davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-05
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. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION did not do a proper " investigation '' according to the FCRA. 
XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
TRANSUNION Did not do this. 
Also transunion has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
Transunion stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2021.

Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Transunion on the account XXXX XXXX XXXX  the dates OPENED are reporting differently on my most updated report that was sent to me by Transunion after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Transunion informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
My right as a consumer have been violated Based on the following laws : 15 USC 6802 ( b ) 15 USC 1666 ( b ) 15 USC 1681 Sec 602 ( a ) - I have a right to privacy Please update all payments on the account to on time.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

Copy of letter sent to company. The first letter I cancelled account. 


Dear American Express Agents : Acct ID : ... ... ... ... ... ... XXXX XXXX : Acct # ... ... .. 
I recently received correspondence from your company. It was very stressing and frustrating to receive such a letter dated XX/XX/19. 
I am afraid there is some confusion on your side. I would urge you to have a qualified individual review my case. 

For you information, I cancelled this credit card months ago since I had no need for it anymore, am using other accounts more frequently and to save an annual fee ( continue to charge me $ XXXXlate fees ) .. 

In my last use of the AE card, I received a credit from the XXXX merchant for {$44.00}. Part of it paid an automatic payment that wasnt correct. But its okay, I received credit from with the XXXX XXXX  merchant. 

Although, the credit did pay for that automatic payment to XXXX XXXX 
That would leave a credit to me for {$21.00} on the AE account. This means you owe me a refund of same. Instead you have chosen the opposite and decided to keep the funds. I consider that theft. 

I had received a letter of cancellation from you. Why would you continue charging me unjustifiable? Why do you want to damage my reputation? 
Dont feel rejected because I will not be doing profitable business with you.
Consumer complaint received 2023-05-13
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. (IN)

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

15 USC 1681 Section 602 A. States I have the rights 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 other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-10
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2020-06-10
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$680.00}
Consumer complaint received 2023-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

On XXXX XXXX XXXX  I visited XXXX XXXX XXXX XXXX in XXXX, TX for treatment and presented my insurance. After treatment, I was sent a bill as my co-pay for about {$280.00} from my Insurance company ; XXXX XXXX XXXX. I paid the bill and assumed my dealings with the situation were over. It was not until I was processing for a federal position recently and a credit check was ran that I was informed of a collection debt of {$980.00} on my credit report, which has brought the process to a halt. I called the agency and found out I was being charged a 'doctor 's bill ' for that same service and after contacting the insurance company and filing a complaint I was told that the bill was submitted past the allowable time and thus, they were not liable to pay it and neither was I. I will attach the correspondence to this complaint. I also found out that the bill was sent to an erroneous address which is why I had no idea about it and it was subsequently forwarded to collections. I tried to get a detailed bill to send to my insurance company but the collection agency ; United Revenue Corp, never sent it despite promising they would. I am suspecting foul play because my insurance company told me the two doctors ' bill were approximately {$14.00} and {$45.00} when they were sent to them past the period. I do not know how the bill could have then ballooned up to {$980.00}.
Consumer complaint received 2023-01-13
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-13
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-06-10
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-06-10
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-01-03
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: EQUIFAX, INC. (FL)

Between XX/XX/XXXX and XX/XX/XXXX XXXX my credit was checked 11 TIMES without my permission and authorization. These inquiries were done fraudulently. Please remove. 


XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a checking account with Capital One for my business. This account had overdrawn, and on XX/XX/XXXX, I transferred money to bring my account back to positive with a final balance of {$20.00} ; I logged into my account and verified this balance. 
On XX/XX/XXXX, I had an incoming wire transfer of {$110000.00}. Capital One accepted this wire transfer and my new balance reflected a total of {$110000.00}. 

I logged in to verify the transfer, after which I continued to pay off credit card bills, vendor payments, and most importantly, XXXX XXXX XXXX XXXX payments. I paid these bills using my credit card company 's app and ACH transfer with my XXXX XXXX. 
On XX/XX/XXXX I tried to move money into my personal checking account to pay my mortgage ( I was 90 days behind, and I had made arrangements with my Mortgage provider to make payments ). When I tried to transfer the money, the transfer would not go through, so I called Capital One Customer Service. 
I was informed that my account has been closed due to overdrawn status, and I can not use the funds to pay any bills ; all debit will be denied, but they will still continue to take incoming credit. My account was overdrawn {$79.00}, which I covered and now had an additional {$110000.00} that I can't access. They refuse to move the money into my checking or have me go to a bank and pick up a check ; the only option I have is to have them mail me a check which would take 7-10 days and another 2-3 to clear after that. 
My family 's health insurance will be canceled, my house will be in foreclosure, and all my credit cards will stop working. All they have to do is turn the debit back on since the account is not closed since it is open to incoming transfers. 

I want access to my money ASAP ; I have a checking account with Capital One. They can just transfer the money in there or open my account back up ; if they don't want to do either, they can wire me the money to a new bank account. I can not wait 7-10 days for my check. 

I also need Capital One to pick up all late fees and penalties I will incur. When I log into my account, there is no message saying my account is XXXX XXXX XXXX XXXX. There is no way for me to know my status it looks like its a functioning account with money in it. I would also ask CFPB to look into this practice. They are stealing money from people since they had no intention of contacting me had I not contacted them ( they told me this on the phone )
Consumer complaint received 2021-11-23
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. (NY)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/2020
Consumer complaint received 2020-01-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

This situation on XX/XX/2019 involves XXXX XXXX bank loan intake and customer banker discussing a couples accounts that had been compromised in some way in an open lobby. No privacy and there was approximately 15 to 20 customers in the lobby waiting to be helped or were being helped. XXXX needed to contact another department of the bank and with a voice that carries clearly articulated the customers full account number, full name and spelled the customers last name. This is clearly a breach of privacy and with many people on their phones while waiting there is no way to know who heard him or what others took away from that conversation. When addressed with manager on XX/XX/2019 the manager brushed it off saying the lobby was an open setting and that was how they did business. Manager 's name is XXXX.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim number : XXXX I opened a claim with Bank Of America because {$400.00} was missing from my deposit in the ATM. They rejected the claim and stole my {$400.00}. This is not the first time that this happened but since this branch 's customers are mostly minorities and people who speak little English they refuse to do anything about it and continue to steal from them. 

This is inhumane and the way that Bank of America treats minorities is beyond belief. 

We have been hit the hardest by this pandemic and now they steal our money too. 

The wrong amount was shown and deposited in my account. {$400.00} is missing. I want my money.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am not a third party or a company, I am a victim of identity theft please attached Driver License and my passport, my social security card I lost a few years back.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RAS LaVrar, LLC (VA)

On XX/XX/2019, I mailed a certified Cease and Desist Letter to RAS LAVRAR Law Offices in connection with credit card charges identity theft. ( See exhibit 1 attachment below ) However, RAS LAVRAR Law Offices did not honor the letter and mailed a second collections letter out to me on XX/XX/2019. ( See exhibit 2 attachment below ) Therefore, I am demanding {$1000.00} in statutory damages within 10 days for violating Code Section 805 of the Fair Debt Collection Practices Act and Title 15 U.S. Code Section 1692k ( See exhibit 3 attachment below ) Furthermore, this has caused me significance stress and embarrassment
Consumer complaint received 2020-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX/XXXX  's is not reporting correct balance to Experian, XXXX, XXXX  regarding a closed account that is being handled by XXXX  XXXX  XXXX. I have made several attempts to have the correct balance reflect for {$3000.00}, not {$4200.00} due to XXXX XXXX/XXXX  's. If XXXX  XXXX XXXX balance is {$1200.00}, then my report should reflect it, however if XXXX XXXX  is no longer the account holder this should reflect on Experian, XXXX, and XXXX  Credit Bureaus. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX