davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

During the check-out process on XXXX XXXX, I was encouraged to sign up for a credit card to receive rewards on my purchase. I completed the application and was awarded the credit card, however was not given access to use the card until my physical card was to arrive XXXX days later. To promote benefits of getting the card ( 10 % back in rewards for purchases made within the first 30 days ) during the check out process then tell a consumer they have to wait XXXX days to be able to use the card is misleading and fraudulent representation. If I use another card to complete my purchase in that check out window, I am do not receive the rewards associated with the card. Capital One is the provider of the credit card. In spite of completing the account set up and verifying all my personal information, there is no way for me to access the card number until the card arrives in the mail. The Capital One service representative confirmed that had I complete the credit card application at a XXXX XXXX retail location, I would have been able to access my account, but can not do so online. This is a misleading representation on the website and should be held to communication standards to enable consumers to avoid pulling credit reports unnecessarily.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MA)

Someone tried to apply for a XXXX  ( XXXX XXXX XXXX XXXX under my name. My husbands ( XXXX ) identity was also stolen this week. We believe they retrieved our social security numbers through XXXX XXXX
Consumer complaint received 2022-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

As of XX/XX/2022, I contacted my online bank account, Capital One, regarding my ability to access my savings was seized. The bank representative informed me to contact a XXXX XXXX XXXX at XXXX, to discuss a debt regarding a XXXX XXXX in XXXX, Kansas. I informed the bank representative that I felt this was a fraudulent claim from XXXX XXXX XXXX, since I have never received documentation or phone call concerning this debt and its not on my credit report. 
Capital One should have informed me that my account was being held hostage by a scam/fraudulent claim by XXXX XXXX XXXX XXXX 
I will not call anyone that I feel is about to scam me out of money. Capital One should have contacted me about this, aware of previous scam incidents I have had on my checking account.
Consumer complaint received 2022-09-17
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. (AZ)

Equifax dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And XXXX No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, XXXX, and TransUnion refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, XXXX, and TransUnion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.
Consumer complaint received 2022-07-08
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. (IL)

My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX showing up on credit report stating I owe them XXXX. This insurance was cancelled by XXXX XXXX on XX/XX/2021. 

I called XXXX XXXX in an effort to explain why I owed this amount of money when the insurance was cancelled by them. I was told that I am still responsible for the debt even though the insurance was cancelled.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC (OK)

I get daily calls from Cavalry Portfolio about debt that is not my debt. They have given the name of the person that owes the debt. I have told them several times that I am not the person they are looking for, and have asked them not to call me. They still call and even leave voice mails.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

This complaint submission is in regards to a false credit report by Chex Systems Inc XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly beginning on XX/XX/2022. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. There has been several letters sent to Chex Systems Inc via certified mail which I requested the company to provide proof bearing my signature, showing that I have a legal obligation to this allege debt. As of today 's date, they continue to not comply and are illegally reporting inaccurate information. 

On XX/XX/2022 another letter was sent in regards to the report listed on file with Chex Systems Inc. A response letter was mailed back to me, still none of which legally verified the allege debt. They continue to send the same response as they have proven that this debt is not valid, due to the company failing to provide efficient legal judgement. After 30 days of notifying them, still no response from the company once again. Chex Systems Inc has not provided any significant evidence indicating proof that this debt is mine. ( Company 's Response also attached with this complaint ). At this point in time, Chex Systems Inc has failed to provide any proof of debt and/or anything in signature or judgment by law, stating I was obligated to pay the debt or legal owner of it. I have never made any agreement with them or with the original bank/creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, I am firmly requesting Chex Systems Inc immediately remove me from their systems and confirmation of this action is provided. 

Chex Systems Inc has failed to honor the law nor provide any competent evidence or any legal obligation. Chex Systems Inc is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions. I will be seeking a minimum of {$5000.00} in damages for each of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Please be advised that I have requested validation of an item reported to you by XXXX XXXX I have received a response that it is in violation of my rights according to XXXX. 

XXXX XXXX did not provide me a XXXX signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my XXXX rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. Which is XXXX days from this notice I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2022-07-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 accounts 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 accounts from my credit report : XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (IL)

NATIONWIDE RECOVERY SYSTEMS on behalf of original creditor XXXX XXXX XXXX opened a debt collection account on XX/XX/2022 for the amount of {$780.00}. I disputed this in XX/XX/2022 through XXXX and the results were " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' However the company has already been paid through Florida medicaid as I have always had medicaid. Since they have already been paid by insurance this should not be on my credit report.
Consumer complaint received 2022-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) originated our loan on XXXX XX/XX/2022. They then sold the loan to Specialized Loan Servicing ( SLS ) on XXXX XX/XX/2022. In the notification letter XXXX XXXX provided, they gave me an old and new account number. 

I have not received any information or communication from SLS and have been unable to contact them. The loan number is incorrect, they have a complete communication firewall unless I have my account information, SSN, or phone number. All 3 options do not register with their system. The first mortgage payment was due 1 XX/XX/2022, and it is currently XXXX XX/XX/2022. XXXX XXXX XXXX  has communicated they they can not contact the new servicer or receive any account information on my behalf, meanwhile, I have no way to contact the new servicer ( seems to be by malicious design ) in order to make my mortgage payment. I have no issues with paying the mortgage, I simply have no method to do so. I'm concerned this new company intends to force the mortgage to be late past the grace period simply to make money on a late fee and am extremely frustrated.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

XXXX XXXX XXXX acct # : XXXX XXXX  XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (FL)

RIA money transfer which is a company that I used to send money internationally, is ILLEGALLY holding my money for no reason ; they asked me information in order to send X amount of money as usual, after a couple of hours I received a call from them asking me for more information in order to finish the transaction. I didnt have the information and I cant get that information. So I asked for my money back so I can resubmit the transfer with a different recipient. 
They said they need that information to finish the transaction or to return the money to me the sender. I understand they need more information Im guessing for security purpose but they should asked everything they need before the customer submit the transaction. We sometimes like in this case CANT get that information. And from my point of view they arbitrarily are keeping forever my money because I cant provide information that they missed asked in the first place. I dont have the money my recipient doesnt have the money and they ( RIA money transfer ) are stilling my money. I need help not for the amount of the transfer is to keep everyones money safe ; no matter the amount.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX oXXXX XXXX XXXXn accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. 

XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by XXXX in XXXX
Consumer complaint received 2022-11-05
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. (TX)

My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved as soon as possible.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (PA)

I applied for a free XXXX card that isnt even a credit card it links to your debit card i was denied this card for no resin and have a hard inquiry on my report which is ruining my credit i want it REMOVED ASAP! and want my credit adjusted and the point are added to my score
Consumer complaint received 2022-07-08
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. (CA)

Transunion is in violation for reporting inaccurate information on my credit report and not following the law specifically 15USC 1681b ( a ) ( 2 ) In regards to these hard inquiries by XXXX XXXX XXXX XXXX. 
XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (IN)

On XX/XX/2022 I received a text message stating XXXX XXXX XXXX had sent me a payment of XXXX through Zelle, XXXX XXXX owed me this debt and he said he wired it to me but did not say how. I order for me to access these funds ; I had to provide my birthdate, address, phone number, email, and checking account number. 

After I gave all of this information Zelle had no record of the payment and implied they couldnt do anything about it. The sender claims he made the payment, which he would have had to since Zelle had my phone number to text. 

The biggest issue is Zelles parent company is a credit reporting agency. I believe they are fishing for private information from consumers.
Consumer complaint received 2022-07-08
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. (TX)

XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.
Consumer complaint received 2022-07-08
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. (TX)

XXXX financed alarm equipment for my business. 

They were deducting payments from our debit account as agreed. I dispute the late payments on my credit report. 

They report the account as closed when it is actually open and we are still making payments. The account is open. I am attaching the most recent statement. 

I reached out to XXXX and they were very difficult and refused to make changes to the credit bureau reporting.
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/2022 I began the process of applying for a home loan and unfortunately was denied a home for my family because of false and misleading information reporting on my credit report. Once I noticed the false information on my report I sent dispute letters to Experian to which they have not responded to my request to further investigate the false information on my credit report. And I have proof that my dispute letters were received. My family and I are truly distraught because I really need to obtain a home for the well being of my family.
Consumer complaint received 2022-07-08
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. (GA)

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX is reporting inaccurate information to my credit report. This violates my consumer rights under the Fair Credit Reporting Act 15 U.S.C. 1681, by which credit reporting agencies must report complete, verified, and accurate information. 

The above account is showing account closed on XX/XX/XXXX, Last Payment XX/XX/XXXX, and several payments, late payments, XXXX balance, etc... 
The information is inaccurate and should be deleted immediately. 

I have contacted creditor and credit bureau to delete the inaccurate information.
Consumer complaint received 2022-07-08
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. (GA)

n accordance with the Fair credit reporting act XXXX  account XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-19
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. (FL)

Hello, I was in my XXXX  XXXX account to check my credit score. i saw my credit score drop XXXX points even though i have been making payments on time and i went to check my credit report to see that there was a delinquent charge from collections from a bureau named : XXXX XXXX XXXX XXXX. 
And the original lender is : XXXX XXXX XXXX. 
The loan was the amount of {$740.00} As well i have no memory of this company nor have i ever dealt with them before. 
All i ask is to please help thank you.