davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX  since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and Equifax websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (MO)

XXXX is reporting an old account on my report, via Personal Finance, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Personal Finance provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Personal Finance and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Personal Finance a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report
Consumer complaint received 2019-08-23
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. (GA)

ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX..NEVER HAD ANY BANKRUPTCY
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Following the XXXX breach, I permanently froze my credit at each credit reporting agency and stored the PINs in my password manager for safe keeping. Each time I need a credit check performed, I go through the unfreeze process by providing my PIN and any verification information requested and set a temporary lift on my credit. This process was working perfectly up until about 2 months ago when I attempted to lift my freeze at Experian and they rejected my PIN and requested I mail them my verification documents. I requested my credit report from the 3 bureaus to see if there was any incorrect information that would cause my request to be denied and again all other bureaus honored my request, except Experian. I went ahead and mailed them the requested documents, first on XXXX XXXX, 2019 and when I didn't get a response I sent them again on XXXX XXXX, 2019. I still have not received a response from Experian and I am still locked out of my credit report with them which is preventing me from being able to open a new bank account as the credit union I would like to join only uses Experian for their credit checks. I am not having this issue with XXXX or XXXX at this time, Experian is the only one who claims my information is incorrect and refuses to provide me with the information I need to get this fixed.
Consumer complaint received 2019-08-23
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: DISCOVER BANK (AL)

I sent in a dispute 5 years ago on Discover credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have XXXX have it reappear on my credit report .XXXX keeps having Discover reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for Discover to use my name or to put anything on my credit report. I want XXXX to remove Discover off my credit report and block them.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Celsius US Holding LLC (MI)

I am a customer with Clesius, the crypto currency exchange that recently froze withdrawals. I had no loan products and only bought a stablecoin, USDC, which is pegged to the US dollar and has not been depegged. Celsius misled me when I deposited approximately {$5000.00} USD into their exchange with the promise that it could be withdrawn at will. My most recent balance is approximately {$5300.00} USDC. Attached is a recent spreadsheet of my account transactions from Celsius for proof of funds.
Consumer complaint received 2019-08-23
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)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Consumer complaint received 2019-06-04
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. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX XXXX   XXXX claiming I have a {$7500.00} charge-off. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX XXXX, they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2019-08-23
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-06-04
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. (CA)

This company has been non-complaint in my request ( s ) for verification of an inaccuracy in their credit reporting, regarding an entry being reported under XXXX. 

This company violated federal law and also failed to provide me with a copy of any viable evidence, bearing my signature, showing the said account is being reported accurately. 

I have made several goodwill attempts to have them clear up this matter and they have failed to respond beyond an auto response which has left my request unanswered. 

I have requested that the company validate the reported information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested with the company in a letter dated XX/XX/XXXX that this information be immediately deleted from the credit file they maintain under my Social Security number. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. 

I have maintained a careful record of my communications with them for the purpose of filing a lawsuit, they have also been reminded that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance. 

The company was made aware that they had 30 days to complete the investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including their Method of Verification. I also documented with the company at the beginning of the investigation that I did not consent to e-oscar or any means of automated verification. 

This company has violated federal law, by not properly investigating within the required timeframe. I have evidence of such, via certified mail receipts, and they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against them.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2019 @ about XXXX. I called for an excess amount of interest charges of {$57.00}. 
I asked for a supervisor who's name by XXXX employee # XXXX said she could not help me with the problem and there was no one else I could talk to fix the problem. I payed the the full balance on statement due on XX/XX/2019 on XX/XX/2019 and a few weeks later interest charges of {$57.00} was applied. I have paid in full and been forced to close my Capital one credit card account. I have been paying excessive interest for 2 years and even after paying full balance I am being charged interest. I want an investigation on fraud interest charges.
Consumer complaint received 2019-08-23
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. (AL)

I sent in a dispute 5 years ago on XXXX credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have Experian have it reappear on my credit report  .Experian XXXX having XXXX reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for XXXX to use my name or to put anything on my credit report. I want Experian to remove XXXX off my credit report and block them.
Consumer complaint received 2019-06-04
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. (FL)

Attached below is proof that XXXX XXXX XXXX XXXX responded to the CFPB complaint and informed that they have contacted the bureaus to have this account and hard inquiries deleted from my credit report. XXXX has denied receiving the request from XXXX XXXX and neglect to delete unauthorized/ fraudulent accounts and hard inquiries disputed from my credit report or not even reviewing these serious matters.
Consumer complaint received 2019-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I tried to make multiple payments through capital one 's payment system. My payments never made it to my bank but they say the payments were returned. Capital one marked my account 30 days late. I spoke to five different representatives and they all were unhelpful. Capital one has had issues in the past accepting ACH payments. This company has failed in customer service as well as failing to update account information.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. 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 XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name 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 seven 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

My card provider has a policy of closing an account which has been inactive for a period of 24 months. My card account was closed due to inactivity, This action has dropped my credit score from XXXX to XXXX ... 
This action had nothing at all to do with non-payment or delinquency, it was simply lack of use on this card. Now I am penalized on my FICO score by a 23 point drop. I have made all of the calls necessary to address the problem, the bank card, the three credit monitoring agencies, and XXXX ... .and there is nothing that can be done. A 23 point drop seems harsh and punitive.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX   refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-23
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: SYNCHRONY FINANCIAL (OH)

Syncb- Inquiry from XXXX XXXX, 2018 - XXXX XXXX XXXX XXXX XXXX Fl XXXX This is from my XXXX   XXXX and I do not recognize this hard inquiry on my credit.
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Service, Inc. (AR)

I have received a telephone call from Collection Service, Inc today at my job. I have asked this company numerous times before to not call my job and I have also filed a complaint about this before. They are still calling. The lady that called me today was XXXX XXXX. I have written a letter to this company stating that this debt was being reported in error and in violation of the Medical Debt Relief Act. I sent this letter XX/XX/, 2018 -- DOS was XXXX XXXX, 2018. I have a copy. They did not respond but continue to harass me at work. The proper practices and procedures are not being followed. I want the harassment to stop and the proper procedures to be followed. This debt should not be being reported on my credit and should not have been sent to collections within 6 months of service date. The original creditor is XXXX XXXX. How many times do I have to file a complaint about this same company for something to be done and the law followed?
Consumer complaint received 2019-08-23
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: Early Warning Services, LLC (IL)

I APPLIED FOR A CHECKING ACCOUNT XXXX WITH XXXX AND IT WAS BROUGHT TO MY ATTENTION THAT A INCORRECT CHECKING ACCOUNT RECORD WAS STILL REPORTING FROM XXXX XXXX XXXX IN MY EARLY WARNING CONSUMER REPORT. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX AND ANY ACCOUNT OPENED IN MY NAME WAS FRAUDULENT. I DISPUTED THE INFORMATION AND PROVIDED THE NECESSARY DOCUMENTATION AS A VICTIM OF IDENTITY THEFT. IT WAS THEN BLOCKED PER THE LAWS OF THE FCRA. FOR ONE REASON OR ANOTHER IT WAS RE ADDED! THIS INFORMATION IS INCORRECT AND IS A RESULT OF ME BEING A VICTIM OF IDENTITY THEFT. PLEASE ASSIST. EARLY WARNING IS NOT FOLLOWING THE LAW AND I WOULD LIKE TO LOG THIS COMPLAINT AGAINST THEM.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (LA)

I disputed the XXXX XXXX XXXX XXXX on my report with experian. The loan was made in XX/XX/XXXX and It wasn't mine it was my husband loan it has been on my report since XX/XX/XXXX and every time I dispute it they change the date on the information and then tell that it's been updated. The loan was in XX/XX/XXXX and this is XX/XX/XXXX I paid off the loan and they are still refusing to delete the account from my report even though the time frame has exceeded the statue of limitation they keep changing the date and telling me they updated the account after it was verified to be mine. I am not saying it wasn't mine because it was my late husband 's account but I did pay it off and the time frame has run it's coarse.