davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, 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)

Approximately 6-months ago ( according to staff ), Experian had a software issue that caused data loss on two of my credit cards, and all my Boost self-reported accounts. As a result, my credit rating dropped XXXX overnight! 

I contacted Experian several times to no avail. I also contacted the issuing bank, and they confirmed to continue transferring data to Experian. I also disconnected, and re-linked the two missing credit cards to Experian several times to refresh the connection.

Experian confirmed to have both missing credit cards linked, but no data is being collected to show my on my credit history, and all my self reported accounts are still missing on the Booster history. 

Despite my many calls and complaints, Experian has neglected my requests, and has not made real effort to remedy the situation. It has cost me a lot of time, effort and loss of advancement opportunities due to my inaccurate low credit score. 

I last spoke with Experian agents this morning ( XX/XX/22 @ XXXX XXXX ) and was given the following case numbers XXXX ( XXXX XXXX and XXXX ( XXXX XXXX, but no real solutions to my problem. Please help, this has been going on for too long! 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
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. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all XXXX bureaus which i will include in this report.
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

i went through XXXX XXXX and got offers with different loan amounts & arp %. I spoke to XXXX XXXX XXXX XXXX. He said I was approved for a {$7600.00} personal loan with a 30.00 %. 
I told him about the loan offer I chose. 
" The loan offer I excepted online was {$2000.00} at a rate of 21.66 % '' He refused to give me the Original loan but offered {$2000.00} at 30.00 % and I refused it and they hit my credit score so NOW I can NOT get a loan anywhere!!!!! I wanted loan to LOWER my interest rate no raise it!!!!!!!!!! 
THIS IS WRONG!! 
Will there be anyway to repair the damage they did to my credit???
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EPA USA INC (TX)

A company by the name with EPA USA has been calling me and my wife daily requesting us to relay a message to someone with the same last name. I have called the office twice and spoke with someone by the name of XXXX XXXX who claimed to be a supervisor and promised that my information would be removed from their call list. About an hour afterwards my wife and myself both received phone calls again. This was the 3rd phone call today from them. The first caller got an attitude and proceeded to explain over the phone who I was and my address as if to tell me she knew who I was and where I lived. After asking her was the debt mine she hung up in my face.
Consumer complaint received 2024-08-22
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. (FL)

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-23
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXX XXXX  XX/XX/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 IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I moved out of my apartment on XX/XX/XXXX. I spoke to MGT at XXXX XXXX prior to the phone and confirm the move-out date as I had already given the written notice that I would be moving out. They are claiming that they didn't get a key back which would be true because they took it when they installed the ring door lock for me. They did not go check the apt to my understanding until XX/XX/XXXX or XXXX which is when they claimed I moved out and attempted to charge me for it.
Consumer complaint received 2023-07-28
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. (CA)

My credit report is showing late payments to XXXX BANK XXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX Furnishers ] customer service representative.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MI)

I contacted Chase customer service on XX/XX/XXXX regarding an issue with my first billing statement cycle because I was approved for my credit card on XX/XX/XXXX and Chase closed my statement cycle on XX/XX/XXXX, which is only 26 days, where as it should have been 28 days, per Chase 's standard operating procedure. The Supervisor I spoke to XXXX at the XXXX XXXX, TX location understood my issue but said there was nothing she could do and it would have to be handled by the back-office. She asked if I'd like a call back from the back-office or a letter of their determination, I requested a call-back and she said I would be receiving a call within 7 calendar days. I called back on XX/XX/XXXX and requested a supervisor and an update on my back-office support, I spoke to XXXX again from the XXXX XXXX XXXX TX center and she said they sent a letter of their determination and apologized they did not call as it was noted in my account. The ref # was XXXX for the back-office issue. XXXX said she could not see the letter but said it was noted that it was clear in my term and conditions of my card of when the statement cycle would close and details of that was mailed to me. The letter I received stated nothing about the terms and conditions, and it referenced a different credit card and said my XXXX XXXX night was issued in XX/XX/XXXX. My XXXX card has a different XXXX last numbers, so they looked at the wrong account. This is specifically why I asked to have them call me because every occasion I call they do not understand the basis of my complaint. This is just a tactic of Chase not wanting to resolve or even work with a loyal customer.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to you regarding a concern with my account. While attempting a purchase at XXXX for {$630.00} on XXXX and some odd cents, I was informed that the charges were not accepted. The customer service representative tried three more times. Said person informed me to contact the card provider. To say that I was embarrassed is an understatement. I called and I talked with a Capital One Customer Service Representative whom had me verify all information on the account, he then sent me a code to my cellphone at XXXX, code XXXX, and then stated that the issue was resolved. Prior to this I have a history of making large purchases, most recently Menards for {$2700.00}, as well as other large purchases to a Law Firm. I recently on XXXX made a payment of {$3000.00} to pay off the card, and there is a zero balance. That said, this Customer Service Representative stated that the issue was resolved and to attempt the purchase again. I did so, and it was rejected again, I was informed again to contact the card issuer again as the purchase was declined. The calls Capital One started around XXXX XXXX. When I called back, a Capital One employee demanded that I send a copy of my drivers license and or state id via a secure link that he would email to me. I refused, given the amount of identity theft that is prevalent in the United States, I was not comfortable with this at all. I stated that I did not need to do that open the account and I would not do so now. I offered to verify any and all other information on the account, charges, recent payments, any demographic information, again he demanded that I comply. The call was then disconnected. This request seemed categorically out of the ordinary as if there was not a state issued identification card used to open the account, then this verification would be null and void ; there is nothing to compare it to. 

My account has a zero balance, it is currently locked, and will not accept any charges. This is ludicrous, and not acceptable. After verifying all demographic information, social security information, and a one time security code sent to my cellphone, it is still locked. Demanding that I send a picture of my state issued id, is not acceptable.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America visa credit card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ref # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX and XXXX working in XXXX, MN on those dates. Multiple charges made by XXXX and XXXX in XXXX on same dates. Not our charges nor were they authorized by either of us. 

See attachment for details and dates contact made to resolve.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, Capital One bank initiated a two-day early direct deposit for my checking account without my prior knowledge or consent. When I called the bank to determine why my direct deposit was two days early, I was informed that my account qualified for the new program and I was told that every two weeks, I would receive my direct deposits on Wednesdays instead of Fridays from now on. In early XXXX however, I began having issues with not receiving my deposit on Wednesday mornings as I previously had been and the deposits began arriving later in the day, or even the next morning. I called the bank several times and was told there was no guarantee with the two-day early direct deposit of which day I would actually receive my deposit. It could be Wednesday, or Thursday or Friday. After several weeks of inconsistent deposits, they did get back on track and arrived in my account each Wednesday afternoon. Today, XX/XX/XXXX, my normal payday, I have not yet received my direct deposit and was just told by a " manager '' of Capital One that IT is aware of the issue and can't do anything. I may receive my deposit by end of business day, or it may be tomorrow. 

Capital One has had nearly a year to detect and resolve this issue, and has failed to do so. It is not right that they are making customers wait more than their allotted pay periods and they are messing with our livelihood. It is not fair that I have to wait more than two weeks to get paid because Capital One has IT issues.
Consumer complaint received 2022-03-23
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: National Credit Systems,Inc. (TN)

On XX/XX/2022, I opened a dispute claim with XXXX and XXXX for the creditor. The XXXX XXXX XXXX XXXX XXXX XXXX. The amount they are charging is incorrect. We moved out on the dates that they are charging for. My husband disputed the claim on his credit report. It is not on his credit report. I was a joint owner. My husband disputed the claim first. I was not aware that the claim was on my credit report as well. I am not sure why this amount is on my credit report if it is not on my husbands and he disputed it. I provided evidence from the apartment manager at the time stating that we ( my family and I ) moved out of the apartment complex before the dates they are changing us. I called XXXX and they were of no help. The letter from the apartment manager at the time should've been sufficient for removing the claim off my credit report. It is not on my husband 's credit report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (WA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2022-03-23
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. (TX)

Today is XX/XX/XXXX and I received the attached XXXX XXXXXXXX XXXX XXXX ( XXXX ) letter dated XX/XX/XXXX supplying documents they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not copy of contract that took XXXX more than two months to send in the mail. But perhaps XXXX is a 3rd world country because they treat the american citizens that way. I requested the permission used in XX/XX/XXXX to access my credit report to prove it was a fraudulent loan. Also received today is a Fraud letter requesting more of personal information in addition to my credit report that they didn't have any rights to access in XX/XX/XXXX. Perhaps XXXX is a 3rd world scam to collect more of american 's private information to steal. After 5 years of this, XXXX needs to be talked to like an uneducated 3rd world stealing country.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Multiple letters have been sent out to Equifax Credit Bureau. Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (FL)

My attorney yet again recommended me to do this. I have been dealing with this company since XXXX XXXX. XXXX which was a dispute for an XXXX XXXX transaction on XXXX XXXX in the amount of {$380.00} that was taken from my card. So I contacted Albert via text and they said Hi, we reviewed the transaction issue you reported. The transaction was authorized at the time it was initiated, so it is not eligible for credit from Albert. Please work directly with the merchant to resolve the issue. Let us know if you have any further questions.

So after that I told them they cant limit the disputes. I requested for their legal team information but they refused.

So days later I file a XXXX  complaint against Albert and submitted a screenshot of the response I got from XXXX which XXXX said Based on the details you provided we recommended you to contact your financial institution and initiate a chargeback. 

We can not do anything once funds are taken from your card. Even if it is Unauthorized or the funds do not properly transfer. 

We are sorry we couldnt be more of assistance to you. 


Yet still after that Albert even refused through XXXX.

So now were up to this point t where Im filing this complaint in hopes to have Albert reimburse these funds that were removed.

There are many banking regulations they must follow and if after this complaint they dont give me a right to file my dispute and end up having my dispute to be rejected in a sense of time frame then they should know this complaint and as well the XXXX  complaint and all correspondence I had with them will be used in court when I give my attorney they green light to proceed further with litigation which not only will Albert have to give back my funds but they will be paying me back court fees, attorney fees and as well any damages that me occur even if that is on a financial level.
Consumer complaint received 2023-07-28
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: Global Lending Services LLC (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.