davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXXXXXX Account # : XXXX reporting innaccurate information XXXX Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innaccurate.
Consumer complaint received 2023-05-03
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. (VA)

I submitted a complaint last XX/XX/XXXX and the companies responded saying they have investigated but there are still a lot of fraudulent items on my credit report. I submitted and complaint again XXXX XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-03
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The inquiry was not authorizXXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXRXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-18
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 have fraudulent accounts reporting to my reports. I filled out a identity theft and police report and the bureaus are still refusing to delete the accounts : XXXX XXXX XXXX, & XXXX/XXXX
Consumer complaint received 2023-06-30
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. (GA)

I am the author of this complaint and I checked my credit report today and found some fraudulent, inaccurate, and incomplete information. I am asking that the CRA 's conduct a reasonable investigation and DELETE the fraudulent and inaccurate information. Please send all methods used to verify any accounts that are not deleted. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX / XXXX )
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Credit Card with Capital One ( Savor ). I wished to downgrade my card from the XXXX to the No Fee XXXX. Capital One has made this task difficult to impossible to accomplish. 

Complaints - Capital One will not allow me to make the change to the card I want. They say that product change would be a downgrade and they only offer upgrades ( I was offered the VentureOne instead ). No other credit card company has given me a problem when downgrading.

- The company tried to scare me by telling me the offer to upgrade to the VentureOne was expiring tomorrow. When I called back 2 days later the same thing was still offered to me.

- When I asked if changing to the Savor card to the VentureOne would disqualify me from a sign up bonus on the Venture card, I got a wishy washy answer that they think I can't get more than one sign up bonus on the same account. The language in their terms is wishy washy as well. ( Existing or previous Accountholders may not be eligible for this one-time bonus. ) The bonus should be offered or not. There should be clear terms that disqualify me if that is the case. Not whatever the company feels like on any given day. 
- When I finally agreed to change to the XXXXeOne, I asked if I would be refunded my annual fee I had to pay last month. They said they don't refund fees ( again, all other companies I have interacted do not treat their customers this way. ) This is especially egregious because under federal law I can't request a product change until a year has passed and I have been charged the fee for year 2.

- When I voiced my frustration about my entire experience with the company I was cut off and placed on a permanent hold. ( as of writing this I have been on the phone for 30 minutes listening to same mind numbing tune ) Capital One is engaging in anti consumer behavior to cheat me out of an extra {$95.00}. I would love to close my account and punish Capital One by taking my business away from them, but the system we live under would penalize my credit score because my average age of credit and available credit would be hurt by that action. I feel cheated and trapped.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

See several dispute letters ( uploaded ). Neither entity has responded to me as of yet and it has been more than the allowed 30 business days. Additionally, they sent me misleading & incongruent communication, then charged fees and interest on top of fees after they said they would close my account and they are still reporting me delinquent on my credit report.
Consumer complaint received 2018-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I have been called 3 times this company. They are looking for XXXX or XXXX XXXX. I am not XXXX or XXXX XXXX. I have told them 3 times that I am not XXXX ( I am female ) nor do I know a XXXX or XXXX XXXX. All 3 times I have told them to remove my telephone number from their calling list and all 3 times they have stated they will put this is the wrong number in this file and discontinue calling me. The newest call was yesterday at XXXX - XX/XX/18. They have called from the following telephone numbers XXXX and XXXX.
Consumer complaint received 2021-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Exeter Finance, LLC. (GA)

1 regional XXXX addr XXXX XXXX XXXX  XXXX nc XXXX i didnt have anything is sv with this company or anything .but i fine out is in my transunion credit report 2 exeter fin XXXX XXXX XXXX tx XXXX XXXX i have call this 2 company up and tell them take of my tranunions report but they still not do anything i belifive idennity teft
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I attempted to reach out to the company on XX/XX/22 to let them know that they did not inform me properly and they continue to report this alleged debt on my consumer report. I also notice that they are not a registered agent in my state, and they are attempting to collect from me.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has been collecting payment of {$50.00} monthly on the XXXX of every month since XX/XX/XXXX. Currently, they had this charged off as of XXXX, however they recently updated their records stating that it was newly charged off as of XX/XX/XXXX. Capital One has refused to state that I am making 'payments as agreed upon ' and have informed me that they do not have to report any payments or correct the status of the account. This is false statements that are being made on my credit report and damaging my credit reputation. False statements are unlawful and as a consumer I am protected from FTC 15 USC 45b.
Consumer complaint received 2021-06-18
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 (TN)

Requested an auto detailing business to clean my vehicle. The company did not clean the trunk or engine as agreed upon. When I discovered this oversight I called the company and requested to bring the car back so the services could be rendered as agreed to. The company refused to redo the service and said that they would give a refund instead. They did not provide the refund and I opened a dispute with the credit card company. They said that I should submit a letter describing the circumstances and signatures from two witnesses which I did. They did not give the credit for the charge and said that I should submit photos to support the claim which I did. They still did not credit the charge and said that I should provide a written statement from another auto Detailers on their letterhead describing the failed services. There are no Detailers that use letterhead they are not corporate size businesses and have only a few employees with no need for purchasing overhead cost of buying letterhead stationary. My credit card company is failing to provide protection from a fraudulent business and keeps giving me the run around and changing the documentation needed to prove my dispute from the services not received which keeps delaying this dispute which I opened in XX/XX/2020 a week after the services I was charged for by the auto detailer
Consumer complaint received 2021-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I mailed a dispute letter to Trans Union over 30 days ago in regards to inquiries and I still havent seen a response by law they should be removed from my credit report.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I purchased a vehicle from a dealership and financed through BB & T. The sale included a rebate. When I received the rebate check ( Check # XXXX for {$5200.00} dated XX/XX/21 ), I noticed it was drawn on the same bank ( BB & T ). When I took the check to the BB & T branch in XXXX XXXX, TX., to get it cashed, I was told I would be charged an {$8.00} check cashing fee. When I explained to the teller that I was a customer and had a new automobile account with BB & T, she told me it didn't matter and only deposit account holders were exempt from the fee. When I asked to speak with a manager, the teller told me the manager was not present at the branch today.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-06-18
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)

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to Experian, XXXX  and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # 604 you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Consumer complaint received 2024-08-06
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. (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. 

Account Name XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-28
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. (NY)

As I was going over my credit report I noticed that my account was not being reported accurately. I have a late payment being reported that was paid on time. Consumer credit agencies are required to report complete and accurate information. Im attaching proof along with this complaint showing that I did in fact pay my account on time. The date in question is XXXX. Based on the proof submitted, youll see that XXXX and XXXX both reported accurate information. Information that the account was paid as agreed. I request that you investigate this matter and provide official documentation showing that I made a late payment. When this information cant be verified, I demand that this payment be reversed to paid as agreed paid on time immediately. Your prompt action in this matter will be greatly appreciated. Thank you.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

There are two bankruptcy public records on my credit report that are incorrect. My name is misspelled on my credit report. My legal name is XXXX XXXX XXXX but the apostrophes arent listed on my credit report. Also, the bankruptcies were submitted without the apostrophes in my first and last name which is inaccurate. I want these two public records removed immediately.
Consumer complaint received 2021-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NJ)

On XX/XX/XXXX, I was made aware of a derogatory account/comment placed on my credit report by Online Collections regarding account number XXXX for the amount of {$790.00}. The original creditor of this debt was shown as XXXX XXXX XXXX XXXX New York. Prior to this, I was not aware of this debt, has I did not receive any communication  from Online Collections nor XXXX  XXXX  on this matter On XX/XX/XXXX I contacted Online Collections and was informed that my personal information including my SSN was provided to them by XXXX  XXXX, and that this bill was for treatment received at the emergency department at XXXX XXXX XXXX XXXX in XX/XX/XXXX. 

I have never been to the emergency room of any hospital in my life to date. 

On XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX XXXX through its billing department and its patient advocate department. after extensive discussions and file searches using my personal information ( Name, D.O.B, & SSN, Address ) it was confirmed that there are no medical records for me at the institution and there are no billing records for me there. I owe no bills to XXXX XXXX XXXX XXXX emergency department. 

On XX/XX/XXXX I contacted XXXX XXXX patient billing. After an extensive search of their records using my Name, D.O.B and SSN they informed me that they do not have anything in their system for me. I do not not owe them any monies at this time, I have never owed them any monies in the past, and they have no record of sending my information over to Online Collections. the fact is they do not have any record of me in their system, which simply means I owe them nothing, so there is nothing for them to send to Online Collections. 

I can not assume this issue to be a case of fraud or identity theft, as their are no records of me receiving treatment at XXXX XXXX XXXX XXXX XXXX room. There are no records of me at XXXX  XXXX. So no one has used my identity to access service form the hospital. The only one who has my personal information showing as owing this debt is Online Collections. If this was a case of fraud or identity theft then this would have have to be facilitated by Online Collections, or this is a gross mistake on their part. I also do not serve or act as a guarantor for anyone 's medical expenses or bills.