davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

ON XX/XX/2022 we went to XXXX attended the presentation. XXXX XXXX ( different name on the credit card statement ) try to sell us membership ( said that it was not time share ). The price was too high, we were told we have 2 years to cancel with full refund. later found out that was not true. It's only XXXX days to cancel. This is fraud, and now they don't want to cancel the contract saying that I signed the contract. This is another lie because they emailed the contract on the wrong e-mail address, so I never received the contract. When they send me the signed contract i see that they used my signature ( fraudulently ) to put everywhere in the contract that I never received. 

The name showing on the credit card as a merchant is " Loyalty travel destination '' but the name where to send payment and correspondence is " XXXX XXXX XXXX ''. The business card shows " club sunset '' and the place is called " XXXX XXXX '' who knows how mayny more names there are.
Consumer complaint received 2022-02-22
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)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (GA)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
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: EQUIFAX, INC. (TX)

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 COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
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. (CA)

XXXX charged my credit card for {$75.00} without my permission. They had the card stored in their app. I used another form of payment. But they charged my other card anyway. I disputed it but Citi didn't approve the dispute as they said I could not prove XXXX charged my card twice. However, I never told Citi my card was charged twice. I told them that XXXX charged the card without authorization.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-06-12
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. (GA)

This complaint is referring to the complaint I sent on XX/XX/2021, compliant ID # XXXX, which was a complaint about Experian. Experian responded back to my complaint, stating This complaint lists someone the company does not recognize as their customer or their customers authorized representative, which is inaccurate and false information. I assure you that I, XXXX XXXX, am the only person and Representative on account XXXX. I have attached documents to support my allegation that I, XXXX XXXX, am the only person on that account. This is an attempt to resubmit my complaint. I, XXXX XXXX, is being violated as a consumer by Transunion and Experian. These credit reporting agencies has added account XXXX from XXXX XXXX to my credit report. Fact, According to 15 U.S. Code 1681a ( d ) ( 2 ), a consumer report does NOT include - ( A ) any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is the first violation that was committed. You willingly and knowingly reported accounts that is solely as to transactions and experiences between I, the consumer, and the person making the report. Fact, According to the law, that is suppose to be excluded from the credit report. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ), communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I was never given an opportunity to give my consent before the initial communication. Fact, According to 15 US Code 1681a ( e ), a credit reporting agency may not include any specific factual information on my credit report record that was obtained directly from any creditor or from me, which is exactly what has happened already. They have including specific factual information on my credit report, which is a violation. Fact, According to 15 US Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion and Experian has violated 15 UC Code 1681a by placing a credit card on my credit report, which is suppose to be excluded. 
Below is a screenshot of Experian response yo me last complaint, along with a screenshot of my name that is in the Experian database, the account that is being violated in Experian database, and my ID to prove that I am the person whos name is on the account in Experian database.
Consumer complaint received 2022-02-22
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. (PA)

This is 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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX  and XXXX  related issues.
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MN)

On XX/XX/XXXX hyundai finance cashed our check to payoff our vehicle. Included with the check was the odometer statement which the company claims they never received. They state they need the odometer statement to release our lien. We have faxed this statement 50 times since then. We have called them over 10 times ( which their prompt says is recorded? ) weekly.
Consumer complaint received 2022-02-22
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. (NY)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurious to my score. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report promptly.
Consumer complaint received 2022-02-03
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: Alliance Collection Agencies, Inc. (WI)

I discovered a medical debt in the amount of {$23000.00} reported by Alliance Collection Agency, located XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX being reported on XXXX credit reports. I disputed the debt as I had no knowledge of the account on XX/XX/XXXX. Additionally, I placed a phone call to Alliance and requested they validate the debt and provide me with original copies of the bills and providers. I did not ever receive any documentation from Alliance, and my future phone calls to them regarding this issue were sent to a voicemail box. I did not receive any calls back. 
In XXXX of XXXX, I placed a call again, and was able to speak with a supervisor. I inquired about the debt and requested again, proof of the debt and originals. I received a copy of a bill from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The bill is not in my name, nor my address. The treatment records are for this person 's child, who is not my child. I immediately called Alliance again, to inquire about the errors and to ask for removal. They stated they had identified the problem and that someone would reach out to XXXX XXXX to for removal. They stated to call back in a few days to check the status. I did call back and was told that they had to confer with XXXX XXXX, I spoke with XXXX with XXXX XXXX billing who interrogated me regarding the debt even though the debt is in someone else 's name, ss #, a different city etc. This large collection account is causing me severe credit damage, furthermore the collection agency contends the debt belongs to me, even while none of my identifying information is within it. 

Alliance Collection Agency is also reporting two accounts on my credit files which were discharged in a Chapter XXXX bankruptcy in XXXX. They will not remove the accounts despite having proof of the bankruptcy and discharges.
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. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-02-22
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. (NY)

I am a victim of Identity theft. I have enclosed and Identity theft report an a letter citing all the fraudulent accounts on my credit report. Under XXXX XXXX XXXX, I demand you to Blocked and Removed these items on my consumer report. You must notified the furnisher of this information that I have filed an Identity theft report.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland XXXX {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, Visa, XXXX XXXX and XXXX XXXXXXXX credit cards services ( over {$6000.00} ). I should have a credit score.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, Visa, XXXX XXXX and XXXX XXXXXXXX credit cards services ( over {$6000.00} ). I should have a credit score.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MO)

I had paid off TJ MAXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. Tj MAXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with XXXX XXXX and XXXX both paid off and still have the derogatory reports listed
Consumer complaint received 2021-12-20
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: WELLS FARGO & COMPANY (NJ)

*Below description. Also see attached supporting docs, please* I went to XXXX XXXX XXXX in XXXX XXXX NJ on XX/XX/21 around the times of XXXX with my girlfriend. I might have had my credit card on the bar next to the running tab when I was ready to pay. When I went to close out my tab, the bartenders told me that the man across the bar took care of our tab so I didn't use my credit card. I only gave the bartenders a {$20.00} cash as tip. When I looked at my statement the next month, it had {$300.00} charge from the XXXX XXXX for that same day. 

I opened up a claim with my bank, Wells Fargo. After an investigation, Wells Fargo said the charge was authorized because the EMV Chip was used. I said that the charge wasn't authorized by me and reopened the case, giving them more info- I had my card out on the bar when i was ready to pay, which I hadn't told them before. After a second investigation, Wells Fargo came to the same conclusion. I opened the case again because I definitely didn't authorize this purchase and am still trying to get this money back. 

I had contacted the XXXX XXXX in the meantime to get any evidence that I could. They said they no longer had anything like a picture of the signature or any other evidence because it happened over a month ago and they didn't keep records for that long. Police report was also filed with all this info and sent to Wells Fargo.
Consumer complaint received 2022-02-22
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. (FL)

This letter is in response to your recent response to my latest disputes, I am totally pissed that after multiple dispute letters this items still can be found in my credit record. I have told you that this is in direct violation of FCRA 1681.
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I got a letter from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 with No return address and No fax number alleging I owed over {$15.00}, XXXX on a repossessed vehicle. The letter stated I had 30 days to dispute the validity of the information. 

On XX/XX/2021. I sent a letter by email and also by USPS, disputing the validity of the information and asking that proof of the debt be mailed to me within 30 days of my letter. I also informed them that according to the FDCPA, they - XXXX XXXX XXXX XXXX XXXX, can not continue any collection practices until this debt has been verified. 

On XX/XX/2021 I got a phone call from this number, XXXX. Turns out it was XXXX XXXX XXXX XXXX XXXX calling. The man on the line asked me how I wanted to pay on the {$15000.00} for the repossessed car. 

I told him I did not have any money and hung up the phone.
Consumer complaint received 2021-12-20
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.
Consumer complaint received 2022-02-22
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. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 28 USC 1746 Unsworn declarations under penalty of perjury