davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Ive had my credit card through discover for nearly 7 years all of a sudden my account has been frozen and is on hold for some odd reason the hold can not be lifted. Call customer service as to why my account is on hold can not get a straight answer. Ive spoken to 3 reps already seem to not be able to have success with anyone from discover Im contacting you for some type of assistance to resolve this please thanks. The card is completely paid off and ready for us but unable to use.
Consumer complaint received 2023-03-15
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)

Fraudulent Account showing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (OH)

XXXX credit monitoring emailed me on XX/XX/XXXX XXXX XXXX XXXX  inquirers my credit report. I did not ask this company to check my credit report. Did not ask for credit card or loan. XXXX XXXX  as put a free on my credit report as of XX/XX/2023 at appo. XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol One Bank USA N A Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.
Consumer complaint received 2018-12-09
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. (FL)

Report Number : XXXXDate Generated : XX/XX/XXXX, XXXXAccount # XXXX XXXX XXXXCredit Card Account>>In regards to the reporting of of unverified and inaccurate information reporting on my Consumer Credit Report furnished by Experian Information Solutions,  Inc>>Please BE advised that this is my second request regarding the the aforementioned account. The unverified account information remains on my consumer credit report furnished by your company in violation of Federal Law. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure the accuracy of the information in my credit reports ; 15 U.S.C. 1681i ( a ) and 1681s2 ( b ) require you to properly investigate and resolve disputed information ; and 15 U.S.C. 1681g require you to clearly and accurately disclose the nature and substance of all information in my credit files. Additionally, 15 U.S.C. 1681n, allow for punitive damages for the willful noncompliance with the FCRA.>> Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.>> In the results of your first investigation submitted via your online Dispute Center ( references made to above-mentioned report number ), you stated the following>> The item you disputed has been updated, which may include an update to the disputed information.>> Who verified this account information as accurate? Who verified that the information reported '' is accurate? >> You have NOT provided me a copy of ANY original documentation required under FCRA 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ; and 611 ( 5 ) ( A ), where you are required to promptly DELETE all information which can not be verified.>> The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance, as the FCRA creates a private right of action against a consumer reporting agency for the negligent or willful violation of any duty imposed under the Act. See 15 U.S.C. 1681n, o.>> If you fail to comply with FCRA procedures for dealing with this disputed Public Record and instead, inaccurately certify the information reported on their accounts as correct, I will not hesitate in pursuing litigation in this matter. >> If your offices can not provide the proper verifiable documentation, I demand the aforementioned Public Record be deleted immediately.>> Experian has continued to report the following unverified and inaccurate information : 1 ) 30-day late payments ( XXXX and XX/XX/XXXX, XX/XX/XXXX ) >> 2 ) 60-day late payment ( XX/XX/XXXX ) >>
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

( I want to Change this COMPLAINT TO A NEW COMPLAINT NUMBER ) Due to the FACT of the NEW ISSUE THAT HAS TAKEN PLACE THAT INCLUDE HUD NOT FILING NEW RETALIATION CLAIM WHERE CARRINGTON ACTUALLY PUT HOUSE IN FORECLOSURE XX/XX/XXXX and they gave me a old CLAIM NUMBER that was already close in XXXX. 

( This also should be change to new Claim Number ) because Carrington REFUSE TO ACKNOWLEDGE XXXX XXXX XXXX XXXX XXXX DOCUMENTS that was submitted to her to ANSWER. The Documents was 29 Question to ANSWER THAT is in REFERENCE to this CASE!!!
Consumer complaint received 2023-07-26
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)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or inaccurate.
Consumer complaint received 2023-04-30
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: BARCLAYS BANK DELAWARE (VA)

Barclays Bank Delaware has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''
Consumer complaint received 2022-10-19
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 Credit Reporting act XXXX XXXX # 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 2018-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been reporting of an identity mix-up on my credit reports ( XXXX, Transunion, XXXX  ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.
Consumer complaint received 2023-04-30
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: WELLS FARGO & COMPANY (VA)

Wells Fargo XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of payments " 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 2018-12-09
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. (VA)

I wrote TRANSUNION to dispute an inquiry listed on my personal credit report and I received some excuses why TRANS UNION did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and a copy of all prior disputes mailed on XX/XX/2018 to their registered Agent. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with TRANSUNION did not indicate that the INQUIRY in dispute was ever investigated, and a copy of my credit report was included with no identifiable changes. This inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no explanation it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with TransUnion and three times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked Trans-Union to remove any non-account holding inquiries and that request was also ignored by their super computer.
Consumer complaint received 2018-12-09
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. (FL)

Problem with Equifax deleting a collection from XXXX XXXX XXXX. Wrote several dispute letters to remove XXXX XXXX XXXX XXXX dollar XXXX XXXX collection from XX/XX/2013 Wallet and checkbook was stolen a month before in XXXX. Police report was filed. XXXX XXXX  closed account before XX/XX/2013. XXXX  and XXXX  correctly based on theft fraud check
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

15 U.S. Code 1681c1 states in part the following : ( b ) Extended alerts ( 1 ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer or such representative requests that such exclusion be rescinded before the end of such period ; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.

( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 1681j ( d ) of this title during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX formal report of identity theft that included victim affidavit, police report, and adequate proof of identity, SSN, and address were submitted to Equifax with written request to provide an extended fraud alert and provide an updated copy of consumer disclosure report. Equifax has failed to response to these request. They have processed the disputed items by confirming those were not appearing on the report, but failed entirely to respond to the request for the extended alert or provide a copy of the credit file. In not responding to both of these requests Equifax is in willful violation of 15 U.S. Code 1681c1 and should be held to account.
Consumer complaint received 2023-07-26
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)

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 are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00}
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights.15 USC 1681 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 an account without my written instructions.15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.
Consumer complaint received 2023-07-26
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the 3 CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (FL)

I am writing to file a formal complaint against Experian regarding unauthorized and unverified hard inquiries on my credit report. Despite repeated attempts to resolve this issue directly with Experian, they have failed to address my concerns and have neglected their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I discovered XXXX unauthorized and unverified hard inquiries listed on my Experian credit report : XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX *XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX *XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX These inquiries have negatively impacted my credit score and pose a significant risk to my financial standing. I promptly contacted Experian to dispute these inquiries and request their removal from my credit report. 

However, Experian 's response to my inquiries has been inadequate and dismissive. Despite providing evidence of the unauthorized nature of these inquiries, Experian has failed to take appropriate action to remove them from my credit report. Furthermore, their customer service representatives have been unhelpful and have repeatedly hung up on me during our conversations. 

As per the FCRA, Experian is legally obligated to investigate and remove any unauthorized or unverified accounts from my consumer report. Their failure to do so not only violates federal law but also jeopardizes my financial well-being and undermines consumer trust in the credit reporting system. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. I request that Experian be held accountable for their actions and that the unauthorized inquiries be promptly removed from my credit report and that for every removal I am awarded {$1000.00} as per 15 U.S. Code 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I appreciate your prompt attention to this matter and look forward to a swift resolution.