davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Riverwalk Financial Corporation (CA)

Reference : XXXX, XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX XXXX opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX XXXX. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 XXXX XXXX XXXX This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (GA)

My complaint especially with Experian and the others also is screwing me over when I apply for a new credit card.They deem to presume my ability to be able to control my finances .I am XXXX retired worked at same job 32 years.lived at current address for 54 years, never bankrupt I have 3 bank accounts, a savings account 3 cars 1 paid 1 almost paid.1 two thirds paid All have value a XXXX XXXX XXXX XXXX, a XXXX XXXX, I have stock, I have health Ins.I have a pension Im sorry for the next but there is no other way to say it I want the XXXX to leave me alone and get out of my life I have had credit for 50 years. When I try to get a new credit card they don, t send my 40 + page file showing active or inactive accounts ALL PAID NEVER LATE no they send a letter to the banks saying I am over extended My credit has always been a pride for me, no one has ever lost a penny on me.I read on internet where some one like myself sued aforementioned " XXXX XXXX '' and won a lot of money but the XXXX judge lowered it.I just  wished I were younger.And they send me E mails recommending credit cards They have my history they don, t even know I have these XXXX cards.THIS IS A CONFLICT
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

Capital One sent a letter XX/XX/XXXX stating due to lack of use card ending # XXXX will be closed if card holder does not contact office immediately. I called them at the beginning of XX/XX/XXXX and got a credit increase to {$3000.00}. It was mentioned during the phone conversation that I must use the card before the end of XX/XX/XXXX that month. I did not use the card until XX/XX/XXXX, and by then the account was closed. I believe Capital One charged me the annual fee and subsequent late fee after closing my account.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, my account on a vendor 's website ( XXXX ) was hacked and many hundreds of dollars worth of goods were charged to my credit card account. The XXXX XXXX hack was a well documented data breach affecting millions of customers and I was one affected. 

I contacted XXXX XXXX support and they were able to reverse a charge that hadn't shipped, but they said they were unable to reverse a second charge, and to take it up with my bank. 

Later that day, I contacted Chase Credit Card services to report fraud on my account. One call after another, I would eventually hit a dead end with trying to report this incident. The fraud department said since I had a previous relationship with the company ( set up an account with my Credit Card ), it could not be classified as fraud, it was a case for disputes, and when I got transferred to the disputes department, they said that since I had not ordered anything, it could not be considered a dispute. I called multiple times and finally got transferred to a fraud specialist that filed the charges as fraud. 

Today, XX/XX/XXXX, I was notified that the charges were put back onto my card. Chase once again bumped me from representative to representative, saying that the transaction was considered authorized. 

Both XXXX and Chase have made it intentionally hard to retrieve fraud money back, with lots of blame spreading and weird loose classifications of fraud and disputes where they can put you into a black hole of service where you never get your money back.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Notice for Proof of Claim Account : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIOLAW U.C.C131912 Taking Assignment of Debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, under LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2023-02-14
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-19
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. (IN)

I received my XXXX XXXX in XXXX XXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case XXXX needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to XXXX so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay XXXX around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that XXXX had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a XXXX Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on XXXX part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with special needs kids every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before XXXX made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX XXXX to XXXX explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for XXXX error. My FICO score, Equifax, XXXX  and XXXX credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, XXXX was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete from my report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please Update to all payments to paid as agreed and no late payment ever.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete form my report 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BRCLYSBANKDE Date of inquiry : XX/XX/2022
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I am writing to formally dispute inaccurate information on my credit report, which was reported by Experian. On XX/XX/XXXX, I initially contacted Experian regarding the following erroneous information : Account : XXXX Date Opened : XXXX XXXX, XXXX  Balance : {$1300.00} This account is not mine ; please remove it from my credit report.
Consumer complaint received 2019-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

Hayt, Hayt and Landau has called several times in an attempt to collect a debt on behalf of XXXX XXXX XXXX. Calls began Friday XX/XX/2019. I contacted Hayt, Hayt and Landau at ( XXXX ) XXXX explaining I do not have an account nor have I ever with XXXX  XXXX XXXX. I further explained they are attempting to scam me and I will contact the authorities if they continue. Of course, they have continued with more calls XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filed a complaint with the XXXX # XXXX. The XXXX responded stating that the office of Hayt, Hayt, and Landau does not have a attempting to collect a debt case on file against me. However, Hayt, Hayt and Landau continued to call XX/XX/XXXX, requesting I call Ms. XXXX at ( XXXX ) XXXX.
Consumer complaint received 2023-11-08
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. (IL)

Today, I am writing this complaint to Transunion regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I see several hard inquires on my credit report that I want to be delete. I did not authorize these companies to run my credit. This is fraudulent. I have not applied for an auto loan and the job that they filed along with my credit report is inaccurate and fraudulent. Here are the list of companies that have hit a hard inquiry on my credit report that I need to remove as it goes against my consumer rights. I filed a report with identitytheft.gov
Consumer complaint received 2019-09-16
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: Diversified Consultants, Inc. (MS)

I received a collection from Diversified Consultants about my XXXX account. I paid the collection in full the next day and was told by the company that they would remove the account from my credit report ( all three bureaus ) with in 30 days. After 30 days i called and was told it take 45 business days. After 45 business days i was told they will only update the account to paid on my credit report. I really need this removed from my credit. This is the only negative thing on my credit report
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have called a lot of times over the past five years trying to get my cards with Capital One to work. Stay on the phone for hours at a time without getting the problem fixed. It has something to do with my phone number I think. They say it is not mine but I know that I have had it a very long time, over five years, I know. It was a XXXX number from Walmart and then I swapped carriers and kept the number with Walmart Family Plan. Capital One took over my Walmart card in the last month and now I can't login online to pay it because of the same issue. They say there is a restriction on my account. I have asked them to take it off and nothing happens. They keep asking for my phone number so they can send me code on my phone but they could never get the account fixed. In the past I have had to send them copies of my drivers license and some other documents and I think that they asked me to send a copy of my SS card and I said no way that I am going to send that online and to an overseas location ( XXXX Maybe ). They said that they never got them or it was not what they asked for. 
I just want it fixed so that I can pay my bill online. At this point I am not sure if I can even use my Walmart card but I do know that they are sending me a Capital One card to replace it and when that happens, I will not be able to activate it because of the same issue. I have cards now from Capital one that I can't use because of this so called restriction. I am sending a letter to the CEO of the company today to the main office. 

Please help
Consumer complaint received 2019-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XX/XX/19 I went to HSBC branch located at XXXX XXXX XXXX  XXXX. My cash withdrawal was refused even when I presented 1 ) Employer ID, 2 ) Passport Card ID, 3 ) NY Drivers License 4 ) HSBC Debit Card. I was told to call a number. I called the number and the rep couldn't provide a reason why the transaction was declined. 

XX/XX/19 - I've tried on several occasions to cancel a recurring bank to bank transfer that was setup. The portal says there is not future transactions scheduled but yet the transfers keep getting setup. There is a process to edit a recurring transfer but the capability to cancel is not available. The portal is broken. My only recourse at this time is to close the checking account to stop the transaction. 

XX/XX/19 - I went to HSBC branch located at XXXX XXXX XXXX  XXXX. Their system was doing a system update from XXXX - XXXX while I waited online. The rep could not give me an ETA as to the remaining time required for the system update and reboot. Why is a system update going on when HSBC needs to service customers? Why is this not happening during off hours? Why isn't there a procedure in place to service withdrawals when the branch system is down? I had my balance available through my mobile app. I had id. Why couldn't I complete my withdrawal and closure of the account at the time I was there and have HSBC address the update later when the system was up? Their process and procedures have numerous servicing gaps!
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (GA)

XXXX charges me for internet service that I cancelled almost 3 years ago. I called over 10 times and they said the bill would be XXXX out when I went to check status in XXXX it stated it had gone to collection. I immediately paid the {$56.00} even though I did not owe it. They need to remove this derogatory remark immediately