davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I disputed it with XXXX and Experian they both denied the claim stating XXXX XXXX Provided proof. I had legal service req proof and the submitted a ledger from XXXX XXXX which was a former property manager for The XXXX XXXX in XXXX TX. 

I sent proof I didn't owe the full amount to XXXX XXXX and the bureaus. The Bureaus responded " we are not required by law to dispute a second time '' My complaint is against the Bureaus, XXXX XXXX and XXXX XXXX. They are holding me up from buying my house.
Consumer complaint received 2023-02-10
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. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 


I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.
Consumer complaint received 2023-02-24
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. (NV)

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$7900.00}
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Several charges were made on my Citibank credit card, which is a card issued by the US military for government travel. Approximately, XX/XX/XXXX, I received a fraud alert from Citibank regarding several unusual charges made to this card. I advised the Citibank representative that I had no knowledge of these charges nor did I make these charges or authorize anyone to make any charges and I properly disputed all charges as fraudulent at that time. Citibank subsequently froze the card to prevent further transactions and I was issued a new replacement card. 

The fraudulent charges are as follows : XX/XX/XXXX XXXX 's XXXX  {$57.00} XX/XX/XXXX XXXX XXXX {$66.00} XX/XX/XXXX XXXX XXXX {$4.00} XXXX XXXX {$28.00} XXXX XXXX {$9.00} XXXX {$29.00} XXXX XXXX {$32.00} XX/XX/XXXX XXXX XXXX {$9.00} XXXX XXXX {$6.00} XX/XX/XXXX XXXX XXXX {$29.00} XXXX  XXXX {$17.00} XX/XX/XXXX XXXX XXXX {$18.00} XX/XX/XXXX XXXX  {$200.00} XX/XX/XXXX XXXX XXXX {$35.00} I have never in the history of my use of this card utilized it in such a manner. This card is solely for use during military travel. On XX/XX/XXXX, almost eleven months after my dispute, I was advised by Citibank that I would need to dispute each transaction directly with the merchant where the transaction was made and until this was done, Citibank would not remove theses charges from my account. I have made several attempts to resolve this with Citibank, but they have refused to remove these fraudulent charges and I have been left with no choice but to file this complaint as I believe the Citibank 's actions are improper. Additionally, it is my understanding that consumers are not responsible for fraudulent activity with a stolen credit card or account number beyond the {$50.00} liability limit provided the consumer to appropriate actions, and I took appropriate action in this matter.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (UT)

I.C. Systems Inc # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.
Consumer complaint received 2022-10-03
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. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where XXXX coming from? Common! This is not rocket science! Please comply with the law and DELETE the following items right away. 

XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC (FL)

On XX/XX/2019 , my employer received an email from Apex Servicing with a Wage Assignment Demand Notice. The notice was emailed to my Human Resource department. I immediately contacted Apex Servicing who first stated that they don;t have me in their system. Then the lady stated that yes she found me and the loan is for XXXX XXXX. But my paperwork stated XXXX XXXX. She told me to contact XXXX XXXX becuase they have the write to garnish my wages. I tried contacting XXXX XXXX who address on their website is  XXXX   XXXX XXXX, XXXX XXXX, CA XXXX but on the paperwork it is XXXX XXXX XXXX, XXXX, UT XXXX. It goes on to state that I was notified on garnish but have not received anything via email or USPS. I asked for documents, no one could provide them. My human resource department advised me to do some research regarding the company. I discovered that Apex Servicing is not licensed at all. THIS IS A SCAM
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CO)

On XXXX at XXXX XXXX. I purchased a XXXX XXXX XXXX XXXX with a balance of {$200.00} as a gift for my daughters 13th birthday ; then at XXXX XXXX. an online transaction in the amount of XXXX was charged to said card at " XXXX '' a website neither myself nor my daughter have ever heard of or would have a need to use. Upon finding this I went to the website to see what it was, had my daughter enter her email ( as it's her card ) it then came back and said no user account found ( which we knew because she didn't male the purchase ) I took a screenshot, sent an email to the retailer for suspicion of fraud and proceeded to call the customer service number on the card, except they literally couldn't provide me with any info.. Told me the card was registered to a zip code after purchase ; except immediately after my daughter and I went to thr park and she then stayed there while I went to work, not getting home until like 8 p.m. yet the card was already used before she even got home and got the opportunity to use it on herself as intended.. I was informed I had to wait for the transaction to be approved prior to filing a dispute which is ridiculous, I told them it was fraud and it should have been stopped!! So I called back this morning and initiated the dispute ; I was then told I need to wait up to 3 days to receive dispute paperwork and proceed by sending in my personal identification info, copy of reciept and card etc.. I did some research and found that this company is NOTORIOUS for this issue and having gift card funds stolen and often dispute paperwork never comes, and that it's typically a run around game till people get frustrated and just give up.. I can see that as I don't feel I was helped at ANY CAPACITY by them and now have to wait up to 90 days??? So my kid gets ripped off for her birthday gift, has to wait up to 3 months for resolution that according to reviews will likely never come!! Why is it that they're are so many reports of this EXACT SAME outcome after purchase with this company and so many unresolved disputes yet no investigation, security measures to protect consumers or any type of even attempted resolution to the situation!! I am so frustrated and angry and their customer service is a joke ; please help me resolve this an undo the theft of my childs birthday gift!!
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NC)

In XX/XX/year> I applied to Discover for Discover IT Secured Credit card. Discover advertise that Discover It Secured credit card is for people that want to build their credit history and improve their XXXX credit score. Discover advertise that its secure IT credit card can help to improve credit score, build better and longer credit history and overall credibility. 
It also indicated that its secured card is for people with poor to fair score and short credit history and that despite presence of those negative factors applicants has high chance of approval. 
At the time of my application my XXXX score was XXXX - Good, The length of credit : Fair, Credit Mixt- Good, Credit payments : very good, Credit Utilization : Fair. 
Despite my good credit report and score and that this was Secured card application the Discover denied my application. Moreover, Discover in response to my application did hard pull inquiry with XXXX XXXX which lowered my score- they did not in their application that they would do hard pull inquiry. i did not authorize such inquiry and I consider it illegal. 
When I asked their representative about their motives of denial I was told it was due to my short length of credit history ( which was reported by XXXX as " fair '' ). I told their representative that they promise potential applicants for secure Discover It card to improve their credit aspect including length of credit and score and that their denial of my application is contrary to what they advertise on line. I have not received any logical justification of their decision. Besides when issuing this type of card the bank Discover would not be assuming any risk as secured credit cards are backed by applicant 's own funds paid as face value of the his/her own card. This is misleading consumers practices by Discover company. No written letter of explanation of the denial was ever sent to me, the denial appear at the end of my application without any reasons.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I've filed four complaints with equifax, in the past 3 months, regarding the same set of issues. I am never able to access the results of my disputes online, despite getting emails telling me the results are ready and available. The error message is usually that they need to verify my identity ... .so I call in to verify and have to talk to someone overseas that I can not understand and that I am not comfortable giving my SSN or other information to. Today, I was finally able to verify my identity on their website only to get another error message after I clicked on the links to get the results. I called in to ask that they just mail me hard copies, since their website NEVER works, and had to speak to someone overseas ... .who would not listen to me and talked while I talked. The verification questions he asked were extremely vague ( " have you had a bank loan, student loan, or car loan and, if so, who was the lender and what was the monthly payment '' ... .i 've had all of those so i'm not sure if this was a trick question or what .... ). I asked to be transferred to someone in the US, which I was, but unclear as to why I have to go through rounds and rounds of questions ( after I provided the dispute confirmation numbers ... ) when all I need is this information mailed to me ( to the mailing address on file ). This company is beyond antiquated and it's HORRIFYING that they control my credit report. No wonder I've had to open so many disputes ( and no wonder the information never gets updated, despite my confirmation from the credit card companies that they've corrected their reporting .... )
Consumer complaint received 2019-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (AR)

I filed a complaint CFPB against this company on XX/XX/19 and the company responded admitting that they had no relationship with me!! Therefore, I should not be held accountable for an unknown, unauthorized, unverifiable or non- validated account that does not belong to me. The amount has Severely damaged my credit from each of the major bureaus. Its only fair to correct this due to the inconsistency on the behalf of this company.
Consumer complaint received 2022-12-23
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. (VA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 2019-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me XXXX/XXXX  Equifax {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX  XXXX XXXX XX/XX/2018
Consumer complaint received 2022-10-03
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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)

When I reviewed my credit report it appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please block/remove these items : XXXX XXXX XXXX XXXX, IL XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date XXXX : XX/XX/XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.
Consumer complaint received 2019-12-10
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. (UT)

XXXX  XXXX  XXXX  #XXXX  is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt