davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. XXXX, XXXX and Transunion hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I received monthly statement with a balance charge of {$180.00} from Amazon synchrony Bank. The charge was from Amazon for prime membership which l didnt authorize to be automatically charged to my account. Synchrony bank stated its not their problem and will not rescind the charge. Transferred me to Amazon. Amazon rep stated they can access my credit card therefore Should check again with Amazon synchrony bank.
Consumer complaint received 2023-08-23
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: CITIBANK, N.A. (FL)

On XX/XX/2023 I have bought a microwave from XXXX from {$510.00} which I never got delivered as I had to cancel the order. 
For many days XXXX refused to issue a refund and I opened a dispute with Citi Bank, the issuer of my credit card. 

XXXX processed a refund on XX/XX/2023 after a lot of insistence and since but since there was a dispute on going, Citi kept the money and never refunded me. They closed the dispute saying that 30 days were passed. 

Now it has been 3 months since the order and I still haven't got my money back : XXXX provided proofs that they sent the money to Citi and they won't process any additional payement. 
Citi didn't answer and I just re-opened the dispute for the third time. I need help to get out of this nightmare.
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (OH)

I spoke with global lending services on Friday XX/XX/2023 and spoke with them in regards to why I fell behind and also gave them a date I would make a payment XX/XX/2023. As of today I have been attempted to be contacted an additional 3 times. On XX/XX/2023, XX/XX/2023 and today XX/XX/2023. Some on my phone number and some on my co-borrowers phone number. I made it very clear in my phone call on Friday that I know the laws, they have to wait to contact me, as well as they had threatened to report to the credit bureaus. The reason I had fallen behind was my father passed away and we had to help with end of life expenses and they were not willing to assist AT ALL! They stated they had options for me but offered NONE!
Consumer complaint received 2022-02-21
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. (FL)

I have a collections account that hit my credit report in XXXX of 2021 from an XXXX XXXX XXXX XXXX account that is not mine. The collections account is from XXXX XXXX XXXX and is hitting my Experian credit report. I have filed several disputes with Experian and it keeps reappearing. I have also called XXXX XXXX XXXX but that has gotten me nowhere.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (WA)

I contacted XXXX XXXX  in XX/XX/2022 to check to see if they could fill my propane tank, as I moved into my house in XX/XX/2022 and it was empty just before XXXX day. They took all of my information and said someone would call me to setup a call but it may not be for a few weeks. I let them know I needed service within 1-2 days and they said someone would call me with emergency service departments. 

In the meantime, I found another company, XXXX XXXX who was able to come out the same evening as my call and filled my propane tank. 

A few months later, I began receiving calls and bills for propane service. I let them know we already had another company come out months before. I spoke to multiple supervisors and asked them to take me off their list. Then, I received this collection notice for a very high amount. My propane tank is XXXX gallons which is about {$700.00} to fill, no where near {$3700.00} despite the fact XXXX XXXX has never stepped foot on my property nor been engaged or contracted to fill. 

I believe they used my information gathered on the XX/XX/2022 call to create a fraudulent account. 

Propane was filled XX/XX/2022 by this vendor, who can be reached to confirm service : XXXX  XXXX XXXX ( Owner ) : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Website : XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX occasions I've sent in a FTC Identity Theft report to the XXXX major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.
Consumer complaint received 2022-02-21
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. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiry : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2019 : Called Chase customer service line and complained that I keep getting a NSF charge on my account and would like it removed. They said that they have no proof that I paid that amount which is {$820.00}. I told them that I have proof of my payment, they then told me that I had written a bad check to them XX/XX/2019 in the amount of {$740.00}, which I did not. I would not normally seek action on something so trivial, but this has been going on every month now since XXXX. I'm sure that I'm not the only one being wrongly charged by Chase. Can you please look into this for me?
Consumer complaint received 2023-01-12
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)

Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX XXXX is not mine and needs to be deleted from my consumer report.

Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

After several requests and sending validation of debt letters, PRA continues to report on my credit. PRA has lied stating that they sent me copies of my contract showing proof that the accounts in question are mine and that I opened them when that is not true. PRA failed to supply EVERYTHING requested in my letters including signed documents/contracts and instead I have only received copies of bills and letters from PRA stating that they will no longer reply to my request. I do not think it's right that PRA can continue to report this disputed debt to all three credit reporting agencies, further causing damage to my character. They submit meaningless statements as if that should be enough while completely violating my rights as a consumer to receive ALL requested documentation per my debt validation letters. They claim to care about the consumer when in actuality, all they care about is screwing over people. I will continue to dispute these accounts until the situation is resolved to my satisfaction.
Consumer complaint received 2022-02-21
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. (MA)

Experian and XXXX are both in violation of the Fair Credit Reporting Act as they have provided no way to dispute hard inquiries. On the contrary XXXX does. 

In addition I have opted out of allowing companies to access my information on soft inquires, however Experian ignored my requests.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-21
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. (WA)

To Whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) A consumer report Does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. A balance being reported on my Transunion consumer report is a transaction which is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). Zero out the balance on the below account with 10 calendar days and mail me an updated consumer report. 

Account XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have attempted on many occasions to update inaccurate personal information that Experian is reporting to date but have no success. I do not receive mail, do business or reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. In fact, My only correct address is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX which is listed on my drivers license that I have sent into Experian via certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is inaccurate, and Experian is reporting inaccurate information. Inaccurate reporting violates the FCRA. 

The only address that should be listed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Proof of this address was enclosed in a certified letter mailed to Experian in order to verify my only address. 

I request that they delete the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently received my Experian credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX and XXXX XXXX XXXX  with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Consumer complaint received 2022-02-21
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX & XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX Account # 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 2022-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/21, I submitted a dispute to CMRE FINANCIAL SERVICES. As of todays date, I have received no response from CMRE, therefore you must delete this from my credit report and remove this debt per the FDCPA and FCRA. This balance needs to be closed as I have disputed the bill and have not been given the required information to confirm this debt. If you do not, I will pursue further action to the fullest extent possible.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has leaked my information out as well as thousands of others just like me. I have a very special need for privacy with my financial information. I am disappointed by this act of complete carelessness with respect to the responsibility of my sensitive information. I am receiving all kinds of notices from my identity monitoring service since the news broke about this breach of data my information is appearing all over the dark web. I am requesting that Capital One contact my attorney right away to discuss a resolution to this matter as I am now represented. Do not call me communicate in writing only. I also have ACTUAL damages.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 items 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 items 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 XXXX XXXX, CA XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/ ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$190.00} ; 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  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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is the second time Capital One has closed my account because as they stated i have past present or pending legal action. I do not have any pending or present legal issues. I do admit i, am a felon and i paid my dues and did my time as well as my supervised release all with no problems. After the first time they did this and i ignored it but i, am rebuilding my life as an honest and upstanding citizen and a XXXX XXXX XXXX. I, am involved in the entertainment business and have worked diligently to improve my credit which i have done and i have other credit cards and none of them have closed me because of my past record. I called them after i found out they closed my account and they just stated i would get a letter which i now have. I feel this is very prejudicial towards me as i know four other felons who have the Capital one credit card and this has not happened to them. 
I, am seeking your assistance to help rectify this injustice. After all do i not have the right to rebuild my life.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$340.00}
Consumer complaint received 2022-02-21
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX