davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

4 months on end I have attempted to get these three credit bureaus to erase inquiries from XXXX XXXX that I never initiated. They have turned the Blind Eye to both an FTC report and a cfpb complaint. I was a victim of the Equifax in XXXX and have struggled ever since and repairing what is an ongoing spiral of my credit history and I would appreciate it if this XXXX XXXX paid attention to the fcra and the rules of government. Most importantly 640b in regards to identity theft in the rules surrounding those incidences. Please remove the XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, 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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2022-10-22
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. (NC)

To : XXXX and Experian According to the fair credit reporting act, any data being report XXXX to my credit file must be fair, accurate, and complete. Also the accounts being collected must be validated. 

I have complained and filed disputes for these in the past for months and all the credit bureaus have lied and not conducted investigations or you would of read the documentation And saw what this creditor sent to me showed that they did not have any validation documentation prior to XX/XX/2022. 

They lied to you and you lied to me because you did no investigation ans you havent read the disputes and the supporting documents or you would have already taken action against these criminals. And the documentation they did provide from the XXXX letter is a XXXX violation and is null and void and none of you are suppose to see a federal protected document like that even if it were legit but they made it up themselves almost 5 years too late! 

Secondly these two screenshots from XXXX show that the first day of delinquency is not being reported!. 

You better fix it or delete it because youre gon na be answering to it in a deposition soon so quit breaking the law and fix it!
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.
Consumer complaint received 2023-08-11
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. (MS)

XXXX XXXX has violated my rights. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.
Consumer complaint received 2024-04-30
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: CITIBANK, N.A. (FL)

Within the last 3 months Citibank has had to issue me a new card for transaction I have not made. Each time I call the fraud department they assure me that with the new card these transactions should not take place. I receive the new card and they still have my original card linked so it causes new transactions. The customer representatives are very vague, not helpful. You can hear personal background noise when speaking to them. When a supervisor is to return the call, they don't so I must call back the department to clarify information. Seems like their own employees are using the consumer information to do fraud.
Consumer complaint received 2023-08-11
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-28
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (CA)

I opened a business checking account with Huntington Bank around XXXX. At the time of opening, Huntington Bank was offering a {$1000.00} promotion for meeting a minimum cumulative deposit requirement. I met the requirements around XXXX. Some time later, Huntington Bank froze my account and said that I had to step into a physical branch in order to unfreeze the account. At the time, I couldn't since I was living in another state with no physical branches. I called Huntington Bank and a customer service representative told me the account would remain frozen until I stepped into a physical branch. I decided to wait. Nearly 12 months later on XXXX, I called XXXX to book an appointment since I would be visiting a state with a physical branch. I was informed the account had been closed and the funds were mailed to the address on file ( a wrong address which I no longer have access to and could not update since my account was frozen ). 

For about 1 year, Huntington Bank has frozen at least {$3000.00}. The exact amount is unknown since I can not obtain any information about the account. When the account was closed, I was never notified, and the remaining funds were sent to the wrong address. I also never received the initial {$1000.00} promotion.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-09-29
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. (IN)

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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX : account last XXXX # XXXX. On XX/XX/2023 about XXXX XXXX I XXXX XXXX contract XXXX XXXX phone number XXXX spoke to XXXX  and i asked for my full account number she refused to proved me the full account number. She advised me to call [ XXXX ] i spoke with XXXX about XXXX XXXX from account recover and i asked for my full account number she advised for security purposes they dont have access to that information 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 suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-12-13
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. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX XXXX XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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. (NM)

Experian is has not taken my disputes seriously. I have continuously contacted them regarding how my rights have been violated and they have broken the law. Instead, they have been sending me responses that they will not investigate my complaints until proof has been sent to them, which I have done. On XX/XX/2022 they received information about my issues along with the proof of what they were reporting. 

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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, which says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action I have never given any written permission to contact me or report to the credit bureaus. I have expressed that each time I have sent disputing information to Experian on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. On XX/XX/2022 I received an email to check their investigation results saying that they will not be investigating anything I send in any longer until they receive without proof. I have continuously sent them proof throughout XXXX of what they need to investigate. You will find the response sent to me from them in the attachments. 

On XX/XX/2022 in Experian 's latest response, they mentioned that they had contacted two furnishers to verify the accuracy. have issues with the reports being furnished without my written consent. There are four furnishers they should have contacted, but only contacted two. Why only two? However, it still did not fix the problem because there are still inaccuracies with their updates. Not only is the information on my report without my written consent, it is also inaccurate and not matching what other bureaus are reporting as well. Experian has claimed to have investigated my issue and has resolved the problem, but the inaccuracies on the report are still the same from previous months before. What investigation is being conducted exactly? Nonetheless, my written consent has not been given to Experian to publish anything on my behalf.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX  XX/XX/XXXX, I sold an old car I have to someone from XXXX XXXX. 
The car is a XXXX XXXX XXXX. The buyer provided me a check with half of the selling price because the person was going to come the following day to pick up the car with a companion to take the car. 

The buyer gave me a check with half of the total amount. That check in the amount of {$1200.00} was deposited into my checking bank account Capital One 360 on XXXX  XX/XX/XXXX. 
Because I submitted it after XXXX p.m. XXXX, the check was processed the next business day. 
The check was posted and available into my account on Friday, XX/XX/XXXX. 

On Friday, the buyer of the car told me that they were not going to be able to transfer the title into her name now. The buyer asked me to transfer the money back to her via XXXX, as she was not going to get the car anymore. The money was sent back to the individual name as the check. 

On Monday, XX/XX/XXXX, the bank said that the check was reversed and my bank account has been restricted until further investigation. I called the bank right away and explained the entire situation. They tried to contact the buyer and they found out that the buyers bank put a stop to the check. 

Capital One informed me that they have decided to close my Checking and Savings account. 
Instead of investigating and making sure that I am covered and protected as I am a long-time customer, since XXXX, they decided to close my account due to an error on their operations. If the buyers financial institution still had the power to revert the funds, they should not have cleared the funds on my end. The representative that treated the case was not even trying to find out what happened, her attitude was more like she was tired of dealing with this case.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am being forced into accepting a service subscription I do not agree or consent to. 
I always have a subscription to XXXX services paid annually in an amount less than XXXX XXXXXXXX for the past 5 years. But this year XXXX went behind my back to my credit card company Capital One Mastercard and charged on it {$130.00}. 
When I asked Capital One they said they paid that amount because I have a subscription with XXXX, therefore thy honored it. I sent proofs to Capital One about my subscription at a standard level protection with 5 licences covering up to 5 devices. 
The one they approved this year has 10 licenses which I never had. However, Capital One denied my fraud case as well as my dispute claim.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. CITIZENS BANK XXXX  Date Opened XXXX XXXX XXXX Balance : {$290000.00}
Consumer complaint received 2022-10-22
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. (FL)

On XX/XX/XXXX I sent XXXX certified mail to XXXX XXXX XXXX and XXXX XXXX XXXX with a validation letters, requesting information on the alleged debt that is being reported on Experian. On XX/XX/XXXX, I received an email from Experian stating that the validation is complete. I find that Experian is not reporting accurate information on my credit report due to the fact that I'm still waiting on XXXX XXXX XXXX and XXXX XXXX XXXX, validation letter, and what I specifically requested from them both. I know I have to wait 30 days for a letter from the XXXX collection agencies in question. I don't know how Experian got ahead of them and is reporting something that is currently still under investigation by the collection agencies. When I have reach out to Experian multiple times about the XXXX collections. Experian is not reporting accurate information and this company is getting away with it. I have included proof of the letters and certified mail and the dates they received. I have not yet received what I have requested from XXXX XXXX XXXX and XXXX XXXX XXXX. Why is Experian reporting this on my credit report? I am requesting for it to be deleted.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (SD)

Revocation of Consent for Sharing Personal Information To Whom It XXXX Concern, I hope this letter finds you well. My name is XXXX XXXX and I am writing to you in regards to the sharing of my personal information by your respective agencies on my credit reports, as well as by TRANSWORLD SYSTEMS INC. 
Firstly, I want to express my sincere appreciation for the responsibilities you uphold as consumer reporting agencies, as outlined in the Fair Credit Reporting Act. The Act rightly emphasizes the importance of fairness, impartiality, and respect for consumers ' privacy, principles that I deeply value. 
However, I am writing to assert my rights under the law to ensure that my private information is not shared without my explicit consent. As stated in the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act, it is my fundamental right to maintain the privacy and confidentiality of my personal information. 
While I understand the necessity of accurate reporting for financial institutions, I must emphasize that I have not provided, nor have I consented to the sharing of my information with XXXX, XXXX, XXXX, or Transworld Systems Inc. Any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 
Furthermore, I want to highlight that I was never informed of my right to exercise my nondisclosure option by Transworld Systems Inc as required by law. This lack of transparency is concerning and undermines the trust I place in your institution. 
Moreover, I have noticed discrepancies in the information being reported, which raises concerns about the accuracy and integrity of your reporting procedures. It is imperative that consumer reporting agencies, like yours, follow reasonable procedures to ensure the accuracy of the information provided. 
Considering the above, I am formally requesting that you cease the sharing of my personal information with any third parties, as I have not provided consent for such actions. Additionally, I urge you to review and delete any inaccuracies in the information currently being reported. Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and professionalism.