, it looked like I was trying to deny a {$150.00} ATM charge that didnt even exist! So the Disputes Employee messed me up. 
Now I have a flag on my name and credit and I cant get another bank account because of their error. 

Then Im in the branch trying to get my money, and Im waiting 20 minutes before Evey, the teller, comes back to me to let me know why its taking so long. I told her the fraud employee on the phone told me I could come and get my money, but she tella me they have to make sure I dont have any more fees to cover. 
What??? 
Not only has this bank hired incompetent workers that cause my account to get closed, but now I got ta waste almost an hour to get my money from yall. 
I have to mention last week, Thursday or Friday, the bank froze my debit card like 5 times. Claiming suspicious activity. The last time they froze/blocked it it was after XXXX so now I had to wait til XXXX The Next day to talk to anyone to get my card active. 

XXXX so XXXX right now. This is the second bank in two months that I have had to file complaints about. My dad just died. Having to go through this frustration doesnt make life any easier to live. 
This bank really sucks. 
I have been on hold now, after finally getting my money, for the last 20 minutes trying to get answers and clarification. All these phone reps read from scripts and dont listen! Dude Im talking to now, or better yet waiting for to come back online, asked me was I calling about my blocked card? I told him Im calling to get to the fraud and dispute line, and he kept saying I understand. But he didnt. 

I want my name cleared of the false dispute charges and I want a letter of apology for all of this frustration and XXXX  that this bank has brought upon me. 
I want the tapes from the call I made on XX/XX/XXXX  to make the dispute, checked and the email I sent to the dispute department found and investigated. 
This is unacceptable! 

I have attached the email I sent to the bank, and attached the two pictures of the failed and refunded transaction from XXXX. 

I filed the dispute before I knew that XXXX was going to refund me. Either way, it was not a fraudulent claim.
Consumer complaint received 2024-04-02
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Not too long ago i saw strange purchases on my credot cards that were not things i myself had purchased. So i had them all replaced and those specific purchases marked as fraud. Then on XX/XX/2023 I noticed a hard inquiry on my transunion account that I had nothing to with. It was from XXXX XXXX  who I have never used so it made no sense why i would have a new hard inquiry from them.