davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (OH)

XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX
Consumer complaint received 2021-08-10
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)

I contacted the credit reporting bureaus, '' Experian, XXXX, and XXXX  '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I was originally charged in two separate payments for a condo vacation rental that I disputed and they sent a rebuttal back which I then disputed with further proof as to why I was entitled to a full refund, I originally didnt realize there were 2 separate case numbers and capital one requires that you send proof with the case number and amounts. I sent all of my proof by fax in writing with documents but only mentioned one case number, when they credited my account on the XX/XX/XXXX I then realized I needed to fax copies with the other case number as well, which I did on the XXXX. The paperwork says to give them 10 days to respond. The paperwork also said the deadline to further dispute was XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to see what was going on as to why the credit had been but on my account for the one charge and not the other. The guy said he didnt know what happened that it does show they received the fax on the XXXX that he was sending me over to a different dispute department so they could further investigate what happened. Once talking to another customer rep he tells me they didnt receive it that it could have been lost or something and I told him the guy I spoke to before said it showed they received it. He told me to just fax it over again which I did on that same day and today XX/XX/XXXX I got a document saying I missed the deadline to dispute this charge. I have proof that I faxed it on the XXXX and that it was received on top of their employee telling me they received it. The payments were {$460.00} and {$400.00}. The {$400.00} charge is what they have not credited. The case numbers are XXXX and XXXX
Consumer complaint received 2022-04-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (IA)

Woke up on XX/XX/2022 only to find out that my account has been permanently limited according to a mail sent to me by PayPal ( Ref ID - XXXX ). 

I have been in shock of what Policy I did go against that could result to my account been limited...

I need explanation on what Policy I did violate and why should my account be limited.

I have been a loyal PayPal customer over the years and with no engagement with fraudulent activities demand and explanation of why I am being wrongly limited..

I have mailed the executive and no response has been given.
Consumer complaint received 2022-09-18
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. (FL)

I have an unauthorized inquiry dated XXXX XXXX,2022 on my Experian consumer report. They accessed my credit again without my permission as I did not apply for anything!
Consumer complaint received 2020-07-09
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)

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, XXXX form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX  who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I notified the company in writing of my correct address and provided documentation on more than one occasion. XX/XX/XXXX, and then again in XX/XX/XXXX, as recent as XX/XX/XXXX. This is unacceptable and outright neglects the information I provided. I provided proof of address and Identification verifying my correct address and still the same result. See attached below : a copy of my identification with my valid address, a letter sent back in XXXX of XXXX, and an attachment of my current information on my consumer report. The home address is correct but the town is wrong and it clearly shows on my ID.
Consumer complaint received 2020-07-08
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. (GA)

I'm a fraud victim I have provided Experian with several police reports listing the below accounts as fraud however, they refuse to investigate nor remove these accounts by law they are obligated to remove these accounts, however, they are in violation of federal law and they refuse to remove these fraudulent accounts. The accounts that are fraudulent and need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. These accounts are reflected in a recent police report filed and these accounts need to be blocked from my credit report pursuant to federal regulation section 605B of the Fair Credit Reporting Act. I have disputed these items for the last 6 months and nothing has been done with regard to these fraud accounts.
Consumer complaint received 2022-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I have disputed numerous times to all XXXX bureaus for my auto loan with credit acceptance. Iam not responsible for this I have disputed. I did my dispute with XXXX on XXXX XXXX 2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (LA)

The following account is an result of fraud. XXXX XXXX XXXX   {$1100.00} XX/XX/2016 I have no knowledge of this account. I have tried to fix this with the company in question XXXX XXXX XXXX.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have applied multiple with Capital One, online, and with an agent over the phone. While on the phone with the agent, he said this is strange your application gets denied without a credit pull. I notice the same issue when I apply online. I never see hard of soft pulls on my credit reports. Furthermore, My Walmart Card which was managed by XXXX until XX/XX/2019, and becoming Capital One account. This account always gets turned down for increases. I called for the second time today to get the Capital One version of the Walmart Card. The agent on the phone today said I was never issued a new card. I informed him that I have requested one before and never got one. I know it is illegal for Capitol One to blacklist people but I feel that this is what they are doing to me.
Consumer complaint received 2022-10-13
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. (LA)

I disputed inaccurate information that's on my credit report my XXXX XXXX XXXX opening date says XX/XX/XXXX on my TransUnion and XX/XX/XXXX how can my information be verified and it's reporting two different information my payment history on TransUnion and XXXX is not accurate with each other and it's not all listed date last active on TransUnion is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My XXXX XXXX XXXX has inaccurate information date open for TransUnion is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for TransUnion is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in TransUnion how can it be verifed from XXXX  XXXX showing different information needs to be deleted immediately violation of the fcra Both TransUnion and XXXX stated that everything was accurate and verified how can I be accurate and verified when they are reporting two different things
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, EXPERIAN, & XXXX. Proper identification is provided.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided.
Consumer complaint received 2021-12-15
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)

I have asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is 9yrs and 10 months old, and XXXX was a ch XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a ch XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( ch XXXX conversion ) unsubstantiated or otherwise found inaccurate. 

The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed, I am at 9yrs and 10 months from case XXXX. Generally, bad credit information is removed after seven ( 7 ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent my first letters over 4 months ago to Equifax, XXXX and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I received an email from my checking account bank indicating that my account overdrafted by {$840.00}. I saw that Bank of America took out {$9.00}, XXXX. I called Bank of America on XX/XX/2020 and asked why there was an over payment of this amount. I was told that I accidentally set up an automatic payment on my due date of XX/XX/XXXX of my previous account balance. On XX/XX/XXXX, I requested that the over payment be sent back to my checking account. On Monday, XX/XX/XXXX, I called again to see what was going on with my refund. I was told that the request was not in the system until XX/XX/XXXX and would take 5-7 business days to process. I called again on Monday, XX/XX/XXXX to get an update and was told that because of the amount being refunded the transaction needed to be approved by the fraud department. I called again later that week and was informed that the fraud department approved the refund on XX/XX/XXXX. I was told it would take another 5-7 business days before the refund would process back to my checking account. I called approximately 5 times after XX/XX/XXXX to check in on why my refund was not yet posted in my account. I asked to speak to a manager on several occasions and was told " someone will call you back. '' I never received a call in return. I also began noticing every time I called, I would be disconnected or the call would fail. It got to the point that I would call 5-7x in a row and be disconnected at different stages during the call. On Monday, XX/XX/XXXX I called again and spoke with XXXX XXXX at Bank of America. She confirmed that the refund was approved on XX/XX/XXXX, but there was no activity on the account to process the refund since then. Ms. XXXX assisted me with submitting a complaint # XXXX to Bank of America and told me that a manager would call me back to follow up on processing the refund. I never received a phone call back. On Wednesday, XX/XX/XXXX, I called again and was told by a different associate that the refund was still being " looked at '' and it was never approved on XX/XX/XXXX, and that he " was sorry for whoever misinformed me. '' I asked to speak to a manager and the called failed yet again. I called from a different phone number and I was able to finally speak to a service member named XXXX in Florida. I asked if she could point to me a BOA policy that explains the refund process and she was unable to find it on BOA 's website. She was also unable to provide me with any kind of written documentation either confirming the refund or explaining the process. I was finally able to get a clear answer that because the refund is over {$7500.00}, it could take an additional 7-10 business day to refund on top of the usual 7-10 business days. I was told that I should expect my refund by XX/XX/XXXX the latest.
Consumer complaint received 2023-03-14
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: Source Receivables Management LLC (IL)

15 usc 1681 section 602 state i have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer on cant furnish an account without my written permission. 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late purposes. In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights
Consumer complaint received 2023-04-24
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXXXXXX XXXX Balance : {$470.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX Chapter XXXX reference # XXXX Should have been removed as of XX/XX/2017 Currently hurting my credit score and the ability to rebuild my credit. 

Credit history is reporting that it is only XXXX years old. However, I have accounts such as XXXX XXXX that reports an open account for XXXX years and 4 years.