davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

This is a Double charges. The Merchant had both of my card in their system. I paid it once with my Master cards ending XXXX on XX/XX/2022. Please Review the Receipt uploaded. 

The Merchant Charged {$500.00} once in My XXXX XXXX Master card ending XXXX on XX/XX/2022. 

The XXXX time was Not Authorizes that charge to Discover card ending XXXX on XXXX, ( Double-charge ) I had Paid all my Credit Cards on time, and is not right for customer to paid it twice. 
The 2nd time charges is Unauthorize to Discover Bank. Please Review.

I only respsonsible for paying 1 time deductible only. 
they had both of my card on their system Discover cards, and XXXX XXXX. i have to call in to have new card re-issue.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX and XXXX are attempting to suppress my Credit Score, Credit Report and my FICO Algorithm by Not reporting ( ACCURACY ) as required under the FTC and you CFPB 15 U.S.C. instructional directives for Fair Credit Reporting Act, section 1681 & 1682. Tradeline, account ; XXXX XXXX XXXX, account ending XXXX balance was paid and there isn't a {$2000.00} balance. XXXX XXXX, loss mitigation with XXXX XXXX XXXX along with the VP of the Credit Union, XXXX XXXX has assured me that they have Reported this account as a PAID, XXXX balance as of XX/XX/2024 for which I paid as a XXXX Consumer. Also my Vehicle with Associated Credit Union is being suppressed as well in it's intentions by Experian, my high credit is {$27000.00} the balance is {$13000.00}, this is a charge off account, there are No Terms, there's no {$590.00} a month payment due, there's no 60 month. I need both XXXX, XXXX and Experian to get their Discriminatory knee off my Consumer neck as a XXXX Consumer in their attempt to suppress my Credit Score, Credit Report and FICO Algorithm by Not reporting ( ACCURACY ), I see the threat, but I Fight Back, undo this apparent threat ( you ) the Consumer Financial Protection Bureau. Also there's a XXXX account on my Credit Report showing a {$63.00} balance owed, this is a secured credit card, I never had a balance on this credit card, I spoken with XXXX on several occasions and they've confirmed that they've never Reported a Balance due on this account, Experian undo your Threat to me personally as a XXXX Progressive Consumer with eyes to see and ears to hear. Also there's an account, XXXX XXXX XXXX, Collection account, Not a other account too, but these criminals are Reporting both in the Algorithm cycle with intentional efforts of suppressing my Credit Scores, but I FIGHT BACK as a XXXX Consumer. Bottom line, Experian take this Collection account out of the Other section of my Credit Report, I see you and I see what you are doing and attempting, but again as a XXXX Progressive Consumer, I FIGHT BACK like exposing you criminals with the CFPB, I would handle this in XXXX XXXX, but I've got 2 in front of you criminals, see I'm Not interested in these XXXX XXXX and Nationalist tactics against me as a XXXX XXXX XXXX. EXPERIAN I'm on to your threat and your Game, but leave me alone, Stop with the XXXX XXXX  threats, I FIGHT BACK but only in the Courtroom.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

Venmo has completely deactivated my account and refuses to give me a reason why or reopen my account. This has caused issues as it was my primary peer-to-peer application when paying friends or family. Recently I attempted to sign up again only to be told that my account was permanently deactivated for violating Venmo 's terms of service. However, Venmo was unable or unwilling to tell me which term I violated. I went through the terms of service with an attorney and I can verify that I have never violated any of the terms of service.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (UT)

US Bank credit card was opened in my name as a joint owner. I have no recollection of this said account, and neither does the primary person listen on this US Bank. It is reflecting that I owe US Bank {$1200.00}, which I do not. US Bank has placed a negative on my credit report. It is closed, with remarks of charged-off.
Consumer complaint received 2022-10-25
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (NY)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  XXXX and XXXX  XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-03-05
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. (FL)

Under the provisions outlined in 15 USC 1666b, late payments linked to accounts identified as 464018 and 636992 must be removed from my credit report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Because the information provided does not comply or include my signature on any of your documents. I have no debt responsibility with you and I do not know the previous debtor. Please send documentation that really validates my debt or PRA must immediately remove it from your system and even more important from my credit bureau. Thank you.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (NC)

I reported Lendmark financial to the nc department of justice around XX/XX/XXXX of XXXX they have not responded to my previous cfpb complaint and they have not responded to the complaint i filed against the nc doj XXXX i am reporting them again because they closed out the previous loan and now they are showing a different one with a different account number. this is very unethical and strange. I reported XXXX XXXX to the nc doj today as well because i just found out that my interest rate with the loan i have with them is over 46 percent and that has to be illegal
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Experian and XXXX for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian and XXXX violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, my complaint is regarding the unauthorized reporting of bankruptcy on my consumer credit report and/or credit file, which I did not consent to nor was I properly notified about. 

Violation Details : It came to my attention that both Experian and XXXX have listed a bankruptcy on my consumer credit reports. This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit, and it has caused me undue stress and financial hardship. 

Previous Attempts to Resolve : I have previously attempted to resolve this matter directly with Experian and XXXX, but to no avail the issue was not resolved Despite my efforts, the issue remains unresolved, and this information is still present on my credit reports. 

Requested Resolution : I respectfully request the CFPB to intervene and facilitate the removal of the bankruptcy information from my credit reports maintained by Experian and XXXX. Additionally, I seek assurance that such errors will not recur in the future and request to be informed of the steps taken by these credit reporting agencies to correct this issue. 

I trust that the CFPB will take my complaint seriously and assist me in rectifying this situation as swiftly as possible. I look forward to your response and am hopeful for a favorable resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-03
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the XXXX XXXX XXXX Account, XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-11-23
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. (FL)

This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX Acct # XXXX Bal {$1500.00}, XXXX XXXX Acct # XXXX Bal {$1700.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (MD)

XXXXIm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of account that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (CA)

I do not recognize these 5 inquiry accounts on my credit report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX XX/XX/2004 XXXX Anything other personal information other than the above is invalid. Please remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other information that is not verified by proof of ID. Thank you for your time, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One has twice changed the autopay from XXXX XXXX to a Capital One account where I didn't have enough $ in there to pay. I did have enough $ in their savings account but they picked checking. It was their own account and they bounced the payment, not even taking the minimum payment. I don't know why they keep changing the Auto Pay bank. 
On Sunday XX/XX/XXXX they texted me and said that the autopay went through on XX/XX/XXXX. On XX/XX/XXXX they texted me and said that XXXX put {$25.00} on the card. On XX/XX/XXXX they texted that I had a balance of {$530.00} which I knew something was wrong because I pay them in full so the balance should have been {$25.00}. I went and looked at the account and saw that they bounced the autopay because they once again switched the autopay bank. I immediately paid them from the correct bank and asked for the {$25.00} fee to be waived. They said they would waive it. On XX/XX/XXXX, I looked at the account and the {$25.00} fee was still there and then they added an interest fee. I called them back and told them they switched the auto pay bank and that I wanted the interest fee waived. They refused. I then paid them the interest and the XXXX and the {$25.00} fee and asked for the card to be cancelled. I didn't switch the autopay and if they would have texted me that it didn't go through timely, I would have paid it and had it straightened out. Also they could have chosen to use the {$1000.00} sitting in their bank to pay the bill in my savings account. I have since cancelled my bank account and my credit card account with them, but I do want my interest charges back because I did not change the autopay bank. Their system has done this to me twice now.
Consumer complaint received 2024-03-05
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
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. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, has violated my rights.

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