davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Since the debt from AAragon first appeared in XXXX I have attempted several times to resolve and based on lack of Validation in XXXX by AArogan debt was removed. Now suddenly debt has reappeared on my XXXX report with the same balance from XXXX. As of XX/XX/XXXX. The debt does NOT belong to me and the company has been u able to validate. The company also provided no notification prior to placing a collection on my credit report this month. They did not give me the opportunity again to demand validation prior to applying to my report.
Consumer complaint received 2022-10-12
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. (TN)

In accordance with the Fair Credit Reporting act 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.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX  {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}
Consumer complaint received 2021-05-20
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. (TX)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX  as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to request the blocking and deletion of specific hard inquiries from my credit report as I have been a victim of a data breach. My personal information was compromised, putting me at risk for identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following inquiries from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (CT)

I made numerous attempts today, XX/XX/XXXX, to dispute a transaction from XXXX on XX/XX/XXXX or XX/XX/XXXX in the amount of {$1200.00}. I made a total of three calls to Discover, spoke with three different reps in disputes dept.. As explained to initial rep, I attempted to resolve matter directly with XXXX XXXX called the number listed on transaction numerous times within the past few days, was told they do not refund and only issue store credit .... The XXXX rep ( s ) were explained I did not make transaction, did not understand it is fraud. I left a message for a manager, no one called me back. I called Discover back a second time today, explained to another rep transaction is fraud, she attempted to refer me to a third party number in which case I told her that would not work, I needed to dispute charge with Discover. I then requested a manager, was put on hold for several minutes, no picked up.. I called back a third time, spoke with a XXXX in disputes, attempted again to dispute charge, he was explained above and I was put on hold while he attempted to file dispute ... He mentioned a call made to Discover on XX/XX/XXXX inquiring about funds availability for the charge and or a fraud alert in re, that call appears to be for a different amount .... I was at the time looking at an item for a different amount on XXXX, a boutique in XXXX XXXX, CA had a small mini bag available, a gift for my gf, I chose not to purchase, went with a XXXX bag instead. The amount of XXXX bag is around XXXX with tax. The call with XXXX cut off while on hold, he called back, put me on hold again.. I had another call come in which I needed to take, had to drop his call while on hold. Due to confusion on end of Discover reps in disputes, I was not able to file dispute and with call cutting out and later dropping, do not know if anything was filed. I wish to dispute charge as fraud, nothing received from XXXX in re, appears to be result of a possible data breach within XXXX
Consumer complaint received 2019-05-22
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. (IL)

After sending information to verify myself with my disputes ( XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX. XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine DPT EDXXXX XXXX not mine XXXX XXXX not mine PUBLIC FILINGS US BKPT CT IL XXXX not mine XXXX XXXX XXXX. XXXX XXXX {$110.00} not mine XXXX XXXX. XXXX XXXX {$130.00} not mine
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Back in XXXX, Chase has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking  account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize XXXX XXXX XXXX and found out I was a victim of fraud due to the fact my other account with XXXX had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with XXXX XXXX. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried XXXX XXXX and I was denied multiple times. After months of waiting, XXXX told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a XXXX XXXX account again and I was still denied to open a new account. I even tried to contact Chase 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.
Consumer complaint received 2019-05-22
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. (TX)

Equifax ; XXXX and XXXX are reporting collections that are a direct violation of the F.C.R.A. XXXX XXXX XXXX is reporting a collection on my credit report partial account numbers - XXXX XXXX. ( Please see pages 33 and 34 of the attached credit report. ) These private student loans were taken out in 2007. I was unable to continue to make these payments. XXXX XXXX XXXX sued me and lost because the statute of limitations had ended. Attached are copies of the Judgment granted in my favor. Consequently, XXXX XXXX XXXX sold this debt off to a third party who is now reporting this as a collection. These accounts should never have appeared on my credit report. This incorrect reporting is harming my credit scores.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one auto finance is reporting late payments monthly when the debt was reported as a charge off 3 years ago. They additional reported it as released debt to government. They seem to be double dipping and should not be reporting late payments when the account is closed.
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (TX)

Please remove the following fraudulent inquiries on my report XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Reported the following scam to Paypal. Have gotten my claim denied, am appealing but I should not have to waste my time and effort fighting Paypal when this person is a felon and known scammer. 

XX/XX/XXXX : Paid XXXX XXXX and XXXX XXXX ( XXXX XXXX, not a registered business ) for home repairs. 
XX/XX/XXXX : {$190.00} via paypal for replace faucet and shower head with valve change, install dishwasher which was never complete, make a bookcase door separating kids room from living room, fix XXXX flooring spots upstairs XX/XX/XXXX : {$120.00} via paypal to XXXX XXXX to fix tub wall XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. XXXX refunded, XXXX asked that I send as friends and family to XXXX via paypal XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. 
XX/XX/XXXX : {$50.00} for materials & picking up cabinet to put upstairs XX/XX/XXXX : {$50.00} moving cabinet XX/XX/XXXX : {$97.00} delivery of cabinet and p-trap accessories so he could finally finish the dishwasher. 
Total : {$690.00} The only thing that was completed was the faucet/showerhead install, everything else was left incomplete and unusable, whereas before at least everything was usable. 

I am prosecuting the person committing fraud, XXXX police report # XXXX
Consumer complaint received 2022-01-13
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-01-28
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. (FL)

I received collection calls from company i have no business with, i check my credit report to find several accounts report to my credit file that doesn't belong to me, i try to correct with creditor unsuccessfully. i am making report to let credit bureaus know these accounts don't belong to me, and should be deleted from my credit i can regain good standing with my credit history.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

I have an account with Chime on XX/XX/XXXX they said someone tried to access my account and they suspended my account I have called and sent emails and they asked me to send an.email with my drivers license and me holding it I did onXX/XX/21 then I heard nothing still suspended then I called and got another email they wanted me to hold up a piece of mail and take the picture I did that onXX/XX/21 still suspended then they swnt another email wanting a picture of me holding my liscence and the last 4 of my social I did that on XX/XX/21 I had a deposit go in on XX/XX/XXXX and I have no access to my money this company has many complaints about this same issue and I have incurred late payments and return charges because of this and still have no answer and there wasn't a purchase that was attempted they just said someone tried to access my account so why not just change password and it's done but I haven't had that opportunity well actually I did on XX/XX/21 qhen I spoke to a representative and she told me I was good then later when I went to login I couldn't. I feel they might be using my identity and i.know they are using my money because I cant
Consumer complaint received 2020-06-19
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: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX Mastercard owned by Barclays, ending in XXXX, failure to remove a charge billed on XXXX, XXXX, XXXX for XXXX on XXXX XXXX for a cancelled flight by XXXX and US for dates XXXX. And failure to remove a charge of XXXX dollars for a charge to XXXX. Barclays charged me twice, once in XXXX on both charges and again in XXXX on both charges.. Barclays is no stranger for violation of credit laws. In XXXX I made purchases with my XXXX XXXX XXXX cards ending in XXXX, and XXXX, for failure to receive XXXX bonus points for every XXXX dollars purchased. I spent XXXX dollars on XXXX XXXX Purchases.. Never received the bonus points as stated.. They were not down payments. Barclays thinks this is very funny, because they think they will not get in trouble. Plus the reps have be very nasty. When you reach them after long wait times, they just hang up. Shame on Barclays. Thanks
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys XXXX XXXX XXXX and the original creditor PENDRICK CAPITAL PARTNERS LLC disregarded this filing and finding. XXXX XXXX XXXX XXXX then proceeded to contact me yet again against these findings and claimed that PENDRICK CAPITAL PARTNERS LLC withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. XXXX XXXX XXXX XXXX claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.
Consumer complaint received 2021-02-02
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: CBC Companies, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Factual Data ( dont recognize, unauthorized inquury ) XXXX XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( Factual Data I never authorized and XXXX XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (GA)

Hello, I'm inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my ssn is XXXX. I'm also inquiring about custodial accounts in my son 's name " XXXX XXXX SSN # XXXX and my daughters name XXXX XXXX # XXXX. I believe the account may have been opened fraudulently by a close relative without my knowledge. if there are any accounts open under our names, could you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!
Consumer complaint received 2019-03-11
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My attorney contact Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding this debt being too old to collect. FCO agreed this debt is too old to collect and stated they would not pursue collections, but refused to remove this item from my credit reports.

I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid.

I spoke with someone from FCO and they said they have no intention of removing as the debt as having in on my credit reports gives them the potential of getting paid.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

around XX/XX/2020 i received an alert that my checking account was close pending. I proceeded to go to a Chase Bank branch and spoke to teller about the issue. The teller was able to open a new account and transfer the funds from the old account into the new one. Everything was fine with the account.Two weeks go by and on XX/XX/2020 i see that the bank has withdrawn my initial two deposits from my new account, causing it to be over drafted. What the bank has told me is that the system issued the close pending check for the old account using the funds from the new account. Today is XXXX XXXX and i am still fighting the bank to release my money back into the account, and every time i speak to some all the do is escalate the review and tell me to wait another 2 or 3 days. I just got paid on XX/XX/2020 and i did not get to see XXXX penny of that paycheck because of the over drafted account.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (AR)

In XX/XX/2019 I notified XXXX Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!! 

I reported this in XX/XX/2019 as stated above, XX/XX/2019 and received another Debt Consolidation application by mail on XX/XX/2019. The credit reporting agency 's are unable to keep my personal information secure as proven in the past and I do not want my information released to debt consolidation agency 's.