davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Someone fraudulently opened a credit card in my name with Citizens One on XX/XX/XXXX using our rental property address in XXXX XXXX  and charged {$890.00} to the card ( Acct XXXX XXXX XXXX XXXX ). I found out on XX/XX/XXXX by looking through my credit report on XXXX. At that time, this was listed under closed account in my credit report, as the account was already closed in XX/XX/XXXX ( Charge off  ). I disputed this account with XXXX. After an investigation by XXXX, this account was taken out of my credit report on XX/XX/XXXX. In XX/XX/XXXX, I started getting collection notice from Citizens Bank. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke to XXXX XXXX. He was not very helpful at all. 

Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XX/XX/2019 the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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)

On XX/XX/2022, EXPERIAN dropped my score by XXXX POINTS after I paid off my auto loan in good standing on XX/XX/2022. This is not fair nor right and should be illegal, or a case for a class action lawsuit.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have disputed the three collections that report on my credit report ( XXXX, XXXX XXXX XXXX XXXX , & XXXX XXXX XXXX XXXX ) 3 times with Experian & XXXX. These are all ORAL contracts. All three items exceed State of Arizona Statute of Limitations on Debt Collections and therefore per FCRA guidelines must be removed from my credit bureau. XXXX has complied with state guidelines and has removed all 3 items however Experian & XXXX have yet to follow suit. I have kept all 3 dispute records as well as all certified mail receipts. I have included Arizona regulations in case Experian is unaware of them. I called in to file the dispute one time and the customer service agent wouldn't accept my dispute because she said the statute of limitations was 6 years. If you work at the credit bureau they should provide their employees with guidelines by state. 

ARIZONA STATUTE OF LIMITATIONS Written contracts : 6 years, runs from date creditor could have sued account. 

Oral debts, stated or opens accounts : 3 years. 

Actions for fraud or mistake : 3 years from the date of the discovery of the fraud or mistake
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax has not updated my file to report accuracy as i have requested numerous times. 

Equifax shows an account from XXXX XXXX ( XXXX ) as being open. However, this account was paid OFF months ago and XXXX and XXXX have reported the updates, but not Equifax. I have a ZERO balance with XXXX XXXX and the account is closed. Equifax shows last payment date of XXXX of Last year. This has damaged my score and gives the impression i have not paid on this account in over a year. This is incorrect and i requested Equifax update this account to report PAID in full and closed or remove the account from my file. 

XXXX ( XXXX ) Equifax still has this account listed as open as of XXXX of XXXX. Equifax has refused to update this account to show ZERO balance and paid in full and CLOSED. This account has been paid off with XXXX as of XXXX of this year. XXXX sent the update to all three credit agency. Everyone updated my file, with the exception of Equifax. 

XXXX XXXX XXXX XXXXXXXX ) This account was the result of FRAUD. XXXX XXXX  requested the deletion of this account with ALL THREE credit agencies. EQUIFAX is the only agency that reinserted this account in violation of my FCRA rights. I have verified again with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ). She has requested Equifax remove this file completely from my report. Equifax is the only agency that continues to report these erroneous files and then when i dispute, I am told the file is accurate. This account should be removed immediately as it has tarnished my credit reputation with other lenders. This is NOT my account and never has been. It has been requested to remove several times by XXXX XXXX XXXX ( XXXX ). 

XXXX ( XXXX ) This account was also paid off and updated on my credit file with XXXX XXXX XXXXXXXX. However, Equifax continues to list it as a current balance. I have asked that this account be updated to reflect ZERO Balance and Paid in Full. 

I have furthermore disputed the following inquiries with Equifax and each of them were never verified and were the result of fraud attempts.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be FIX immediately :
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/XXXX {XXXX}
Consumer complaint received 2020-09-04
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 noticed incorrect accounts on my credit history and would like them to be reviewed because I did not inquire about any of these accounts. I have great credit and would not like my history to be tarnished by such acts of fraud. Please removed these accounts immediately.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (NV)

The car has been reprocess, I was try to resolve the problem due to the financial hardship with the XXXX XXXX  and work a few day sometimes pay the rent and not enough to pay to car, was contact them since the California has push the payment and people who is struggling to pay till the XXXX XXXX XXXX XXXX XXXX XXXX. The BMW wasnt assist at all, they were repo my car
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

So i started a business account on Paypal as i am working freelance and wanted to get payments on it. The FIRST payment i got, i was told that they will be on HOLD for 21 Days or i have to upload the shippment document to get them released after 7 days, i told them it's virtual services, i don't ship anything and i confirmed that! After my 3rd payment which were on Hold as well they sent me an email that my account was set to limitation and i have to provide informations which i did and also shipement document ( which i contacted the customer service to explain the nature of my business and that i don't sell products to have shippement documents and the agent understood that and told me they will set up this ). After two hours i got that i can no longer use paypal and i can get my money only after 6 months!! I did nothing wrong and why should i wait 6 whole months?? I really regret it using this company!!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2022-10-08
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (MA)

I am disputing a debt with XXXX XXXX XXXX ( XXXX ) regarding an account allegedly purchased from XXXX XXXX in XXXX. My primary concern is that the debt validation provided by XXXX lacks sufficient detail and fails to address key questions about its accuracy. The records they provided do not adequately demonstrate a legitimate transfer of the debt, nor do they clearly show how the amount owed was calculated. This lack of transparency has made it difficult to trust the validity of the claim. 

Additionally, XXXX  initial notification process was flawed. They claim to have sent me a letter in XX/XX/year>, but I never received it. This has created confusion and prevented me from disputing the debt within the initial timeline, which I believe XXXX have adversely impacted my rights and credit standing. As a result, this unresolved debt has been reported to credit agencies, causing significant harm to my credit score and overall financial well-being. 

Another major issue has been the inconsistency in reporting. All three major credit XXXX, Equifax, and XXXX previously deleted this item from my credit report, only to re-add it later. This repeated re-adding has caused considerable damage to my credit score, created additional stress, and made it difficult to trust the accuracy of XXXX  claim. This action by the credit bureaus, presumably based on information provided by XXXX, raises further questions about the validity and handling of this debt. 

I am asking XXXX to provide more thorough documentation, including the accounts history of charges and payments, and to verify the precise legal ownership of the debt. I also request that XXXX cease all reporting to credit bureaus until these issues are fully addressed, as their current documentation is insufficient and has not answered my concerns. I believe a fair resolution would include a clear and transparent accounting of this debt, along with the removal of any inaccurate information impacting my credit.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

I received a promotional offer from Chase Bank to open a business account and receive {$300.00} bonus after meeting certain requirements. I was promised a Debit Card and made sure that the banker knew the business address. 2 weeks after opening the account and the Debit Card has not arrived, I tried calling the bank several times and emailing the Banker who helped me open the account, On XX/XX/2020I went to the branch and spoke with the banker, he told me that the debit card  was sent to the wrong address, and a new card will be sent to the correct address. I made a deposit for {$1000.00} with a check from my personal account with XXXX XXXX. The check was cleared my XXXX XXXX  account on the same day XX/XX/2020. Chase bank put a hold on {$770.00} until XX/XX/2020. on XX/XX/2020 I received an email from Chase bank with a letter indicating that the bank decided to place the deposit on hold until XX/XX/2020. 
I needed the money sooner and I spoke with the Branch Manager Mr. XXXX XXXX regarding this issue. Mr. XXXX was condescending and telling me " BUDDY Go Sit There ''. I decided that Chase Bank is not a bank I would like to have my new business, and asked Mr. XXXX to close the account so I don't have to drive again to the branch, and go inside at age XXXX I don't get close to people unless it's necessary even with a mask on, I am at risk groups being of XXXX decent and XXXX Year old. Mr. XXXX informed that he's not going to close the account until the hold is lifted. When I asked for his supervisor, he kept me waiting for over 20 minutes to give me the phone number of his supervisor, I went to my car and tried to call the numbers Mr. XXXX gave me, they were FAKE numbers. I am so disappointed with Chase Bank.