davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (NJ)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

XXXX XXXX XXXX XXXX XXXX  Showing XXXX Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and XXXX15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The XXXX XXXX XXXXs dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX XXXX and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the XXXX XXXX 

( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This complaint to Equifax was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

After filing a complaint with the CFPB XXXX, I received a response saying The disputed information does not appear on my current Experian credit report. I pulled my consumer report on XX/XX/2022 to find out the same account I reported is still being reported on my consumer report. See Attached
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

My name is XXXX XXXX I am a former amex  XXXX of 6 years and was separated from the company in XXXX. 

I am currently in the interview process for a XXXX role that seems to be held up in the HR ecosphere. 

Additionally I took all the knowledge I learned while at AMEX and started a small business just as we are instructed to do : ) XXXX XXXX XXXX is a XXXX XXXX Studio located in XXXX XXXX XXXX. Last year -Opening in XXXX of XXXX during the pandemic we did XXXX in revenue in just 3 months of XXXX. In XXXX - we grossed {$54000.00} all reinvested into the business. This year we are on track to do XXXX which puts our growth margins just under 20 %. 

My dream was always to have an Amex card- I would be jealous of colleagues that would pay with them in the cafeteria of XXXX XXXX XXXX XXXX. So when I received an offer for the business platinum card, I was in awe. This was the XXXXXXXX XXXX XXXX XXXXXXXX. 

At the same time I applied for my small business platinum card utilizing my business EIN guaranteed by my personal income, I also applied for a personal card. 

As a XXXX card holder since XXXX I had always wondered why that card limit never increased above XXXX but I continued to hold the card because of its value. 

Today after XXXX hour and XXXX minutes on the telephone- I was told by underwriting, and XXXX XXXX my SMALL BUSINESS platinum card ending in XXXX is only pulling my PERSONAL credit. And that the XXXX action on my account to suddenly enforce a limit of XXXX while Have an XXXX limit could not be changed. 

As a small business customer care professional- I would always transfer customers to credit that had an XXXX XXXX to have 1 time charges approved, or open up their lines because they were on vacation and couldnt make a payment until they returned. 

However- when I asked for the same experience as a BUSINESS owner I was denied. I would hate to believe that this is due to my complexion - or XXXX. I cant imagine a company as illustrious as American Express would treat one of their own so horribly. It is my hope that you all as my internal amex community can help to resolve the issue of my impending job opportunity and my limited amex platinum card.
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (NC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a an accident that resulted in a total loss in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX at the time ) paid their settlement amount. It left a defiency balance on the loan. I have GAP and filed a claim. GAP gave a list of documents that they need, mostly from Capital One. I  contacted Capital One numerous times to have them send needed documents to GAP and according to GAP, they still have not been sent by Capital One. I also have warranties that need to be refunded, which GAP is also waiting for. I bought the warranties through XXXX  XXXX. They directed me to mail in a form to their corporate office. After doing that and waiting weeks I followed up. I was then transferred around to different numbers and ultimately given an update that no information has been received. I asked Capital One to assist me in getting warranties canceled too, they said they would but nothing has been done in months. Capital One did fulfill a request to mail me a copy of my contract because I moved since buying the car and some things were lost.
Consumer complaint received 2024-08-23
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. (AZ)

Dear Experian Dispute Department, I am writing to dispute inaccurate information that appears on my Consumer Report. Specifically, I have identified errors related to closed accounts that must be corrected or deleted immediately. The details of these accounts are as follows : 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 Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my Consumer Report and have it corrected or removed if it can not be verified. The information related to the above-referenced accounts is inaccurate and can not be verified. Therefore, I am requesting that these accounts be permanently deleted from my Consumer Report.

As part of your obligations under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of my dispute within 30 days of receiving this letter. If the disputed information can not be verified or is found to be inaccurate, you must delete the information from my Consumer Report.

Additionally, under 15 U.S.C. 1681g, I request that you provide me with all documentation and information in your files regarding these accounts, including any materials used to verify the accuracy of the information. If Experian can not provide such documentation, you are legally obligated to delete these accounts from my Consumer Report.

Please confirm in writing the actions you have taken to correct these errors and provide me with a free copy of my updated Consumer Report to verify that the inaccuracies have been removed. 

Thank you for your prompt attention to this matter. I expect full compliance with the law and a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

chime.com closed/froze my account in XX/XX/, 2023 and I can't access my {$470.00}. They did not return it does not matter what I tried. The reason for that was that Chime could not verify my account- I am a foreign citizen and Chime did not verify my identity with the foreign passport. However, the company did not had a problem when I opened an account and someone transferred money on my account, but Chime froze my account once there was a money on it... Originally, {$470.00} was sent by XXXX XXXX on my account in XXXX XXXX, 2023. So the company asked me to send photos of the front and back of a valid, government-issued photo ID, such as a drivers license or state ID card. 

I got the NY ID card in XXXX, contacted the support center and asked to verify my identity and give me access to my funds or at least return the remaining balance by check. After this we have exchanged several emails with the same texts - the company is sending me the same emails to send them the photos of the ID card, I am sending them and then receiving the same request from the other person acting like its the first time Chime requested the photos from me. Its like they are just trying to make me got tired and stop trying to get my money back. But I am a student and need every XXXX. 

Thank you! 

Best regards, XXXX XXXX
Consumer complaint received 2022-06-23
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. (PA)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative inquiries which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

XXXX XXXX has been harassing me for a medical bill that was already paid by insurance, also it never provided me with a validation of debt in the event the debt was real, contacted previous provider and was advised they do not do business with that collection agency and they can not verify the debt is owed, have file a dispute with credit bureaus and has been remove from two of them however they refuse to have it remove from XXXX, they have been contacting me to collect a debt that is not owed.
Consumer complaint received 2022-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022, I was informed that Synchrony Bank filed a lawsuit against me. I am currently working with a Debt Consolidation company, and Legal Team who I have given POA to work with Synchrony and try and settle the debt. Synchrony has made no good faith efforts to work with my representation, instead, they file a lawsuit. Their current approach seems to deceptive and malicious, when I am trying to settle with them, and they are using the courts to get around a settlement and add more fees to me. 

This all seems to be blatant unfair and deceptive practices. I am looking to your agency to please help me as a consumer. Thank you for your help and time.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I have been writing this company to investigate inaccurate information on my credit file back in XX/XX/year>. They have had well over XXXX days to investigate/delete this inaccurate information. I never received a response from my last dispute. I applied to buy a home ; a new construction and I was denied. I checked my credit file again and I see this inaccurate information still reporting! This is harmful and damaging.
Consumer complaint received 2022-10-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX 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 15 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
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RECENTLY I LOOKED A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES INQUIRIES CREDIT REPORT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (IA)

I had my payments set up to automatically come out of my checking account for my lease through GM Financial. After the lease was paid off and the account was closed the continued to take payments out of my account. When I called to inquire about it they were extremely rude to me and refused to tell me when I would get my money back and then hung up on me.
Consumer complaint received 2023-04-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-21
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. (OH)

I have no knowledge of this accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but they are being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 

15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-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.
Consumer complaint received 2022-12-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Citibank locked my card with no warning while on vacation. I was unable to use it to check into my hotel. I called to verify my account, gave them my security word, last four digits of card, last four purchases, last four digits of my checking account ( with another bank ), my email address on file, and my phone number on file. They refused to send me a verification code, refused my request to speak with a manager, and insisted I had to provide more numbers from my private checking account in order to verify. They refused to unlock my card and provided no alternate option like sending a verification code to my phone. I had no way to check into my hotel and they gave no option to resolve.
Consumer complaint received 2023-04-14
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX