davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (NY)

Equifax is sending me offers indicating that if I pay a monthly service fee my credit score will go up.Equifax is suggesting that I should attain mortgage information on my report to increase my score yet, Equifax in turn declines me from being approved on a mortgage then turns around and sends me an email suggesting I pay a monthly fee to raise my credit score. Isn't that bait and switch? Using my personal data, because of my Equifax report can not get a mortgage then sell me product to raise my score. 

The practice of Equifax is manipulating the consumers score to their benefit, hindering the consumer from progressing forward. The consumer will no longer move ahead to to acquiring loans, credit etc. due to the manipulation of credit reporting agencies such as Equifax. 

Equifax offers no reasonable answer or direction as to how many points were gained or lost and or why. It is to their discretion.
Consumer complaint received 2020-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One reported me for a late payment of {$7.00}. I somehow miscalculated my monthly payment. I had sent {$260.00}. Apparently it should have been {$260.00}. I read somewhere a while back that as long as 95 % (? ) of a monthly minimum due is paid, the company can not report as late. I can not find the law for this to send to them. Can you please help me straighten this out? Thanks. 

PS last four digits of my SS # is XXXX. It wasn't letting me enter on the personal information page
Consumer complaint received 2020-06-22
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: Self Financial Inc. (MA)

I review my report and I saw inaccurate 30 days late remarks on history only 1 bureau reporting this. I was never late on this account. 
SELFINC/XXXX  XX/XX/2019 2019
Consumer complaint received 2020-06-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Coradius International LLC (NJ)

This is a the same Company complaints as I reported XXXX ( last XX/XX/XXXX ) and they just passed it to another Collection Agency. They mailed it to me on XX/XX/XXXX, the time where we suffered also a tremendous impact done by COVID-19,  we are suffering also of financial hardship. Attached is a copy of their notice, dated XX/XX/XXXX with the amount of {$8500.00} by a XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX, toll free XXXX. 

The vehicle that they are pertaining to was actually repossessed by taking away in my parking lot without any notification thus was reported to the Police of a suspicion of Thief Loss. Later, the company was verified that the vehicle was under their authority and sold to another person as the new owner. Accordingly as per se,  we signed an agreement that we have to finish in paying our monthly dues but the dealer financier had never told or explained everything to us but just a signature. Hopefully, our complaints must be heard in your office, thank you very much.
Consumer complaint received 2021-01-07
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: CARMEL FINANCIAL CORPORATION, INC. (FL)

Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

For some reason I can not get anyone at experian to help me. When I login to experian to unfreeze my account it has me in a loop. My account is broken. I call up and there isnt an option to help me fix it with the automated system. It is telling me to reset the password. I have my password it is logging in but it logs me right out. Not being able to fix this and not being able to talk to someone who is in control of my data is just wrong. How can you allow a company this much power and not able to get someone on the phone? I need to buy a home and I am not able to unfreeze my account. I will lose out on this house because now I have to rely on US mail to get their attention with no date insight. This is just not right. Here is my login. video attached.. I have freezed my account years ago. I have my unfreeze pin. why can't I login? No one to call I am in limbo... Experian needs to be punished for this ... Help me please...
Consumer complaint received 2020-06-22
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: TD BANK US HOLDING COMPANY (FL)

On Saturday, XX/XX/XXXX, I applied for XXXX XXXX, a program where one is given an installment loan on a XXXX cell phone. When applying you are submitting an application with TD Bank. I submitted my application and knowing my credit score was over 700 I thought I had no problem getting approved. I was then informed to call an XXXX before my application would be approved. I did so and the agent told me that my application was being escalated to another department for approval. I then received a call from TD Bank asking to call back, which I did and I was told they would have to run my credit a second time in order to make a determination. I informed them this would hurt my credit since it would be another " hard pull '' on my credit report, and I did not understand why they needed to do this. I was informed that they had to and they knew it would hurt my credit score but it was  required. I have worked very hard to increase my credit score and knew this would negatively affect my score. After again stating I did not understand, they would not agree to proceed. This I think is illegal to pull your credit twice in a row when this negatively affects people 's credit, and for no reason. I also do not understand why XXXX uses TD Bank, when I thought I was applying with them. Another person would agree not knowing and be negatively affected. Either approve the application or deny, but to state they needed to pull the report a second time when it would hurt my FICO score is not acceptable.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

**Hello, My name is XXXX XXXX XXXX I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX  XXXX XXXX XXXX  XXXX Reported XXXX XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX XXXX : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX XXXX : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (MO)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXXXXXX  I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I was scammed by a group claiming to be XXXX ( electric company ), stating that my payment was late and my electric will be shut off within the hour. If I used the XXXX service, it would be expedient and prevent the disconnection in time. I fell for it. They knew my name, they knew I was a few days late with payment, and they knew the amount of my payment. Having this information made it appear legitimate to me. I set up the XXXX as they instructed, and sent payment. I quickly realized that it was not legitimate once they started to ask further information about my banking institution. Given the instantaneous nature of XXXX, I was not able to reverse the transaction that was put into motion mere seconds earlier. I hung up and called my bank within minutes, and was told that there was nothing they could do to reverse the transaction. They then told me that I could not be reimbursed and I had no recourse, since it was considered an authorization on my part. My financial institution did not even try to say that they will look into it- they immediately told me I was at a loss.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

**Hello, My name is XXXX XXXX . I repeating my complaint for some inaccurate items that still exist in my credit report. Please investigate these accounts as they are incorrect and not belong to me. 
**Credit cards** _XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, please provide me full documentation or delete it!!! 
_XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, I never receipt any loans or credit from this company. Delete it!! 
_ XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full documentation or delete it!! 
_ XXXX XXXX Reported : XXXX. XXXX, XXXX This account reported that I was late on XX/XX/XXXX, XX/XX/XXXX. However, I never late on this account. Please provide me proofs of payment or remove it. 
_ XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX This account is not mine. Delete it immediately!!! 
_XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Provide me documentation or delete.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The following collections account and debt listed on my Trans Union, XXXX and XXXX  credit report is a fraudulent account and debt : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$1200.00}, I been receiving phone calls of harassment, profane and abusive language from XXXX XXXX XXXX XXXX which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law. The following credit inquiries listed on my Trans Union, XXXX   and XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I went to my local TD Bank branch ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XX/XX/2020 to deposit {$1000.00} dollars into my checking account. When I input the money into the ATM, the machine showed an error message and printed me a receipt stating that I had an issue with the {$1000.00} dollar deposit and the ATM swallowed the {$1000.00} dollards I deposited. The receipt said to reach out to TD Bank via call. I reached out and provided them the details and the Record number of the dispute. Upon them reviewing the incident, they compiled a review and determined an error did not occur. This money was to pay overdue bills and now I am struggling to find how I can get my money back into my account.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My name is, XXXX XXXX XXXX. I have had a koals credit card with their company for a few years back in XX/XX/XXXX- approx XX/XX/XXXX, into XX/XX/XXXX when a friend of mine had added clothes to my basket with out my knowledge as we were leaving ... I assumed she had checked out and was throwing he things in with mine .... well she had not paid the sheriff at the door summond both of us and went went to XXXX. I used my credit card for all of my purchases however they were taking and should have. My issue is I was band from koals and could not come into customer service to find out what I owed or if anything, I receive a phone call after over 300 dollars of late fees and was told I would be in collections I have no idea why I was grabbed thrown Im XXXX with out the options to come to the store and pay my card as I had always done at customer services and now my CREDIT report has several delinquent payments ordering that will stop me from recieving my XXXX XXXX medications because I can not get and credit help to earn back.. I feel like this was a very mean unprofessional and I will send them to the XXXX XXXX XXXX. Thank you for any help XXXX XXXX.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX XXXX U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXX and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX. 
This company allegedly claims I owe a debt. I have no agreements with Resurgent. Resurgent claims I owe {$200.00}. Resurgent has been sending me text messages and calling since XXXX 2022. I sent a Cease and Desist letter which was ignored.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (AR)

On XX/XX/2020 I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at Experian XXXX XXXX and XXXX  to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX XXXX  credit reports with the intention of bringing a class action lawsuit against these agencies.