davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i sent identity theft reporty on XX/XX/XXXX to have enquiries removed that were due to identity theft but transunion refused to remove them i mailed, faxed emailed and did everything but they kept lying stating they had not received the mail was sent certified.i sent last certified, mail on XX/XX/XXXX, i tried to work with them but they did not assist me at all.They are reporting inaccurate information,15 USC 1681XXXX : Compliance procedures, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Steel River Systems, LLC (FL)

When reviewing my XXXX credit report in XX/XX/year>, My score dropped from over XXXX to XXXX because of an unpaid {$850.00} collection to : STEEL RIVER SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX based on an account from : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never had a XXXXXXXX XXXX Credit card. I haven't taken out any new credit in a couple of years. A couple of years ago, someone tried to collect a charge to XXXX that I never made. The address on the account was in XXXX FL. I live in XXXX FL, over XXXX miles from XXXX. I thought I straightened it out with the credit bureaus. 

I don't know if this new collection is the old XXXX charge or a new identity theft charge. I tried to call Steel River Systems and XXXXXXXX XXXX but they won't return my calls. XXXX will not take the charge off my credit report until I fill a report with this office. 
Thank you for your help.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The XXXX credit report states that the account is closed but does not indicate the date it was closed. The report states that 99 months were reviewed, but there is no data available for the years XXXX  through XXXX. The account is reported as being closed with an available credit balance in the amount of {$17000.00}. The report shows the account was opened XX/XX/XXXX and has been open for 17 years 11 months. If the account was opened for 17 years and 11 months from XXXX it would still be open today ( statement is mathematically incorrect ). The report shows that the account was charged off but does not indicate the date it was charged off. Capital One does not report the date that the account was closed which would allow them to report this account indefinitely. Capital One reports that the customer requested the account be closed but does not include the date this request was made. Please have Capital One provide proof that that the customer requested the account be closed and that they currently own the debt. Also please have them explain why they state that they reviewed 99 months but only reported 3 years. If 99 months was reported, it would show that the account was never late during that time period. Please have them explain why my account was referred to a debt collector in XXXX when the first delinquency didn't occur until XX/XX/XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference numberXXXX XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NV)

I received four Virtual Cards from American Express Rewards for answering surveys and playing games on XXXX XXXX. The amounts were four cards at {$5.00} each, so {$20.00} total. I have not been able to use these cards anywhere. I have tried major stores, XXXX, XXXX, and gas stations, food places and also XXXX XXXX. I have tried vending machines to, and used the card where my regular banking card works, but these virtual cards just will not work, and I get a notice saying, something like, invalid card. I have talked to American Express and they say to use this card at another fast food place, which I tried and they still don't work. I call them back just to be put on hold for hours. I also told XXXX XXXX about this and they just refer me back to calling American Express XXXX Rewards XXXX which I have already called several times. I got these cards in XXXX of XXXX and they expire at the end of this month, XX/XX/XXXX, as the date on the cards are good for 6 months, but the cards are not even good for one  day! I've asked American Express for my money given to me in another form and I have asked XXXX XXXX  that to, only to be put on hold and then a rep doesn't get back on the line.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NJ)

The company NATIONAL CREDIT ADJUST has attempted to collect a debt. I have never done business with this company. I have made attempts to have the account removed from my credit report and it has not been removed and is negativing impacting my credit.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

All three credit credit bureau. Please correct all information atleast on personal information. 
Attached is 3 credits information. 

there should be only ONE NAME, ONE Address, ONE DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt on Court of law. I dont think FCRA or FTC can bends you hands
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DC)

Per XX/XX/XXXX, I received a notice from NELNET/Department of Education that I received a total and permanent discharge of my student loans ( TPD ). This is not accurately reflected in all three credit bureaus. When I disputed the claim with XXXX in late XXXX, for example, XXXX returned information saying that it was accurate. 

Further, my account with Nelnet is reflecting a past due balance and after repeated communication, they have not responded or resolved the issue. 

Something is wrong with their system and it is costing me money. Thank you.
Consumer complaint received 2024-01-22
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. (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my XXXX loan accounts is a violation of my privacy which I did not authorize.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, my credit card statement was credited with an {$880.00} payment. I didn't recognize this payment. 
On XX/XX/XXXX, I contacted Capital One to alert them to this problem. I asked them where the payment came from, and Capital One told me that it came from a third party payer service and didn't have any further information. They assured me it was a legitimate payment and that I needed to take no action. 
Without any further contact on this issue, the company suddenly reversed this payment on XX/XX/XXXX, nearly XXXX months after I first contacted them. They did not warn me this was going to happen, nor did they make any explanation for this. When I called them, they insisted it had been an erroneous payment all along and had notified me that they were going to charge back the payment. 
They had not contacted me, nor had they sent a letter. They sent me a letter - dated XX/XX/XXXX - only after I contacted them to ask about the {$880.00} charge back. 
This was an accounting error on Capital One 's part, and when I first contacted me they assured me that the payment was legitimate and that I needed to take no action. 
I made a good faith effort to resolve the issue when it happened. To now suddenly be charged these funds, after being told they were a legitimate payment, is unfair and appears to be a violation of the XXXX.
Consumer complaint received 2024-01-22
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. (OK)

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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I applied for a credit card for CapitalOne XXXX. I was turned down for the following reasons given by XXXX : Time since most recent account opening is too short Length of time revolving accounts have been established Too few accounts currently paid as agreed Proportion of balances to credit limits on bank/ national revolving or other revolving accounts is too high Number of inquiries on credit report None of these apply to my account. I called CapitalOne. They said these reasons were based on the information XXXX gave to them and I should call XXXX. I called XXXX. They said it was based on the interpretation by CapitalOne. I have good credit!!! None of this makes sense, I don't know why I was turned down and I completely stuck in the middle with no one to help. 

I also intend to send this complaint to the senate " Consumer Protection, Product Safety and Data Security '' committee.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (VA)

There is a loan on my credit report from XXXX XXXX that I did not open or apply for. There is an inquiry date of XX/XX/year> and loan opened on XXXXXX/XX/year> for the amount of {$7500.00}. I do not have an account with this company nor did I apply for a personal loan.
Consumer complaint received 2024-01-22
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. (FL)

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 2023-01-03
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX  Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (GA)

On XX/XX/2023, I had my car repaired, and I took a loan from Koalifi, who is DBA West Creek Financial. I borrowed a total of {$3500.00} and have paid a total of {$2600.00} to date, when I contacted the company to pay the debt off, they said I could pay it off with XXXX, which is in addition to the {$2600.00}, I have already paid. This is predatory unfair loan practices. I was supposed to pay the XXXX in 90 days to avoid the excessive fees, but I didn't have the money because my mortgage had doubled due to an increase in property taxes.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (DC)

I had a credit card debt with XXXX XXXX XXXX that went into default for XXXX, the account went into collection and was bought by XXXX XXXX XXXX, XXXX, then Halsted brought the debt for the same amount. Halsted sent me an compromise offer to settle the debt for {$320.00} to which I accepted and paid off. 

My account with Halsted # XXXX again was settled, I contacted them to make sure that they would contact all Credit Reporting Companies as this debt being settled and paid in full and have my a credit file updated as out of collections. 

Halsted looks like they only reported the XXXX and still leaving a balance on my report as outstanding, as I understood it that the offer would settle my debt and paid in full but it does not appeared that has happened. I contacted XXXX on XX/XX/ to open a dispute to contact Halsted to update this as paid and satisfied. 

On XXXX  I contacted Halsted Customer Service ( XXXX ) to get information that they would be contacted the credit reporting agencies to update this account as paid, Halsted informed me that they had no information or could not give me information regarding the status. 

If they bought the debt for XXXX and offered me a settlement of XXXX and I paid that offer I should not have this reporting on my credit file, otherwise I feel like this company did a bait and switch. 

I'm waiting for XXXX to finalize their inquired to my dispute of this, but wanted to also file a compliant with the CFPB.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc. (TX)

See previous claim. I disputed the charged off account. Their response was that the acct was not charged off, but it has been indicated as charged off AND written off via my consumer report. The consumer credit report does not equal the companys response. In addition, as a result of the dispute the payment history was updated to past due over 30 days ( currently ), tarnishing my credit worthiness more. 
This is yet another violation. It was charged off-written off more than over a year ago. 
I am adding XXXX XXXX to this claim as they reported the same ( past due ) and its been written off, charged off.
Consumer complaint received 2024-01-24
Product: Credit reporting 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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (AL)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
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: TRANSWORLD SYSTEMS INC (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried a numerous amount of time to get these accounts removed. Let alone my information was in a data breach with XXXX and XXXX some months ago and I thought you guys would protect my consumer report. I do not feel my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am so upset and disappointed. These inaccuracies are causing me not to be able to purchase my first home. Im depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is illegal these companies should NOT be furnisher peoples information to 3rd party companies this is illegal, neglect, and fraud. I have already reported this to Federal Trade Commission. These companies and the Credit Bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel you database is inaccurate and I am filing ligation against this if these item arent removed immediately