davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NY)

looked at my report back on XX/XX/XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to une lair credit reporung act nenever 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. These accounts. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I sent a letter asking them to make sure everything was complete and accurate and here is my tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me an investigation back and said everything is completed and in accurate, check my attachment, everything is not completed and accurate.

according to nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ipromptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2017-04-07
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (TN)

I signed up for a Barclay Luxury Gold card in XX/XX/2016. As an XXXX member of the armed forces, they were offering XXXX bonus points, plus XXXX benefits to include a 0 % APR and no annual fee, and were clear that this would remain in effect as long as I was on XXXX XXXX. One year later, they have changed their terms and are going to charge a {$990.00} annual fee, despite the promise not to do so for the length of my service. Barclay 's specifically targeted XXXX Military with XXXX benefits above and beyond what was required, and once enrolled, are revoking the benefits to charge a large annual fee. Now I must either pay {$990.00} for the card, or pay off the balance and close the card, negatively impacting my credit score. I, like many others, would not have applied for the card if the annual fee was to be charged.
Consumer complaint received 2022-01-17
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. (AL)

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, XXXX and Equifax representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, XXXX and Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, XXXX and Equifax reports that they have verified these accounts are in fact mine. Who at XXXX, XXXX and Equifax verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, XXXX and Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of. My identity has been stolen a while ago someone was taking my mail out of my mailbox I did everything i was told to do and all the things where removed from my credit know they are coming back on my credit this is not my debt. Only thing this company could show me was my address that is all I ask them to remove this because this is not my debt I was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit report without me knowing it.

Jefferson Capital System {$1700.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$540.00}
Consumer complaint received 2023-12-12
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. (TX)

My XXXX and Transunion credit reports are reporting an account in collections from a company named XXXX XXXX XXXX for a debt from another company only identified as XXXX XXXX XXXX. The amount is {$940.00}. This was posted to my account during the month of XX/XX/. I have filed a dispute with XXXX and Transunion online stating that I am not aware of this account/company/debt. Although they communicated back that the dispute was resolved, it is still showing up on my credit report as of today, XX/XX/. I can only assume that someone purchased something or received a loan in my name and with my SSN. I would like this resolved as soon as possible as it is very negatively affecting my credit rating.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: SYNCHRONY FINANCIAL (TN)

Telephones Synchrony Bank to Payoff my Account with a Representative XX/XX/2017. 
They were given the Account Number including my check routing # to Representative however when Representative processed these 2 payments, it came back to Synchrony Unable to Process. 
I learned of this being Posted to All XXXX Credit Bureaus, Seeing the Account in Closed Accounts area with the Remarks " Account closed by Credit Grantor ''. I immediately telephoned on XX/XX/2017 to Discuss the Problem about my Account being closed. At this time I was informed about the Two Payments did n't Process. I inquired why I was not notified by phone or Email when I had made all payments to the account the same way. XXXX in the /customer Service Dept. apologized and Advised me it would be Corrected & sent out t All XXXX Credit Bureaus. 
Upon receiving my letter from Synchrony I went in to Check but only to Find that My Fico Score went from XXXX or XXXX and Dropped to XXXX?? WHY??? It appears that I try to go Forward Only to Find that I Go Backwards..!! Any Explanation as to WHY MY FICO SCORE DROPPED XXXX Points?? I would be Very Appreciative..!!
Consumer complaint received 2023-12-12
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. (FL)

I got a copy of my three consumer report about 30 days ago and I noticed that some accounts were reporting inaccurate information. so I asked Experian, XXXX, and XXXX to investigate the accounts that where reporting inaccurately. the investigation came back verified so I asked them to provide a method of verification because the accounts still were not accurate. they told me they could not provide that information because they just confirmed with the creditor that the information is correct. but the information is still incorrect on my consumer report. this is causing major financial problems for me and my family.
Consumer complaint received 2023-12-12
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. (MO)

For the second time today experian closed another complaint without addressing the issue and giving explanations that have absolutely nothing to do with the problem which once again and still that experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back and is directly negatively effecting my credit
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

" Did you change your mobile number? 

Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts. '' I received an email ( above ) from Capital One at XXXX on XX/XX/XXXX  while out of town at a business event. I raced back to my hotel room to check if my identity was stolen which had happened a month prior with another credit card. 

I logged on to the Capital One to find my phone number had not been changed. I called Capital One customer service and the first rep. denied it was sent, then I spoke to a supervisor and she admitted it was sent but could not explain why it was sent. 

This erroneous email caused me stress and lost time ; as I noted I just had a identity theft breach on another credit card. This is wholly unacceptable.
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. (GA)

I saw a credit inquiry on my consumer file on the Experian report from XXXX XXXX. I sent over a certified mail to the company stating they should delete the inquiry from my credit report because it has caused me harm and I did not give them any permission to do so, I requested a permissible purpose they did not reply to my request. I called Experian and sent over a dispute letter to delete the hard inquiry because it's harming my credit by lowering my credit score and I did not permit XXXX to pull my credit file nor did I have any account with them. Experian deleted the inquiry from my credit file and my score went up, today XX/XX/2024 I checked my credit report on an annual credit report, and saw Experian secretly posted the inquiry on my consumer file, lowering my credit score increasingly. I am just sick and tired of these illegal activities, I do not care how much money they were paid but they are destroying my credit. I want this account deleted. I have the certified mailed stamped as proof I tried disputing with XXXX and got no reply. these co-operations are deceptive and fraudulent.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (TX)

Sezzle was sponsoring an event ( I will provide a copy of the notification that just hit my screen for another one of there event as example ) on XXXX for a company called XXXX. This shopping spree gave away gift cards at different denominations during event. I placed an order for an XXXXXXXX XXXX and XXXX XXXX I when back to the event which was still in action. Something seemed strange as other items coming out looked very cheesy, not a popular item nowadays at all for the prices. I XXXX  what the watch and XXXX glasses were worth and compared this to what the XXXX website was selling/comparing them too. They had inflated the cost compared at making a person believe it was worth it. I immediately same night canceled order. The next morning XXXX stated they do not process cancellations, exchanges or returns. I should have purchased their recommended partnership insurance called XXXX XXXX XXXX ( available at select checkouts ). Now I have to advise both Sezzle and XXXX  my bank return the 1st installment for this order back to me, the company was flagged under FRAUDULENT ACTIVITIES AND BLOCK FROM any future deductions and DO NOT PROVIDE THEM or any company the key to your account which is the routing and account number. Advised both this is also a problem and I still havent received the item I tried to cancel and now they will not be able to deduct for the order. Contact with 2 Sezzle reps XXXX and XXXX who suggested to extend due date out. Nobody has an answer but my bank. That answer is they will NOT have access to your account at all! I am now in receipt of the package. Problem now is that I am XXXX and I cant get out to mail this package back until I receive my benefits to be able to pay for shipping etc. All they had to do in the XXXX place was cancel the order it had NOT been shipped yet. I label this as PREDATORY LENDING. The items were of bootleg types, cheap, and fake! The XXXX sunglasses were not of quality at all! I have made XXXX purchases before and these must have came from the XXXX XXXX  and them redesigned with the XXXX on the side, RIDICULOUS!
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. (FL)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-12-12
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. ()

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX, Has violated my rights.

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (CA)

In XXXX, XXXX,XX/XX/XXXX, and XXXX, XXXX, XXXX and XX/XX/XXXX, I had late payments on my student loans when I was unemployed, still in school or barely making any money. As of XX/XX/XXXX I have paid all of my loans in full. I called MOHELA on XX/XX/XXXX and they said I need to file a complaint/dispute with them so they can investigate further into the exact reason I didn't pay on the intended date and then they can perhaps proceed to remove my bad credit on my report.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I ordered a copy of my report on XX/XX/2022, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/2022, XXXX XXXX Experian XXXX XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these reporting Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$420.00}
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX reported to all three bureaus XXXX experian and XXXX hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have asked XXXX to correct my public record showing XXXX XXXX which was filed XX/XX/2023 and discharged XX/XX/2023. Credit report is constantly reporting bad debt and late payments despite the law of bankruptcy and filing. My rights to restart or stop negative reporting have been violated. I sent in several disputes.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Report Act, XXXX Account numbers : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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  have violated my right to privacy . 15U.S.C. 1681, Section 602A ( as listed below ) states that I have the right to privacy. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, 15U.S.C. 1681, Section 604A ( as listed below ) states that a consumer reporting agency can not furnish an account without my written instructions which I have not provided.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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 instructions of the consumer to whom it relates.
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TX)

On XX/XX/XXXX  TrueAccord Debt Collector sent me an email, stating they are trying to collect {$100.00} from me on an account that I was never on. The account that they emailed me to collect on was my boyfriends account that has a XXXX balance. The XXXX balance for this account has been confirmed with XXXX, ( XXXX XXXX ). 
This account was opened by my boyfriend before I knew him. XXXX  had an issue stating the equipment was not returned when he moved. We have the receipt from XXXX  store showing the equipment returned before we moved. Once XXXX  was given the receipt information, they resolved their dispute, and stated XXXX store was at fault. XXXX  shows a XXXX balance for this account. It has been over a year since we moved. 
I wrote TrueAccord a responding email with this information above, and uploaded a letter from XXXX stating the issue for the account in collections has been resolved. TrueAccord wrote back that the investigation is ongoing. That they will resume collection from me and would like my E-Sign Terms signature to validate documentation to email. I did not sign TrueAccords documentation because their collection is fraudulent. I wrote back requesting that they remove me from their system and to send me an email letter to confirm that I have been removed from their collections. I have not heard back.