davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
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. (PA)

I am writing about multiple issues, the first began in XXXX of XXXX, when I submitted the XXXX company to Experian Boost,  so I would be able to get a boost with my credit. It worked only one time when I was able to get a boost after submitting my XXXX XXXX  information. However, in XXXX and thereafter I did not receive another boost to my credit for XXXX, even though I continued to pay my bill and XXXX continued to report my monthly payments. Experian later told me that sometimes the boost works and sometimes it doesn't work for certain companies. But the fact of the matter it had worked for XXXX before, why it stopped I don't know? 

Next, I tried to submit my XXXX bill for boost back in XXXX of XXXX as well, but I was told that the XXXX bill would not be able to be accepted with boost at that time. So I continued to contact Experian credit bureau to see if they would accept my XXXX bill, but kept being told that my XXXX bill could not be accepted. Which ultimately caused me to lose points with my score. They also have not been updating their information about accounts. The last update was back on XX/XX/XXXX. 

Lastly, I received a decrease to my score at the end of XXXX. This was due to inaccurate information being placed on my credit information. I received a decrease because it was reported that one of my credit card accounts had closed, when in fact the card had changed ownership and switched to another account. But the card had never closed. Experian never fixed or recredited my account for those loss points. Then recently I received a 21 point decrease to my credit score, this coming after being told that the government would see to it that people credit would not be effected during the pandemic. However, my score decreased significantly for reasons unknown to me. According to the website of Experian, I had been making my payments on time and not using too much credit, doing a good job overall. But yet and still, my score took a big hit. When I asked Experian about the decrease, I was told that they could not tell me why my score was decreased. This to me is completely absurd!
Consumer complaint received 2023-03-10
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This letter serves as a plead to remove the late payments on my account for XX/XX/2019, XX/XX/2019, XX/XX/2019, and XXXX XXXX was laid off from the ending of XX/XX/2019 to XX/XX/2019. Due to these financial struggles I couldn't oblige to my credit card payments. I have been a faithful customer with capital one for some years now and I called in to explain my situation during these rough times. Once I got back to working, I resumed payments and paid my account down in large sums. As of now these late payments in the past is affecting my credit and preventing me from getting a home, I called the company recently and customer service told.me they can help me if I send in a letter stating my case. I sent in a letter but I am yet to hear a response on this case.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

On XX/XX/XXXX, I opened a discover account ( XXXX ) with a XXXX dollar credit limit.I have used this card many times and payed it off many times.My last payment was on XX/XX/XXXX, paying off card.From XXXX, I havent used the card for any purchases and kept it for future use.On XX/XX/XXXX, I woke up with an email from Discover saying that my account was closed for : Inactivity on your account ( s ) Serious delinquency Proportion of loan balances to loan amounts is too high Also, it states in that email the key factors are : 1. serious Delinquency 2. Proportion of loan Balances to loan amount is to high 3. length of time 4. Too few accounts currently paid as agreed 5.Number of credit inquires on credit bureau I disagreed with all these key factors and why it was closed.I feel these key factors and why they closed the account is a lie.I believe its because of the current coronavirus pandemic and discover is closing many accounts.I have other credit cards with other companies, that i paid off on XX/XX/XXXX and they didnt close my account ( s ) .I know credit card companies can close accounts at anytime.Also, in my XXXX  credit report dated XX/XX/XXXX file number XXXX, my credit score is way over 700.In the discover email dated XX/XX/XXXX, it states my credit score is XXXX.That score is false discorver provided.I called discover on XX/XX/XXXX at XXXX and spoke with XXXXShe stated my credit card was closed because of Inactivity on account.I asked XXXX to reinstate my card and XXXX stated i will have to re-apply.I asked XXXX, if this account was closed because of the Pandemic and she would not responsd to that question.XXXX  also stated to contact XXXX  if i have any concerns about my credit report and discover email.I totally disagree with discover closing my account.I believe Discover treated me unfairly.
Consumer complaint received 2023-03-03
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)

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
As the original creditor, I demand : Account # XXXX XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX Otherwise, this will cause greater damage.
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (KS)

I received a letter from Phoenix Financial Services stating i owe {$1400.00} XXXXXXXX XXXX XXXX XXXX  to a company named XXXX XXXX XXXX XXXX. I have no business dealings with either of these companies and it seems suspicious and deceptive considering this company has several lawsuits that show the company is a repeat offender when it comes to consumer rights. This company and all subsidiaries Shall cease and desist all communication with me other then to provide me ALL tracking and FULL DISCLOSURES pertaining to the alleged debt BY Certified USPS MAIL. Please provide me the services that were rendered in relation to this alleged debt.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. I have reviewed my credit report and have noticed several inaccuracies that I believe are negatively impacting my credit score. The following accounts and inquiries are the subject of my dispute : XXXX XXXX Charge Off Account XXXX  XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX XXXX I dispute the above items for the following reasons : First, the XXXX XXXXXXXX Charge Off Account is inaccurate. I have never had any business or financial relationship with XXXX, and therefore can not have a charge off account with them. 

Second, the inquiries made by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX are inaccurate. I did not authorize these inquiries and have no knowledge of them. 
Third, the inquiries made by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, as well as the inquiry made by XXXX on XX/XX/XXXX, are also inaccurate. I have not applied for credit with any of these institutions, and therefore should not have any inquiries on my credit report from them. 
I request that you investigate these inaccuracies and remove them from my credit report. I also request that you provide me with a copy of the revised credit report after the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 
XXXX : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies provide accurate and complete credit reports to consumers. Inaccurate information can negatively impact a consumer 's credit score and ability to obtain credit. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request that it be corrected or removed. Failure to comply with the FCRA can result in legal action against the credit reporting agency. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation (ID)

I and my husband took out a vehicle loan in my name from One Main Financial in XX/XX/2020. The original loan amount was {$11000.00}. 
As of XXXX I owe more than the original amount of the loan, the current balance is {$11000.00}, more than the original amount loaned, with {$400.00} monthly payments. 
Per One Main Financial, I have paid {$7300.00} on this loan and still owe more than I did when I signed for it. Again the original amount was {$11000.00}. Even with interest and 3 deferments, one loan modification, to owe more than the original amount of the loan seems predatory to me after nearly 3 years of payments. 
One Main Financial claims the reason I owe more than the original amount lent for the XXXX XXXX XXXX is due to insurances such as unemployment insurance which I have to wait 30 days from separation of a company to enact and the deferments above mentioned and the one modification. 
I disagree that this is fair. 
If I were to pay of the entire loan amount as of today I would have paid a total dollar amount of {$18000.00}. The vehicle is currently not operational either. For close to {$20000.00} I could have gotten a much nicer and newer and more reliable vehicle. 
The vehicle itself is only worth about {$5000.00} to {$7000.00} in working condition, which it is not. 
Even at a value of potentially {$5000.00}, I am upside down in this loan due to One Main Financials predatory and unclear lending practices by {$13000.00}. If I pay this off, I will have paid nearly 4 times the value of the vehicle if it were in working condition. 
Can you please review my case, I believe this is unfair and predatory and I will never be able to pay off this loan at this rate if I owe more than I began with nearly 3 years into a 5 year loan. 

Thank you for your time and considerationXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some inquiries that appear incorrect. Not only did I fi but I ALSO FOUND TONS OF INACCURATE INQUIRIES ON THE CREDIT THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation proving proof of my current address, social security card, driver 's license, and bank statement. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT inquiries FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE INQUIRIES FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE INQUIRIES DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE INQUIRIES THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 

XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-04-21
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 (TX)

On XX/XX/2020, I called Capital One about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it Capital One 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.
Consumer complaint received 2024-10-31
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. (TN)

I received a copy of my credit report, and I have found the following item to be an error. 

XXXX XXXX XXXX  OPEN DATE : XX/XX/year> - ACCT # XXXX XXXX  ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$32000.00} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Consumer complaint received 2023-03-06
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. (NY)

Pulled my credit report and noticed addresses and information on my report from FRAUD and ID theft that injured my credit years ago. 
I sent them letters 2 times and have made a report with CFPB and was asked to wait 60 days. The 60 days have passed and my report is still furnishing false information.