davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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'm grateful for the XXXX Bureau 's assistance in addressing the inquiries I requested to be removed from my credit report. However, my concern now is with the fraudulent inquiries still present in my Experian and XXXX Credit Reports. I urgently require the removal of the following inquiries. I kindly request that these inquiries be removed as soon as possible : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-02
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. (PA)

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 corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Zip Co US Inc. (MD)

I have been a loyal and faithful customer of Zip/QuadPay for many years. Recently, I began the process of switching my payment methods from my debit cards to my credit cards. In this process, I believe my account was locked with Zip. I contacted their customer service to try to resolve this and do whatever security verification was needed of me, but I was told there was no time frame to unlock my account and I would just have to wait for an email. This is unacceptable. I have current, active payment plans with Zip which I need to be able to log in and manage, change payment dates/methods, etc. 

I had a similar problem with Zip a couple of years ago where my account was incorrectly placed on a security hold, and I had to file a CFPB complaint to resolve. At that time, I was told that if a hold was going to be placed on my account in the future, I would be contacted by the company and have the opportunity to promptly verify my info and resolve it. I am sad that has not happened and I am dealing with an almost identical issue years later. 

The phone number associated with my Zip account is XXXX and the email is XXXX XXXX
Consumer complaint received 2022-12-02
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX XXXX XXXX XXXX XXXX XXXX Reporting to ( XXXX XXXX Equifax ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Equifax ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( XXXX Equifax ) in accordance to XXXX U.S.C XXXX section XXXX A. States I have the right to privacy and XXXX U.S.C XXXX Section XXXX A Section XXXX states that a consumer reporting agency can not furnish an account without my written instructions and was not authorized by me. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all agreed to remove the late payments from y credit report and remove their accounts from my credit report. XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I request that these late payments and accounts be removed from my reports. Asap
Consumer complaint received 2021-07-02
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. (AR)

I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. Experian has placed an closed XXXX bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau XXXX Experian and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX and Experian is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One-Credit Card applied for in my name on XX/XX/2022 XXXX XXXX- credit card applied for in my name XX/XX/2022 Has created hard inquiries and dropped my credit score I believe this is a former love interest utilizing my information and want to press charges.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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. 


Capital One reported on XXXX XXXX for {$240.00}
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (PA)

After getting an annual membership fee for a BJ 's card, I tried to find my credit card I realized I don't have one. I don't remember ever having it. 
I tried to call BJ 's to ask about it and cancel the membership but, because I didn't have the credit card number, I couldn't get through the voice prompts. I tried several times over a month. I've probably spent 5 hours on the phone over the course of 2 months, just trying to get through to someone. 
I finally, reluctantly paid the late fee in the next bill because I hadn't been able to talk to anyone about it. 
I kept on trying to get through to BJ 's to tell them I needed to cancel their card, and my membership. 
It took several more days until I spoke with someone from another country who assured me it was cancelled, and I didn't have to pay anything more. 
I just got another late fee from BJ 's. I still can't talk to anyone because I don't have the credit card #. Again, I've talked to people in another country who have passed me on to the wrong place twice and I waited another 1 hr. I am frustrated and refuse to pay another late fee for a card I don't have, and was told was cancelled, and which I already paid one late fee for. 
I am fed up and angry that I can't talk to a human. I will never deal with BJ 'S again. I want any late fee reports from BJ 's or Comenity bank removed due to this impossible situation.
Consumer complaint received 2023-09-29
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

XXXX XXXX : Diversified- XXXX XXXX XXXX : {$2400.00} This account does not belong to me. This is improper use of my credit. My name is misspelled, also I have never had any of these phone numbers attached to this account.
Consumer complaint received 2023-04-24
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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)

These inquiries do not belong to me, please have them removed from 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
Consumer complaint received 2022-12-12
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name Account # XXXXXXXX XXXX  XXXX DELETE XXXX Main XXXX DELETE XXXX XXXX XXXX  XXXX DELETE XXXX XXXX XXXXXXXX DELETE 15USC 1681 Section 602 A. I have the right to privacy.

15USC 1681 Section 6049 ( a ) section 2 A consumer can not furnish a account without my written consent.

15USC 1681C ( A ) ( 5 ) STATES no consumer reporting agency containing any of the followint items of any adverse information, other than record of convictions of crimes which antedates the report by more than 7 years.

15USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or have resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (GA)

I have been a customer for XXXX XXXXXXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX XXXX XXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau EXPERIAN 'S NATIONAL CONSUMER ASSISTANCE in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX is the bank. I had a car loan with them that was included with a XXXX XXXX bankruptcy. That was discharged XX/XX/2021. Recently, XXXX has reported my loan as charged off for XXXX XXXX I filled a dispute with the credit reporting agency.. Experian. The bank says the info was correct. They are not allowed to collect on that debt since it was in bankruptcy. I'm concerned they are going to sell it. Also, this has caused a significant issue with my credit score dropping. Thank you for any assistance.
Consumer complaint received 2015-09-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Although homeowners have until the XXXX of the month to pay their mortgages ; Nationstar is charging homeowners a {$10.00} fee if they pay after the XXXX of the month. I never asked for Nationstar and have been moved from XXXX XXXX to XXXX and now to Nationstar. Every mortgage servicing company, besides XXXX XXXX, has tried to make money off homeowners ; here is yet another trying to do the same thing. XXXX stopped this practice immediately after receiving complaints from homeowners as soon as it began ; and the government should not allow these companies to prey on homeowners. The fee is unnecessary and basically punishes homeowners that pay their bills on time.
Consumer complaint received 2023-07-27
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. (GA)

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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 1681 ( 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 1681 c. ( 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 it 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 2023-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/23 I XXXX XXXX XXXX XXXXXXXX {$710.00} from XXXX XXXX XXXX XXXX to her Vystar account via XXXX. The money was sent in error. I contacted XXXX XXXX and she contact Vystar to reverse the transaction as she had just made changes to some of her personal contacts and didnt have access to XXXX it back. 
On XX/XX/23 XXXX saw the funds removed from her account at Vystar. 
The funds have not been returned to my account at XXXX XXXX. 
XXXX and I have spoken to Vystar and XXXX XXXX together and neither institution can see where the pending {$710.00} is. XXXX has been unresponsive.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I sent multiple letters to National Credit Adjust for validation of this debt and I also sent letters to XXXX, XXXX, and XXXX and I haven't received a response from any of them. The dates that I sent the letters are XX/XX/23, XX/XX/23 and XX/XX/23.