davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : : # 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-11-13
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. (GA)

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by 3 credit bureaus that this is now on my report. As of XX/XX/22.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On the dates of XX/XX/2022 and XX/XX/2022, I reached out to TransUnion to dispute improperly reported hard inquiries on my credit report. I was told that the agents could not help me with this each time and that I would have to let the inquiries drop off naturally.
Consumer complaint received 2021-11-29
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: AMERICAN EXPRESS COMPANY (MO)

I received about XXXX marketing offers from American Express throughout 2021, explaining that I was pre-approved for an account with them. 
I applied for an American Express account on XX/XX/2021. I received notification that I was approved for an account, and that a new card was coming to me. I received a notification of account cancelation on XX/XX/2021. On XX/XX/2021, I received the card in the mail and attempted to activate the card. I was unable to activate the card, as I had expected due to the notification I received in my email on XX/XX/XXXX. I spoke to XXXX different representatives, who all told me that they would be unable to remove the credit inquiry from my report as I had requested. My issue is that I was misled by American Express into believing that I could open an account with them again, because they sent me many pre-approved marketing offers. If they had banned or blacklisted my account for a period of time, or permanently, then I should have received information explaining that if I apply for an account again, I will not be approved and my account will automatically be closed. I would like American Express to remove this credit inquiry from my report as they purposely misled me into applying for an account when they had no intention of honoring the offer.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau . They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXX XXXX  to be sold and the funds to be transferred to my personal XXXX  account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc. 
18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Consumer complaint received 2021-05-19
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. (MO)

This Consumer Credit Reporting Agency received a letters from me demanding them to remove a bankruptcy and other accounts related to that bankruptcy from consumer credit report. In the letters I advised them that they are violating 15 usc 1681 by not respecting my right to privacy and also violating 15 usc 1681b by reporting those item with out having the written instructions of the consumer to whom it relates. They did a " investigation '' and updated the files on my consumer credit report. In the conclusion of that " investigation '' I did not receive any paperwork from the credit reporting agency to prove that they did a accurate investigation ( 15 usc 1681g ( a ) ( 1 ) ).
Consumer complaint received 2020-05-18
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. (MO)

The following accounts are not mines, and do not belong to me in any way, not even sure how someone else account crossed with mines, Im demanding that these accounts be removed immediately.

1 ) XXXX XXXX XXXX 2 ) XXXX Card Services
Consumer complaint received 2024-01-21
Product: Credit reporting 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. (NJ)

XXXX XXXX Date open : XXXX  There is a loan made in my account that appears on my experian credit file. I already contacted them they told me to report to Consumer Financial Protection. This cause my credit score to drop extremely. 

XXXX Date open : XX/XX/2033 This inquiry has also cause my credit score to drop. It was not made by me.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reported these inquiries as unauthorized and fraudulent and ask the bureaus to remove them they will not respond! Only inquiries I authorized are active good standing accounts on my credit report any inquiries not associated with a active account was not authorized by me
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX reported to credit bureaus that I was 90 days XXXX, however, they also reported XX/XX/2023 and XX/XX/2023 in good standing. This has affected my credit score significantly, I have 5 accounts totaling XXXX
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I wrote a check, # XXXX, for {$160.00} to my XXXX, XXXX in the XXXX. The amount was deducted from my account. Months later the XXXX said that they never received the check and are demanding additional money from me. I try to get the front and back of the check from Wells Fargo, but unlike all other checks the front and back is not posted online. I call Wells Fargo to send me the front and back of the check. They say they will, but over a week later they say the issue is closed and they have nothing to send me. I say that I will file a complaint and if they can't provide the proof that the XXXX deposited the check, then I have to assume that somebody at Wells Fargo deposited the check.
Consumer complaint received 2021-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Nelnet intial loan balance changed from time of loan after paying on time for XXXX years the loan amount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and XXXX XXXX XXXX and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX. I need a mediation of the original loan documentation that Nelnet state that they can not provide. I have only taken a=out a student loan in the amount XXXX but owe more than XXXX based on what I am paying and on record.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Since XXXX I have submitted disputes via mail with a notarized letter verifying my identity with bank statements, pictures of my identification etc.. I get the same results every month that they can not verify my identity which is causing my to personally suffer with my family to get. They refuse to investigate my disputes which now I am considering pursuing legal actions.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/2022, AMERICAN EXPRESS XXXX, received an Affidavit of Truth from XXXX XXXX and accepted this letter via certified mail. In XXXX, after over 30 days of no response, a cease and desist was sent to American Express and was delivered. There was still no response to the documents being demanded. In XXXX, another affidavit was sent to the company after noticing that several payments do not seem to be showing as applied to the account. After reviewing the online account to see if it was applied on the statements it was noted that the statements were not accessible on the website. They also are not being mailed, so there is no proof of what is owed and what has been applied or that this supposed debt is valid per the Fair Debt Collections act. The reporting of this account was also disputed and was not honored per the FCRA. No proof has been submitted in either instance. As a consumer, I have been forced into continuing to make payments without validation due to the concern that there will be negative reporting on my credit report even though I have no proof this debt is valid and the validity of what is owed.
Consumer complaint received 2021-07-02
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: Nelnet, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XX/XX/22 .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NM)

I opened a XXXX Synchrony Credit Card account in XX/XX/XXXX. Since opening the account I have paid every payment on time each month and have completely paid off my balance once and was planning to do it again in a few months. After paying more than the minimum payment on my account and paying off the balance of another Synchrony account, they closed my XXXX account for no apparent reason. Customer Service explained that my account was closed due to poor credit but my credit has actually improved since opening my account, so this explanation doesn't make any sense. Upon further review, I've seen hundreds of complaints from people who have had their accounts closed in the same manner over the past few days. It appears Synchrony bank is closing accounts during this pandemic to protect themselves and hurting consumers in the process. My account was closed on XX/XX/XXXX with a balance of {$1000.00} and a credit limit of {$1500.00}.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I received dispute results on XX/XX/year> from XXXX stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX XXXX ( XXXX ). For all 3 CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my XXXX report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXXXXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.
Consumer complaint received 2023-05-15
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. (KS)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-15
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

In XXXX of 2023, opt-out notices were sent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent credit report shows reporting from all of the above listed companies, which is a violation of my rights as a consumer and evidence that the companies have willfully not complied with my requests. Per 16 CFR 313.7 ( e ), I am aware the companies must comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. There has been ample time to correct this issue. Attached you will find copies of the opt-out notices sent, as well as copies of each company 's disclosure document.
Consumer complaint received 2018-03-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OR)

On XX/XX/XXXX I initiated a transfer online to send {$500.00} to my girlfriend in XXXX. I used the option to pull the money directly from my bank account rather than using my debit card because the fee was slightly cheaper. Total cost of {$510.00} was removed from my account. Using the tracking number we could see it was available for pickup. But when my girlfriend went to pick it up on XX/XX/XXXX she was denied and there was a hold on the transfer. 

I called Western Union and they told me they couldn't make the transfer. Then they said they could and gave me a new tracking number. But it also was denied when she went to pick it up. I called again and they said they would refund the money to me but that I had to pick it up myself. They gave me a another new tracking number. I told them I can't go to a western Union as I'm in XXXX XXXX, XXXX, XXXX. One rep said I could pick it up whenever I get to a location and one said it's available for 45 days. I am not and will not be near a western Union for who knows how long. Picking up the money is just not possible. 

I asked why they can't put the money back in my account the same way they took it out and they said it was because it was a cash transaction. I told them no I did it online. They still said I had to pick it up in person. I told them again where I am and that I can't go pick it up. I asked if my mom could pick it up but they said they can't change the transaction at all. 

On XX/XX/XXXX one customer service representative told me she could put in a request to transfer it into my bank but that it probably would not work. It didn't.
Consumer complaint received 2017-01-09
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

Without any explanation other than saying " fraud '', my American Express Serve prepaid card account was closed. I had a positive balance of over {$1000.00} dollars which they have taken away from me. They will no longer discuss my account with me, allow me login access, nor provide any statements. They have provided no evidence of fraud nor a legitimate reason for closing the account.
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC is reporting a charged off acount on my XXXX and XXXX credit reports. This account was involved in litigation in which I prevailed and the case was dismissed with prejudice and the account was to be removed entirely from my credit report. The account remains on these XXXX reports showing XXXX balance but reporting negatively and inconsistently between the XXXX reports.