davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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. (NJ)

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to XXXX. It is not on Equifax. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (WA)

In XX/XX/XXXX between XXXX XXXX there were multiple charges on my card from food companies and store companies that I never used or made purchases from. 

Once I noticed the card was missing I called and canceled it and also made a police report. The company Wisely says I made these purchases WHICH I DID NOT. It was over {$900.00} spent out of my account during this time for FOOD!! and 90 % of the food is out of state purchases. None of these company 's used my pin number for the purchases seems like online purchases. I dont know, just a guess on how this happened. I do not have accounts or associations with these company 's in anyway ever. Also its hundreds of dollars spent per day on fast food. I'm a YOUNG homeowner would never spend my money recklessly this way. 

These are the charges im not getting my money refunded for : XX/XX/20 XXXX {$25.00} 1XX/XX/20 XXXX XXXX {$31.00} XX/XX/20 PIZZA {$32.00} XX/XX/20 PIZZA {$35.00} XX/XX/20 XXXX  XXXX  XXXX {$53.00} XX/XX/20 XXXX  XXXX  XXXX  {$53.00} XX/XX/XXXX XXXX  XXXX  XXXX {$35.00} XX/XX/XXXX SP* XXXX XXXX {$84.00} XX/XX/XXXX XXXX  XXXX  {$140.00} XX/XX/XXXX XXXX  {$120.00} XX/XX/XXXX XXXX* XXXX  {$98.00} XX/XX/XXXX PX XXXX  XXXX {$37.00} XX/XX/XXXX XXXX  {$20.00} XX/XX/XXXX XXXX  {$25.00} XX/XX/XXXX XXXX  {$36.00} XX/XX/XXXX XXXX  XXXX  XXXX  {$61.00} XX/XX/XXXX XXXX XXXX  XXXX  NY {$20.00}
Consumer complaint received 2021-05-04
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (FL)

I had a 36month lease with Honda financial. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time Honda contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new honda vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  XXXX XXXX, but honda financial replies to them every time that the late payment fees are due. 

attached proof of the last payments
Consumer complaint received 2021-05-04
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. (CA)

There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$2600.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

Re : Amerisave Mortgage I applied for a refinance loan on application on XX/XX/2021. 
I was in constant and continual contact with the mortgage company, mostly responding to their multiple requests for information. This was understandable except it was requests for the same information over and over again. 
This back and forth resulted in receiving and responding with over 176 emails. All the while I asked and was assured my original rate was locked and secure, not to be concerned.

Most requests for information during that time were responded to by me within one business day. 
When I was finally approved on XX/XX/2021 I was told my rate lock had expired and I would now have to pay over {$200.00} more with each monthly payment. 
This delay was not any of my fault. 
At this point I am led to believe that this delay was not only unreasonable but intentional. 
I believe I was treated differently because I am a woman and maybe because my last name doesnt sound like everyone else. 
Please give this matter your attention. 
Thank you for your time and advise.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2021 someone opened a fraudulent store credit card at the XXXX XXXX  store in XXXX, CA serviced by Comenity Bank, an charged {$8300.00} on it in store goods. 
I found out about it only because I monitor my credit reports and I saw a credit inquiry that came in from Comenity. 
I reported to Comenity Bank immediately as soon as I found out, on XX/XX/XXXX. 
I also filed an identity theft report with the government. 
Comenity Bank promised to investigate. However, they sent me a letter mid XXXX, advising I'm responsible for these charges. Since then, they started charging late fees on the amount. 
I placed another call on XX/XX/XXXX to Comenity fraud protection asking to escalate and reinvestigate the case. 
At the same time, I found multitudes of customers online complaining about their problems due to Comenity Bank 's unsatisfactory safety practices resulting in multiple fraud cases with their store cards.
Consumer complaint received 2022-02-05
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 (TX)

XXXX Ordered a product advertised on XXXX which took me to a merchant called XXXX ( XXXX  ). Product was an XXXX helmet that was mechanically operated with remote ( glowing eyes, actuated opening and closure of the front section of the mask ). I provided all the the website pictures and the description of the product back to Capital One showing what the product was advertised as. I received an email confirming my order. 
XXXX Received shipping details with parts in XXXX, indicating that the product was coming from XXXX XXXX I did not know this as nothing on the website indicated that the product was shipping from XXXX. Their check out process indicated that the product would arrive no later than 2 weeks upon receiving my order. 
XXXX Received the product in a box with no professional packaging, just a plastic bag covering the product. I provided pictures, dates of the product once I received it to Capital One. I sent an email to the merchant indicating that I wanted to return the product because it was nothing like what was advertised and asked for their return shipping address. 
XXXX Received a reply from Merchant that did not include the return shipping address and instead asked that I keep the product and receive a 20 % discount on other products offered on their site. I replied indicating that I wanted a refund and to please send me the return shipping address. This reply was met with an automated email stating that the company would be on some holiday festival for 5-7 days. I then called to file a dispute with Capital One. 
XXXX I provided all of the documentation to Capital One to continue the dispute process ( including the dates of the aforementioned as well as detailed pictures from the merchant 's website and also of what I received. 
XXXX Capital One requested additional documentation including the sales receipt and also a letter from an expert in the field for the product to verify the difference between what was advertised and what I actually received. I contacted Capital One to express dissatisfaction with the process and that it was going to be impossible to obtain this expert opinion letter on the product. They communicated that this was required to continue the dispute process and that I would most likely lose the dispute without this letter.
Consumer complaint received 2021-06-14
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. (FL)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.
Consumer complaint received 2022-09-21
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. (FL)

XXXX is reporting wrong information on my report. This debt has been on my credit since XXXX and it seems that every year they change the reported date to the year we are in. That is fraud. Also they are showing on all three credit Bureau as three different negative accounts that incorrect and since XXXX They are listed negative twice as XXXX and once as the collection agency that bought the debt. I have been reporting this to be corrected.
Consumer complaint received 2022-02-05
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. (MI)

I reached out to Experian about deleting inaccurate information on my consumer report on XX/XX/2022 with a letter via certified mail along with a copy my id, they have failed to do so. Experian is in violation of my federally protected rights as a consumer. 
Pursuant to 15 USC 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system.

Experian has failed to properly investigate this information that they are inaccurately reporting, when in fact they are to exercise their grave responsibilities with fairness, impartiality, and respect for consumers rights to privacy, which they failed to do so.

Pursuant to 15 USC 1681b ( 2 ) any consumer reporting agency may furnish consumer report under the following circumstances : In accordance with the written instructions of the consumer to whom it relate, I have not sent Experian written instruction to furnish this inaccurate information.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

In the beginning of XX/XX/XXXX, I was contacted by FCO ( Fair Collections and Outstanding Inc ) over a debt for a townhouse I was renting in XXXX. 

I cosigned a lease with a roommate that was from XXXX XXXX XXXX XXXX. 
Only XX/XX/XXXX, I notified the leasing office that I will be moving out at the end of the lease, while my roommate will continue to stay. On XX/XX/XXXX, the Leasing Office, my roommate and myself, all signed my vacate forms. 
-- -- I requested the debt collector provide verification as well as provide an itemized list of what I owe. What was produced was only an FCO made document outlining debts accrued in XXXX of XXXX. XXXX month after I have already left the property. 

After 3 weeks of attempting to get paper work from the leasing office, I was finally given my vacate form. 

After sending the signed vacate form, I notified the collector that I was not associated with the property during that time, and that my old roommate was the one whos name was associated with the lease at that point. I was informed by the collector that my vacate form is not good enough to show i dont owe the debt. despite correcting her and stating that the responsibility is on FCO to prove I owe the debt, she refused to remove my name from her list. 

I was then told by the agent that since the roommate was not responding to attempts to collect, they are communicating with me instead. This is illegal. 

I again asked them now a second time, to provide all documentation they have of me regarding this situation. What was sent back to me was the initial lease, and the Vacate form that was missing the signature of me, the property manager, and my roommmate. It also did not show the dates it was signed. The document is also supposed to be 2 pages long, and they only managed to display 1 of the 2 pages. This is illegal. 


All information provided by the Collections Agency lacks any evidence or proof I was on the property, associated with the lease for the debts. Infact, upon further review of what little evidence they provided, I sent notice of my leave months ahead of time, and left at the end of my lease. This was confirmed by all parties involved.
Consumer complaint received 2022-02-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I sent letters to ExperianCredit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-04-28
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. (PA)

Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only Equifax and XXXX, not XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to Equifax and not XXXX  and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (AL)

I have an online account with Coinbase.com where I buy cryptocurrency and store it with them. XXXX allows us to change from XXXX XXXX to another so on XX/XX/XXXX I submitted 2 orders to convert XXXX dollars of MKR cryptocurrency to XXXX XXXX and XXXX dollars of AAVE cryptocurrency to XXXX XXXX. After I submitted the XXXX orders, Coinbase.com performed the conversion at NO fees, commission free. But I noticed that they only gave me XXXX dollars of XXXX from XXXX conversion and XXXX dollars from the XXXX conversion eventhough the conversion is for XXXX and XXXX dollars respectively. XXXX convert some of the money and kept the rest of the requested amount to convert. So I asked to convert XXXX dollars ( XXXX ) but they only converted ( XXXX ) dollars and stole the rest of my money which is about XXXX dollars. Where is my XXXX dollars and why they took it out of my account and why did they convert only a partial amount of my order and took the rest to themselves. Taking XXXX dollars out of my account is stealing and fraud and scam. I converted XXXX dollars of MKR and XXXX dollars of XXXX both to XXXX XXXX so that is what I should get and NOT less XXXX dollars and that is NOT fees. There are no fees for conversion and even if there is it wont be XXXX dollars XXXX gouge their fees on buying cryptocurrency and now they are stealing my money. I want my XXXX dollars back from XXXX. 
These transaction happened on XX/XX/XXXX.
Consumer complaint received 2021-04-28
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  M XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-06-14
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. (NY)

3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-07-22
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.