davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have recently checked my credit report with XXXX credit report and was shocked because I discovered that Capital One Bank was opened under my name without my knowledge. I did not recognize this account. I am a victim of identity theft. My credit report 's true and accurate creditworthiness has been damaged by Capital One Bank wrong reporting. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous 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 XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been getting calls every single week from the Capital One Bank to accurate if it is me applying for a new credit card. An important data : I closed my account in XXXX  in the XXXX XXXX  XXXX location. I have never requested anymore service to Capital One Bank. Their website phone is fake because as soon your call is picked up the customer transfers you to a supposed credit customer which take all of your information and amuse you in a long conversation like to get important data from you. It is curious the two times as I called, one in XXXX  services I identified the customer had a XXXX  accent and she confirmed it also and in XXXX, the customer had an XXXX or XXXX accent. I called them in XXXX, in XXXX to complaint but that not worked. I noticed in that conversation with the supposed customer assistant, I asked about which address was being used for that issue, and she told me one of my old and former addresses and I remember when I was still living at that address I used my another bank credit card -not capital one - to buy a XXXX XXXX  to take the subway at the XXXX XXXX station in XXXX and I was notified at XXXX  for my bank because someone else was buying online and getting store members and paying restaurant on behalf of me. That was a damage to my credit which was showing their fake and delinquent acts like I did when was not. 
By certain, yesterday and today I was called from a Capital One Bank customer service phone # XXXX It was blocked by me but they call me again, she left a voice message that I should to complete my application # XXXX or call them back.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00}.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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. 


XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-20
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. (NY)

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. 


XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-21
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous 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
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive tried to have any fraud alerts including extended fraud alerts removed from my credit reports but all three CRAs havent removed anything. I also asked that the Personal Statement be deleted as well because I never asked that any personal statements be listed on my reports. Ive received confirmations that things are removed but when I try to verify a fraud alert was removed it had been turned into and extended alert. Ill include confirmation images below. Ive contacted all over the phone as well as electronically.
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company Capital One. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX  and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any Covid assistance through XXXX. There was a moratorium order to protect consumers credit. I informed Capital one, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with Capital one. I paid {$7000.00} and the sent me a 1099 for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

On XX/XX/2023 I reported that my card was stolen and that three transactions were made by someone else. The charges were {$630.00}, {$410.00}, and {$61.00} which were done back to back at the same MAcy 's on the same day. The fraud department said they would investigate. I however received a letter with no details on their findings, stating I'm responsible for these charges. I didn't make these charges and am a victim of fraud. In addition, I have been calling this company because they are expecting me to make a minimum payment which is extremely high because of the fraud charges. I am always on hold forever and this issue remains unresolved
Consumer complaint received 2017-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (GA)

I have health problems and had worked out an agreement with the company. Which was offered by the company. Something went wrong with the agreement in their system which they blamed me as my fault. Now they are constantly posting to my credit as five months late which they know. I believe to collect the debt. I have been current with my loan close to three years.
Consumer complaint received 2023-08-21
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. (PA)

In accordance with the fair credit reporting act these creditors has violated my rights! Under Act 15 U.S.C 1681 section 602 says I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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 60
4 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 2022-10-28
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. (PA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, and XXXX XXXX  XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (TX)

I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution. 

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights. 

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims. 

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> Theses companies pulled my credti report without written authorization and I need to report tham and get this off my credit immediately.
Consumer complaint received 2023-07-21
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)

Recently disputed this ( credit collection company XXXX ) which the company in itself if is violation because it is NOT licensed to collect debt in the state of Florida, also I have NEVER done business with this company, I have no KNOWLEDGE of the account or the amounts, account number consistently reporting to my credit report, it seems this company has stolen my information or has me confused with someone else! I have disputed this matter and it keeps coming back as accurate, but never any proof that I signed anything with this company proving I have debt with them or how it was verified, a bill isnt proof of accuracy nor stating the account as verified and updated shows proofI have reached out to the company and they have not provided proof of signature. MAXIMUM Accuracy has to be reported on a consumers credit report at all times and disputing violations!
Consumer complaint received 2022-10-20
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. (NY)

In accordance with the fair credit reporting act XXXXt account # 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 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.
Consumer complaint received 2023-07-21
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. (GA)

Experian credit bureau is reporting 5 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I've never applied or opened a XXXX account XXXX I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX XXXX XXXX ( Experian ) Bank credit card, i never applied for. 
XX/XX/XXXX - XXXX XXXX ( XXXX ) Blank XXXX XXXX XXXX ( Experian ) bank credit card. i never applied for XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card i never applied for. 
XXXX XXXX XXXX XXXX XXXX ( Experian ) Never applied for this credit card. 
XXXX XXXX ( Experian ) bank credit card i nevel applied for. 
XXXX XXXX XXXX ( XXXX  XXXX ) Bank credit card. over 2 year drop off period XXXX XXXX XXXX ser ( Experian ) bank credit card, i never applied for. 
XX/XX/XXXX XXXX XXXX ( XXXX XXXX , Experian ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX Experian , XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (TX)

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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.