davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, Reference # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. XXXX XXXX XXXX  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$360.00}. CLIENT is in violation of Title 15 USC 16 SERVICES, INC 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
Consumer complaint received 2020-08-31
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. (MI)

RE : XXXX XXXX AUTO LEASE ACCT # XXXX XXXX XXXX XXXX is knowingly reporting my auto lease 30 days late to Experian, XXXX and XXXX for the month of XX/XX/XXXX. My lease payment was due on XX/XX/XXXX of {$240.00}. I made a successful payment on XX/XX/XXXX for {$240.00}. However, XXXX system in error applied that payment to the end of the lease in XXXX, I contacted XXXX, they acknowledged the error, but were indifferent to the 30 days late they wrongly reported and refused to update the error until the next billing cycle, In the meantime, this error dropped my credit score 40 pts. I was intending to lease another XXXX through XXXX XXXX, but now unable to do so until the 30 days late is corrected. 
I have spent hours of my own time calling and talking to numerous XXXX representatives, even receiving 2 phone calls on XX/XX/XXXX & XX/XX/XXXX, from agents who identified themselves as XXXX XXXX employees that work in the Office of the President, XXXX XXXX. They both assured this issue would be resolved, but a week later nothing has changed online or with Experian, XXXX or XXXX. 
Additionally, XXXX XXXX 's website will not allow me to make my XX/XX/XXXX payment. The payment platform gives me one option top pay {$960.00} ( which I do not owe ) XXXX XXXX is aware of this and has said once that option is corrected they will back date my payment for XX/XX/XXXX. We will see ... 
My attorney advised me to apply anyways and if XXXX XXXX   refuses me, file a lawsuit for damages. I think I will follow his advice.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (DE)

I have been contacting this company since XXXX, they have no contact number. It is very hard to communicate with this company for my son 's money. I have not received an adequate answer back from them just generic letters with no official signatures. They have all the information they need to complete the request and I will submit it again through this website. Let 's see what the response will be then.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Approximately in late may I placed a freeze on my credit file with all three major major credit reporting Agencies due to a fraudulent filing for Unemployment benefits. I am attempting to refinance my home Mortgage so I wanted to unfreeze my credit files. I have been unable to get my file unfrozen from Experian. There appears no way possible to actually talk to a human being. I have sent them two letters per their instructions with the required information to verify my identity and I still have not heard from them. I am desperate to get my report unfrozen but do not know where else to turn.
Consumer complaint received 2020-07-01
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. (TN)

I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove it. At the bottom, I will attach the necessary documents.
Consumer complaint received 2020-07-01
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. (NY)

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-07-01
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

Several months ago in the spring ( approximately the beginning of XXXX XXXX I ordered some product online from XXXX. The product was a grass seed device along w/ grass seed/applicator etc. After nearly 2 months of not receiving the product I received a postcard in the mail from the company apologizing for the delay and advising the product remained on back order. There was a portion of the card to tear off and return if I desired to cancel the order. I returned that portion of the card to cancel the order as I had already seeded the area and at that point the summer was half over. 

A few weeks later I noticed the charge on my credit card {$110.00} on XX/XX/2020, and then approximately a week later I received the product. I have no need for this so I contacted the company requesting a refund and offering them the opportunity to send me a shipping label to have the canceled order returned to them. The company denies receiving the cancellation postcard, and refuses to issue a return authorization. 

I challenged the charge with the credit card company, Capital One. They initially returned the funds to my account, but on XX/XX/2020 re-billed the amount as they received " documentation '' from the vendor stating the product was shipped. I agree it was shipped, I do have it. However, I have no need for it after the extended delay and I canceled the order. 

Requesting refund or chargeback of the {$110.00}
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

A company I have an affiliation with notified me that my personal information was breached a few years ago, so I immediately froze my credit on all 3 credit bureau sites. 

I am going to be applying for a mortgage pre-approval so need to ensure my credit is unfrozen on these sites. I had no problem unfreezing my credit with XXXX or XXXX. Experian, on the other hand, has been impossible to work with. 

I logged into their website to follow instructions for unfreezing my credit report. They then force me to re-enter all my personal information [ name, SSN, DOB ] despite the fact that I've already authenticated to their site with a username and password. 

Once that personal information is shared, I end up at a screen that says I must call them to complete my request. When I call, they try to upsell me with various gimmicks [ XXXX XXXX, XXXX XXXX XXXX, 'help me I've fallen ' devices, etc etc etc ]. When I attempt to opt-out of those services, my call gets dropped. Now, when I attempt to call, I get a message saying that number is outside my calling area. 

I am a hostage to their XXXX website, their lousy customer service, and I have NO RECOURSE. 
HELP???
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

The company is inaccurately reporting late payments to credit bureaus, as account has been closed well over a year, and was reported as fraudulent and is not reporting as such. I have called the company multiple times to get this corrected to no resolve.
Consumer complaint received 2020-08-31
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. (FL)

I've contacted XXXX regarding this XXXX  account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to Identity Theft.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (GA)

I filed two complaints with CFPB # XXXX & XXXX in regards to a XXXX debt that did not belong to me. The collection agency XXXX XXXX and/or XXXX XXXX company could not validate the debt ; or provide the documentation I requested when I mailed a certified letter and disputed this debt. In turn the debts were removed from my XXXX credit report on XX/XX/2020 & removed from my XXXX credit report on XX/XX/2020. 

The XXXX debt has now reappeared on my credit report from a new collection agency named " Allied Collection Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. '' Which should have never re-reported back onto my XXXX and XXXX   credit reports with a new collection agency. XXXX failed to validate the debt and by law they have to remove this account and no longer report ; by law they can not keep collecting on a debt that DOES NOT belong to me.
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Wednesday XX/XX/2019, my Bank of America checkings account a was closed due to someone sending me a fake check. I didnt know it was fake and I deposited it to my bank. I tried to explain to Bank of America that I didnt know it was fake. I was looking for a babysitting job on XXXX and this lady messaged me telling me she wanted to hire me and I would need to deposit the check in and then I can deduct my paycheck and use the rest of the money for their new house. I would really like to get my checkings account back because now I cant open any checkings account at any bank because of this. Thank you so much!
Consumer complaint received 2020-08-31
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

ON XX/XX/XXXX AT AROUND XXXX I SPOKE WITH A PERSON ON INSTAGRAM THE NAME IS XXXX I WAS TOLD THAT I CAN HAVE AN OPPORTUNITY TO MAKE MORE MONEY ALL I WOULD HAVE TO DO IS SEND A INITIAL DEPOSIT OF XXXX DOLLARS AND I CAN MAKE EXTRA MONEY. THE PERSON PROVIDE ME WITH AN EMAIL OF XXXX, WAS SCAMMED OUT OF {$300.00} DOLLARS, SENT THE MONEY THROUGH ZELLE. TO THE EMAIL. WHEN TRYING TO GET MY MONEY BACK I RECEIVED A PHONE FROM A SO-CALLED MANAGER FROM THE NUMBER XXXX, THEY ADVISED ME THAT IN ORDER TO GET MY MONEY BACK I HAD TO PAY AN ADDITIONAL {$890.00}. THEY PERSON DID NOT SAY THEIR NAME AND WAS ARGUING BACK AND WORTH THAT I HAD TO PAY {$890.00} IN ORDER TO RECEIVE A REFUND. I TOLD THEM IT WAS SEND THROUGH ZELLE SO ALL YOU HAVE TO DO IS SEND IT BACK. I SPOKE TO THE BACK TO REPORT IT, AND THEY ARE NOT ASSISTANCE ANY HELP. I WOULD LIKE MY {$300.00} DOLLARS BACK. THIS PEOPLE NEED TO BE STOPPED.
Consumer complaint received 2020-08-31
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. (AL)

I applied for insurance with XXXX on XXXX XX/XX/2020. XXXX declined stating Trans union reported to XXXX The number of bank installment accounts is 3. I called Trans Union and they could not identify 3 open bank installment cards for myself. As a result my home insurance increased $ XXXX and I received no bundle discount for home and auto. I have two credit cards one for me and one for my wife. I pay my 2 credit cards fully every month.
Consumer complaint received 2020-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (MA)

I was shocked when I reviewed my credit report and found late payment in XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (CA)

On XX/XX/2021, I sent a complaint AGAINST EARLY WARNING SERVICES , LLC in regards the mailing this company is sending to me IS ALWAYS LOST. I REQUESTED EARLY WARNING SERVICES , LLC SEND ME CERTIFIED MAIL IN ORDER TO AVOID " THE LOSING MAIL '', WHICH IS STOPPING MY CASES BE CLOSED LEGALLY. TODAY I CALLED TO EARLY WARNING SERVICES , LLC WITH AGENT CRISTAL, AND SHE TOLD ME THAT EARLY WARNING SERVICES, WILL NOT ANSWER ME ANY OF MY DISPUTES, DESPITE THE FRAME TIME THE BANKS HAVE TO ANSWER ME IS OVER, SHE ALSO TOLD ME THAT EARLY WARNING SENT ME YESTEDRDAY XX/XX/2021 A CORRESPONDENCE THAT I HAVE TO ANSWER IN ORDER TO CONTINUE WITH MY DISPUTES TO THE FRAUDULENT STATEMENTS AND REPORTS THE BANKS ARE MAKING TO MY PERSON. I REQUESTED THE TRACKING NUMBER OF THE MAIL SENT ON XX/XX/2021, AND SHE TOLD ME THAT THEY WILL NOT SEND CERTIFIED MAIL TO ME. I ASKED HER TO ASK ME BY PHONE WHAT IS WHAT THEY NEED IN ORDER TO ANSWER MY DISPUTES, AND SHE TOLD ME THAT SHE WOULD NOT TELL ME ANYTHING BY PHONE. I COMPLAINT FROM EARLY WARNING SERVICES , LLC FOR THE SUSPICIOUS ACTIVITY THEY CREATE IN ORDER TO AVOID TO CLOSE MY REPORTS LEGALLY. IT APPEARS EARLY WARNING SERVICES , LLC ARE COVERING UP THE BANKS IN ORDER TO CONTINUE A HATE CRIME FROM BANKS THAT ARE WRITING AND REPORTING MY ACCOUNTS AND MY PERSON FRAUDULENTLY.
Consumer complaint received 2020-08-31
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. (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 given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX/XXXX   XXXX {$300.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$750.00}
Consumer complaint received 2020-08-31
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.