davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (OK)

In XX/XX/2022, I was informed that I was late on a payment for my credit builder account for the first time due to my payment not being processed. I was only told today that I had been delinquent from XXXX 2022 for payments of {$35.00} for a credit building service. The account was not helping my credit so in XXXX I cancelled the account on the phone, which the company said they had no record of today. I was also altered by email in XXXX that the account would be closed by Self for nonpayment when I made no changes other than cancelling. I cancelled the account and they kept charging me {$35.00} per month in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told I needed to pay {$130.00} in late charges to get my account current today- XXXX months after I cancelled it. When I told them I refused to pay and cancelled my account again- they only then informed me that I did NOT in fact owe {$130.00} and that my account would no longer be reported on. The deception is criminal!! The real issue is that Self reported my payment on a XXXX XXXX account that was cancelled as not just XXXX but XXXX days late, this despite the fact there was money in the account to cover any payments " missed ''. Instead my credit building account is now severely damaging my ability to get a mortgage. I need this XXXX and XXXX late payment removed from my credit report immediately and a letter stating the debt is resolved without prejudice. I can not believe a service dedicated to helping credit would ever do so much to damage mine AFTER I CANCELLED the service!!
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Woke up this morning to a XXXX score drop. Reason for the drop is due to account remark/comment that were added on a XXXX XXXX credit card account account that was closed 6 years ago! I called Equifax to fix this, they said the previous rep I spoke with a week prior to remove account comments on my XXXX XXXX credit card ended up submitting a dispute on my XXXX XXXX account instead. So I asked them to undo the dispute or remove the account comments/remarks on the XXXX XXXX account since I never request for it, they were not able to. 

I've noticed with Equifax and only Equifax, when you dispute a negative account and remarks are added after the dispute, it often results in a significant score drop. It's as it re-age the negative payment/status to recent. So although that account was closed 6 years ago as a charge off, once a dispute is submitted and account remarks are updated it looks as if the delinquency is recent. This practice should be illegal! It happened before on XX/XX/XXXX, when a dispute remark was added to my HD account and it resulted to a XXXX points scored dropped. Called Equifax immediately to remove the account remarks, my score went back up XXXX points the next day, Go figure!. Credit is a very important thing to one 's livelihood, Credit bureaus like Equifax should not be able to toy with people 's lives like this. I'm in the process of purchasing a home and a car and now I may not be able to after this XXXX point drop for no reason. This nation has truly FAILED it's people by allowing these credit bureaus like Equifax with their inconsistency and inaccurate reporting to get away with all they do to ruin people 's lives with little to no accountability.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XXXX TransUnion I made several requests to get my credit reports by phone and mail they both refuse to properly update information. XXXX has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. TransUnion wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or score. XXXX  wrong inquiry 's nd collections.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Financial Services Solutions, Inc. (MD)

I originally signed up for beyond finance in XX/XX/2019 and paid a little over XXXX a month until recently. I paid a little over XXXX and they closed 3 accounts which were not close to that amount. They kept telling me for months they were in settlement while my credit gor worse and then finally after years of service and realizing my money was being stolen I asked to close my account. They said I only had XXXX in the account and they were keeping it. I paid them for years only to have 3 accounts closed but then I don't get my money??? Where did the XXXX go????
Consumer complaint received 2022-11-05
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 previously disputed some items on my credit file, that were unrecognizable/invalidated and Equifax claims that to have verified the items with the original creditor, I was given no documentation or solid evidence of my obligation as owning this debt to these creditors, by the original creditors or Equifax, yet somehow they claim to have verfied the items. I have notifed Equifax that these items look unrecognizable/invalid on my credit report, I have every right to believe this debt is not mine, and to ask them to validate the debt. My person information was leaked in the 2017 Equifax data breach and may have gotten into the hands of the wrong person, I have done my own research and have documentation.
Consumer complaint received 2022-11-05
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. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXXXXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXXXXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in XXXX XXXX Credit Report showing all 3 violations.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On my Walmart Rewards card ending in XXXX I have set up AUTOPAY on the bill due date for the MINIMUM AMOUNT DUE. 
For the XXXX through XXXX billing period I paid the bill and then some ( XXXX {$18.00} ; XXXX - {$300.00} ) early. Capital One 's website acknowledged ( see attached screenshot ) that a minimum payment was no longer due thus negating the ACH authorization. 

On XXXX Capital One attempted to process a payment of {$28.00} without my authorization.
Consumer complaint received 2023-02-14
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)

There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, XXXX, XXXX, and EXPERIAN are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.
Consumer complaint received 2022-11-08
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. (PA)

XXXX, XXXX and Transunion are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA XXXX
Consumer complaint received 2022-11-05
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. (NV)

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment?

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- summary Equifax XXXX XXXX Account Number XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX  : XXXX XXXX  XXXX, XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation
Consumer complaint received 2022-11-05
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. (NV)

do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX summary XXXX TransUnion XXXX Account Number XXXX  Original Lender XXXX XXXX XXXX XXXX XXXX Name XXXX Date Assigned XXXX XXXX, 2022 Original Balance {$28.00} Current Balance {$28.00} Responsibility Individual Status Unpaid Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2022 CFPB Complaint # XXXX XXXX : XXXX XXXX XXXX  XXXX ( XXXX XXXX is a collection agency contracted by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX to collect past due accounts. The accounts that XXXX places with XXXX for collection are assigned, not sold to XXXX. All accounts remain the property of XXXX. Upon receipt of this dispute, XXXX requested the supporting documents associated with this account. Upon receipt of the documents and investigation of the claim with XXXX it was determined that XXXX XXXX is an authorized signer for his company, The XXXX XXXX and is not personally liable for this particular matter. Subsequently, XXXX has canceled the account and conducted a removal of the reporting for this specific account to the credit bureau on XX/XX/2022. Please find attached this removal request. 
Closed with explanation
Consumer complaint received 2022-11-05
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)

My name is XXXX XXXX, about a year ago my wallet was misplaced when I attended a concert with a group of my family members. Inside of wallet Included my ID and social, along with my cards and some cash. A few months ago I viewed my credit report and noticed some things attempting to be opened in my name, things that I did not do, which lead me to believe that I am a victim of identity theft. I am very exhausted and so tired of dealing with this same issue regarding my credit report. I am needing the items to be removed off of my credit report as soon as possible to fix my credit file. As I am tired of worrying, and I am hoping these things get solved as soon as possible.
Consumer complaint received 2022-11-05
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. (NV)

I do not have any account with this company, I have asked that it be removed I am not an authorized user on this account and I have not signed any documents and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? i need accurate data points please XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, XXXX XXXXXXXX, XXXX  Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$81.00} {$4400.00} Credit Limit {$4500.00} {$4500.00} Credit Utilization XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello I have tried a numerous of times to have XXXX and Capital One to correct my soft inquiries. I have 128 Soft inquiries from XXXX and Capital One each party keeps sending me to the other party. Which I am told to get it corrected by the other party. No one seems to want to correct it this has affected me it has hurt my credit report. Each party consistently tell me it's not hurting my credit report 128 inquiries does hurt your credit report. Especially when you have not applied for any credit. I spoke with the 20managers at Capital One each one of them refused to help. I begged to speak to anyone for help me. The manger by the name XXXX stated there was no one above him and so did the next manger. I felt as if they should have gone overboard for 128 inquires in which the mistake was on Captial one. I was antagonized as if it was my fault asking me questions and basically stated it's my responsibility to dispute the 128 inquiries, however when I tried to dispute with XXXX. I was told to go to Capital One. It's just a redundant domino effect and no one seems to want to help me. Please get this corrected regard to my credit reports. In which has affected my livelihood. No one wants 128 inquiries on a credit report. No party seems to want to take accountability and get it corrected. I been turned down for credit with bigots when my credit score was XXXX. 

Thank You XXXX XXXX.
Consumer complaint received 2022-11-08
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX  XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/XXXX I purchased a product online from a company called XXXX XXXX -- at the time the company 's website was active at XXXX. The site uses Afterpay, a buy-now-pay-later type of website to process the customer payment. 

After the purchase, I started researching XXXX online and found multiple consumer complaints that items were purchased but never delivered, often in the hundreds of dollars, and that the company would never respond to inquiries requesting a status or purchase update. 

I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding that the order be canceled and my initial XXXX of XXXX Afterpay payments be refunded. Concurrently since XX/XX/XXXX, I have at least XXXX back-and-forth emails begging Afterpay customer service for a refund due to the fraudulent transaction. At every step, Afterpay refuses to resolve the matter, only providing vague updates that their merchant business unit is looking into the matter. I have demanded but been denied an opportunity to speak directly by phone with a company representative to explain the issue.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 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 functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.