davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (NC)

The following accounts keep showing on my credit report after i have informed these people that the information in erroneous, inaccurate, and unfair practices. furthermore at this point it has been a breach of privacy and has done severe harm to my credit worthiness. 1.This account XXXX is showing over 15 inaccuracies across these companies and according to the FCRA all accounts must be 100 % accurate or it must be deleted. this account is showing Open with some companies and closed on another, also this account on one of these companies has it marked as paid from XX/XX/XXXX- XX/XX/XXXX on another it has charge-off from XX/XX/XXXX- XX/XX/XXXX, and the last company shows no data at all. The last active dates are all different one being 2 years old. Due to these inaccuracies and extortionate ways it has violated my rights as a consumer. Also 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report. it is a defamation of my Character.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need some help with cleaning up my credit. I did an investigation on my credit report which caused me to develop XXXX and stress upon learning that unverified, invalid and inaccurate information is on my report. I want my report to be 100 % correct. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/13 I received an email from Venmo that I had received a {$600.00} payment into my Venmo account. I checked daily for a week and it never showed in my balance. Then when I tried to login I began to get the message " OAuth2 Exception : Unauthorized action ''. This went on for two days. I tried customer support and could not get a response by phone. I submitted an online request and did not get an answer. I tried their chat and it wasn't an option. Then I XXXX the problem and saw that people have been having this problem for over a month with no contact from Venmo or resolution.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX After reviewing my consumer report i found some errors and false information on it. 

I currently reside at : XXXX XXXX XXXX XXXX, PA XXXX I would like you to remove all the inaccurate and misleading information from my consumer report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) Title 15, Section 1681, I demand that the following addresses in my credit report be removed : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX I demand to also remove this employer do to the fact I do not work for them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX employer is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX PHONE : ( XXXX ) XXXX I also ask my employer is updated. I have enclosed the required copy of my drivers license with this address verifying that my legal residence is the XXXX listed here. 
Due to concerns for identity theft please delete all invalid addresses and employers. 

Thank you for correcting my consumer report. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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. (FL)

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 XXXX # XXXX, XXXX & XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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 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 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (KS)

I purchased a new Kia XXXX on XX/XX/2022 and I gave them permission to pull my credit once. Not multiple times for multiple lenders. It was one event to finance through Kia Motors. They have since told me there is nothing they can do about all the HARD pulls. 
There are 5 Hard Inquiries on my credit with the same date. XX/XX/2022 XXXX
Consumer complaint received 2023-08-28
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (CA)

On XX/XX/XXXX, I spoke with XXXX, XXXX XXXX. He advised me that the XXXX reps lied to me and also refused to opening a billing dispute. 

On XX/XX/XXXX, I was advised via email that they would not review the billing error. 

On XX/XX/XXXX, I was advised that the person I spoke to lied to me on XX/XX/XXXX and they did not open the billing dispute. I was advised again they would open the dispute. 

On XX/XX/XXXX, I called back and I was advised that the rep would open a billing dispute. 

Throughout the month of XXXX I made many calls to Optum. I advised of billing errors. They advised me that they do not review billing errors and that there is nothing they can do.
Consumer complaint received 2023-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Company called XXXX XXXX XXXX called me on XX/XX/2023 XX/XX/2023 XX/XX/2023, XX/XX/2023, XX/XX/2023 ... about a auto loan, saying i owe $ XXXX {$63.00} XXXX on a truck i had years ago, they had my social security number, but didn't have my address, they was saying a address i was at 8 years ago, they told me i should had reported my updated address to the credit bureaus, i told them i did in my current address was on my credit report, i try to tell them i file bankruptcy that was discharge 10 years ago, a ( chapter XXXX bankruptcy which cleared me of all my debts, the truck debt was XXXX at the time ) and the auto that they talking about was in my bankruptcy documents it clearly state i do not owe no one, they threatened me, Told me that I will wake up with all my assets frozen, told me after they done with sueing me I will end up killing myself, they speaking so fast i couldn't even get a word out, they was yelling at me, in they told me to borrow {$2000.00} from a family or friend then make a payment plan with them by 7 days are i will lose my bank account, everything I owe ... I called my bankruptcy attorney he also called them explain that what they claiming i owe i dont owe and its in my bankruptcy documents. He was sent to a voice mail, the number they keep calling from is ( XXXX ) XXXX can someone find out if these people are legit cause they are not accepting no documents or sending me no documentation, but telling me I been sue and it's to late and I have to pay them.
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX Kimball Triey st. John. Is trying to collect debt in the amount of XXXX that doesnt belong to me I believe I am a victim thing of identity theft. 
On XX/XX/XXXX XXXX XXXX is trying to collect debt in the amount of {$2200.00}. This is not my debit and I believe I am a victim of identity theft
Consumer complaint received 2018-05-05
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. (GA)

In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder sinceXX/XX/XXXX The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and XXXX XXXX never once called to alert that the account was past due. Instead, XXXX XXXX has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XXXX ) shows a {$64.00} past due balance.
Consumer complaint received 2023-10-06
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. (CA)

Experian has not responded to my many letters requesting removal on inquiries that are incorrect and unauthorized. These inquiries are not on the other 2 credit bureaus. I have sent multiple certified letters with tracking and return receipt ( attached ). From XXXX until present day I've been sending letters ( attached ). It is unfair to be ignored and the severity of not taking my situation seriously has caused financial injury and defamation of character.
Consumer complaint received 2023-05-09
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion continually illegally does not investigate my claim for identity theft. I have submitted my drivers license along with my Social Security card and a copy of the FTC report that itemizes 3 separate XXXX  accounts to be fraudulent. They continually report this on my report without investigating I have disputed it several times uploaded the FTC report with the 3 itemized XXXX accounts, and they continually do not investigate, this is against the law they are not practicing fair credit reporting. They need to be held legally liable XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX After complaining, they limited my access to my credit report I am not able to dispute anything through the website as retaliation. I will be filing a separate complaint regarding this as well.
Consumer complaint received 2022-11-08
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-10-04
Product: Credit 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 (NY)

I am sending a formal complaint about capital one. There is a {$1200.00} charge ( {$800.00} plus {$400.00} ) from XXXX XXXX on XX/XX/23 for gift cards that I purchased in order to receive concert tickets from XXXX. I did not receive the concert tickets. I provided capital one with a police report since the XXXX number I called to purchase tickets ended up being a fake phone number listed online. When I called XXXX, the representative told me she can not take credit cards or personal information so I need to purchase a gift card in order to receive the tickets. I have also filed reports with other agencies including the Federal Trade Commission, report # XXXX and the NY State Attorney General, report # XXXX. After multiple calls to Capital One explaining my situation in detail and providing the reports, I have been sent a final letter that the case is closed and that they are reapplying the charges. I feel that I should not be held responsible for these charges since I did not receive the tickets. Also, when I spoke with XXXX from Capital One at XXXX XXXX on XX/XX/23 ( her ID is XXXX ), she told me there is nothing they can do for me, but in certain situations they can make exceptions. When I asked what she meant by that, she said if an elderly person was scammed they can look into removing the charges. I was appalled. That is age discrimination. Because I am not an elderly person they will not consider removing these charges that they know I should not be responsible for? No matter what age a person is, if you make a purchase and do not receive the product, the credit card company should back the consumer up. In this particular case, XXXX XXXX was not at fault so they say this does not fall under fraud or a dispute so they will not help me. It is very concerning that such a large well known credit card company is being completely resistant in relieving me of this debt.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

I sent money via Zelle using the XXXX XXXX banking app on XX/XX/. My contact XXXX XXXX from my contact in my phone is registered as XXXX XXXX. Their token ids are the same and should not be. Ive been telling my bank theres an issue with this since the funds were sent on XXXX I sent money to XXXX XXXX using the Zelle app with the XXXX XXXX app. The funds never went through to XXXX. I created several claims with my bank that keeps denying stating they have done everything correctly and there are no issues with the money being sent. Ive been told by my bank to speak to Zelle. XXXX is registered as XXXX XXXX XXXX ( XXXX ) XXXX XXXX phone number is XXXX ( XXXX ) XXXX, one digit off. I need help getting my money back and getting the token ids correctly listed. I recently filed a complaint with XXXX XXXX on the matter. XXXX XXXX closed the case stating this is an issue that I must take up with Zelle. However because the transaction took place using the XXXX XXXX app, Zelle refuses to speak to me stating its a bank issue. It seems now Im stuck in a grey area where both parties are waiving their hands of all liability and the problem is not resolved.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A recent review uncovered mistakes that demand immediate attention. These errors in the credit report are the reason why this letter has been written. 

Your bureau is aware of the significance of credit reports in determining one 's financial situation, for sure. The way XXXX is perceived as being creditworthy can be significantly changed by lies. It is expected that the credit report will reflect the current financial situation accurately. 

When one has a complete understanding of their financial past and present situation, such inaccuracies are no small matter. It's unsettling without a doubt when the system relied on for accurate reporting fails. 

Every consumer has a right to the promised accuracy and transparency. Our financial information has been given to your bureau, and it is expected that it will be accurate and free from mistakes that could cause it to reflect our financial situation incorrectly. 

In light of this, we kindly ask that you give this issue your undivided attention. As soon as you can, kindly fix the mistakes. It is crucial to portray the financial reputation accurately in all ways because it is so important. We really value your prompt attention to this issue.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I tried for help from XXXX credit for fixing my credit. I paid half of it off it was XXXX charge account they found and started with. I just found out through XXXX credit that this was not my account at all. It haD my name birthdate and social but the address and phone number are not mine. XXXX has removed it from my report.