davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These are all hard inquiries that are on my credit report that I have no knowledge of or gave permission to check or pull my credit
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My personal information was given out to unknown unreported inquirer and no information was given or no notice given. My account was used to give a creditor I had no Affiliations with inquiry to my personal banking. XXXX XXXX  abused length of account on my credit report.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (IL)

XXXX XXXX is reporting that I owe them XXXX for a XXXX credit limit. At that time I was making monthly payments until. Contracted XXXX in XXXX. 
When I called to check the status of my account in XXXX of XXXX I had an overpayment. I have not used the account. I have not seen a bill in almost a year and to top it off the account number that they are reporting to the credit bureaus is NOT my account number. I filed a dispute with XXXX XXXX Credit bureau in XX/XX/XXXX. When the Representative asked me for my credit card number, she told me that my number was incorrect. I told her I am holding the card in my hand, this is my account number. She said that is not the number I have in front of me. She said she would include that in the report and the dispute was filed. 
I have not received any correspondence from Avant Bank regarding this matter. They are damaging my credit.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CO)

I have submitted a letter to Credit Collection services regarding an account they are reporting on my credit report. It is still showing up as an open account, paid collection. 

This account should have never been reported as a collection. This balance was paid with the original creditor. They have not responded to me, they havent removed it from my credit profile.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-22
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: DISCOVER BANK (FL)

Hi, I am attempting to resolve an error where Discover is violating the law, nor are they practicing good business principles and they have not protected me by standing on their {$0.00} XXXX XXXX XXXX XXXX are in violation of the Fair Credit Billing Act. 

I have called Discover fraud department ( in XXXX ) regarding a fraudulent charge of {$400.00} from a XXXX transaction on XX/XX/XXXX, they closed my account and issued me a new card. 
On XXXX XXXX I called them back advising it was NOT fraud and I allowed a family member to use it. ( ERROR ON MY END ) When I discovered the error on XX/XX/XXXX as my other credit card company and family member confirmed it was XXXX XXXX card used not Discover, I immediately called discover back to advised know it was an erorr on my end and to re open the original dispute as the initial charges still stands and it was indeed fraudulent from the beginning. 
I was dealing with several family member deaths and my mind wasn't in a sound place as I was mourning my loss with my family/ loved ones. I have called 4 months in a row on this matter and I am beyond exhausted on getting this resolved. Discover has not provided me any Legal written documentation or proof providing I have did business with this company and they refuse to issue me back the {$400.00} charge. 

Per the recorded calls they don't even have a phone number or proper documentation/ proof to give me to call to contact this company about the charge, this is not a fair business practice I hope we can get this handled collectively here. I am seeing the {$400.00} to be credited back to my account. 

This is exhausting and it is causing me so much stress/ time and extra charges on my account. 
Thank you for your attention on this matter.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I Have 4 Hard Inquiry On My Credit Report & None Of These Banks Are Mines. 3 Capital Ones, 1 XXXX XXXX XXXX. First One Is Capital One Its Been Posted On XXXX XXXX XXXX Second One XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXXt.

I Would Like To Put A Lock On My Credit If Its Possibly
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. My rights have been violated. 
15 U.S.C. 1681 Section 602 States I have the right to privacy.

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

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

Reference numbers XXXX and XXXX. Department of Veterans Affairs account : XXXX and XXXX Consider this notification that I am disputing this debt with the US Department of the Treasury for {$65.00}. XXXX and {$72.00}. XXXX. This amount was for a co-pay that was improperly billed to me. As a XXXX XXXX XXXX member, there is no co-pay. The XXXX XXXX XXXX HAS received payment for the dates of service. A co-pay and resulting interest was negligently sent to me and should be expunged according to the Federal Trade Commission. Failure to do so can result in a FTC complaint and " Notice of Penalty Offenses '' up to {$50000.00} per violation ; my case has two instances which would total {$100000.00}. 
Please find a Copy of the VA Inspector Generals complaint that has also been submitted.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

My name is XXXX XXXX. I am a faithful regions customer and have nearly XXXX XXXX dollars in deposits with them ( was nearly XXXX XXXX until a few months ago ). Someone wrote a check that was fraudulent a few weeks ago and I met a region 's employee XXXX at the XXXX  XXXX branch to address this. I asked him if I needed to close this account and he said no, not just for one fraud check. I went to check my account last night and a XXXX check ( or maybe ach ) had taken place. This was also fraudulent. That is XXXX dollars taken from my account!!! I am beyond frustrated and am at wits end. I know that regions has made a ton of money over the years and want to stay with them, but this is unacceptable. I need this money back in my account or I'm going to close all of my accounts and move my money to a bank that cares about me. I have waited months for a refund on the first charge and regions is not going anything!!!! 

Account number XXXX. 

Fraud Charges : {$9700.00} {$4900.00} This is absurd how poor regions have handled this!!!!
Consumer complaint received 2023-05-16
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. (MO)

The unverified accounts below continue to report on my credit report despite several written requests there are still incorrect accounts.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected or removed immediately : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Balance Owed : {$100.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2020-07-30
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. (LA)

Experian and XXXX are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report Experian and XXXX  to the XXXX and the XXXX!
Consumer complaint received 2018-12-09
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. (MO)

Being a victim of fraud is no fun nor is it easy to get fraudulent items removed. The following two accounts only shows on Experian, when the other 2 agencies rightfully blocked them. These accounts are not mines and I'm respectfully requesting that they be removed. XXXX  XXXX loan, and XXXX XXXX XXXX XXXX. If your investigation come back as accurate via electronically then please as a consumer I have the natural right to have physical documentation from my accuser, in accordance to the FCRA law.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NJ)

I got laid over in XXXX Friday XXXX and I had to find a hotel. I could get reimbursed up to {$250.00} from airline so I looked for hotel close to airport and that price range. The XXXX came up and would cost @ {$50.00} out of pocket so I took it. When I was looking at hotels and choosing them for their price and I would go to pay they would all go up a few XXXX dollars like a scam or cliche. I was in rush and had to be back at airport in XXXX hours. When this one came up total {$290.00} I took it it was advertised around {$240.00} befor taxes and fees. When I got home I see they charged {$290.00} but also took my {$160.00} reward bonus!!! That is not what I chose. This is XXXX  a scam. I also used my XXXX credit card to pay so hard to dispute although I will be writing federal banking. I want my {$160.00} I was scammed out of. As you can see I did screenshot a different hotel I was going to get but when Id go to pay it would be at least {$400.00}! It says on add members save 10 % well their price is far less than 10 % showing the glitches you were having. When I wrote hotels they asked for proof, I didnt know I needed proof for my purchases with them Ive had them over XXXX years and a gold member
Consumer complaint received 2022-09-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.
Consumer complaint received 2022-09-22
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. (GA)

I need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-10
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: Southern Auto Finance Co (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance with the fair credit Reporting act Capital One Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose. 

This is in regard to late payments posted by Capital One on dates ; XX/XX/XXXX and XXXX, XXXX and XXXX of XXXX.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-03
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. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-26
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2022-12-03
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-01
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. (VA)

Through XXXX, I received a FCRA Disclosure from Transunion which contains significant, incorrect information causing my insurance rates to increase 15 %. There is likely other adverse results of this incorrect reporting that I have not discovered yet. I tried calling Transunion as indicated on the notice but they provide no help whatsoever. I did have a bankruptcy which was discharged in XX/XX/2020 and having worked in the XXXX XXXX industry for 30+ years I am more familiar with credit issues than most and take responsibility for my issues. 

Transunion is reporting to XXXX the following which is incorrect and resulting in higher rates : -Credit history is too short. This is impossible as I have had credit in some form or another for approximately 30 years and had a credit score of roughly XXXX going into my bankruptcy. I filed for BK for preventative reasons not for bad credit reasons. 
-Too many accounts that are 30+ days delinquent. Since my unsecured debts was discharged in the BK process, I have no past due accounts, period. 
-Excessive number of bank revolving accounts. I have one credit card, how this would be determined excessive is beyond my understanding. 

I am trying to responsibly restore my credit rating and it irritates me that Transunion is causing me financial harm by reporting incorrect information and I need some assistance.