davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

the firm blocks online access to personal accounts of customers in order to prevent customers from disputing credit information on own reports. Also, the firm Experian created many phone numbers which do not lead customers to anybody or anything solving their concerns. It took me several days and dialing several different numbers to finally get a live person to answer. That person was XXXX who refused assistance, also refused to take my complaint, stating he did not see any matter which was required escalation. His supervisor XXXX also refused to assist, argued that all complaints only can be placed " internally '', the firm ' s policy not to address customer 's complaints. Outrageous! The call was placed by me today on XX/XX/2019 at about XXXX XXXX to number XXXX. Currently, I am locked out my online account and a written request for my annual report was ignored. This is a clear violation of federal laws.
Consumer complaint received 2018-10-03
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: AES/PHEAA (GA)

I'm concerned about the certainty and consistency of your new assessment and then the overdue payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I requested an assessment basically because I noticed the item is not being documented recently. To my big surprise I got a letter telling that your evaluation was achieved and that the item had been " validated as reliable.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX  XXXX/XXXX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX/XXXX/2021
Consumer complaint received 2022-12-27
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-27
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. (NJ)

XXXX XXXX XXXX Account Number : 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 2022-12-27
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. (TX)

I've contacted EXPERIAN, XXXX, AND XXXX about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.
Consumer complaint received 2022-12-27
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've contacted XXXX, EQUIFAX, AND XXXX about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.
Consumer complaint received 2020-01-06
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. (TN)

I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am 120 late. From my understanding of the law, this is impossible to be 120 late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.
Consumer complaint received 2022-12-13
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. (DC)

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The account listed below is not mine. It is associated with inaccurate personal information. Please remove it from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
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)

Experian blatantly lies in their responses to the CFPB complaints I file. They claimed that I violated something in section C but when you read the law section 605B of the FCRA it clearly says you have to do A first and then B and then C after A and B are completed. Experian plain and simple breaks the law by skipping A and B and going straight to C with no proof whatsoever. 
Under the penalty of parjury and in front of the police I swore that I did not open any of those inquiries that I have claimed as fraud. Experian seems to think because I removed the credit freeze that identity theft can not happen at that point. They think that I'm responsible but I've already proven to the police that I didn't do it because they did check the ISP adresses and I did not do it because they didn't match. 
Simply have experience comply with the law A comes before B and B comes before C, The law is written that way for a purpose and they break it so tell them the stop breaking the law. There are 7 inquiries that I have included in this complaint that do not belong to me and they need to remove these immediately because it's been way more than 4 Business days
Consumer complaint received 2019-11-21
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)

XXXX XXXX # XXXX is reporting an account that I do not owe and should not be on my credit. I was scammed for the XXXX and I filed a report with the FBI. I do not owe this it is fraudulent and it needs to be removed from my credit.
Consumer complaint received 2021-09-06
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2018-03-04
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have 2 Capital One Credit Cards. One of them is reporting to the 3 credit bureaus and the second one doesn't report. I called in several times and They always mailed me a letter stating that they verified that it is reporting, ALTHOUGH IT IS NOT. 
I WILL ATTACH SEVERAL LETTER FROM THE PAST YEAR SHOWING THAT CAPITAL ONE DENIES THE FACT THAT IT'S NOT REPORTING.
Consumer complaint received 2022-12-27
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. (CA)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX Balance {$10000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry : XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

I initiated a bank transfer from XXXX to Venmo on XX/XX/XXXX, the website said the transaction would take 1-3 business days which by all calculations at the latest would be the XXXX, after I had submitted the request the language changed to say the funds would be available to send or spend by the XXXX. Low and behold the XXXX is here now after several attempts to use the money they have changed their information again to now tell me my funds wont be available until XXXX  XX/XX/XXXX or even XXXX XX/XX/XXXX at the latest! I have missed work, I am now at work and have no gas to get home my phone and internet have both been shut off and now my electric bill is in question. If this does not warrant a lawsuit then I question the whole system to fraudulence including this complaint process!
Consumer complaint received 2022-12-26
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. (NY)

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 2022-12-26
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. (GA)

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 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 XXXX XXXXXXXX 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 XXXXXXXX/XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports 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 2022-12-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (VT)

In XXXX, my previous banking, XXXX XXXX XXXX Bank ( in the northeast ) was acquired by XXXX XXXX XXXX Bank. Due to certain fees and other rules that came with my funds staying in XXXX & XXXX accounts, I had decided to take my funds out of the account and move them to a HYSA ( High Yield Savings Account ) and split the other into a checking account through XXXX XXXX. I chose Discover for my HYSA, and moved around half of my funds ( XXXX ) into this account from my XXXX XXXX XXXX Account with no issues. I then worked to close my XXXX XXXX XXXX Bank account and transfer the money over. I had some issues transferring the funds, as I attempted to transfer the rest of my money in the XXXX & XXXX account over ( {$4600.00} ). However, due to some unrelated issues regarding me accidentally transferring more than I had in the XXXX & XXXX account at the time ( due to an automatic bill payment occurring in the process ), there were some issues in transferring. Ultimately, I was able to take my money out of my XXXX XXXX XXXX  account in Branch in order to prevent this from reoccurring and deposit it into the Discover account ( on XX/XX/22 ). However, in this process, Discover removed my access to my account immediately after, and when I called later that week, I was told my account was closed due to a " business decision '' and that I would be sent the money within the account by the end of a 30 day period. This, however, did not occur and I failed to get any help from the organization. On XX/XX/22, I was able to access my account online, but was only able to see that I had money in this Discover account. From this point, I was unable to remove any funds even after Discover had told me they had closed it. It appears this account is in some sort of limbo that was supposedly resolved in XXXX, though I still have No access whatsoever to these funds. I have attached XXXX documents labeled in order from 1-3 : 1 is the original message confirming my deposit on XX/XX/22, XXXX is a message saying the deposit would be delayed due to the amount ( XX/XX/22 ), and the third a message from today showing what occurs when I attempt to withdraw or transfer funds ( an issue that others I know with a Discover HYSA do not have ). Thank you to whoever reads this, I appreciate your time and hope this can help me get all of my savings back.
Consumer complaint received 2022-12-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BARCLAYS BANK DELAWARE (OR)

In XXXX, I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, someone accessed my daughters Chase Bank accounts ( custodial accounts, I am also on her accounts ) and deposited 2 fake checks. One to her checking account and one to her savings account. Not sure how they did it, no one is given user names or passwords, they then transferred the amount of the check in the savings account to her checking account and then XXXX paid themselves {$500.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. The names on the XXXX pays are XXXX and XXXX. Chase told me on our first call that there was a third attempt in the name of XXXX but they did not pay it as it looked suspicious. The fake checks were returned on XX/XX/XXXX and the account was charged a return fee. The fraudulent checks and XXXX pays were discovered by my daughter on XXXX. Chase reversed the XXXX pays for the duration of the investigation on XXXX. On XX/XX/XXXX Chase reversed the XXXX pays again stating there was no fraud detected, leaving my daughters account missing {$1000.00}. I was informed by Chase that I would need to request an appeal in writing, which I did on XX/XX/XXXX. They continually told me they didn't receive the appeal request. On XX/XX/XXXX I wrote them again sending proof that I mailed the letter via Express mail and had their signature for receiving the piece on XX/XX/XXXX. They again denied our claim stating no fraud detected. Their letter stated that I could request the information they used in their investigation, which I did by phone on XX/XX/XXXX. The letters finally came on XX/XX/XXXX letting me know the information they used for the investigation was an account review. They did nothing to find out who did this and they are letting them get away with our {$1000.00}. We would like to have our stolen {$1000.00} returned. I'm questioning why they aren't charging us with check fraud if they think we were compliant in cashing fake checks. Except they know we weren't compliant, they just won't return our money. I'm hoping you can help, I've been seeing stories like this one all over social media. Someone needs to help us with the large conglomerate banks taking our money or letting it be stolen from our accounts. Thank you.
Consumer complaint received 2020-01-08
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. (GA)

Hello, On my Experian Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you