davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax and XXXX are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

XXXX has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} Equifax does not have this account even listed on my report. This should be removed immediately. VIOLATION XXXX has XXXXXXXX XXXX listed on my report. Equifax does not. This should be removed- VIOLATION. 

XXXX has inquiries listed : XXXX XXXX XXXX XXXX listed 3 times- Equifax does not have any of these listed on my report- VIOLATIONS ( 4 violations ) Equifax has XXXX XXXX XXXXsted under inquiries- XXXX does not have this listed on the report- VIOLATION. 
XXXX also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, XXXX has XXXX XXXX listed under Auto-loans. EQUIFAX DOES NOT have this listed on any report belonging to me and neither does XXXX. This is a VIOLATION. and should be removed completely. 

So many violations with XXXX, EQUIFAX AND XXXX.
Consumer complaint received 2022-09-27
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

I called Experian yesterday XXXX and cancelled my membership. That evening they tried charging my bank account and all the money wasn't there and my bank charged me {$1.00} for that transaction. This morning I called them and had to cancel again and got a confirmation number. The number is XXXX. I then asked to speak to a supervisor and she was totally uncaring so I hung up. An hour later I checked my bank account online and learned they had charged my account {$24.00}, after talking with a supervisor and cancelling. I have been trying to call that same number all afternoon and can not get a human on the phone. I have sent at least 5 emails and can not get a response. It said it could take up to 2 days to get a response. I still have not heard from them and the money has not been refunded.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (WA)

Robinhood banking co. Restricted my account from withdrawing funds. They asked for proof of verification with a debit card I longer am in the possesion of and have not and has not been active or affiliated with my banking account for 2 to 4 years. The card is deactivated and has been for the same time. I have emailed and called customer services on the XXXX or XXXX of XX/XX/2024 where I was told I could only unrestrict my account if I verified with the old debit card. I recieved a case file in late XX/XX/2024 and filled out the requested forms with proper documents involving bank statements for verification but recieved no response and the case was closed. A new case for my robinhood account was made which repeated the same requests for verification and I submitted proper documents for the second time. I recieved no response and am currently still waiting. Robinhood customer service was vague and near incomprehensible with there demands and ended my call before elaborating any actions. I am still unable to access my funds and have no clear direction in where to go for verifing myself.
Consumer complaint received 2023-06-02
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-01
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: U.S. BANCORP (CA)

i have file this dispute XXXX  times and they are keep saying the Elan Financial services verfied that information is correct This item remained unchanged from our processing of your dispute in XX/XX/year>. 
I have letter that show they removed all my charges becouse my card was stolen.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXXs incorrectly reporting a collection amount of {$3700.00} on my credit report. I have previously reported this information on numerous occasions and it has yet to be resolved. This company has repeatedly taken advantage of me in the past. 


The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.
Consumer complaint received 2019-06-27
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: JPMORGAN CHASE & CO. (IL)

XX/XX/2019 someone used a replacement card Chase had sent to me that I never received to charge {$3000.00} at XXXX XXXX XXXX XXXX # XXXX. Chase had flagged this as potential fraud via an e-mail and text message. I responded to both that yes, this was fraud. I immediately called the number Chase provided via text XXXX. 

My card was then locked and a replacement was air mailed to me, expecting it to arrive XX/XX/2019. The representative had asked me if I still had my card, in which I responded with yes. She looked at my account again and realized they had sent me a new card ( mine was set to expire in XX/XX/XXXX ) that should have arrived last week. I had never received it. 

Somehow someone had intercepted my card in XXXX and used it. Since she informed me the purchase at XXXX 's was with a chip. Clearly there are very lax rules around activation if they were able to use my card while I had the original and had used it the day before.
Consumer complaint received 2017-07-13
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. (CA)

I have a few concerns that are bothering me.     First and foremost there is a collection account on my credit report that is not accurate and should be deleted please. Based on FDCPA violations conducted by  XXXX   XXXX   XXXX  this account was prompted to be removed after a payment was made an date company violated my rights by harassing me, using foul language and attempting to illegally collect the amount again even though the sum was closed with   XXXX   XXXX   in a timely matter. Asked them to remove the collection, as it violated my rights and was not a collection item to beignet with and the refused me and continued to harass me. They are aware and have removed their account off from my  XXXX  and   XXXX   profiles but for some reason Transunion has not updating their reporting and removed this account completely as it has violated FDCPA law and can not be reported against me any longer.  XXXX  is aware of this and have apologized to me. please remove the collection, it is false.  <P/> ALSO, I would like the remarks under my   XXXX   and   XXXX   XXXX   accounts removed because i am no longer disputing them and they have incorrect remarks next to the account information. They are not being disputed and have not been investigated properly by any FCRA guidelines and therefore i would like the remarks removed. The companies have sent alerts to Transunion to remove the remarks and they have not abided yet.
Consumer complaint received 2020-11-06
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: LEXISNEXIS (OH)

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

The collection company LVNV Funding, LLC on behalf of XXXX XXXX XXXX. is trying to collect a debt that I do not owe. The amount they claim is {$16000.00} from XXXX 2017. I send letters to LVNV Funding,  LLC asking them to verify this debt and they could n't verify it. They still report this collection account as mine to credit bureaus.
Consumer complaint received 2017-07-13
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. (NY)

Transunion credit bureau would not help and take care of these negative inquiries reporting to my credit report. These are the negative inquiries. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (FL)

Hello : A company by the name o f CIC Credit  pulled my credit reports from all  XXXX  agencies (   XXXX  ,  XXXX  and  XXXX   )  on   XX/XX/XXXX     without my authorization - I do n't even know who the company is. I have called the company several times to find out who they are and why they pulled my credit without authorization, however I just keep getting forwarded to someone in the company that the call just goes to voicemail. I have left several messages requesting a call back with no response. This is very frustrating, as these hard inquiries hurt my  credit score  and it is extremely unfair that a company will/can do this knowing that these inquiries lower my score and without my authorization.  <P/> I am a subscriber to   XXXX   XXXX   XXXX   and they send alerts immediately when there is a change to your score - that is how I found out about the inquiry and also company information. Please see below for the company information and advise how we proceed now. My goal is to resolve this by the hard inquiries being removed from my report - Thanks in advance for your help!  <P/> Company Info :  CIC Credit   XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX   XXXX
Consumer complaint received 2022-05-28
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint 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. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I have filed dispute with this company various times and all they have done was move late payment around I had one late payment there was an agreement to push the payment to the back of the loan due a hardship and they reported my account late. The lates are inconsistent on my credit reports. Each time I contacted them they said its nothing they could do. This lender is so bad Chrysler Capital/Santander they had a lawsuit against them having predatory lending to people who could barely afford the cars that were financed.
Consumer complaint received 2022-05-28
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. (NC)

In accordance with the fair credit reporting act 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.
Consumer complaint received 2022-05-28
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. (IL)

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Thank you!
Consumer complaint received 2023-02-14
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: Bread Financial Holdings, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-05-28
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: Resurgent Capital Services L.P. (PA)

On XX/XX/2022 I pulled my consumer report and noticed that RESURGENT/LVNV FUNDING is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for RESURGENT/LVNV FUNDING to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for RESURGENT/LVNV FUNDING to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc (NE)

For XXXX and XX/XX/2024, XXXX has reported me to XXXX credit report as late. I was never late. They had inaccurate information and I had no access to update it myself. I finally got someone on the phone to get me into the portal and paid everything owed to eliminate any more derogatory marks on my credit report. I had a case XXXX never processed very rude gentlemen heavy accent asked for a manager he hung up on me. 

Called back again case XXXX told would look into this again just like the first man. I do believe this one might look into it and have it processed, but I have been going back and forth with XXXX XXXXor 1. access to pay my {$XXXX} fee 2. remove late payment marks from my credit report I was never late it was not my fault.
Consumer complaint received 2022-11-28
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. (IL)

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

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : 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 the information is inaccurate.