davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (AZ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few accounts on my report. Any accounts reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

On Friday, XX/XX/2022, I purchased a Vanilla Visa Gift card in XXXXXXXX XXXX  I loaded {$290.00} on it and intended to use it for our trip to XXXX XXXX XXXX. I was only able to make 3 small purchases with it all totaling no more than {$45.00}. This was due to a fraudulent charge to a clothing company in XXXX for {$250.00}. I immediately contacted the customer service number on the card and was told that I could not start a dispute until AFTER the charge was no longer pending. I asked to speak to a supervisor who told me that she could not stop the charge or dispute it until after the thief successfully stole my money. And then I would have to call back to start the dispute which could take 7-15 business days to complete. And I would only receive another card if they determined that I did not make the charge. I purchased the card in XXXX it was physically used in XXXX. The fraud was committed at a store in XXXX. So I waited for the charge to no longer be pending and called back. The employee I spoke to this time told me that I couldn't dispute the charges for an additional 45-90 days as they waited to see if the money would be returned to my card. I told them that the thief i snot going to return my money and advised him of what I was told by a supervisor the previous day. Also, since speaking with the supervisor on XX/XX/XXXX, I am no longer able to check the status of my card online nor am I able to use their automated services. The online site tells me that there was an error with the system and to check back at a later time and the automated service says that there is something wrong with my card and I would have to speak to a customer service rep. And also, when I called the second day, I asked to speak to a supervisor again and was told that one wasn't available to speak to me and that they would tell me the same thing. I just want another card issued with the {$250.00} that was stolen from me. I went through their chain of command and made several attempts to resolve this issue the way I was instructed. I'm not asking for anything other than what was stolen from me.
Consumer complaint received 2022-10-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by PORTFOLIO RECOV ASSOC. While checking my credit report, it came to my notice that PORTFOLIO RECOV ASSOC has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by PORTFOLIO RECOV ASSOC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX 

Any further contact by your Agent or PORTFOLIO RECOV ASSOC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc. (MN)

I received a default notice from Clear Recovery claiming that I owe {$390.00} to the creditor XXXX XXXX. I have no idea what this about. I googled XXXX XXXX and that name is not exist
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One - XXXX applied for the XXXX XXXX that has a {$200.00} bonus after spending {$500.00} or more. There were 3 options, this one, one with an annual fee, and one regular card with no bonus or benefits. I applied for the {$200.00} bonus card as I have done many times before with banks. I have never been declined for these cards before. Sometimes I get a high limit, sometimes a low limit. But I have never been declined for a credit card with bonus points. I have excellent credit and income as well as investment assets. I received a decline notice and they offered me the regular card with no bonus. I don't want that card, and never would have applied for that card. I know I'm not a bad credit risk and nothing in my credit profile would say so. I received a decline letter after inquiring directly with customer service, since they did not provide me any feedback. The decline letter states " too many new revolving accounts ''. This isn't a legitimate credit risk. What this appears to be is a way to bait and switch by giving me a card that would not cost them the {$200.00} bonus they advertise and instead give me a basic card that doesn't cost them the bonus rewards that are promised. I would bet that this is a common tactic and there may be thousands of other consumers like me who have perfectly good credit but are denied after being enticed into applying for an offer. I have never seen these reasons for declining a credit request in my entire life, and I have worked in consumer finance before. It is almost an admission that they know I have other cards and would not be using theirs as much as they would like to offset their cost of customer acquisition. But that is not my problem, they should not advertise the rewards if they don't want to pay.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (NY)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$26000.00}
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (IN)

I purchased a 2 money orders amounting to {$4100.00} from PLS CHECK CASHERS XX/XX/XXXX WITHIN 20 MINS OF PURCHASE I RETURNED TO THE LOCATION PAYED ADDITIONAL {$30.00} TO STOP PAYMENT TO THE MONEY ORDERS THE LOCATION MANAGER MADE A ERROR WHILE SUBMITTING THE STOP PAYMENT AND PLACED A HOLD INSTEAD OF THE STOP PAYMENT AS REQUESTED WHICH THE HOLD WAS THEN LIFTED 7 DAYS LATER WITHOUT MY KNOWLEDGE AND ALLOWED THE MONEY ORDERS TO STILL BE CASHED WITHOUT MY CONSENT I WAS TOLD I WOULD RECEIVE MY REFUND WITHIN 30 DAYS VIA MAIL ITS NOW 5 MONTHS LATER AND PLS CHECK CASHERS HAS NOT RETURNED MY FUNDS NOR HAS GIVEN ME ANY OTHER OPTIONS TO RECOVER MY FUNDS THEY WONT COMMUNICATE RETURN EMAILS CALLS I WOULD LIKE ASSISTANCE RECOVERING MY FUNDS MY FAMILY IS FACING A FINANCIAL HARDSHIP AND CURRENTLY IN THE STAGE OF BEING XXXX
Consumer complaint received 2022-10-04
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: LEXISNEXIS (GA)

I conduct a investigation with LexisNexis concerning the bankruptcy account they report to XXXX XXXX XXXX and after the investigation lexis nexis said that they remove them from their database I received a letter on XXXX XXXX state that they remove them from their database after their investigation. 

I reccevied a letter dated XXXX XXXX the did a investigation and verfied the bankruptcy were accurate and i need to reach out to the court. I been reached out to the court and do to the privacy act of 1974 the courts cant verify anything. 
Also i was part of the class action lawsuit were lexisnexis and reporting worng data. 

I also have attached the letters to the complaint
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXXXXXX UNKNOWN ACCOUNT # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NJ)

During our mortgage process with USBank, we received an initial disclosure where it showed our interest rate@ 5.5 % - With no rate lock. Date - XXXX/XXXX/22 We received another disclosure, with a change of circumstance letter that had absolutely no information, where our rate was 5.875 % without having to buy any points and the rate was locked until XXXX/XXXX/22. Date XX/XX/22 We received no information regarding what changed in our circumstance -- but we accepted this change in rate. 

On XX/XX/22 - We received yet another Change of Circumstance letter, where our rate was now 5.875 % but with us buying points in order to get there. Otherwise, the lender told us it would be 6.5 %. 

When asked why the rate lock was not being honored -- the Lender simply said " There was a technical glitch '' and that they were unable to honor it. It was a " Freak accident '' and only impacted my mortgage. There was no justification regarding my change of circumstance -- as our home had actually appraised much higher than we paid for it, and my credit score DRASTICALLY improved since their initial check. 

Asking for more detail, our lender failed to respond, and was incredibly difficult to contact. Evasive. Ultimately, the best they were willing to do was get us to 6.125 %. Arbitrarily. 

I contacted my attorney and they said that this was something they had seen several times before, where a lender would " Float '' the rates, and hope it would benefit them. Meaning the market rates would drop, and I'd be stuck with 5.875 %. In this case, the rates went up, and they didn't want to eat the difference, and pay for the points themselves. 

The lease on our current apartment had expired, and we had no choice but to move ahead with the process -- coupled with the fact that the mortgage rates were continuously rising -- this incident is going to cost me tens of thousands of dollars over the term of the loan. The lender was completely in the wrong, admitting so numerous times, but only offering that " Theres nothing we can do ''. 

Others I have spoke to urged me to contact the CFPB to help make this right -- as it has made the beginning of my homeowning experience incredibly disheartening.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my report, the incorrect information was still found in my Equifax reports which I believe have been taken care of due to the written appeals I sent. I've contacted the account listed & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting its examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. The account that should be corrected is : XXXX  XXXX
Consumer complaint received 2024-10-29
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DE)

Purchased new windows from XXXX XXXX ( Delaware ). Following installation on XX/XX/XXXX, the {$12000.00} remaining payment was charged to my XXXX XXXX credit card. It was previously arranged that the {$12000.00} be charged to my Home Depot credit card, giving me 24 months to pay with no interest charged. Have tried for 9 days to rectify the situation. Have had numerous phone calls to XXXX XXXX customer service to no avail. Have been forwarded to one office and then another then hang ups. This situation is totally the fault of XXXX XXXX. Yet, they take no responsibility. This transaction did not occur in a store but instead online. I have no store to complain to. 
In conclusion, I want the {$1200.00} charge OFF my XXXX XXXX and onto my XXXX XXXX credit where it is supposed to be. 
Incidentally, I never gave approval to XXXX XXXX to charge my XXXX card!