davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have paid my debt off to XXXX separate Capital One accounts and Capital One refuses to remove this debt account from all three bureaus. I have tried to resolve this on my own by explaining to Capital One that I fell on hard times but this is not a reflection of who I truly am this is why I paid my debt. Capital One continues to reach out to me and send me advertisements about pre approvals when I have asked for them not contact me any further, I no longer want them to contact me and I have declined every offer from Capital One. At this point Im feeling harassed and taunted. These accounts were removed from my XXXX report but not from XXXX and XXXX and I do not understand why.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

his is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. 3 credit bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : The bureau is provided by federal law to response within that statutory time limit and they still have failed to response to my letters. Therefore all items in question that have been disputed must be removed. 

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed. Please find the attached documents to assist in blocking of the erroneous information which is being posted to my report. 


XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

I received a bill from XXXX for internet services for my old apartment over a month after I had moved out and transferred service on XX/XX/2023. I contacted XXXX customer service to find out what the bill was for, and was informed that it was for dates of service after I had moved out. They said it had been billed in error after I had moved and the account was not closed, but they would close the old account and the bill was in error. I then received another bill in XXXX and contacted customer service again, and they again said this was a billing error and I did not owe money. I have included screenshots of one of my chats with customer service. I was told the matter would be resolved in 3-4 business days and never heard anything else. Then, at the beginning of XXXX, I received a collections notice for the bill. I filed a complaint with the Washington State Attorney General and was contacted by XXXX customer relations. They said the bill was actually from services in XXXX and that I still owed it. I told them I did not receive any bill for this amount in XXXX or XXXX, and it was probably not forwarded from my old address if it was sent at all. There was no apology or offer to resolve the matter. I said I would pay the bill now that it had been explained, but they needed to cancel the collections because it was sent in error since I was told multiple times by their customer service agents that I did not owe the money. They refused to cancel the collections on me, despite repeated requests and the fact that it was their fault, not mine. I have never missed a bill or been sent to collections on anything, and do not deserve to have my credit destroyed because of XXXX 's negligence.
Consumer complaint received 2024-09-23
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (SC)

I deposited {$41000.00} into a high yield savings account with Marcus on XX/XX/XXXX for the account opened on XX/XX/XXXX. My daughter referred me from her Marcus account so that we could both get their 1 % 3-month referral interest boost. I was immediately locked out of my account. I called them in early XXXX and was told I'd have to complete an Affidavit of Identity Form. I completed this form and sent it back immediately, paying to have it notarized. I did not hear from them and was still locked out, so I called them back and was told my form wasn't notarized ( even though it was ). They said they would send me another form to complete which I never received. 

XX/XX/XXXX I received an email that they closed my savings account. I called and was told they had closed it due to the funds not being claimed. What were they going to do with my money? I was told they would investigate this and to call them back on Wednesday, XX/XX/XXXX with no direct number to call except their main phone line to go over my case and have my funds transferred back to my bank. They haven't communicated with me and I've been on hold for hours trying to resolve this with them. I just want my money back.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (TX)

I have been current on my car loan for well over a year. I called in on XX/XX/XXXX to make a payment and the payment was declined by the servicing company. I asked why they are refusing my payment and Exeter explained that my car loan had been charged off. I asked why and no one was able to tell me why. I was placed on hold in excess of 35 minutes and eventually they hung on me. I placed several calls over several weeks and was able to get the Vice President of the Charge off dept. on the line and he explained my loan was charged off in Error. My payments were still declined, and I was asked to allow them time to correct this in their system. It took them until XX/XX/XXXX to get this corrected in their system. I was Offred a XXXX extension to cover the XX/XX/XXXX and XX/XX/XXXX payment. They begin to accept my payments as of XX/XX/XXXX and was paid on time, However Exeter reported to my credit report that I was over 30 days delinquent when they refused my payments for 2 months Straight!
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (SC)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Consumer complaint received 2023-04-21
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: JPMORGAN CHASE & CO. (CA)

There are multiple errors in the listing that are damaging to me including, balance, payment status, and a date of last payment. JPMCB claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Trying to get my report and freeze my report with DataxLTD. They appear to have a process which is better than what I'm running into with the other CRAs. Their process requires me to fill out sensitive information and physically mail it to them. I dont necessarily feel comfortable filling out all of my sensitive information and emailing or physically mailing them copies of my drivers license ( or worse ) or filling out a piece of paper with all my info. I thought these companies were required by law to give me my report? Below is their latest reply but I will attach the email chain as well. 

Dear XXXX XXXX : Thank you for contacting DataX. For your protection, we only process Consumer Requests through the mail. If you would like to track your documents to see when they are received, you may certify your mail via USPS Mail. 

We are an information service provider that provides data into consumer payment history for the non-prime lending community. We are a Bureau ; however, the information we provide does not assist or adversely impact your credit as it is reported by the three traditional major credit bureaus. As a credit reporting agency, we do not make credit decisions and we are unable to provide specific reasons for the adverse action. We only provide information not credit scores. 

To keep your personal information protected and secure, we ask that you mail completed forms and related documents to the address provided below : DataX LTD XXXX XXXX XXXX XXXX, GA XXXX Completed Freeze requests must be mailed to the following address : DataX LTD XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number. 

Thanks so much
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-21
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX is counting XXXX as active debt and 120 % towards my credit utilization. It was legally agreed upon a price to mark this as paid. Remove the account and stop counting towards my credit utilization.
Consumer complaint received 2023-04-21
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. (NJ)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have an unauthorized inquiry from XXXX XXXX  on my Trans Union report. Trans Union was notified of this and has not taken any steps to correct the issue. I've attempted to contact XXXX XXXX but they directed me back to Trans Union.
Consumer complaint received 2023-04-21
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)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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 an account without my written instructions
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A. (GA)

On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. XXXX  XXXX. XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. PNC BANK-XXXX ). On the same date, and I never authorize any of these company to pull my credit.
Consumer complaint received 2023-04-21
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: CAINE & WEINER COMPANY, INC. (CA)

2. 15 U. S. C. 1681c section a4 states, Accounts placed for collection it charged to profit and loss which a sedate the report by more than seven years. The statute provides for a maximum length of time, not a minimum, and therefore violates the Fair Credit Reporting Act and should be removed immediately. Also, attempting to collect a debt written off by the original creditor and sold to a secondary company is unlawful and can not be collected. The continued reporting of this inaccuracy after repeated attempts to correct it has resulted in substantial personal damage.
Consumer complaint received 2023-04-21
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. (NJ)

I was on my experian credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called experian an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from XXXX XXXX XXXX then i immediately hung up and contacted XXXX XXXX XXXX on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with experian about 2-3 times already then experian was twlling me that the account is valid and I never made any payment. XXXX XXXX also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and experian. Experian took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.
Consumer complaint received 2023-04-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/ and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MoneyLion is a financial technology company, XXXX XXXX XXXX XXXX XXXX XXXX, Member FDIC. 


I HAVE A ISSUE MONEY LION SAID THEY FOUND NO ERRORS LIKE OF COURSE MY BANK WOULDNT SEE WHATS WRONG I WENT ON XXXX XXXX TO REQUEST A HOTEL FOR ME AND MY WIFE HONEYMOON BUT WHEN I GOT THE HOTEL THEY ASK ME FOR MY ID WHICH I FORGOT AT HOME THEY TOLD ME I COULD COME BACK WITH THE ID AND CHECK IN AND I TOLD NO THX I WANT A REFUND THEY SAID DUE TO THEIR POILCY THEY CANT ISSUE A REFUND EVEN THOE I HAVENT CHECKED WHICH I USE XXXX XXXX SO I COULD CANCEL MY Reservation. AT ANYTIME SO I CONTACTED CUSTOMER SUPPORT TO WHICH EVEN THOE I HAVE THE CANCELLATION FOR REFUND FOR ANY REASON THEY COULDNT ISSUE A REFUND ANF THE HOTEL TOLD ME I HAVE TO TALK TO THE BANK FOR A REFUND SO I SUBMITTED A DISPUTE SENSE I DIDNT GET MY MONEY BACK AND WAS LIED TO AND DIDNT GET MY HOTEL ROOM AT ALL I WAITED 3 MONTHS FOR THE DISPUTE TO BE COMPLETED TO GET MY MONEY BACK BUT TO MY SUPRISE MY BANK WHICH IS MONEYLION DECIDED DENY MY DISPUTE SAYING NO ERROR HAS OCCURRED IMAGINE IF YOU WERE IN MY SITUATION AND YOU LOSS EVERYTHING TO YOU WOULD BE XXXX XXXX TO I SAVE UP THAT MONEY FOR ME AND MY WIFE HOTEL FOR THE HONEYMOON AFTER THE WEDDING WE HAD TO WHERE WE WERE LIED TO BY XXXX XXXX REJECTED A ROOM SENSE WE DIDNT HAVE A ID and FOR MY BANK TO REJECT MY REFUND REQUEST LIKE HOW IS THIS EVEN OKAY AT ALL IF YALL EVEN HAVE A HEART YOU WOULD APPROVE MY request i WORKED HARD FOR MONEY LIVING PAYCHECK TO PAYCHECK ONLY WORKING FOR A FEW HOURS TO MAKE A LIVING AND STUFF ITS NOT FAIR THAT THE HOTEL GOT TO KEEP MY DEPOSIT AND XXXX XXXX LYING THEY NEVER TOLD ME ANYTHING ABOUT WHEN THE TIME REACH XXXX the cancel for any reason is no longer available they had me on long waiting time to reach customer support 5 hours and came up with Alot XXXX  excuse and my bank refuses to see anything wrong I want my bank to issue me my dispute of {$110.00} back to me
Consumer complaint received 2024-08-21
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. (TX)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports