davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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: AXOS FINANCIAL, INC. (CA)

on XXXX, my XXXX account was fraudulently obtained, and I was locked out by someone in XXXX. My account had my business credit card used for this account for advertising and a total of 8 charges of {$100.00} each were made using my credit card. 

I tried to report this as fraud on XXXX to Axos Bank both through their main number and fraud department. I found it strange that there long hold times for both departments, in excess of over 60 minutes so I called back the following day to report card as stolen. I also spoke with Fraud Department however there were unable to provide any details on the process, the time frame, or answer any of my questions I had regarding how and when I would recover my stolen funds. I was assured that I get a return call to answer my questions. No returns were made I made numerous calls again to both fraud department and main numberevery time there were extremely long times. I left with spoke 4 customer service representatives over a 2-week period to understand the process and timeline to obtain my stolen funds. Each time I was provided with assurances that someone would be reviewing the details and returning my call within 48 hours. No one ever returned any calls. 

I contacted the customer advocacy department and had assurances that their customers were important, and he would be calling me back within the next 3 business days. No return call so I called the representative back a week later asking for any updates his response was I left you a message last week and we you need to wait for the investigation to be completed which can take months. That is all I can tell you My concerns are vast : This organization has no concern for their customers, may face liquidity problems which would justify their unwillingness to examine a fraud case, support a fraud investigation process that is not a process in anyway and will result in an outcome that will no recover any of my stolen funds. 

This organization has no advocacy for their customers, an unwillingness to provide the service for fraudulent charges as they agreed to and a culture that lack clarity, accountability, and humility. I need your help to recover these funds of {$800.00}.
Consumer complaint received 2023-04-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (FL)

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-05-11
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: ENCORE CAPITAL GROUP INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-05-11
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. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX XXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-02
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. (CA)

I called Experian on XXXX XXXX XXXX to clear up an unfair score on my credit report. In XXXX of XXXX I went through Chapter XXXX Bankruptcy and had all my debts discharged. Prior to this I had ZERO late payments on my 4 credit accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, according to Experian 's own records, I had no late payments on these accounts. Specifically, the operator told me that I was late in XXXX of XXXX, but when I look at Experian 's own records on that exact month its says " current on payments '' ( please see attachments ) Regardless Experian will not let me dispute the so-called late payments ( see attachment ) because according to their own error message : " This item already shows that you are current and the terms of your agreement with the creditor have been met. This means that you were never late with your payments, so this item can not be disputed using this reason. '' But Experian has still labeled 35 % of my score as " Fair '' ( see attachments ) due to 4 late payments. There is clearly conflicting information and when I called they said there is nothing they can do. 

Additionally, my score at Experian is more approximately 40 points lower than the other credit reporting companies ( see  attachments ) who also show that I have ZERO late payments. 

Clearly, Experian is not reporting correctly and this has made it impossible to lease a car or get a credit card.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX  XX/XX/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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2023-04-14
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. (CA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has failed to respond to any of my letters or emails or voicemails. They seem to only respond when I make a claim through you guys. I called XXXX, many times and nothing has happened. As mentioned before I'm submitting a claim regarding my account ending in XXXX, my account has POSITIVE balance for that account is {$12.00}, XXXX, and I still don't understand why if you guys already decided to close my account and end relationship why has a check haven't been sent to me for the remainder balance in my account, capital one by law can not keep any of my money and must send a check to me for balance remaining, account should have already closed there no negative balance, so I should have already been issued a check for the amount shown above, i received mail of my account and shows me a balance. No letters as of why you decided to end relationship, nor when my account will close NO time frame has been provided, like I mentioned no answers are giving to me without me making a claim with the consumer financial protection bureau, please help me escalate this and get my money sent out to me. 
Why is it taking capital one months to close account with a positive balance. Not my checking or my savings accounts ( 2 ) why are they still open not closed.
Consumer complaint received 2023-05-11
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. (GA)

I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each report?
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

CONVERGENT OUTSOURCING HAS BEEN CALLING ME FOR OVER 2 MONTHS TO COLLECT A DEBT ON BEHALF OF XXXX FOR XXXX XXXXXXXX XXXX..OK I SPOKE WITH THEM ON XXXX XXXX2023, EXPLAINING TO THEM I'M HOMELESS, NOT WORKING, IN XXXX..I ASKED FOR A DISCOUNTED PAYMENT TO CLEAR BILL, SO IT CAN BE SETTLED..THEY AGREED TO THE SETTLED AMOUNT OF XXXX THEN I ASKED HOW LONG WOULD IT TAKE FOR IT TO BE REMOVED FROM MY CREDIT REPORT.. CONVERGENT OUTSOURCING TOLD ME IT WAS XXXX TO REPORT TO CREDIT BUREAU TO HAVE IT REMOVED ..OK, I CALLED XXXX ON XX/XX/XXXX XXXX TODAY, 2023, ONLY TO BE TOLD THE BILL ISNT SETTLED, AND I STILL HAVE A BALANCE OF $ XXXXTHE ORIGINAL BILL WAS {$260.00} THEY PLACED INTO COLLECTIONS..I SETTLED WITH THESE LIARS CONVERGENT OUTSOURCING, BY PAYING {$150.00} AS AGREED, NOW THEY ARE SAYING ITS XXXX I NEED TO SPEAK TO ... THIS IS NOT RIGHT..IF THE ACCOUNT WAS SETTLED FOR {$150.00} WITH THE COMPANY XXXX USED FOR COLLECTION, WHT AM I BEING TOLD BY XXXX THAT I STILL OWE THEM A BALANCE, WHEN THE MONEY WAS COLLECTED THROUGH A COLLECTION COMPANY .... XXXX AND THAT COLLECTION COMPANY IS DOING DIRTY TRANSACTIONS WITH CONSUMERS AND DON'T CARE .... CONVERGENT OUTSOURCING ARE LYING TO CONSUMERS THAT THEY ARE SETTLING ACCOUNTS WITH YOU ON BEHALF OF THESE COMPANIES, ONLY TO FIND OUT THEY ARE LYING AND REPORTING FALSE COLLECTION INFORMATION TO THE COMPANIES THEY ARE BUYING THESE ACCOUNTS FROM ... .THEY TOOK MY {$150.00} TO SETTLE XXXX ACCOUNT OF {$260.00}, ONLY TO FIND OUT THE ACCOUNT ISN'T SETTLED WITH XXXX... I HAVE COPY OF RECEIPT FROM BOTH COMPANIES..ITS FUNNY IT DOESN'T SHOW AS A SETTLEMENT ON EITHER XXXX OR CONVERGENT OUTSOURCING EMAIL OF RECEIPT...
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023 ; XXXX XXXX XXXX internet service was disconnected at XXXX. I called XXXX XXXX XXXX  on XX/XX/2023 to make a payment. However, I was unable to do so because I given the balance for my XXXX XXXX XXXX wireless service in the amount of {$170.00} which I paid on XX/XX/2023. I asked the XXXX XXXX XXXX representative if I could make payment for {$70.00} ( monthly payment ) and scheduled a payment arrangement for XX/XX/2023. I was told, no I have to make the full payment in the amount {$170.00} because my service is disconnected. My XXXX XXXX XXXX wireless phone is XXXX. I told the representative my XXXX XXXX XXXX wireless is not disconnected. The representative stated to me, I receive partial internet only some websites I am able to get. Also, my TD checking account was charged too many times for return checks when I customers are given a grace period to deposit money to pay for transactions.
Consumer complaint received 2023-04-17
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. (TX)

Since the beginning of XX/XX/2022 I have tried to dispute the validity of the accounts on my credit report. I never gave this company written consent to disclose my information and also under know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (MI)

Credit karma advertised that i had outstanding odds of approval for a certain loan. So i clicked on the add and began the process. I was contacted but never told that I wasnt applying for the loan that I clicked on the credit karma website. They checked my credit which put a knock against me and told me i was approved for a few different options unfortunately none of them were the one I applied for. In fact they didnt even know what I was talking about completely unaware of the offers made to me by credit karma. It seems they have pulled the bait and switch scam. If the people in charge of paying the kickbacks to credit karma are aware of this scam then they too are a part of it and seem to be guilty of racketeering themselves.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.