davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disagree with the account listed below, which still appears on my credit report. Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$770.00} In accordance with the : Fair Credit Reporting Act, Public law 91-506, Title VI, Section611, SubsectionA-D.

Please provide the names and business titles of each individual with whom you verify the above crucial information with, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Sincerely
Consumer complaint received 2024-02-26
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I am enclosing the letters explaining everything with this complaint. I will give you an overview here. I had received an email offer on XXXX to get a free dash cam if I paid for shipping and handling of {$14.00}. I responded to the email and gave them my credit card information for that purchase only. Unfortunately, I do not have the original offer email to verify the offer. However, on XXXX I was checking my credit card account on line and discovered that that company had charged me {$69.00}. I was able to reach them this one and only time because after I disputed the charge, they disconnected the phone number. I asked what the charge was for and they told me it was for the dash cam. They told me that the {$14.00} was just for shipping and handling. I told them that they offered the dash cam free for just shipping and handling. I told them that I wanted to return it because it was defective and not worth {$69.00}. They refuse to give me any return information and I was told that they did not accept returns. That was when I filed the dispute with Capital One. Capital One gave me a credit but then when they contacted the company, " XXXX XXXX XXXX '', the company told me that I had authorized the charge which was not true. Capital One wrote me a letter and asked me to prove that I didn't authorize the charge. I was unable to prove a negative and I was unable to reach the company that had charged my account because the phone number was no longer their phone but some other company. I tried in vain to get Capital One to reinstate my dispute but they refused and charged my account the {$69.00}. They closed the case because I couldn't prove that the charge was fraudulent. I tried in vain to get Capitol One to give me a valid phone number and address of the company so that I could file a complaint against the company. Finally, sometime during the month of XXXX, 2021 I was able to get a Capital One employee to give me a phone number and a mailing address for Struck A Deal. I called the phone number several times a day for a couple weeks and never reached anyone so I packed up the defective merchandise and mailed it to the address that Capital One gave to me. I called Capital One today but they still refuse to reinstate my dispute and give me my credit.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (NY)

Returned my XXXX truck back to dealership and they sent me a bill for over {$2000.00} dollars. I have sent them several validation notices as I want to know a breakdown of these monies and what it entails and have no responded. Now they have charged it off and sent it to a collections company negatively impacting my credit.
Consumer complaint received 2024-10-16
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. (CA)

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 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 XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (PA)

In late XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX, which from what I understand is a collection unit of PayPal , Inc . It said that I owed them {$7000.00}. I have never in my life had a PayPal account and honestly had no idea you could owe them money as I thought it was basically an internet wire service where you had to have the money upfront. Clearly this is not the case, as I would later find out, though I still don't completely understand how these scams work. After calling PayPal 's customer service and fraud areas and spending countless hours on the phone, two separate investigations concluded that they could find no evidence of fraud. What's really galling is they will not give me any information about the account history or anything else that may help me prove that I did not make these charges or whatever they are because I could not provide the correct e-mail address or phone number on the account. That is tough to figure out when the fraudsters gave their own contact info so that I would not be contacted. One customer service agent did tell me ( I believe against their rules ) that it had to do with web development services and asked if I had ever done that type of work. I just laughed as I'm a pretty big technophobe and still use a flip phone. Apparently, these charges that I still don't understand happened between XXXX and XXXX of XXXX until the account was closed by PayPal. While I understand that the account was opened with basically all of my information other than the e-mail and phone, I find it hard to believe that it would not be simple to prove that I did not make these transactions or open the account if they actually did a real investigation. I believe I could prove it if I had access to the account transaction history and other account details that they refuse to provide. I don't know the exact date but I did send a letter to the collection agency saying that it was identity theft and not to contact me again. On XX/XX/XXXX, I filed a police report with the city of XXXX as I was instructed to do by an identity theft attorney in XXXX. I also submitted an identity theft report with the Federal Trade Commission on XX/XX/XXXX. After many more phone conversations that went nowhere, I sent a letter on XX/XX/XXXX to the PayPal , Inc. legal department with proof of my identity, the police report, a completed FTC Identity Theft Report and requested all records related to the fraudulent account, which is required by law. I also included a copy of section 609 ( e ) of the Fair Credit Reporting Act, which requires them to provide me with this information. I received no response, but did get another collection letter from a different collection agency dated XX/XX/XXXX. On XX/XX/XXXX, I sent another copy of that same information to the PayPal , Inc. legal department requesting all information on the fraudulent account, as per my legal rights. Again, I received no response.
Consumer complaint received 2021-06-25
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. (GA)

I have sent several certified letters to TransUnion Credit Reporting company asking for their verification process of Bankruptcies. I provided Transunion with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my XXXX/XXXX  account. I have received a letter from XXXX/XXXX  informing me that they removed my information as well. TransUnion refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX
Consumer complaint received 2021-06-25
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. (FL)

This complaint comes forth as I have reached out to Experian as a victim of Identity Theft, yet to no avail. I am extremely disappointed in their failure to process this dispute as I am victim already of fraudulent acts and currently feel as if I am shouting in the dark.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

For three months I have been trying to access my Experian XXXX XXXX account. Ive called countless times and ticket number XXXX has been submitted multiple times, however I get no follow up on the issue and Im still unable to log on to the account. When I try to log in I get an error message " Oops, we're sorry! 
Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. Call us toll-free at XXXX '' But I call & they say its a verification issue, but they still can not help me access my account. For more than 5 year there authentication system has been populating information that is not on my credit report and Ive been unable to obtain yearly credit reports online, but have to request them in paper thru the mail. This problem may have something to do with this issue. Please help me fix this issue so I can log on to my XXXX account and access my yearly credit report online.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-25
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: HSBC NORTH AMERICA HOLDINGS INC. (GA)

On XX/XX/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo. 
I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company. 
i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time. 
i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails. 
XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided. 
Since then HSBC has stated that XXXX  has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error. 
They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use. 
No one from HSBC dispute department has given me a call or email me back
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have been getting this message from Experian since XX/XX/year> : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report ''. My report has not been updated since XX/XX/year>. I have spoken to them. I have uploaded my proof of identity and proof of residence at this link : XXXX XXXX XXXXwww.experian.comXXXX XXXX I am still not able to access my Experian credit report. I need this issue fixed so I can see what is on my report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-14
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-25
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. (NY)

This company has violated my consumer rights and the FCRA laws on numerous occasions. I sent them an official statement on XX/XX/2021 with FTC REPORTS letting them know that these accounts were fraudulent. they were to remove these accounts in 4 days of receipt of my letter according to 15 USC 1681c-2. 4 days has came and went and these fraudulent accounts are still on my credit report. Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to. this is complete XXXX that they violated my consumer rights and made me feel powerless.