davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. 

Your agency is in violation! 
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 XXXX 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.

Delete this at once!
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services XX/XX/XXXX Amount : {$100.00} Called to dispute XXXX XXXX XXXX XX/XX/XXXX Amount : {$980.00} Called company to ask them to verify and they could not verify the debt, was told debt would be removed. 


XXXX XXXX XXXX XX/XX/XXXX Amount : {$890.00} Called company and informed them that this was unverified and unauthorized, they hung up on me after I mentioned Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX Amount : {$710.00} Called company asked to remove as this isnt my debt as my identity was compromised on the dark web, they said it would be removed.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

I am XXXX XXXX in XXXX. I had been locked out of my account ( couldnt call to request pay, log in online, use app, request account number to pay. USAA reps couldnt verify me without using XXXXverify. I submitted my ID and call back number 8 times. No response. One representative did finally respond in email. I called and unlocked account. He said the USAA verification kept flagging my ID for fraud and thats why I wasnt getting a callback. I was then able to get my account unlocked on XXXX XXXX and immediately made a payment the same day. The representatives name was XXXX XXXX. I received another call from XXXX with USAA ext XXXX but was missed. I have submitted a dispute but I have the same call back issues. I have not received a call back to provide these additional details about the dispute, and XXXX XXXX XXXX did see that there was an continuous issue with verification and that it was taking quite some time and thats why he ultimately eventually reached out to me. My account now has a payment delinquency that I couldnt avoid due to having issues with my verification labeled as fraud when it wasnt before USAA would assist me. I have had two emails saying the called me to resolve and I attempted to call back the two representatives during the hours of Monday through Friday XXXX with no avail. Instead of continuing to try to follow up with more contact information the closed my dispute. I had always wanted to pay and have phone logs to show I have tried numerous times to take care of this issue. Not once until after I was overdue did any representative tell me to mail in a check and with that provided no additional information on who or how to send the payment. I will attach phone logs. I have XXXX missed calls, 2 that were erroneous answers to push a key to continue and one from XXXX, after I finally got access to my account. Another issue that didnt allow my ssn and credit card to match and verify my ID was since my card was cancelled it showed I no longer had any services through the bank, therefore they representatives also were unable to assist without verification through their verification program. Only until I submitted a formal complaint from XXXX XXXXhat they wanted to resolve the issue, ultimately I have received no calls to fix the issue as I had problems before. I have no issues from any of my other banks, like XXXX XXXX XXXX XXXX and XXXX for my banking needs.
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (OK)

I have an account with Binance.US and had put {$1000.00} into XXXX. A few weeks ago I sold my XXXX and made an attempt to withdraw the money a put it into my banking account I was told it would take 3-7 business days it has been well over that time frame and Ive made every attempt to contact them that they have provided but I have not received any form of notification or any response to my concerns. The transaction history for my withdrawal has also out right disappeared as well I still have my transaction history from when I sold my XXXX though.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (VA)

Barclays rewards closed my credit card on late XXXX due to my balance on a competing XXXX XXXX high balance. When they closed it, it took months to get Barclay 's to send statements. They froze my ability to continue online paperless internet account access. Then I reported them to the OCC and I started to receive statements on and off during XXXX. They have continued to freeze online access on and off as well. Reporting my account late 29 percent of the time I want my history corrected due to their continued unethical collection actions. I have reached out to them several times, Paid the account off and they refuse to assist at all. I have 12 other credit card accounts with 7 plus year history and not 1 late payment.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

XXXX of 2023, I reached out regarding inaccurate information on my personal credit reports. I have been notified that my information has been used over 15 times on the dark web ; I was notified by several institutions to look into my credit report and place a fraud alert/freeze. There are multiple errors with my name and address that appear across all XXXX platforms. XXXX, XXXX XXXX and Equifax. 

My name appears several different ways, also including my previous married name. It states that my spouse is my ex, I never gave a name for spouse. My credit is being affected tremendously by all of the incorrect information posted. 

As for my addresses; there are over XXXX different spellings of my name that I asked to be corrected as well. After printing out new reports today, I notice everything is still showing as if I never contacted anyone. 

I also noticed after printing out XXXX pages on this report that the inquiries listed are insane. I have requested for this to be taken care of as well.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed that I have a list of unauthorized inquiries that I did NOT give written permissible purposes to furnish to my consumer report. Accordingly to the FCRA 15 U.S.C 1681 ( e ) subsection ( e ) paragraph ( b ) Disclosures states : " EACH permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report or information. and also 15 U.S.C 1581b Also states that you must have " written permissible purpose for each item being furnished ''. please remove the follow inquiries listed below whiich does not constitute the FCRA consumer laws I listed above. Please provide proof of requested documentation of my written permissible purpose for EACH inquiry or remove entry from consumer report immediatley. according to FCRA you have 15 days to respond to this matter or these accounts must be removed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-04-27
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. (GA)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights. 

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
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report.

Capital One never noted on my credit report these " late '' payments were the result of a federal national disaster. This is strictly required as part of the CARES Act. This failure to add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit.

Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Major Disaster XXXX declared onMarch XXXX, 2020. 

Washington COVID-19 XXXX XXXX XXXX Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm filing this complaint against capital one for purposely adding cash advance charges to my account without me using cash advance services XX/XX/2023 I was on the phone with capital one regarding me using my card for XXXX services and I was asking them questions about it but not one time did they say that me using the XXXX XXXX with the card is a cash advance so I used the app one time sending {$1.00} just see if it would work it work while I was on the phone with them however today XX/XX/XXXX I checked my account and I was charged a cash advance fee of {$10.00} I tried to get the cash advance service removed from my account and was hung up on then I called back to speak with a supervisor and explained to him everything that happened and that capital one was on the phone when I asked them if my card would work with the app not one time did they say I would be charged a cash advance fee over the phone the manager did not want to remove cash advance services which I never use on purpose to have me pay high interest charges and fees so I can not keep up with my bill this is a scam and they are trying use this on their customers to put them in debt i want the cash advance services removed from my account and this situation looked into
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Several times I reach out to Equifax to dispute or update information and I get the response you will see below. I have sent in the items plus additional proof they ask for several times but to no avail. Meanwhile Im not able to view or correct any inaccuracies on my file. After yet again trying to make a dispute ( based off what I see from a few credit apps I use ) I get the same response from Equifax. I received the bottom notice after trying for second time to dispute an inquiry from XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX remove the bankruptcy information from my consumer report you are violating my privacy, right to credit.. 

Pursuant section 605. Requirements relating to information contained in consumer reports ( a ) ( 1 ) ... bankruptcy information is to be excluded from a consumers report. VIOLATION {$1000.00} fine ... .Bankruptcy info reads XXXX ; the release of a debtor from monetary obligations upon ADJUDICATION. Adjudication ; legal process of of resolving a dispute, the process of judicially deciding a case. 

The Fair Credit Reporting Act clearing directs consumer reporting agencies, no consumer reporting agency may NOT make any consumer report containing any of the following info ... .cadres under title 11 or the bankruptcy act ... 

XXXX followed instructions and removed all information, see attachments
Consumer complaint received 2021-04-27
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. (NY)

On a monthly basis dating back to last year I have attempted to have several accounts that are inaccurately reporting payments and account ownership removed. It is my understanding that under FCRA it is illegal for accounts to be misreporting payments. Transunion, XXXX and XXXX  have all misreported and allowed them to continuously make statements without doing their due diligence for accuracy.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I recently checked my credit report and found that it contains fraudulent accounts. I request that these accounts be removed, as they are negatively affecting my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with XXXX  XXXX XXXX, XXXX and capital one. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX for these charges on my account, the police case number is XXXX but capital one will not dispute these charges saying they do not see any signs of fraud but i was clueless that these were thieves and it was all a scam and they stole the money. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/XXXX 2019
Consumer complaint received 2021-04-27
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. (TX)

Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-26
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. (MI)

XXXX is violating my rights and reporting in correct information on my credit report. They are reporting late payments for months I have made on time payments on. I am in the forbearance program and was told my account would me listed current paid as agreed not late as I am paying now and the money is being withdrawn from my checking accounts. This company lied from the time I enrolled in the program and told me my credit report would be update and current with no lates now they are reporting XXXX XXXX and XXXX late but I have been on time. This is violation to report incorrect information to the credit report agencies. I enrolled in the program in XXXX the letter clear states previously reported delinquency these delinquency that they are reporting are current new delinquency after I enrolled in the program which is not what the contract states. They are not following the details of the hardship program which is against the law they enrolled me in a program and taking my money monthly to still report inaccurate information harming my credit..they are also reporting different months on all different credit reports
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (UT)

I got a payday loan from Check N Go in XXXX  Utah on XXXX XXXX the XXXX who helped me gave me the long and I told her I would be in as soon as I got my paycheck sometimes the Friday before the Monday and I would be into paid off in full so I showed up about two hours before close and there was a note on the door that said come back at the bank or something like that so I'm standing there waiting for and here she comes out of the back and she's she's fixing her talk and I'm starting to her parents as dependents to the door and then tells me let 's me in and says that she won't accept my money even though I had that has a note in the dime in my hand I explained to identify to take it home and go to sleep it will probably disappear because I have hands in my residence even while I'm home and she wouldn't let me pay for it and this was clear back it's been a couple few years I got a letter from Mrs and I've been receiving up a lot demanding have the payment. This thief steals food right off of my meal dish leaving me one bite.