davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (FL)

Icalledcustomerservicetocancelmycardduetoanunusualchargeplacedonmyaccount.Theycancelledandreissuedanewcard.Iwassupposedtoreceivethenewcardin7-10businessdays.After12daysIstillhadntreceivedmynewcard(thishappenedtomeinXXXXaswell-Ineverreceivedmyreplacementcardandhadtocallandrequestanotheron).Iwasnotabletoaccessmy{$760.00}directdepositwithoutacard.Icalledforhelpandwastoldthattheywouldissueanewcard.IexplainedwhyIneededaccesstomymoneysoonerthan7-10businessdaysandtherepofferedtosendanewcardovernightandchargemea{$25.00}fee.Isaidthatwasunacceptablesohesaidsomeonefromtheirglobalteamwouldcallmebackthenextday.ThenextdayImissedthecallandcalledbackin5mins.Iwastoldtheyhadtocallmeback.Nooneeverdid.ThenextdayIcalledbackandwastoldthatsomeonefromtheglobalteamwouldcallmebackthatday(itwasaSunday).Nooneevercalled.IcalledlateMondayandwastoldthattheglobalteamisclosedonSunday.Iwasalsohunguponordropped3timesduringthistimeandspent2hoursdealingwithagentswhokeptputtingmeonholdtocheckmyaccountandsupposedlytransfermetoasupervisor.EverytimeIwastoldIwasbeingtransferredtoasupervisormycallended.Iamnowtypingthiscomplaintandthencallingbacktoclosemyaccount.
Consumer complaint received 2019-10-22
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. (AZ)

Today I went to XXXX XXXX to open a checking account. I got denied opening a bank acct by XXXX due to Experian credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that experian is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 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 2019-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is in regards to a Capitol One account. I received a CP71C notice from the IRS on XX/XX/XXXX. My wife did also. The IRS is claiming I owe {$1500.00} for the XX/XX/XXXX tax year. When I called the IRS, they stated it was for Capitol One. Supposedly, Capitol One sent me a 1099-C for tax year XX/XX/XXXX and I failed to report it. The problem here is that I have never had a Capitol One credit card in my entire life. The IRS informed me that I needed to contact Capitol One so they can amend any taxes for that year or give me a notice saying I don't have an obligation to Capitol One. I tried calling Capitol One on several occasions but Capitol One could never help me or give me any information or even find me in their system. 

Since I was having no luck with Capitol One, I went to a company on XX/XX/XXXX that could assist me with this. The company representative helped me call Capitol One and try to reach someone that could finally answer some questions. He went through multiple departments and was on the phone with them for an hour. he explained the situation of how I was being charged taxes for an account that was never mine or ever existed. 

The entire time he was told I could not be found on the system. Because my wife did at one point have a Capitol One credit card however, we tried speaking to them about her account to see if they were somehow trying to collect for her account. 

My wife, bless her heart, actually has in possession the Capitol One credit card she had back from XX/XX/XXXX-XX/XX/XXXX. We called and gave them her info and even the card information in her possession and they still couldn't find her in the system. After multiple departments and Capitol One representatives couldn't help us or tell us that either my wife or myself were in their system, we finally spoke with someone named XXXX in the escalations department. She couldn't help us in any way shape or form either and ultimately said they couldn't give any letter to clear me of this IRS tax form that states I owe back taxes because of an unpaid Capitol One credit card. After much bickering back and forth, XXXX said she is the highest authority in that department and there is no department with higher authority or at least none that she was aware of and none that could help me get any letter to give the IRS. 

Now I am stuck here with an IRS debt from XX/XX/XXXX that isn't mine and Capitol One won't even acknowledge that they submitted it against me. I know it's for me because the IRS form has my social on it. If I can't get them to fix this I have no choice but to sue.
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IA)

This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Midland Funding, LLC or the original creditor. I have also requested that this subterfuge be deleted.
Consumer complaint received 2023-11-02
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2019-10-21
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)

I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX apartments nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-03-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2023-03-15
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. (LA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-15
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : 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 XXXXXXXX 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 2023-05-17
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". 

Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. 

Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. 

It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. 

Please help me! 
Thanks, XXXX
Consumer complaint received 2023-05-19
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} Consider this as my follow-up complaint.
Consumer complaint received 2023-05-19
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. (WA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-05-19
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. (WA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, My car was broken into last year and my wallet was stolen. Somebody was trying to use my ID and SSN to apply for loans and credit cards. Particularly : XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX - XX/XX/year> CAPITAL ONE - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XX/XX/year> That majorly affected my credit score, which was over XXXX. I am trying to resolve it now because I need to apply for small business loan which is impossible with the score below XXXX. I hope you can help me remove those fraudulent inquiries from my credit report. 

Thank you!
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax can not verify the Debt ( XXXX XXXX # XXXX ) yet continues to report it! 
How did you verify this account when I have documentation to prove that this account can not be verified? 
Under the FCRA unverified accounts must be removed. 
I've reached out to the original creditors. Calls and email Both companies stated they have no records/ no knowledge of the account. Both companies sent an email to me stating no records of the account. I have uploaded documentation from both Creditors
Consumer complaint received 2023-03-12
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX Account # XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/ and Equifax XXXX  and never opened with XXXX I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-19
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. (FL)

Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes. 

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2.

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information.

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies.

Sincerely