davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

I was a subscription customer of XXXX, which charges a monthly fee of {$32.00}, while you keep your subscription, members are sent cologne/perfume sample size containers per member 's choice that are selected from XXXX XXXX catalog listings. 

I joined this service on XX/XX/XXXX. In I canceled my subscription after 29 boxes were received. I canceled the subscription on XX/XX/XXXX, with scentbox through my scentbox portal. My online account at XXXX shows the status of my account to be " EXPIRED '' and states that I would have to reactive the account. However, with this cancellation being complete it, in fact, end a consumer relationship with scentbox and revoked the authorization for them to continue debiting my account at PNC Bank. 

Furthermore, unfortunately, this was not the case. XXXX continued to auto-debit my account after the authorization revocation. XXXX XXXX debited my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all in the amount of {$32.00} totaling {$490.00} stolen from my account since I am not a member and NOT receiving any goods or services for this money since I canceled the account and have that documentation. 

I have attempted to contact the number listed under customer service for scentbox and am told there is no one for me to talk to about the matter. I then to PNC Bank and spoke with a banker who filed a dispute of these charges but never kept or made copies of the documentation that I brought with me to give the PNC banker. I honestly do not even think she looked at any of the documentation I had. I was given a provisional credit but whatever scentbox said to PNC they reversed the provisional credits on XX/XX/XXXX even with the account documentation I have straight from XXXX 's account for my account being closed. The banker even told me that I could not revoke authorization for them to debit my account even though federal law states that I have notified them that they do need to stop them from debiting my account. 

This is my last ditch effort to resolve this issue and get my money back otherwise I will be forced to take legal action as the remedy.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has correctly closed all 16 accounts with XXXX  XXXX XXXX since all of my student loans moved to XXXX in XXXX of 2022, but Equifax is incorrectly reporting the " reported balance '' with the amount of the loan instead of the " reported balance '' on all 16 closed accounts with {$0.00} balances as I do not owe XXXX  XXXX XXXX any money.
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

ACCORDING TO THE CURRENT FEDERAL CONSUMER ACT, 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ), I DEMAND R & B CORPROATION/ CREDIT CONTROL CORPORATION UNDER FEDERAL LAW AND US CONGRESS TO REMOVE ALL ILLEGAL, FRAUDULENT REPORTING TO MY CONSUMER REPORT AND I DEMAND R & B CORPORATION/ CONTROL CORPORATION TO ACT IMMEDIATELY OR YOU WILL BE SUED IN A COURT OF LAW FOR VIOLATING MY FEDERAL CONSUMER RIGHTS ALSO, ACCORDING TO R & B CORPORATION/ CREDIT CONTROL CORPROATION CONSUMER # XXXX XXXXXXXX R & B CORPORATION / CREDIT CONTROL CORPORATION IS NOT LEGALLY ABLE TO COLLECT DEBT IN THE STATE OF VIRGINIA
Consumer complaint received 2017-05-29
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. (TX)

I was a victim of identify theft in  2010 , and shortly after I went through an exacting amount of time attempting to correct and fix this mess.  XXXX , more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private co unsel, 3 sep arate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my  XXXX  report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX
Consumer complaint received 2023-03-02
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. (CA)

I am writing to file a dispute against Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Experian, XXXX & XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Experian, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Experian, XXXX XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Experian, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Experian, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian, XXXX XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease/delete all unlawful furnishing of data onto my credit report of which I mentioned above without my written consent Thank you for your attention to this matter.
Consumer complaint received 2023-03-02
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. (SC)

This is my NUMEROUS request 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 itemsI '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 XXXX  XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2019-02-06
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)

Equifax is incorrectly indicating there is increase in the balance owed by XXXX XXXX XXXX of {$260.00} which lowered my credit score. This is not correct, the original amount owed was {$16000.00} and the current amount owed is {$16000.00}. I have made no payments 30 days late. And there have been no late fees recorded on my statements. Statements attached for review.
Consumer complaint received 2023-03-02
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. (CA)

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (TX)

I was contacted by an representative at Westlake financial upon greeting was ask if Im the correct party. I stated where are you calling from twice and representative refused. If you are calling my phone before i verify anything I should be able to know the company asking for the information but Westlake financial failed to provide me that right.
Consumer complaint received 2023-03-02
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. (AR)

I have an old item on my Experian Credit report that is too old to report, and they are incorrectly stating it will not fall off until XX/XX/XXXX. They have provided no proof of anything else. No Support for their claim. 

Repayment according to Creditor was to start in XXXX. 

" XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$38000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line Of Credit ''
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$9000.00} XXXX , XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX Inquiry : XX/XX/2022
Consumer complaint received 2023-03-02
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-03-02
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. (CA)

It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX XXXX account beginning in XXXX. These include a 30 day late payment posted in XXXX XXXX 120 day late payment posted in XXXX XXXX, 120 day late payment posted in XXXX XXXX, 90 day late payment posted in XXXX XXXX, 60 day late payment posted in XX/XX/2021, and 30 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The item that I am disputing is the following : 5/3 BANK NA XXXX The reason that the item is inaccurate is because I was never late. Please look my bank statements that I have attached to this letter. The correct information should be : Paid on time, NEVER LATE. So I am requesting that it be changed.
Consumer complaint received 2023-03-17
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: CITIBANK, N.A. (MD)

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Macys/Citibank Account XXXX : XXXX
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I went to use my debit card. Both were declined. I called bank they said my account was locked due to suspicious activity. I went to the bank. They would not unlock my account.. I called the number they gave me. They said my account is under review .. first they said because back of one of my checks I deposited wasn't signed. When I opened the account my funds were held for over 2 weeks for clearance of the checks.. I opened 2 accounts. Both accounts are locked now. This is 3rd time. They will give me a reason. They will not give me contact information for who is reviewing my account. I have been to the bank with my id they will not let me close it out. I have called several times and they will not give me any reason they just tell me it is under review.. it has been this way for a week. The fraud people I called tell me same thing. I tell them I'm the only one who has accessed my account. They still will not release any of my money. The accounts are through truist bank
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was informed by my tax preparer in XXXX that my personal information was lost during a business relocation. I was advised that she had made the necessary steps to report the incident to the authorities, and was advised to monitor my credit report and accounts going forward. I recently pulled a copy of my credit report and I see accounts and inquiries that I have not authorized nor any knowledge of. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX I also see credit inquiries made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no relationship with these creditors. 

I've contacted the credit bureaus twice via mail and once by mail attempting to get this resolved. I have yet to receive a formal response I have the right to privacy and reporting accounts without my written consent is in violation of 15 USC 1681B Also furnishing accounts that in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that any address listed that I've never resided be removed from my credit report.
Consumer complaint received 2023-03-02
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. (IA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

XXXX XXXX Venmo sent email they suspended my account XXXX  I submitted photo of my ID they deactivated my account no problem used it for almost a week XXXX XXXX another email they froze/suspended my acc same exact email as the XXXX I submitted another ID photo they did nothing XXXX   I waited 6 days for them to finally reply saying they cant tell me they said my account will be deactivated next Friday the ( XXXX ) XXXX  I get email saying my account will be permanently be suspended and that my funds will be held for 180 days and that they will not respond to any future emails I have {$100.00} frozen in Venmo that they will not let me access or get saying I might not even get my funds, Im really aggervated due to I submitted ID again when the email was a exact copy and paste as same email from the XXXX Ive asked multiple times and they wont even give me a valid actually any reason to why my acc is closed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2023-01-05
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: LEXISNEXIS (SC)

I have a Bankruptcy report on my credit report. I've called XXXX and they said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I was offered a promotional deal/discount from Home Depot . {$25.00} off initial purchase if you applied/got approved for a CITIBANK ( Home Depot ) card. So I applied, got approved, and made a one-time online ( Home Depot ) purchase. But I never received a bill, nor credit card, from CITIBANK... so I was only able to use the card once. The only thing I ever received from them was an overdue bill notice via email. The email gave a phone number to call for questions regarding the notice. But when I REPEATEDLY called, the automated prompt asked for either a credit card number or last XXXX digits of your social security number to continue. I punched in my social security number ( never received the card, so I didn't have a credit card number ), but got a response stating my account had been cancelled ... and was promptly disconnected. Seriously, how can you pay a bill if a company ( CITIBANK ) never sends it?! So I ended up filing a XXXX complaint against them. ( I paid for the purchase, but refuse to pay a late fee & interest. )
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( XXXX, Experian, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.