davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. 

These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. 
I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Identity theft stolen identity fraudulent account This account was deleted from my credit report then added back onto my credit report this account was deleted two an gets added back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount XXXX Opened XX/XX/2015 The creditor also changed its name to the XXXX XXXX XXXX and but this account back on my report This account does not belong to me I never applied for credit with this creditor Experian sent me letters saying the account was deleted from my credit report and sent me online dispute results showing the account was deleted from my credit report but then add the account back to my report after it was deleted
Consumer complaint received 2023-07-11
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 consumer reporting agency can not furnish an account without my written instructions.
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. (GA)

I did not give XXXX XXXX XXXX permission to share my personal information with any other third parties. I wrote them asking for disclosures that I signed that gave them permission to share my information with the top XXXX credit reporting agencies. I have not received a response as of yet.
Consumer complaint received 2024-06-14
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 (GA)

On XX/XX/year>, I used my Capital One card to prepay for parking at the XXXX XXXX XXXX parking facility. Upon exiting the facility on XX/XX/year>, my XXXX XXXX XXXX was charged for the entire stay and my prepaid credit was not applied. I had prepaid {$85.00} and was charged an additional {$96.00} on exit. I should have been charged {$11.00} upon exit for an extra day, not the entire {$96.00}. 

I attempted to contact the vendor to resolve this but did not get a response. Therefore I opened a dispute with Capital One on XX/XX/XXXX to reverse the prepaid parking charge since my entire stay was paid for by other means ( i.e. the XXXX XXXX ). 

Capital One did not reach out to the merchant to investigate but instead closed the inquiry saying it " lacks the requested information ''. I called again on XX/XX/year> and was escalated to a " Fraud and Dispute Specialist '' once I said I wanted to close my account. This agent told me that Capital One could not open a dispute because of " XXXX and XXXX rules ''. The XXXX receipt did not indicate the " expected amount of the charge ''. They said they could re-open the dispute if I could obtain a better receipt. 

Capital One 's position is absurd and anti-consumer : XXXX ) Consumers can not control the amount of detail that a vendor provides on a receipt. Capital One 's policy perversely rewards merchants who provide the least information. 
XXXX ) In my experience, no receipt includes the " expected charge '' and " actual charge ''. This is nonsensical. Aside from outright fraud, the merchant is always billing for what they believe ( at the time ) is the correct amount. 
XXXX ) Consumers open credit card disputes because a merchant is unhelpful or uncooperative. The entire point of a credit card dispute is to ask the credit card issuer to investigate the claim and demand a justification from an unresponsive merchant. Shifting the burden to the consumer renders the entire dispute process useless. 

In summary, my dispute was based on a claim of " Paid by Other Means '' and I provided sufficient documentation to substantiate my claim. Capital One should have made a serious good-faith attempt to investigate my claim and should have requested documentation from the merchant. Instead, they arbitrarily closed the investigation.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-04-25
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. (TX)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the accounts of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent a final payment to my contractor on XX/XX/XXXX for {$56000.00}. The payment should have been recieved by XX/XX/XXXX, however when it was not received by XX/XX/XXXX, I called CapitalOne and spoke to a representative. The rep advised me to cancel the check and issue a new one. I asked how long it would take for teh funds to be returned to my account and he told me 'end of day today '. He did not read the required disclosures and I was never advised it would take up to 10 business days to receive the {$56000.00} back to my account. The amount is still due and I do not have the funds to pay it. On XX/XX/XXXX, I called the bank and was told various times it would take for the funds to be returned ( 1-10 business days ). The representatives stated that they did not know what would happen if the contractor received a paper check. The bank has taken no action to return the funds to me or provide me details on how I can avoid fees and interest nor have they provided me evidence that they sent the check in the first place or that required disclosures were provided.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I had my account set up where if there was not enough money in my account, it would have declined a purchase. they continue with the purchase and left my account overdrawn and applied the fees for the overdraft.
Consumer complaint received 2022-11-01
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)

Have sent certified mail 4 times to update my personal information and each time I was advised that the information was updated. I requested a copy of my credit report and received it and my name and personal information has not been updated properly.
Consumer complaint received 2023-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (VA)

In XXXX Title Max gave me a loam on my XXXX XXXX XXXX. After they gave me the loan they raised so many fees and interest on me it was impossible to pay back the XXXX dollars they loaned because the interest was over XXXX percent I think. They came to my house the tow guy damaged the back of the car by just picking it up and dragging it without being fully latched to it. The car had a blue book value of around {$6400.00} and they never gave me a dime when they sold it at auction. I've paid enough payments to them to pay back the XXXX dollars twice as I recall and it just kept going up and going on the interest and loan it was impossible. They stole a {$6400.00} dollar car from me and got paid back around double what they loaned me I think it came out to.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TN)

Checked my credit report and it was alarmingly low. I reviewed the accounts and showed Comenity Bank as over 180 days past due, opened, used but never paid. In reviewing the other accounts on my report NO OTHER account shows that pattern, everything is in good standing, making payments, or paid off. 

The report also shows an address associated with this Comenity account as not mine ... from a state I have never loved that was opened XXXX. 

I have spoken with XXXX, XXXX, and XXXX about the removal of this from my report. I have also contacted Comenity informing them that it is not mine and nothing associated with this account is mine, so it is fraudulent, along with the steps that I am taking to dispute it.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (MS)

On XXXX  a letter was sent to Equifax in regards to incorrect reporting of 4 accounts. They were reporting a past due balance on an account that has been closed since XXXX as well as the dates did not match up with the dates on of the accounts and status provided by XXXX and XXXX I have not received a response and it is now XX/XX/XXXX I am now requesting they be removed. The last dates of activity, last payment dates and even dates the accounts were closed and were open do not match, I also sent proof and the errors as well along with proof of my identity.
Consumer complaint received 2023-04-18
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)

I owe XXXX with interest in student loans, XXXX has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and XXXX. XXXX transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. XXXX has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans XXXX is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the XXXX account should be removed ASAP. ALL XXXX  were transferred to XXXX and it is attached to this dispute with the actual XXXX notice!
Consumer complaint received 2023-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES OFF MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

Aidvantage allowed identity theft to occur on my behalf using my personal information. I have never had a student loan in my life. Since that time, my attorney and I have sent them an FTC affidavit, multiple letters, and additional information requesting them to remove the fraudulent account. We've also asked them to contact the Department of Education about the fraudulent account. However, they have not taken any action. They have not cooperated at all. XXXX months later, they still refuse to do the right thing and won't even respond to my attorney 's letters. They failed to exercise proper due diligence. Once they issue collection notices again, I will file a claim in the local court. I am seeking {$100000.00} for the distress they have caused me and damages along with fraud Aidvantage has coerced in. The conduct of the individuals running Aidvantage is reprehensible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing.

The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have a small collections/charge off on my report via XXXX. It was charged off and being managed by a 3rd party collections company called XXXX XXXX. 

I submitted a settlement payment for less than the balance owed directly to XXXX XXXX and received a confirmation email indicating the account is settled and balance is closed. However, XXXX refuses to acknowledge the account as settled and continues to report it as an open account with a balance.

In addition, Experian refuses to adjust the account even after I provide proof ... .meaning this particular CRA no longer has the consumer 's best interest and is only taking the creditors best interest.
Consumer complaint received 2023-10-06
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (WA)

Lexington Law showed up during an online search. I put my information in and they contacted me and made lots of promises. Reluctantly, but, figuring what choice do I have, I gave them all of of my accounts, social security number ect. And every month for almost 3 years I waited for an adjustment to my credit report. I would call and the representative would say just hold on a change is coming. My payments were deducted automatically from my account. When I was finally DONE with them they of course questioned why and made it difficult to disconnect my services. But we finally did.
Consumer complaint received 2024-03-01
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: Google Compare Credit Cards Inc. (VA)

I've had Google XXXX account for years.. I made a purchase last XX/XX/XXXX. I never received the item ( earbuds- {$210.00} ), I suspect it may have been stolen. I shouldn't be held liable for something not in my possession I've made multiple attempts to dispute with Google XXXX, to no avail! 

Im sure theres a way to track the item but Im not getting cooperation to resolve the issue, Pls help dispute and resolve this with a proper due credit thank you!
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-06-16
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. (FL)

DUE TO IDENTITY THEFT THESE EQUIFAX INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EQUIFAX PROFILE. 
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
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-10
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. (FL)

I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX