davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Have not been able to access my free annual credit report through : Equifax XXXX  I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Have not been able to access my free annual credit report through : XXXX  Transunion I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I contacted Experian by phone on XX/XX/XXXX regarding inaccurate information that continues to appear only on my Experian credit report. The creditor continually reporting inaccurately is XXXX XXXX and I have disputed the information both directly with them and now Experian. They are in violation of my rights as a consumer by reporting this for t

wo reasons. 1 ) the account has been reporting since XXXX and it is well beyond the credit reporting threshold of 7 years 2 ) the account is not mine, it is not even in my name it belongs to an ex XXXX XXXX who opened and used my information as a joint account without me present or my permission When I spoke to Experian on XX/XX/XXXX they agreed that XXXX, XXXX was in violation and could not continue to reporting an account to my credit for 10+ years. Additionally, they moved the same balance and account over to another account that they declared as written off in XXXX so that could report it longer. Both accounts are still on my credit report to this day. Experian advised me that they would open a dispute with XXXX, XXXX letting them know of the violations and then the accounts would be deleted from my file. I then get communication back on the dispute via email stating that XXXX XXXX again confirmed the information was accurate and that it wouldnt be removed. At this point, I am submitting my claim here as a last attempt to resolve this injustice against me. I know my rights and these companies can not report something for 10+ years. I have the documents and dates to prove everything too. If you can not get this resolved, I will seek legal action because I have the right to do so. I have already consulted with an attorney who did advise that I bring this to court.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (NV)

On XX/XX/XXXX I received a text alert stating money was being withdrawn from my account. A total of {$810.00}. I call the company Netspend and canceled my card and order another. I disputed the charges XX/XX/XXXX. I filed a police report with XXXX XXXX Police Department case # XXXX to assist with the investigation. I have sent emails over 10 and also fax documents over to them and they keep saying they have not received them. I feel I will not get a thoroughly investigation and will be tossed aside. I also discovered other withdrawals on XX/XX/2021. In total {$1600.00}. Please help me.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (OH)

Transfer from XXXX to XXXX was stopped. Fiserv is currently holding {$500.00} from me. This money has to be returned to my XXXX account. XXXX is also known as XXXX.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )
Consumer complaint received 2021-04-03
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-03
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. (GA)

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the company and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021
Consumer complaint received 2021-04-02
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 received a letter from XXXX XXXX XXXX that they sent a request to Equifax back in XX/XX/2020 to have an incorrect inquiry removed but that same inquiry is still reflecting on my credit report. I sent a request directly to Equifax and recently checked my dispute status and it stated they would not remove it because it needed to stay on my report for 2 years. I was asking to have it removed since the 2 year mark is approaching.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Credit Control (CA)

I had no recollection of this debt with continental credit until I saw it on my credit report a few years ago. They never reached out to me, yet, they kept accruing interest on my account with them. I called them and asked to pay the original amount owed. They refused. I told them they never contacted me. After that, still never received contact and two years later I call again trying to rectify wanting to pay original balance since it was unbeknownst to me I even had this medical debt. The rude woman refused, threatened. Said she didnt have to send me notices. I feel it is sneaky way of trying to over inflate a debt so they get more money when they never contacted me in the beginning when they first got the debt. How is the good business or fair practices. They are no better than a loan shark.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I have maintained a PayPal account for over XXXX decades without any issues. I primarily use this to buy and sell goods on websites such as XXXX. I usually have XXXX transactions per year. 

XXXX days ago, I was notified that my account was permanently suspended for violating terms of service. The reason given was that I was using a XXXX to access PayPal, purportedly a breach of the PayPal ToS. As a XXXX XXXX, I naturally reviewed the most current ToS and I was not able to find a single provision that uses the term XXXX or XXXX XXXX XXXX, let alone XXXX that purports to prohibit consumers from using XXXX to access PayPal. 

I was also told that VPNs are not allowed because " hackers use them to commit fraud '' and PayPal needs to verify that it is me who is logging in every time. I would point to the fact that I have XXXX enabled on my account with literally ensures that it is me who is logging in every time since my log in requires the entry of a XXXX-digit code that is sent every time to my mobile device. XXXX have legitimate uses and I would submit that they are essential to any cybersecurity plan to prevent unauthorized access. 

Essentially, I have been discriminated against on an illegitimate basis and can no longer access my account.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (FL)

My account was closed with CURRENT online banking. Due to unauthorized tranactions and account take over. I tired to report my card missing for several different type of times but waa still unsuccessful. They had no customers service live or automated service. Only contacted that was available is thru vis emails and its was even more difficult because no one returns emails. At XXXX. So by the time which was on XX/XX/2020 arizona unemployment deposited XXXX
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Due directly to COVID-19, we become financially affected negativity. Capital one/Walmart creditor deferred some monthly payments until XX/XX/XXXX. I attempted on at lease 3 occasions on three separate months ago to contact Capital one to work out a repayment plan, only to each time, told they had no programs for me, to call back in 30 days Finally, in XXXX of XXXX Capital one agreed to a payment plan of {$150.00} per month starting with XX/XX/XXXX then each month thereafter on the XXXX, with auto pay, capital one taking the payment electronically on the XXXX of each month. 
Capital one, by delaying any assistance till XXXX, reported my account 30 then 60 days late. On XX/XX/XXXX I filed a complaint with XXXX  and via this organization, Capital one wrote letter, dated XX/XX/XXXX that they would remove the 30 and 60 day late reporting on my credit report. In that letter, Capital one also informed me I was on an assistance program and to continue monthly payment obligations as agreed to avoid late reporting. Latest was XX/XX/XXXX next being XX/XX/XXXX an so forth. On XX/XX/XXXX Capital one reported 30 days late on this account for XX/XX/XXXX payment. That payment was already made on XX/XX/XXXX. I have made another complaint to XXXX  and to CFPB because this company, Capital one/Walmart was bought from what use to be XXXX/Walmart. Now both XXXX/Walmart and now Capital one/ Walmart both appear on my credit report, and both reporting negative late notices that are Not accurate nor correct. This is hurting my family tremendously, from requesting assistance with 2nd mortgage application, personal loan or home equity loan. There inappropriate, false and defamatory reporting of late payments on my credit report that again is totally incorrect is forcing us to look at filing a possible bankruptcy. This is directly to the false and inaccurate reporting of Capital one/Walmart while Im trying our best to pay them back on there approved plan. Although I have reported a similar incident, this new information as to both XXXX/Walmart now bought by Capital one/Walmart is showing on my credit report as negative and lowering my fico score by over 43 points. So unfortunately and devastating to our family.
Consumer complaint received 2021-04-02
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. (CO)

XX/XX/XXXXExperian and XX/XX/XXXX should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.
Consumer complaint received 2021-04-03
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. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been disputing the XXXX XXXX account since XX/XX/XXXX with no real proof of validation or debt from Experian. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX and XXXX have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. Experian seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but Experian would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX- XXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank, issuing bank for Sam 's Club, issued me a card with {$4000.00} limit. The first monthly payment I made to them was returned by them to my bank without notice or explanation. I became aware of it after receiving a late notice, called Synchrony twice, and was told they didn't know why, just resend the payment. 
I received a notice from them that they were lowering the credit limit to {$430.00} because of unfavorable information on XX/XX/XXXX. I pulled my credit report and there is no unfavorable information there. I wrote them a letter to which they replied again that it was due to the credit report. I requested that they correct the error and reinstate the limit. 
They have sent me a form asking for all Annual Net Income from all sources and told me to submit that with reason why I am making the request. 
I have been notified by other credit reporting that there has been " a change '' in my FICO score. It appears that Synchrony has requested my credit three times in the last 2 months.

I have another card with Synchrony from Lowes which they could have checked at any time but failed to do so. I want Synchrony to close the Sam 's Card and remove all negative actions or comments
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.
Consumer complaint received 2021-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX XXXX XXXX XXXX lied to me about the finance charge in my contract and are being reckless with my credit card/ driver license. By law XXXX XXXX XXXX says the finance charge is the sum of all charges, and it supposed to include insurance and I was not offered insurance. The finance charge also cant be paid by cash, they have and still are trying to take cash in a consumer credit transaction with a finance charge involved. When I asked why the debt is valid they sent a contract showing the finance charge. Also when I let them know about their violations they gave some unauthorized random person permission to see and send a picture of my license on the internet. That is a violation of my privacy. Because they know about there finance charge violations they are civilly liable for twice the finance charge pursuant XXXX5 usc 1640. And they are criminally liable purusant 15 usc 1611. I have sent them a affidavit of truth with the contract which is a supporting exhibit, and invoice with a legal notice. I want them to cease and desist all mediums of communication with me, unless they are talking about remedy.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I received a copy of my Experian credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Experian or XXXX XXXX. I advised Experian that this account is in litigation and that it needed to be removed. Experian removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consolidated Management Group, LLC (TX)

They contacted me for a very old debt i had in XXXX  i took that out when i was XXXX XXXX XXXX. I started to pay it off they never once sent me a letter about the debt or have verified that they are the ones authorized to collect the debt. I asked several times for a letter to be either email or mailed to me for verification purposes but they declined and got an attitude and threatening to send someone to hand me some paperwork to go to court and be in Jail for non payment. There calling me non stop to pay whats left around {$400.00} something their name is Consolidated Management.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.