davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/year> I went in to do a return to BJs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. When my return was processed the employee asked if I wanted to apply for their credit card and I declined. Later throughout the day I was notified that a hard inquiry had appeared on my report for the same credit card I had declined at the store. I then proceeded to reach out to capital one but to no avail because unless you have an account with them there is no chance of connecting with a customer service representative.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I had pulled my 3 credit reports ( all 3 through XXXX ) on XX/XX/XXXX and FICO scores were XXXX on each with a very low credit use to credit limit ration ( 1 % ). 

Recently, I applied for a HELOC and one bank pulled XXXX report and correctly showed my high credit score ( XXXX as XX/XX/XXXX ). 

A second bank ( XXXX  ) pulled my Equifax report and it INCORRECTLY showed the XXXX for my credit score. 
In addition, Equifax reports INCORRECTLY that my high credit ( that was reported only once during the reporting period ) was the same high credit for EVERY SINGLE month starting on XX/XX/XXXX for all my credit cards. 
For example, for my XXXX, it shows I have a high credit {$18000.00} for every single months since XXXX XXXX. I have had that balance only once since opening the account in XXXX, and since XXXX XXXX my balances have been from {$0.00} ( 54 % of the time ) to {$1200.00} ( once ) maximum. 
The same situation is with all my other credit cards that it shows incorrectly that I have carried my lifetime highest balance as a high credit balance every single month for the past two years. 

Also, as key factors for my XXXX score, it says " amount owed on revolving accounts is too high '' and " proportion of loan balances to loan amount is too high ''. How can this be when Equifax reports in the summary section says that my Revolving total balance is {$680.00} and credit limit is {$78000.00} ( debt-to-credit 1 % )? 

XXXX has therefore not accepted my loan request amount and has instead offered a much lower loan request.
Consumer complaint received 2020-08-07
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: PENTAGON FEDERAL CREDIT UNION (FL)

THIS IS NOT MINE AND I DID NOT OPEN. THEY HAVE STILL NOT FURNISHED ME WITH PROOF OF IT BELONGING TO ME AND IT WAS THE SAME MONTH 2 OTHER CARDS WERE OPENED. I WAS A VICTUM OF FRAIID AND HAVE HAD AN EXTENDED FRAUD ALERT ON MY FILE FOR YEARS AND THEY WOULD HAVE HAD TO GET WRITTEN APPROVAL FROM ME TO EVEN OPEN AND THEYARE NOT RESPONSIVE AND WONT DELETE IT WHEN IT IS NOT MINE. 


Account NamePENTAGON FEDERAL CR UN Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$11000.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$11000.00} TermsNA
Consumer complaint received 2020-08-07
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. (TX)

address account and names wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 

not mine
Consumer complaint received 2024-08-12
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: EQUIFAX, INC. (LA)

I'm writing to impart my uneasiness concerning the challenged records on my credit report. On various events, I have raised the issue of slip-ups in these records, and have dependably referenced that they be totally explored. Disregarding my undertakings, I as of now just can't get any objective or helpful action. These mixed up records are truly hurting my credit report and forestalling my ability to continue with a commonplace life. The unfriendly outcomes of these errors have caused huge challenges for me, and I'm left with no choice aside from to contend for your assistance with changing what's going on rapidly. I liberally request that you lead a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and uprightness of my credit archive so I could recuperate control over my financial thriving. I really request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue expediently would be gigantically significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this matter must be resolved asap. these items are on my report due to identity theft/fraud. per 15 usc 1681b you all are breaking the law by furnishing this information without my permission.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A installment Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX A installment Account name XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX A installment Account name XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Revolving Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX revolving Account name XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX installment Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX A line of credit Account name XXXX XXXX Account number XXXX XXXX oped XXXX, XXXX, XXXX A Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX These XXXX have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (AR)

I've recently been in contact via mail with all three of the major consumer reporting agencies as of XXXX 2020 regarding fraudulent established accounts reporting on my credit file. I have received correspondence from XXXX, but both XXXX  and Experian has not sent any updated copies of my credit report as I am entitled to under the Fair Credit Report not provided any reasonable investigation nor sent out any results from several disputes. Several addresses that I requested to be updated still remain on my credit file and its been over 60 days from my initial request. Under the Fair Credit Reporting Act this is a violation and Experian must be held accountable. I have not received any return mail so I can only assume my dispute were received and have gone un answered. I have been denied credit due to the inaccuracies currently reporting and find these negligent actions unacceptable. PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION, AT THIS POINT THESE DISPUTED ACCOUNTS MUST BE REMOVED DO TO NO RESPONSE FROM NEITHER EXPERIAN OR EQUIFAX. PLEASE DO NOT REQUEST OR DENY MY REQUEST DUE TO YOU NOT HAVING ANY ACCOUNT INFO TO GO BY SINCE I'VE ALREADY CLEARLY SENT IN A WELL DOCUMENTATED DISPUTE LETTER WITH SPECIFIC DETAILS OF ACCOUNT NAME, NUMBER, AMOUNT, AND ETC.
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synovus Bank (FL)

Account NameXXXX/XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX.

Status UpdatedXX/XX/XXXX Balance {$130.00} I have called the company and they have not sent me any information and I have disputed it 3 times on my report. This is not my account and I was a victim of identity theft and they never respond to letters or calls at all. 

I have even added a statement for them to know that they can call me and they have said they would delete it but it never has been. Personal Statements ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2020-08-07
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. (MS)

I am trying to improve my credit score. I used the simulators on the credit report services that are included with 3 of my credit cards. They indicated that my score would increase 100-150 points if I paid {$27000.00} down on my credit cards. I did and my scores only increased 10-20 points. I closely monitor the timing differences between what I have actually paid versus what has been reported to the credit reporting agency. There are very few differences. 

I took money out of my retirement account to pay down this debt because of what the score simulators told me. Now my scores are still in the 665-686 range and my retirement account has {$27000.00} less than it should have. If these simulators had told the truth, I would not have taken money out of my 401k. A small increase in my score was not worth reducing my retirement account.
Consumer complaint received 2020-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

My dispute is with the Medical Revenue Service who collected for XXXX XXXX Hospital. None of the choices pertain to this problem. I called this company on XX/XX/20 to let them know that I would be paying this debt in full because I am in the process of purchasing a home. The fact that this is a hospital bill is bad enough but to add insult to injury, this company listed the debt four times instead of listing it once with the total amount of {$670.00}, so now it is counted as four collections on my credit report. This company reneged on their promise to remove this debt from my credit report after I indeed kept my promise to pay the entire bill stating that I did not pay it when it was due. Well, it would not have been a collection if I had the money to pay the hospital when the bill was due, but the fact remains that the debt is paid in full and there is no need for it to remain on my credit reports.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (FL)

In XXXX of 2018 we were victims of the path of Hurricane Michael, I had no access to internet or phone for a significant amount of time, was out of my job, and barely had a place to sleep. I have contacted Monterey Financial on MULTIPLE occasions to see if there was any way they could take me out of the Career Step financing I had scheduled because of the disaster we were affected by and they refused to try and make any arrangements at all. I have called countless times over the last two years and every time I speak to someone they are nasty and rude and unhelpful. Its not an amount I can pay back especially because I couldnt ever take the class that the payments were for.
Consumer complaint received 2020-08-07
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. (MI)

For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my Experian credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! Experian is just as guilty for allowing their illegal practices to  continue.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.

I contacted Transunion LLC and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have to been able to provide such proof to me.

This is a violation of the fair credit reporting act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC. (IN)

THERE WAS NO OPTION TO STATE THAT MY ISSUE IS REGARDING FRAUDULENT CHARGES ON MY CHECKING ACCOUNT SINCE XXXX XXXX. I DID NOT NOTICE THESE RIGHT AWAY AND WHEN I DID I ORDERED A NEW DEBT CARD THINKING THAT WOULD SOLVE IT, BUT IT DIDNT. I FIRST REPORTED THE FIRST ROUND OF THEM ON XX/XX/XXXX. EACH TIME I INQUIRE I GET A DIFFERENT ANSWER. MY IDENTITY WAS STOLEN AND OTHER ACCOUNT WAS HACKED, SO RECOVERING ANY MONEY HELPS. THEY DID NOT DISPUTE THESE IN ORDER AND PLACED MULTIPLE CHARGES UNDER ONE DISPUTE NUMBER. JUST THE OTHER DAY I WAS ADVISED THAT TYPICALLY TAKES ONLY 10 BUSINESS DAYS, CLEARLY NOT HERE. WHAT MAKES IT EVEN MORE ANNOYING IS THE FACT THAT ALL OF THESE CHARGES ARE FROM ONE ABOUT FIVE DIFFERENT PLACES. ALSO MAKES NO SENSE THAT YOU DENY CLAIMS THAT YOU HAD JUST APPROVED. I HAVE WENT THROUGH SO MANY TIMES AND TRIED GAINING THE INFO I HAVE REQUESTED AT LEAST FIVE TIMES NOW. ALSO ADVISED THAT I COULD RESPOND DIRECTLY TO THE EMAILS REGARDING THE DISPUTES, THEN TOLD VERY RUDELY I COULD NOT. NOT ONE EMPLOYEE HAS SENT ME WHICH CLAIMS HAVE BEEN DISPUTED AND WHICH HAVE NOT. AS STATED THEY DENIED ALL CLAIMS FROM XX/XX/XXXX. I KEEP GETTING TOLD DIFFERENT THINGS OVER AND OVER AGAIN, AND TO BE HONEST I DO NOT EVEN THINK THAT I HAVE EVEN SUBMITTED ALL OF MY CHARGES. YES MANY OF THE DISPUTES HAVE BEEN TAKEN CARE OF, BUT AS STATED I DON'T KNOW WHICH ARE LEFT AND WHICH AREN'T? ALL DISPUTES PLACED FOR XXXX WERE DENIED WITHOUT A REASON GIVEN, AND BEEN ADVISED THAT THEY SUBMITTED A COMPLAINT ON THIS, BUT NO ONE EVER CONTACTS ME. THIS IS RIDICULOUS! HOW ABOUT JUST FINISHING THEM AND GIVE ME THE INFO I HAVE REQUESTED, BECAUSE I DO NOT WANT TO GET SCREWED OUT OF ANY MONEY!!!!
Consumer complaint received 2023-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CA)

Diaz & Assoc. sent me a fraudulent debt collection letter dated XX/XX/2023, stating I owed a debt balance to XXXX XXXX XXXX for {$5800.00}, offering to settle for {$2000.00} if received by XX/XX/2023. I have never had any kind of account with XXXX XXXXXXXX XXXX, and I don't believe Diaz & Assoc. represents them. They state report may have been made to Credit Reporting Bureaus. I believe they targeted me because I am an XXXX XXXX XXXX elderly person. I researched this company and found XXXX complaints filed against them with the Better Business Bureau and a class action lawsuit..
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IA)

I have opened a Chase XXXX Account and I have had XXXX locked account situations within XXXX weeks. 

Everytime I try to make a payment ( XXXX, XXXX or Wire ) and even moving money between Checking and Saving within my account I am locked out. 

I go through security checks I get access reinstated and the same thing happens again - so no fixes are being put in place. I tried to escalate with the fraud team who said every transaction goes through a process and so there is no fix - I'm locked in a situation where they freeze my account - then reinstate then freeze - I can not even transfer the money to close my account!!! 

They disconnected links to XXXX and so I can not make a payment or receive payments- which is the very nature of my business so I am stuck.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Skrill USA, Inc. (NJ)

On XX/XX/year>, I signed up with this despicable website XXXX XXXX XXXXwww.skrill.com without doing my diligence and linked by my XXXX XXXX account and XXXX XXXX XXXX  using their " secure '' platform and made a deposit of {$270.00} from my bank account and another XXXX XXXXXXXX same bank account via debit card. They then, without explanation, froze/locked my account. After repeated emails and requests for my funds to be refunded and the account closed, they credit the bank account direct transfer of {$270.00} but have since outright refused to refund the {$270.00} made via debit card. This company is regulated and on the bottom of their emails state that I may submit a formal complaint through you. I have supporting bank statement ( XXXX ) /evidence of money withdrawn and e-mail traffic. A quick XXXX search reveals that there are hundreds of complaints and negative reviews against this company for borderline fraudulent practices. I am certain your office has received many. I would greatly appreciate any assistance. While the amount of money is not great, to me it is the principle of the matter. Companies like this should not be allowed to conduct business in this manner.