davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union XXXX - This debt is not valid. It was being delivered from a car dealership and the car never showed up. I do not owe this debt as I never took possession of the car.
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I found on XX/XX/2020 that a hard inquiry was made on my credit report given by Transunion. The hard inquiry made by XXXX XXXX XXXX, is an unauthorized inquiry. I have not opened, nor applied for any lines of credit in the past year. I want this hard inquiry removed from my credit report.
Consumer complaint received 2020-05-07
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. (CA)

On account XXXX XXXX XXXX appearing on Equifax and other bureaus that includes at least XXXX, EQUIFAX AND OR XXXX depicted false information, it appears by removing information, so the account is inaccurate AND incomplete.The result made a 2008 fico XXXX score into a fico XXXX score.They have taken a paid collection and made it appear as an open current collection.COMPLETE PROOF IS ATTACHED. 
THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY AS IT IS AFFECTING CREDIT TRANSACTIONS IN THIS DAY.
Consumer complaint received 2020-03-12
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: EQUIFAX, INC. (CA)

I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (OH)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent the attached letter to Equifax on XX/XX/17 requesting an investigation into unknown unauthorized inquiries that have been placed on my report. I have called these places listed and none were able to locate anywhere in their systems where I applied for or allowed my credit to be viewed. I received a response ( attached ) from Equifax that does n't indicate any result of their investigation even well past FCRA time frame allowed for investigation. These inquiries need to be removed. I have attached my Driver 's License and Social Security Card as well. Any name, address, social, or personal information that is on my report that does not match, needs to be immediately removed to be compliant. Thank you
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

On XX/XX/17 I sent communication to the company requesting that they validate the debt as I do n't recall having this account. Because of the possibility of this account being a product of identity theft, I asked them for a copy of the original business transaction that binds me to this debt ( Per Section 609 ( e ) of the Fair Credit Reporting Act ). 

The company proceeds to respond to me that they have verified the debt, provides a statement from the original company that explains how the charges were accumulated, however does n't show any original binding contract that I agreed to, which I am well within my rights to request. 

It is unfortunate that a company can not furnish the information requested, but is easily able to apply it to my credit report without any reasonable explanation. This has caused me time and money due to my attempts at purchasing a home with lower interest rates.
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (OH)

I am XXXX XXXX. I know for sure I am being CHEATED out of a decent credit scores due to MASS UNAUTHORIZED Inquiries that have impact my credit scores. These are inquiries made by companies with whom I have NOT applied for a loan or credit. I do not think its fair to ruin my credit score whereas these unauthorized inquiries remain on my credit file for up to 2 years. I need to know to whom do I contact to have mass unauthorized inquiries removed at once. I refused to be a victim of all credit bureaus that powers over their decision to leave these unauthorized inquiries on  my credit report when I have for the last 6.5 years has worked my XXXX off trying to maintain decent credit and or credit scores? and allow something to hold me back while trying to purchase a condo. 
I have spoke to a local attorney who has informed me that if I did not go into to these companies and or speak to any of these companies to authorized them to run my credit file then all fraudulent inquiries must be removed from my credit reports at once. 
I mean all credit reports. XXXX, experian & XXXX  asap. I have no ideal how these companies I am posting in this complaint got a hold of my social security number. anyways if its not me then all inquiries must be removed. I have also sent hard copy US mail & email process to United State Attorney General 's office, Congressman XXXX XXXX. This must stop it ruining peoples opportunities to better themselves. How can this happen if you have never been in their face and or phone call and or place of business
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2018 I checked my credit score with XXXX and my Equifax score had dropped 18 points, although my XXXX report had gone up by one point. So how does one report drop you 18 points while another raises your score? I called Equifax and spoke to someone named XXXX ( probably not his real name ) from the XXXX. We had a SERIOUS communication problem. When I ask why my score had dropped, he put me on hold for over five minutes. He came back and said that it was due to a XXXX bill that had been paid off A LONG TIME AGO. and he could give me no other explanation. He said that XXXX XXXX uses a different software than Equifax and that their scores may not be accurate. I asked him what was my score and he wanted me to pay him {$7.00} to tell him. {$7.00} for him to tell me my score? It is enough that our information has been compromised, but to charge me to find out my score is nothing more than a rip off. I am a XXXX veteran and a XXXX XXXX and I am trying to buy a house, using my VA benefits and this drop in score is hurting me. I am current with all my bill and have been for well over a year. I think that all three credit reporting agencies should be regulated by the federal government. They 've got too much power to hurt Americans who have served this country, only to be controlled by someone in another country. RIDICULOUS
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I consulted Citizens Bank website after being on hold for too long when trying to call them, and found that I would not be charged for a stop payment fee based on my type of account. I processed the stop payment and was then charged. When my wife called she was told that the account was a " different type behind the scenes '' -- whatever that means. Please see attached for proof of account type an, their web info that we won't be charged and the charge to my account.
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have the XXXX service thru my Capital One credit card. I have used it for years without incident. Today, I checked the site and my credit score had dropped by 22 points, with the website showing, under the section listing issues affecting my score, " Managing Real Estate '' with a further paragraph discussing a mortgage. 

I do not now, nor have I ever had, a mortgage. Nor have I applied for one. I rent. 

I called the phone # on the XXXX site and it turned out to go to XXXX, not XXXX, and they would offer zero information. XXXX said they were a completely separate and distinct company, and I'd need to speak directly to XXXX. I then called CapitalOne asking for a direct phone # for XXXX. I was put on hold, given the option to have a call back in an hour, and when they did call, was told to go back to the same website that had already mis-directed me. 

Obviously, I want an explanation for where the erroneous " mortgage '' information was obtained as it could suggest a fraudulent use of my personal information. I will add that in the years I've used the XXXX account, I have frequently checked my score, used their simulator feature, and also checked the listing referencing facts impacting my score. Until today, there had NEVER been a section discussing a mortgage or real estate. 

In short, the lack of response or availability of any information from Cap1 or XXXX is extremely frustrating. There should be some way to reach a person who can look into this false information and explain the source.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

DISCOVER closed my credit card account that is in GOOD STANDING, WITHOUT prior notice other than the email I received on XX/XX/2020 advising me it was closed, effective immediately. When I called the Portfolio Verification Department it was closed during business hours " because of a meeting. '' After 2 hours of constantly calling, I finally got someone on the phone, and they told me " there is nothing we can do, the account is now closed due to inactivity. '' The account has {$0.00} Outstanding Balance and my credit score is 710+. I've had this account for 10 years without ever missing a payment. How does this effect my credit score and who will be responsible for this? Their answer was to call the Credit Bureau.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Victim of Identity Theft. I already have a personal loan account with XXXX XXXX XXXX  ( XXXX ) and the account number is XXXX. On XX/XX/XXXX XXXX without my authorization transferred XXXX $ s to my XXXX ( XXXX ) credit card and XXXX $ s to some account in XXXX. I never heard this organization XXXX. I leant about this activity when XXXX called me sometime in XX/XX/XXXX. Then i started disputing. I did not even realize that they transferred XXXX $ s to my XXXX CC. Sometime in XX/XX/XXXX XXXX gave me XXXX number of XXXX. I called them, they searched their data base with name, SSN etc. and they could not find any. XXXX wanted Routing ID and first 3 digits of account which they did not give. I reported to XXXX   and XXXX and they closed this account. Equifax is investigating. Sometime in early XXXX i consulted a Lawyer. As per my lawyer 's advise, following good faith tender agreement made XXXX $ s as FULL and FINAL payment to XXXX as XXXX $ s came from them. Even though i did not authorize i made this payment and they accepted. They deposited the check. Now they are coming after me for the remaining XXXX $ s which they ( XXXX ) themselfs don't know where they sent.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX   XXXX {$420.00}
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX XXXX XXXX  accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX  XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.
Consumer complaint received 2020-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am submitting a complaint against Portfolio Recovery which is a third party company who has purchased an inaccurate collection list from XXXX XXXX. They are reporting to XXXX, XXXX, and XXXX  that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b.  for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.
Consumer complaint received 2020-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (MI)

On XX/XX/2020 at XXXX XXXX, I was sent an email by opp loans that said my loan was late. I promptly called them and told them that I have either paid early or let the system take the payment on time. I have always called prior to making an early payment without a problem. I talked to XXXX the supervisor as she was working from home and she said the system didn't record my payment and some employees recorded an arrangement for late payment on my account without my permission which is false and I want this investigated promptly.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MN)

I have a Citibank credit card. It stopped working without any warning on XX/XX/2020, which caused my wife and I social embarrassment when the card would not process at multiple merchants. 

I called Citibank to find out the problem and they refused to tell me what specific transaction is causing the potential fraud problem or why the bank stopped all access to my card. Instead, the representative stated that they can not speak to me about the issue without verifying who I am. Then, they asked for " verification purposes '' to speak with my employer. 

I do not understand what speaking with my employer has to do with authenticating the person who is calling. This appears to be an attempt by Citibank to stop lending to people until they can reconfirm employment, because they are afraid of loan losses during the Coronavirus pandemic. I don't know if that's even legal for the bank to do to an existing long-term customer who always pays their bills on time. This appears very shady.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has failed to send dispute results and is reporting the following items inaccurately XXXX see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I recently learned that Capital One is not accurately reporting information for two credit cards I currently have with the company. I tried to dispute the information through XXXX  but I was advised to contact the creditor as they are responsible for supplying the information in the first place. I then called Capital One regarding the inaccurate information and they stated that they update balance information each month to the credit reporting agencies. However, upon further review, I discovered that my information has been inaccurately reported for the past year. Not only is the balance history completely inaccurate, but so is the the average monthly payment listed for each credit card. This incorrect information has hurt my ability to secure a mortgage and other important lines of credit because I am not able to demonstrate a history of paying off large balances. 

Here 's the snapshot for CAPITAL ONE CREDIT CARD ( credit line {$5000.00}, current balance {$2900.00} ). On XX/XX/XXXX, Capital One reported a payment of {$140.00} but the actual payment was {$1500.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$140.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$550.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$350.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$300.00}. 

SECOND CAPITAL ONE CREDIT CARD ( {$2000.00} credit line, current balance : {$930.00} ) : XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$700.00}. XX/XX/XXXX, CapOne reported {$54.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$52.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$51.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$49.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$57.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$150.00}. XX/XX/XXXX, XXXX reported {$53.00}, actual payment was {$400.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$300.00}. Based on this information, my average monthly payment of {$37.00} is absolutely inaccurate.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MI)

I have two accounts with American Express ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them.

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.