davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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. (TX)

There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, EQUIFAX did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if EQUIFAX does not correct these accounts INQUIRY : XXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX XXXX DATE : XXXX XXXX, XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00}
Consumer complaint received 2023-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAD CALLED PREVIOUSLY TRANSUNION FOR SOME FRAUDALENT INQUIRIES THEY HAVE TOLD ME TO CONTACT THE ENTITIES WHO PULLED MY TRANSUNION CREDIT REPORT I HAD CONTACTED THEM NOTHING IN MY NAME OR CREDITORS DONT MATCH OR PULL ANYTHING UNDER MY PERSONAL INFORMATION I CONTACTED BACK TRANS UNION THEY ADVSD ME TO CONTACT CFPB TO DISPUTE THE INQUIRIES THEY HAD REFUSE TO DISPUTE THEM AFTER MANY ATTEMPTS I HAVE NOT APPLIED FOR ANY OF THESE CREDITORS AND NEED THEM TO BE REMOVED FROM MY CREDIT REPORT TRANS. UNION HAS BEEN VIOLATING ALOT OF FCRA LAWS HERE ARE THE LIST OF THE CREDIT INQUIRIES 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 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my XXXX and final attempt to supply court documentation to XXXX, XXXX, and Equifax regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Consumer complaint received 2023-05-17
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)

In accordance with Fair Credit Reporting Act, XXXX  Account XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-24
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. REPAIR or CORRECT these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ....
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX and final attempt to supply court documentation to XXXX, TransUnion, and XXXX regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Consumer complaint received 2022-11-24
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. (OH)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
Here is the list of accounts that still needs verifying : XXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX XXXX XXXX : {$960.00}
Consumer complaint received 2022-11-24
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. (FL)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. REPAIR or CORRECT these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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 AM WRITING TO UPDATE/ CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 

PLEASE UPDATE : MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
MY ONLY LEGAL NAME : XXXX XXXX XXXX XXXX MY ONLY SOCIAL # XXXX MY ONLY XXXX : XX/XX/199XXXX XXXX XXXX I DO NOT WISH TO HAVE ANY TELEPHONE NUMBERS ON MY REPORT. 

PLEASE REMOVE ALL THE OTHERADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE INACCURATE.
Consumer complaint received 2017-10-26
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: AMERICAN EXPRESS COMPANY (CA)

American Express is the worst credit card company.They charged my credit card without my authorization. 
I have spent thousands of dollars in attorney fees and is telling me I 'm responsible for paying for it. Stay away from American Express. If they come near your wallet, throw your wallet away. If they call you hang up immediately. 
My experience with Amex is terrible. They keep sending the same questions to my attorney and is just the worst company to deal with. No resolution, just give you the run around. If you have an Amex account, discontinue using them. 
Stay away! Beware!
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

On XXXX XXXX of 2017 I contacted Navient about options for lower monthly payments. I could never get in contact with them and they offered no solutions for me. It is not possible to contact them online through your account and it would say to call them. When you call them you get out through an automated service that leads to a dead end. I eventually had to go to the government loan website and apply to re consolidate and get lower payments. I chose to keep them with Navient, because 2 or 3  years ago when I re consolidated my private loans from navient ( XXXX XXXX at the time ) to XXXX XXXX. Navient lied to me and said they never got payment, when XXXX told me yes they had written the check to them a week before. So I ended up making another monthly payment to XXXX XXXX/Navient when they had it all payed in full from XXXX XXXX. I have never had good experiences with them and they have never been honest with me.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX Experian sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged my credit report
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

Caine & Weiner just reported a {$150.00} collection account on my credit report. I have never been contacted by this company, and have no idea what it could be. When I call them, all they do is tell me that I can either pay it, or dispute it with the credit bureaus. They give me no details about the account, or where it came from. I recently found out that it is a violation of federal collection law to report a debt on someone's credit report, without first supplying them with a 30-day notice to dispute.
Consumer complaint received 2024-04-23
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX, I obtained a prepaid card from American Express for {$500.00}. I tried to make an XXXX purchase with the card, but XXXX rejected my purchase and took XXXX XXXX off of the card to verify the payment. I called American Express about this issue and they told me that they would have the problem resolved in XXXX hours. They called me back at XXXX ( XXXX ) XXXX and asked me to give my prepaid card information and told me not to use my card for XXXX XXXX. I followed their rules, and when I logged on to see the balance less than XXXX XXXX later on XX/XX/XXXX, The balance was XXXX XXXX. {$490.00} was purchased at XXXX, and I did not make that purchase. I filed a dispute, and American Express Rejected it saying the following : Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the dispute case referenced above. After a thorough review, we have determined the XXXX information was provided by you to complete the transactions in question. If you permit another person to have access to your XXXX or XXXX number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. 

As a result of our investigation, this dispute claim has been denied and the case has been closed. If you choose to initiate an investigation through law enforcement, we pledge our ongoing support and hope that you are able to recover your losses. We place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. We regret the circumstances that led you to contact our office. 

Sincerely, XXXX Dispute Resolution
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I was charged XXXX dollars on XX/XX/24 for a payment to a XXXX XXXX. I do not know a XXXX XXXX. XXXX disputed it and PayPal said I owed the money and provided me no proof. I requested it from XXXX and paypal and got the run around. No response. PayPal and XXXX refuse to do anything. Transaction ID XXXX
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a notice letter from XXXX  on XX/XX/2018 saying that I cant open up a bank account with 2 pages of Inquiries I never heard of. Being that I cant open up a bank account for the next 4 years it has been a struggle for me to even fix my credit score and the ability to manage my money in a safe and positive manner.
Consumer complaint received 2024-04-23
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

We noticed charges on our statements ( which we unfortunately didnt pay attention to sooner ) for Payment Security Fees of {$160.00} every month. It is supposedly incase you are unemployed to cover the payments. This is wrong. I never ever sign up to these programs in XXXX years of my life, and I did not sign up to this one. 

Lowes Synchrony bank was phoned by a Lowes representative while in our home assessing the costs for a project. We realized we needed more credit. So the Lowes rep, contacted Lowes Synchrony, we did an application over the phone, I got approved. That was it. Since then I have just been making on time monthly payments. 
Lowes Synchrony closed this account on me, for no apparent reason.

Since then I am trying, with many phone calls, many conversations and repeating the above explanation, to get these monthly charges removed and refunded back to my account.

I NEVER EVER signed up to this program, everything was done over the phone. Lowes Synchrony sent a letter that they will refund 1 years of charges but nothing else because they claim it was legitamate! HOW CAN THIS BE???? THIS IS CONSUMER FRAUD! 

I have had this account since XX/XX/2021. 

I request Consumer Financial Protection Bureau to help me to have ALL of these fraudulent charges removed and refunded as well as all the INTEREST ACCRUED on the account from these fraudulent charges. Not only 1 year. 

And why would they refund 1 year if it was legitamate? They clearly know this is fraud and I never requested this program.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

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  15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without instructions.