davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second 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 XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-12
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX, XXXX, XXXX : Is reporting Capital One on my acct. I've demanded them to remove it because it's a business account that was never created by me, which also lead to other accounts in my name and on my Bureau, that aren't mine. Upon contacting Capital One they've stated, I needed to simply contact the 3 reporting Bureau 's and it would be deleted. However the Bureau says they won't remove this information. I've been fired from my career over this information being on my credit and denied home loans because it dropped my score by XXXX points. Plus the Bureau have my social first number as 5, which alerts lenders of my race based on the first number being a 4 or 5, so I've been told by a Bureau expert. 
I need these items removed from my report. 

Thank you
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX 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 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/XXXX, I discovered with great dismay that my credit history had been severely impacted by American Express due to a missing payment in XX/XX/XXXX. Concerned about this sudden negative entry, I immediately reached out to American Express via their online chat service to address and rectify the situation. Regrettably, after an exhausting two-hour conversation, during which I was transferred among eight different agents, I received no satisfactory answers or resolutions to my predicament. 

Through my interactions with the various agents, I discovered that the charge in question, totaling {$4.00}, was attributed to a credit card account ( XXXX XXXX XXXX, ending with XXXX ) that had been closed in XX/XX/XXXX. It was astonishing to find that a new charge appeared on this closed account after a period of over XXXX years. Furthermore, I was neither informed nor notified about this charge, which subsequently led to a missed payment reported to all three credit bureaus, resulting in a significant drop of more than XXXX points in my credit score. 

This situation deeply troubles me, not only due to the immediate consequences on my credit history but also because it raises concerns about the security measures in place at American Express. How was a charge made on a credit card that had been closed for such an extended period without my knowledge or consent? The lack of transparency and communication regarding this matter is disconcerting and demands an explanation from American Express.
Consumer complaint received 2017-04-24
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. (FL)

In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by  XXXX . As stated in prior complaints this company is very deceptive, I have been notified by  three  credit reporting agencies that my payments for the three months for forbearance are now being reported as 90 days late. This has tremendously brought down my credit score. I spoke with the Ombudsman from  XXXX  who assured me, as well as apologized 100 times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  XXXX  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from  XXXX   XXXX  and the undue   XXXX   of their practices is wearing on me. I think  XXXX  needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Consumer complaint received 2023-07-12
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. (MA)

I checked my credit report and found that some of the data were incorrect. 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 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 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 2023-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (FL)

Received email stating I had authorized a payment for a {$560.00} purchase I did not make. I called to dispute charge. They then said they needed to get into my computer to assist with refund/credit procedures. Once in my computer, he started the process for the refund. He had me complete a {$20.00} refund request to test that the connection was correct. That {$20.00} test immediately became {$2000.00}, which I believe he changed while in my computer remotely as I was not able to change or correct. So he demanded I obtain {$2000.00} worth of gift cards and take photos of the gift cards ( serial codes ) and send to him via text. He was then to refund the {$560.00} but claimed he could only send me {$2700.00} ( minimum amount his business account could give ), I would then have to get more gift cards to cover the difference between {$2700.00} & {$560.00}. He threatened me with putting my bank account on hold unless I did what he said. 
I sent him {$2000.00} of XXXX and XXXX gift cards, withholding the rest. He locked my computer and demanded {$500.00} to unlock. 

Email below : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : Thankyou for your order. XXXX XXXX We are thrilled to confirm the order you recently placed with us. Rest assured, our dedicated team is already hard at work, meticulously preparing your order to ensure it is delivered promptly and meets your expectations. As per the estimated delivery date mentioned in the order details, you can expect to receive your items on time. We take immense pride in providing exceptional customer service. If you have any additional requirements or questions about your order, or if you need to modify anything, please don't hesitate to reach out to us. Our friendly support team is always here and ready to go the extra mile for our valued customers like you. XXXXXXXX XXXX You authorized a payment of {$560.00} to XXXX, XXXX He said his name was XXXX XXXX, representing PayPal XXXX 
Phone number : XXXX
Consumer complaint received 2017-04-24
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. (TN)

I have attempted to get the information owed to me by law by account control bureau. I have asked them multiple times, to prove this debt is valid, Ive also asked for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I have contacted the company with no response, I have made a cfpb complaint, with no response, and made a better business bureau complaint, and they responded, but when given the information they requested, did not respond with the information required of them by law. I have also disputed with the main credit bureaus, who have stated it meets fcra  requirements. They are breaking the law ( Fair Debt Collection Practices Act, 15 USB 1692g Sec. 809 ( b ) ) I am enclosing a copy of the BBB complaint ( BBB CASE # :  XXXX  ),  a copy of the original cfpb complaint. (  XXXX  ). Please also see complaint s (   XXXX ,  XXXX ,  XXXX  ) That was sent to the credit bureaus in regards to their dispute practices.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (IL)

I leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, Illinois on XX/XX/XXXX. When I leased this I did so in order to get the {$7500.00} tax credit rebate from XXXX that was not available if I purchased it. This was super transparent with the dealer upon purchasing. The terms of the lease were to be favorable if I bought out the lease after completing the deal. In fact, there was discussion with the sales manager XXXX regarding money factor on the lease and how it was important, I explained I did not intend to take the lease to term so the money factor was not important and she agreed. When talking through the contract with the finance manager at the dealer, I specifically asked with my XXXX as a witness that if I was to buy the car from the finance company immediately after purchasing what the cost of the car would be - the capitalized cost plus the early termination penalty or the cost of every lease payment plus the depreciated cost at the end of the lease. The finance manager looked at me square in the eye and said that the cost would be the capitalized cost not the cost of every lease payment. The issue of course is that if I had to pay the cost of every lease payment upon early termination then I was paying for the lease financing I was not taking advantage of. When I went to buyout the cost of the car, it was explained that it was the depreciated cost at the end of the three years plus the cost of every lease payment, exactly the opposite of what I had negotiated with the dealer. They lied to me as I was signing the paperwork. I attempted to contact the dealer and XXXX with no resolution. The dealer refused to acknowledge what they had told me during the process and they could not help. Other dealers are refusing to buy it back for a fair price that they can get via the XXXX XXXX XXXX. What I am looking for is for XXXX to take back the car. I am done with them and their deceptive dealers. XXXX XXXX should be ashamed of itself, and so should XXXX for having dealers like that.
Consumer complaint received 2023-07-12
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before  XXXX  I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on  XXXX / XXXX /  XXXX   so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day  XXXX / XXXX /  XXXX   discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a  Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Pursuant to : 15 U.S. Code 1692c, The Law clearly states : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer. ''
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (TX)

I submitted a dispute to Experian on XX/XX/XXXX and uploaded documents to support my dispute, On XX/XX/XXXX central time, XXXX minutes after my dispute, I looked at my report and it said Dispute Updated ..... THEY DID NOT INVESTIGATE MY DISPUTE .... according to the Fair Credit Reporting Act, that is breaking the law.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

Debt Collector : Sequium Asset Solutions , LLC On behalf of XXXX for {$100.00} Reference XXXX I cancelled the account my XXXX XXXX and paid in full in XX/XX/2023. 

I asked for the confirmation from XXXX but they did not provide me with confirmation. They kept calling billing me and I called again in XXXX, XXXX and XXXX. Each time they said they will remove the billing.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. They must follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}.
Consumer complaint received 2024-10-22
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. (CO)

I sent a letter to XXXX on XX/XX/year>, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to all three credit reporting agencies. I informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : '' The FCRA prohibits furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over well over 60 days ago and this account needs to be removed off my credit report.

The company is also in violation of Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report Ive also attached the returned envelope that proves they provided the credit bureaus with the incorrect address.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TX)

Around the date of XX/XX/2023, I began receiving emails from the company Chime welcoming me to the company and informing me that I can begin sending my payroll to a Chime account. I have not signed up for this service nor have I previously had an account with Chime. For approximately four/five of the emails I received, I selected an option in the email indicating that I did not authorize an account to be opened. I have not received a response from Chime regarding this situation.