davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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 contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. XXXX, XXXX, and Experian have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2022-09-07
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. (AZ)

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. 
Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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: FREEDOM FINANCIAL NETWORK (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : FREEDOM PLUS XXXX Date opened XX/XX/XXXX Balance : {$4600.00}
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA sent me notifications that I had been paid due to them billing me incorrectly on closed credit card accounts. I called them to find out where this credit went. Every representative asks for money for a debt from a renters policy that was discharged under a bankruptcy XX/XX/XXXX. I want an audit of my account and them asking for money.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2022-09-07
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account 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 an alleged identity theft. This account 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 some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

My wife and I are XXXX, Medicare folks, on a fixed income. In XX/XX/2022, I received a call from XXXXasking if I authorized a purchase and when I realized something was wrong hung up the phone. It was too late I became a victim of XXXX scam in XXXX XXXX. The scammed accessed my cell phone and sent a XXXX for {$2500.00}. I immediately drove to PNC same day and was told they would research it. I received a call from PNC and was confused by all of the questions because they kept asking me if I gave them my account password and I kept saying no I would never give my bank password but somehow PNC said the transfer came from my phone which was part of the scam. I never accessed my bank account t but when I looked up my XXXX account the scammers somehow accessed XXXX. I pleaded with the rep, was transferred around and was told I would get a call back. I spoke to the PNC Client Services and the rudest lady said it was my fault I gave them my account. I sent the XXXX  a letter and the lady called me back and said I shouldnt have done that and now there is no help from PNC. Out of fear I closed my account but later learned that my IRS stimulus payment was deposited in that account. I lost {$2500.00} which was taken from the IRS Economic stimulus payment. Its been so hard and a year later my wife and I are still suffering. Ive read several news articles and stories of victims who were scammed but their banking institution did the right thing. Im asking for help because I need it.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank charged " transaction fees '' and interest fees for a purchase that was made 3 months ago at XXXX XXXX XXXX XXXX, the store for which this bank services their credit card accounts. 

Made the purchase on by phone with the clear understanding that if the balance is pad off in 6 month, the there would be no interest fees whatsoever. 
The bank just told me that the info interest purchase I made was for only 30 days.
Consumer complaint received 2024-03-05
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-08
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)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LOBEL FINANCIAL CORPORATION (HI)

There was a judgment filed against me for default in XX/XX/XXXX. I was not notified or received any documents. I was not properly served or notified, therefore I could not defend myself. I did not sign an agreement to pay the debt collection company. They sent me an agreement I signed with car dealership that no longer exist, and on the agreement the debt collection company ( Lobel Financial Corp ) is not on the agreement, the original credit is XXXX XXXX XXXX.This is a third party debt collection company. Also the statue of limitations in California where debt was created has passed its maturity date. Lobel Financial has been garnishing my paychecks in XX/XX/XXXX. They have no right to collect a debt from over 10 years ago and I did not agree to pay a debt to Lobel Financial. They garnish {$280.00} from every paycheck. Also the judgement states I owe {$11000.00} but the attorney office of XXXX XXXX XXXX located in Hawaii states my debt is {$23000.00}. 

XX/XX/XXXX
Consumer complaint received 2023-03-04
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. (FL)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, TRANSUNION MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2023 XXXX XXXX XXXXXX/XX/2023, 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 2022-11-15
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: EQUIFAX, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One notified me by email on XX/XX/2022 that my new XXXX checking account had been opened. I did not open an account, and I do not do business with Capital One. 

I called Capital One XX/XX/2022 and was connected with their fraud department. They said that they would close the account. I asked for the date that the account had been opened so that I could file a police report. They told me that I had to file a police report first and call them back with the number before they could give me any information about the account. On XX/XX/2022 I received a Capital One debit card in the mail for this account. 

They have not closed the account and keep sending me emails telling me to make a deposit. 
I did not authorize Capital One to open a checking account in my name.
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

The auto loan was financed by Truist Bank. The auto loan was paid off XX/XX/2022. We are asking for the Gap refund in the amount of XXXX. XXXX XXXX mailed a check to Truist on 8/01/2022.The check cleared XXXX XXXX Bank XXXX XX/XX/2022 Ck # XXXX. We have contacted Truist Bank many times to see if they have mailed the check back to us or XXXX and no one at Truist can give us any information on this check. As of today 's date we still have not received a check.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX  XXXX. : Ending in XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.
Consumer complaint received 2022-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FISERV INC. (FL)

On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account. 
On the account detail line " Telecheck '' and their phone number appears in the payee line.

I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money.

However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.