davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-11-06
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.
Consumer complaint received 2020-07-03
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. (AL)

In your response to CFPB XXXX you expressed some information that are flat out lies. I've documented my evidence as screenshots attached. In screenshot 1 you allege " there is no mention of a Ch XXXX Bankruptcy that will be dismissed in XXXX of this year. '' In screenshot 2 as clear as day you are saying that " Therefore, as permitted under law, it will remain on your file until XXXX " Why are you lying to preserve inaccurate information on my profile? I'm starting to think this is personal. The fact that you simply ignore the evidence presented to you shows a pattern of negligence that is a cause for a lawsuit. I have visual proof that you reported 2 different deletion dates, 2 different chapters of Bankruptcies, and now you're alleging you never even said it when the evidence is in your face? My lawyer, XXXX XXXX suggests that I have a solid case for negligence and willful noncompliance. Also, you keep mentioning XXXX, I've used XXXX  also, it's a database you can just type in a name and get incomplete and inaccurate information. Clearly my point is this information is wrong. Therefore it is your obligation to investigate the original furnisher ( THE COURT ) to get  complete and accurate information. I keep providing proof of my address in a government ID and Bank Statement yet you insist on telling me where I live. Do you realize how crazy that sounds? I am attaching a police report stating I am a victim of identity theft and I need you to block this bankruptcy from credit profile immediately in accordance with FCRA 609 ( e ). You have shown you are unwilling to investigate this issue and have committed numerous violations of my consumer rights. I am attaching my ID, bank statement, a letter from the original account ( Bankruptcy Court ), Your discrepancies in the investigation, and your lies about the discrepancies. Please do not respond with stalling tactics. You must stop violating the law.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. 

XXXX apartments sent account to the collection agency National credit System XX/XX/XXXX for the amount of {$2300.00}. 
I tried to contact National credit System XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Consumer complaint received 2023-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I met With a person to purchase a product from them on XXXX around XXXX he acted as if he were getting items out of his car and pulled off I called Cashapp immediately they instantly denied the claim They did not complete an investigation or reach out to the party where the money was sent I told Them I had the cash tag it was sent to snd phone number still no investigation or resolution to help me at all. IIve never sent this much money or to this individual before
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (PA)

Hi, on XX/XX/23 my card was fraudulently used. I called square to notify them on my funds being taken and started a dispute. I was asked several questions one being, was my card in my possession at the time of the the transaction. I stated yes, I was in California at the time. XXXX transactions were taken out of my account from a XXXX XXXX XXXX in New York. A short time later i was told my request for the funds would not be returned because the card was in my possession. 
I asked could I have information about the transaction and I was told they did not have any of the details besides the name. I asked if they could please do an investigation and I was told no, they go by XXXX XXXX rules and no investigation can be done. I even tried to ask who would spend that much money at a XXXX store in New York and they still gave me the same response. I know if a proper investigation I was done they would see that was not the person who used my card. I also find it strange that a short while after I was give a loan from square for close to the same amount that was stolen. There are all types of scams these days like copying cards ect. 
Please help me with this matter thank
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (TX)

Back on XX/XX/XXXX I informed Synerprise that the account that was showing my credit report was not one that I acknowledge or knew of and that I needed all information. On XX/XX/XXXX Sypriseprise wrote back via CFPB portal informing that the account was being deleted from my credit report yet it is still there. However, after further investigation I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs,  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as  possible.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I noticed it came up on my credit report. I have never heard of this bank before. I called them to find out what it was about. They said it was a credit card. I have never had. A credit card with them not have I ever had a card with that amount or limit. They asked for my name and address to verify and the last name and address they had on file didnt match mine. I told them because it wasnt my debt. They tried to get me to settle it for {$1200.00} right there. I told them no because it wasnt my debt. I have been disputing it with the credit companies and they are now using my last name and PO Box ( that they had me use to verify ) on the account instead of what they had before. They have never called until after I called them so they didnt even have my phone number that I have had for 20 years until I contacted them to find out what it was.
Consumer complaint received 2022-11-03
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. (PA)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2020-07-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (CA)

I have tried to complete work out payments with this company due to the Covid 19 and being laid off of work. Exeter Finance has stated they will not work with customers in the state of California, no more than 2 months deferments, even though they are still affected with the Covid 19. I also called to let them know we are in the process of filing for bankruptcy, at first they refused to take the information from me as I am the spouse and not the main account holder. 

This company with the outrageous rates as well as unwillingness to work with not just us many of their customers during this Covid hardship has been stressful and actually predatory collections/ lending. The lack of compassion this company has for it's customers is unbelievable. At the beginning of this Covid outbreak they were refusing to work with customers, and as we continue to see hardship of being out of work, they still continue to state it is their business decision to not assist any further than 2 months regardless of the Covid out break.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In XXXX of 2018 I noticed 10 checks deposited into my bank account that I did not deposit. The morning it was noticed I immediately reported the fraudulent activity to the bank and was immediately treated as being the person who performed these transactions. I was treated as a suspect everytime I called and not as being a victim of identity theft. Many of the representatives from the company refused to provide me information as to how the checks were deposited and the location of where it was deposited. I was able to find out that this transaction happened in Washington, DC while at the time I was located in XXXX, TX. I was also told that the checks were deposited both through the ATM as well at the teller. My paychecks were being deposited into that checking account and it took 3 months before they release my money to me and subsequently closed my account. They reported me to chexsystems and has made it difficult for me to establish credit and open an account at a credit union. I don't think that they put in the effort to protect me as a customer and investigate fully what happened. To this day I don't know who used my account to commit fraud. The bank has falsely reported me as a risk and has ruined my life as a result. I request that the bank have my name removed from checking account reporting companies and I am requesting that this issue be investigated thoroughly. I am also requesting all bank statements leading up to the cancellation of my account so I can conduct an investiagtion of my own.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened a new credit card with capital one bank. I used the card, then I never received a statement. I never recieved a mailed statement or an emailed statement. I waited 2 months to check on the account. In that time Capital One charged me {$65.00} in late fees. I recieved no notice about the fees or the account. Capital one refused to waive the fees. The only way I could come current, was to sign up for a program that charged me {$83.00} a month for three months. I believe that they did this purposeful to generate increase fee income.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

I was contacted by Jefferson Capital Debt Collection company about a XXXX account that I had been in arrears, and was recently paid off in the last 60 days, from phone number XXXX. 

The debt collection company representative disagreed with me about the fact that I had paid the account off, and further stated that due to the age of the account that they knew that they could not sue me for the amount in question by them. 

They further continued to argue abusively toward me that they had never received the settlement amount that they purposed via the U.S. Mail. 

I advised them that they were or could be ... in violation of the T.C.P.A. laws for calling my cell phone, and to not ever call me again, because their telephone operator/representative kept yelling in my ear lies about me not paying their account they represented in full.
Consumer complaint received 2022-09-29
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: CITIBANK, N.A. (SD)

I applied online for the Citi credit card and entered info for {$6000.00} balance transfer from my XXXX card so 0 % intro apr would apply. I was approved with {$9100.00} credit limit and transfer was approved with a fee of {$180.00}. I received my card, called to activate it then inquired about the balance transfer. I was unable to get info and told they couldn't verify my identity. My new card was placed in fraud status. I made 6 additional calls to resolve it and was told the same thing, they couldn't verify me. I provided passwords to account and because I didn't have an alternate landline #, they couldn't help. I am worried my XXXX card is compromised because I gave them all my info for a balance transfer. I requested the citi account be closed because it felt like a scam and was told they can't close it because it is in fraud status. I activated it this morning and didn't attempt to purchase anything with it!
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XX/XX/XXXX # XXXX XX/XX/XXXX Experian XXXX XXXX XXXX To whom it may concern : I received a copy of my credit report today and discovered some alleged hard inquiries.I do not recall authorizing these inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

Inquiry names and dates 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 U.S. Code, 15 U.S.C/ 5/1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that / contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed/physically verifiable proof obtained validly acquired lawful permissible purpose, concern exactly identified consumer who is/ was factually identified as being me and only me.

Please provide proof of permissible purpose by furnishing to me documentation of credit application proof of my signature showing that I indeed applied for credit with this company, elsewise delete these inquiries immediately. 



Sincerely XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XX/XX/XXXX XXXX - [ ]
Consumer complaint received 2023-05-24
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. (TX)

I had reached XXXX XXXXXXXX XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2020-07-03
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. (GA)

XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & Experian on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Experian reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX XXXX  payment if this claim is to be true. XXXX  and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if XXXX  & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (GA)

I transferred {$1000.00} to my XXXX XXXX account on XXXX of XXXX XXXX XXXX of XX/XX/2023 I received a confirmation message that the funds were deposited to recipients account but when I checked my account I didnt receive any money from Remitly so I contacted to. the customer service and file a complain about it They said they will call me back with the resolution in 4-7 business days but I nobody called me from Remitly so I called them n they said the same thing so I waited again for 7 days .Same thing was going over n over again. Its been more than a month n I still havent got my refund back
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hi I have settled my XXXX XXXXXXXX account, my capital one account and my XXXX  accounts. They are all telling me they cant remove them from my credit even though Ive settled and paid as agreed. Please help me remove them as negative remarks on my credit.