davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

I had someone commit check fraud using my informations dummy bank card. I filed several claims either their fraud department, tried to contact them several times about my account, which they closed. They determined that I or someone I knew was using the card, as if I was the one that did that to my own account! Tried to get them to reopen the case, but was also denied.
Consumer complaint received 2023-03-16
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. (TX)

When I investigated my credit report, I realized that the same of items were erroneous. The 3 credit Bureaus are required to investigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XXXX 2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with one another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-05
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)

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX XXXX and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened an a credit account w ith Capital One Bank USA NA i n  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  Capital One was to cor rect this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing th e two accou nts. The removal is to be fro the account ending in ...  XXXX .
Consumer complaint received 2020-09-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc (VA)

On XX/XX/XXXX I've submitted CFPB complaint # XXXX against XXXX XXXX XXXX XXXX ( XXXX ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with XXXX  via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from XXXX accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of XXXX   practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting XXXX  via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called Synergetic Communication, Inc. ( SCI ) demanding for me to pay {$100.00} where the Original Creditor is XXXX, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact SCI via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.
Consumer complaint received 2020-06-19
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)

There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( Transunion is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to TU Open date XX/XX/XXXX and According to XXXX  Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on TU, XXXX, and XXXX  ) TU has an opened date of XX/XX/XXXX and XXXX  and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), 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 ( 2 Times ) I was never late on my XXXX XXXX XXXX XXXX in XXXX or XX/XX/XXXX.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On or about XX/XX/XXXX I woke up normal time ( XXXX ) and looked outside. My XXXX XXXX was gone. I called the police and reported it stolen. This was during the time the XXXX Boys were all over the news for stealing the XXXX and XXXX cars. I filed the next day, a claim with my insurance XXXX and also email my lender, Credit Acceptance. At this time my attorney told me to not to pay on the car as it was stolen and that XXXX will be able to pay it off. I also had XXXX Insurance as well for coverage. By XXXX XXXX notified me that Credit Acceptance did not get back to them. I continued to email Credit acceptance with no success. I also sent letters to Credit Acceptance asking them to please get ahold of XXXX. XXXX let me know the rental car I was using would expire by XX/XX/XXXX so I went to XXXX XXXX and purchased a new XXXX XXXX XXXX. My credit report was pulled and I was approved by XXXX for a new car loan. I drove the new car home on XX/XX/XXXX. Everything was great! Then on XX/XX/XXXX, on XXXX XXXX in XXXX, I was hit by a XXXX and the new car was destroyed. The insurance for the individual XXXX told me to go to XXXX for a rental car until the claim was paid for the car. I did. The rental car was good until XXXX as XXXX decided to only allow so many weeks. I went to borrow a car from a friend and used it until XX/XX/XXXX when it broke down. I was able to secure another car from a friend temporary. Why the delay? I have been dealing with health problems because of the accident. 
On XX/XX/XXXX I applied for a car/loan again with XXXX XXXX XXXX The sales person called me back and said Why is there a repo on your credit report? I told him no that car was stolen. He said the payoff looks like {$2500.00}. I said NO I had XXXX year left and owed {$4800.00}. He said that is not what Credit Acceptance is showing. I email Credit Acceptance and AGAIN, they refuse to answer. 
I called my attorney and he said facts are simple : If they did repo the car, why did not my credit report show it back the end of XXXX? Second, I was NOT given the right to cure the alleged default. Third, I was not given the right to retrieve my personal belongings. If this is true, my rights were definitely violated. 
It is so hard now to get a loan. I hope no one else has to deal with this situation. 

XXXX XXXX
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (MD)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from the XXXX Dealership located at XXXX XXXX XXXX, XXXX, MD XXXX. I authorized only this company to hard inquire about my credit report once. Without my consent, 700 CREDIT inquired about my credit report twice on the same day. I did not approve for two separate inquiries.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

Dear whom might be concerned, My name is " '' XXXX XXXX ". I have been trying to report about inaccurate items in my credit report over past year. However, none of the CFPB 's response has fulfilled my demand. ** Please investigate these derogatory account within the legal time frame of 30-45 days as. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the below items ) and filing lawsuit if not done. 
**Address** _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, ILXXXX _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX These address are not belong to me, please delete it immediately as they are intervening me from obtaining credit. I have enclosed proofs of my current address and driver license. 
*Auto loans* _XXXX XXXX Reported : XX/XX/XXXX How can there be $ XXXX  monthly payment in a closed account. DELETE IMMEDIATELY. ** HARD INQUIRY* _XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX This is unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. In accordance of " Metro 2 Compliance Violation " ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. Please delete it!!!! 
_XXXX  XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized and the credit bureau has violated " Metro2 Reporting Compliance " by not reporting their contact information.
Consumer complaint received 2023-01-06
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. (TX)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This letter is to inform you that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I  request that all the information circled on my credit report be blocked from my consumer credit file with your company pending full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is done to remove these fraudulent accounts from my report.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 my XXXX year old son using my computer ( unauthorized ) purchased 2 pair of sunglasses from a company pretending to be XXXX XXXX XXXX XXXX  ( XXXX ) based in the USA and they are not. They are called XXXX based outside the country. 
The transaction was made around XXXX this day using PayPal, my son notify me in the morning around XXXX of what he done, I immediately contacted PayPal to cancel this transaction and they refused to do so, I stated 2 valid reasons on their cancelation policy : One that my son was unauthorized and a minor ( not legally bound ) and second that the seller was obviously a fraud/scam. 

Also that morning I try numerous times to contact seller to cancel order with no luck. Seller did not reply, at this time XX/XX/2020 the purchased items had no tracking information, bank account was not drafted and I have try to inform PayPal of this with no luck, they quickly closed the dispute I place on resolution center without a valid response, and with disregards that this company is a fraud/scam. 

I believe that PayPal is in violation of the Federal guidelines on how to protect consumers from fraud, and that they even seem to be encouraging this type of behavior from fraudulent sellers. 

Seller sent a shipping tracking info XX/XX/2020 with a fake international tracking number, since XXXX do not recognize such tracking! Again another obvious red flag! 

Paypal transaction ID : XXXX for {$75.00}
Consumer complaint received 2023-01-05
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)

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 XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I applied for a Macy 's Amex card to get a discount on a purchase in XXXX and was approved. 
The items purchase were returned and an email on XX/XX/XXXX confirmed a refund had been made 11 days prior to the payment due date of XX/XX/XXXX. I owed nothing for the statement period. 
Today, XX/XX/XXXX, I received notification that payment was late. I checked online and saw I had been charged a {$30.00} late fee on the new statement which closed XX/XX/XXXX. 
I was on hold for XXXX minutes to get a representative, and when I did, she offered to remove the late fee " as a one-time courtesy. '' She was unable to understand that there were no charges owed or late as items had been refunded before the due date ( she was confused by a new statement, closing on XX/XX/XXXX with a payment which is not due until XX/XX/XXXX -- purchase also returned and refund confirmation received on XX/XX/23 -- so nothing is owed, and nothing can be late -- everything having been returned prior to payment due dates ). 
I wanted an email verification that the late fee had been removed so I asked to speak to a supervisor, but after another 15 minutes on hold, I hung up and called a different number appearing on the credit card statement. 
This second agent confirmed the late fee had been removed and that all items show as having been returned and refunded but she said I will not be able to see this correction for 72 hours online.
Consumer complaint received 2022-11-07
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. (AL)

Improper use of credit reporting; Credit ran without consent.

Creditors Name:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX