davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I received a letter from XXXX XXXX XXXX in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from XXXX XXXX XXXX I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called XXXX XXXX XXXX and settled the unpaid balance immediately, with the agreement and understanding that XXXX XXXX XXXX would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that XXXX XXXX XXXX had reported to XXXX, Experian, and XXXX, a collections account that had a {$0.00} balance I used XXXX, Experian, and XXXX 's Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the XXXX and Experian credit report.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-03-29
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. (CA)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
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. (IL)

I submitted a compliant against Experian on XXXX2020 and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

XXXX ID : XXXX
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-11-20
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: BARCLAYS BANK DELAWARE (CA)

THIS IS NOT A DUPLICATE REQUEST. THEY HAVE FOUR BUSINESS DAYS TO FIX IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT DEADLINE. 
Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law. 

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Barclays specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Barclays did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that they be removed from my consumer reports immediately. 

I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BARCLAYS BANK DELAWARE | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2023-05-09
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. (KS)

XXXX 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 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 2021-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Navient refuses to accept a letter from our bank allowing us to make online payments. They have requested we send a letter from our bank, which we have done 3 times now, and they continue to refuse to open online payment options. Because of this, we are forced to call and make our payments. We have 2 federal loans and 2 private loans. At least every other month, they inaccurately allocate our payment to overpay the private loans and make our federal loans late. This results in late fees. When I call to correct it, they refuse to do so without my husband, the borrower, on the phone to correct it, stating they can not make changes to the account without the borrow, even though they had no trouble accepting the payment when I called. I have requested to speak to supervisors and am never helped any further. This is absurd. We pay our bill every month, and they constantly XXXX it up. The phone assistants we speak to are usually very sympathetic and helpful, but their hands are tied due to Navient 's awful and sketchy customer service policies that seem to be out to make it difficult for the borrower to make payments and make them on time.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (TX)

I have diligently disputed inaccurate information reported by XXXX, Equifax, and XXXX on my credit report. Despite providing detailed accounts and outlining the violations against my consumer report, these credit bureaus have neglected to respond within the mandated 30-day timeframe. Attached are copies of all letters sent, evidencing my efforts to rectify this matter.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (PA)

The company " Robinhood Markets, INC '' is an extremely popular platform for trading stocks and other financial securities in the US. The have a feature called " instant deposits ''. This feature allows users to have XXXX dollars of funds instantly available for trading when they initiate a transfer of funds from their bank to robinhood. Robinhood makes these funds available before the money transfer is initiated and before the money is withdrawn from bank accounts. Therefor, they allow regular users to trade with XXXX dollars and " gold users '' to trade with up to " XXXX '' dollars without running a credit check or verifying if they have the funds available. It's for this reason I believe that this instant deposits feature meets the legal definition of a loan. If this is the case Robinhood is providing users with illegal loans on which they charge no interest.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 willful 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 UNIT XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-14
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. (IL)

I called XXXX XXXX to question the debt? To question my extention of credit to XXXX as a consumer and i realize i am accused of having a debt. I have not received a title for a 2019 XXXX. I was pressureed to put a down payment down for a credit transaction. My credit score has been damaged by negative inquiries from ally bank that should be removed. I have called to speak to a underwriter and was denied access.
Consumer complaint received 2017-07-29
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 have been attempting to get an inaccurate bankruptcy off of my credit report with Experian for months. I 've requested verification to prove it belongs to me however ; they have refused to send me the copies of the documents they used to verify that it indeed belonged to me. This is required by FAIR 15 USC 16811 and secition 611 ( a ) ( 5 ) ( a ) ( i ). All letters sent were sent certified mail to confirm receipt.
Also under the new law effective XXXX XXXX, 2017, any public record data must include name and address, as well as social security number and date of birth in order fo it to appear on your credit file. The credit bureau has not updated the information and per the new law the inaccurate bankruptcy listed on my report does not include this information and should be deleted immediately from my credit report.
Consumer complaint received 2023-02-16
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. (FL)

I pulled my credit report and I noticed the account XXXX XXXX XXXX XXXXXXXX XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a XXXX from the XXXX.
Consumer complaint received 2024-03-29
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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, and so on.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-22
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Equifax. this has been an ongoing issue that needs to be resolved. no information was validated an needs to be cleared asap. review an remove all data listed to clear my file asap.
Consumer complaint received 2022-09-06
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: Bread Financial Holdings, Inc. (KS)

Comenity Bank/ Comenity XXXX XXXX XXXX XXXX OH XXXX, phone XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, issued a credit card using my personal information without my solicitation or application. I have never received any information from this company about this credit card. My first contact with this company was XXXX. 

The amount charged to this unauthorized credit card was {$3900.00}. I have called this company to report this fraudulent card on several occasions to rectify the fraud. My last phone call with this company was on XXXX and I was given the ID # XXXX for this case. It is now 90 days later and nothing has been resolved.
Consumer complaint received 2023-06-21
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. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
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 (AL)

Case file : XXXX -- Per capital one I called Capital one back in XXXX of 2020, due to the covid outbreak, the hold time was over an hour. I cancelled a card through the automated system as instructed, however, Capital One still allowed charges to process on that card that was supposed to be closed. They have told me that they would adjust my card balance, crediting my fees back and as of today nothing has happened. I have been on the phone for 4 hours at a time, each time a 'supposed ' supervisor over promises and under delivers, yet I still am required to make my payments on time even though this issue has been ongoing for almost a year. Each time I call it is always a different lie that they are working on it, they have it fixed, I have been told I have been credited back my charges, had to get into an all out shouting match with the rep on XX/XX/2020 to make her aware you are calling me a lie, and your records are WRONG. Then 4hrs later she told me that I was correct and they would adjust the problem as of today nothing. I do not know what other avenue to take, but Capital One has been horrible and I just want my balance adjusted
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

Notice to OPT OUT I have sent XXXX XXXX a letter stating I want to OPT OUT from having my non public personal information disclosed to ANY third party companies. I understand that under 15 USC 6803 ( GLBA ) Act that it is my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties. 
Financial institutions must provide consumers with a clear and easy way to exercise this opt-out choice.