davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. XXXX, XXXX, and XXXX are reporting inaccurate information on XXXX with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-12-17
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)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the immediate removal of the fraudulent accounts and information being reported on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00} Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-17
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: CMRE Financial Services, Inc. (CA)

I am very upset with this issue. I sent a letter to the COLLECTIONS AGENCY regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

this XXXX XXXX credit account has been charged off. so this means that XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

Santander consumer is reporting XXXX days late on my credit report and has dropped my credit report tremendously and I was in a XXXX and explained to them what was going on. The account has been paid off they been agreed to change the information and want and its hurting my life tremendously.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Neon Newco Corporation (MT)

Order # XXXX for $ XXXX policy is when the item ships they then take the money out of people 's bank accounts.Many times on many orders they told me it's just an " auth hold '' for the money but yet the money is ( debited ) gone from my account and I go check to see if the item is shipped and I am told the package has not has not been shipped yet and it takes several more days for the package to ship.I have asked many times for them to follow their own policy of removing the money only when the item ships, not " taking '' ( auth hold is still taking/debiting the money because lowers my balance ) the money.Because if it is only an " auth hold '' then they can not mark it as shipped or lower the balance of my bank account/debit card balance.Read XXXX  XXXX policy as well as checking the dates for removal/auth hold of my money and the shipping dates of the items for the proof of XXXX violating their own policies and paypal/netspend helping them do it due to lack of communication between eachother.I wanted to have this investigated immediately with my debit card company card paypal prepaid/netspend but they refused saying " This transaction is pending so we can't so anything until the transaction is completed '' delaying the reporting process.Either way it's up to paypal prepaid/netspend to verify if the package/items have been shipped before allowing funds to be held/removed from customers accounts.This is not the customer 's problem.This is between paypal prepaid/netspend and XXXX.They refuse to investigate and say that the dispute process is only for not receiving items or wrong amounts being charged on account.They don't care in the slightest about assisting companies in violating policy.They refuse to investigate.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OH)

I sent in a debt validation letter on XXXX They sent me a verification letter With my medical records and a list of my procedures. Which I know is a direct violation of HIPPA regulations. I never signed a form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2021-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I booked a hotel reservation through American Express for XXXX XXXX XXXX. Unfortunately a family member has fallen ill and wont be able to make it so I went through the Amex website to cancel it. I didn't realize when I booked the hotel, that it was non-refundable. 

However when I went through the website to cancel it, it stated I would receive a refund. Only after I submitted the cancellation was I shown I would not receive a refund ( I have screenshots confirming this ). When I went back through the booking confirmation email, it states that *this hotel is non-refundable and can not be cancelled* ( I have screenshots confirming this as well ).

So why was i able to cancel this in the first place? Why would i cancel a hotel reservation that i already paid for in exchange for nothing?

When i called Amex travel, the agents were polite, but none of them were consistent in their answer, one agent reinstated my hotel, but then another one cancelled it when submitting a case that was just refuted this morning. So now i do not know where i stand, and honestly, i am over talking about it with travel agents.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

This account was charged off on the following date of XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX
Consumer complaint received 2023-10-06
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. (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX 's customer service representative XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1000.00} XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021
Consumer complaint received 2021-11-17
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: WELLS FARGO & COMPANY (CA)

I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with Equifax and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX Bank, XXXX XXXX XXXX. I previously disputed this erroneous and inaccurate information with XXXX and XXXX Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.
Consumer complaint received 2022-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MN)

Soon after opening a checking account ONLINE the bank 's Fraud Department put a hold on the account and subsequently closed the account. I never did receive a clear explanation as to why the account was closed. I was under the impression that after closing the account a refund would be issued following an acceptable waiting period to ensure nothing else clears the account. The other day I get a statement from the bank showing where they deducted {$20.00} for a monthly maintenance fee from the account. When I called the bank to question the charge and request my refund I was told that I would have to go to a local branch in order to do that. ( Mind you I opened this account ONLINE. ) When I inquired where the nearest local branch was the person " helping '' me didn't know where Minnesota was and was pretty sure that there were none in MN but at the same time couldn't tell me where the nearest branch was located. If a company allows customers to open accounts online I don't see how they can have a policy whereby the customer is required to physically report to a branch to do business.
Consumer complaint received 2022-05-22
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. (GA)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

5 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 2022-05-22
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX 2. Account - XXXX  from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have 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 2022-05-22
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. (CA)

Recently I pulled an XXXX credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX XXXX : open responsibility- joint XXXX XXXX XXXX opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX status XXXX open responsibility : individual XXXX XXXX XXXX XXXX : XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX opened : XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX-XXXX XXXX , XXXX XXXX XXXX services, XXXX XXXX XXXX XXXX-XX/XX/XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.
Consumer complaint received 2022-05-22
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)

Recently I pulled an Experian credit report, to check my score prior to purchasing a car. I was surprised to see my score terribly low. I reviewed the report to find a host of items that I did not recognize. I attempted to reach out to the creditors but was refused any information, because I didnt have the passwords or PINS to the accounts and without that information I would need to get a police report to move forward. I have not given anyone permission to use my information to obtain credit or open accounts with my personal information. Please find the following account information : XXXX XXXX OPENED XXXX, XXXX open balance : XXXX original creditor XXXX XXXX XXXX XXXX XXXX : open responsibility- joint XXXX XXXX XXXX  opened : XXXX open balance : XXXX original creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX open responsibility : individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX balance XXXX status : closed XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX open balance : XXXX original creditors : XXXX status : open responsibility : individual INQUIRIES : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX , XXXX XXXXXX/XX/XXXX I have disputed these accounts, filed a police report, I have been successful in removing some items but I continue to see several items showing listed above even after my repair attempts.
Consumer complaint received 2022-05-22
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account # 1. Account - XXXX XXXX XXXX XXXX. Account - XXXX from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have 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 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (DE)

inquiries from buying a car XXXX inquiries on my credit report that did not drop off in 30 days some of the reporting said that the inquiries would not be on my report because it was a soft pull 1. ALLY FINANCIAL
Consumer complaint received 2022-05-22
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. (GA)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

5 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