davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (FL)

The XXXX XXXX XXXX XXXX in Texas sent {$920.00} to collections with my name and ss #. I spoke with them today XXXX, they confirmed that the account sent to collections is fraudulent. Although they have MY ss # they have the name and address incorrect and stated to me it was fraud. According to the XXXX XXXX XXXX XXXX that acct was opened in XX/XX/year>. On my credit report it states that it was reported on XXXX.
Consumer complaint received 2023-12-19
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital 1 auto The Account opened XX/XX/XXXX Original debt XXXX Capital- charged off debt Product was deemed a total loss XXXX XXXX  coverage paid Capital 1 value of car Capital 1 worked closely with the payer insurance company and reported negative on my account to credit After Capital 1 accepted the total -loss insurance payment and they never reported amount to all 3 credit agency I filed a disputed XX/XX/XXXX because Capital 1 wasn't reporting inaccurately and improperly handling my account information The only resolution was to remove however, company chose to update debt from {$35000.00} to {$3800.00} I recontacted Capital 1 to reach a settlement because paying vehical early made me not subject to interest rates which would've occured throughout 5 year term We agreed on a XXXX $ payment arrangement until gap insurance check was received. 
Capital 1 was offerering settlement of XXXX dollars I negotiated XXXX $ would settle debt. 
Gap insurance set XXXX $ Instead of removing negative inquries and reporting payments Capital 1 charged off account. This should read paid.This account was mishandled I want this account removed not updated. 
This is in violation of accordance 15 us code and 1681s2. All information reported has not been correct.Information being reported to credit agency aren't reporting same information to XXXX, experian, and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX credit card XXXX Card maxes out at XXXX Reports highest limit as XXXX Account was as opened in XXXX Account suffered fruad/ theft activity and underwent investigation They shared my information with XXXX XXXX that the account was potientally negative I contacted XXXX XXXXl because payment should've been received by institution.They notated my account and updated inaccurate information report to credit institution. I want the account removed.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

Amex gift card awarded for job sales competition. This is a basic digital only card #. I have tried using this as XXXX, XXXX, XXXX, XXXX, and a couple others. ALL rejected. I have contacted Amex gift card customer service where it seems they do not understand anything about their own gift cards.They offered no solution and told me to keep trying other stores. This is not a valid solution. Total card value is {$1500.00}. Their website says they are accepted virtually anywhere Amex is accepted. This is a complete LIE. They need to be held accountable for this practice. The solution is to provide a REAL gift card where users can attach their name/address so that when retailers try to security check them they pass. Do not simply refund the gift card as this was not purchased directly by me.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I can not get ahold of a supervisor or U.S. representative of Capital One / Quicksilver credit card. I have {$1900.00} in fraud charges.

I have received broken up information on these but still don't know if they are taken off completely. On these I am receiving late fees and interest charges...

The XXXX  problem is on XXXX  XXXX XXXX I stopped payment on a charge not authorized by me. The charge was removed from XXXX XXXX XXXX in XXXX XXXX, California. 
This was NEVER paid out ..and after XXXX  days the dispute ended. This company is fraud.XXXX XXXX to move my household furniture..broke alot of it and didn't finish job. 
I have photos. 
I have received {$660.00} of this money..I am owed {$1300.00}.. {$2000.00} - {$660.00} = {$1300.00} ... correct?.. 
The XXXX problem I made a payment on XX/XX/2024 to Capital One. This was negotiated by their bank on XX/XX/2024 which they say they never received... deposit # XXXX. 
I believe this mess started in XXXX... I have tried to speak to girls who say they are EQUIPTED..to help me..from some XXXX XXXXXXXX they have no clue! I need my money..this is the second time I have gotten fraudulent charges on XXXX cards..they say I have a new card??? I do not. I want my money back and I will no longer do business with them..This company has put me in collections and dropped my XXXX XXXX XXXX  to XXXX ... .Ii need this money I am on XXXX XXXX a fixed income... Thank you so much for your help.. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-13
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. (FL)

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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
Consumer complaint received 2024-07-23
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. (MI)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX  XXXX {$520.00} XXXX update to never late XXXX  {$820.00} XXXX Remove acct XXXX  XXXX  {$0.00} XXXX remove acct XXXX XXXX  {$0.00} XXXX remove acct Integra XXXX {$0.00} XXXX remove acct Dept Of ED {$0.00} XX/XX/XXXX - update to never late Dept Of ED {$0.00} XXXX update to never late Dept Of ED {$0.00} XXXX update to never late Dept Of Ed $ XXXX update to never late Dept of Ed $ XXXX update to never late XXXX XXXX {$500.00} XX/XX/XXXX - Remove acct XXXX XXXX {$480.00} XXXX remove acct XXXX XXXX {$820.00} XXXX XXXX acct XXXX XXXX  XXXX XXXX {$9800.00} XXXX XXXX acct XXXXXXXX XXXX  XXXX {$520.00} XXXX XXXX acct XXXXXXXX XXXX XXXXXXXX {$520.00} XXXX remove acct XXXXXXXX XXXX XXXXXXXX {$660.00} XXXX remove acct XXXX  {$130.00} XXXX remove acct XXXX XXXX remove inquiry XXXX XXXX XXXX XXXX XXXX XXXX remove inquiry
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I applied to the " XXXX XXXX '' credit card, being enticed with their {$200.00} bonus in XXXX of this year. I was approved & the card was mailed out to me. Today, XX/XX/XXXX, I called to verify how much had to be spent to receive the {$200.00} bonus. 

I was put on hold and transferred to an agent who stated my credit card didn't come with a {$200.00} bonus offer, and that my application was switched mid-application to one without a bonus offer. I was NEVER given the option to opt-out or decline when I was filling out their application, nor was I told during the application process that they weren't approving me for the card that I had wanted. This is an unethical, illegal bait & switch. I have excellent credit and pay all of my bills on time. I have never experiencing anything like this in all my years of utilizing credit cards! 

I asked them to resolve this somehow or switch me to the proper product, which is the ONE I APPLIED FOR and although I was supposedly speaking to " a manager '', they said there was no resolution at all.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 is XXXX 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-21
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. (MI)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Uplift, Inc (TX)

I was double charged for an amount of {$160.00} each by Uplift on XX/XX/year>. I contacted them the same day asking if one of my payments towards the loan could be refunded back to me. I spoke with a rep named XXXX, who informed me that one of the payments could be refunded as this happens all the time. 

I then received written confirmation that a refund was pending. 

XXXX XXXXXXXX XXXX, showed me on the banking app transactions that a refund was pending. It showed this on XX/XX/year> & XX/XX/year>. Today, XX/XX/year>, it now shows no refund pending and a double charge again. 

Today, I spoke with XXXX from XXXX XXXX XXXX who informed me I could file a dispute and so I did. She informed me that there was no refund pending but that double charges can easily be fixed. 


I then called Uplift again to confirm that a refund was pending which the rep, who is also named XXXX, informed me that it was pending and showing a refund was processed on their end. 


One institution is saying a refund has been processed while the other is saying the opposite. {$160.00} is now missing and no one has any idea where it is.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

I have disputed this item with XXXX on several occasions with complaints this debt is not mines the company had originally posted the same debt twice with two different balances then the debt was sold and the collection company taxed on a completely new balance I finally was able to get someone on the phone to contest the debt was not mines and demanded the original contract without hesitation because I knew this debt was falsified they promised to do so but later contacted me by mail refusing they insisted that I provide documentation proving Im not the original borrower in disbelief I contacted XXXX to dispute once more XXXX updated the debt I was furious XXXX states they are limited to requesting certain items during dispute process that I needed to contact the CFPB to request this item to be investigated further and be removed
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (TX)

This is with Discover. I understand that I entered a program with them where they would reduce my interest and freeze my card in order for me to catch up on payments. But for them to tell me that even if I pay off my debt with them I still wont be able to use my card until I completely fix my credit with other companies is ridiculous. It shouldnt matter what I have going on with other credit card companies and collections. As long as Ive paid off my debt with discover then they should let me use my card. I dont think they deserve my monthly payments if theyre still going to keep my card from me at the end of the day.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I asked Experian several times for validation of my bankruptcy since they keep sending me results saying its Accurate or Verified but to no avail they do nothing. Its my rights under the FCRA that they provide me with these original documents or contracts of the bankruptcy if i request them.
Consumer complaint received 2023-04-30
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. (OH)

From XXXX to XXXX of 2019 My account reported 90-120 days late in which I immediately noticed this change and contacted the loan company. I corrected them letting the know I was still enrolled in college in which case there is no possible way to be late as they are federal student loans. They have a grace period of 6 months after completing your education to begin payments. They apologized for the mistake and corrected my account status however they did not revise the months for which it reported negatively on my account. This has been hugely damaging to my credit over the years following and has never seem to have been corrected. Under section 15 U.S.C 1681-1685 I have the right to fair credit reporting. I have likely paid thousands more in day to day purchases thanks to this incorrect reporting that has been around for the entirety of my adult life. If this is not corrected I will need to seek legal help in the matter.
Consumer complaint received 2024-05-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (FL)

On XX/XX/2022 I emailed all the requested documents to chime at XXXX and I received a email reply stating that my remaining balance would be sent in the mail.It has now been a XXXX XXXX XXXX XXXX  and I havent gotten anything from chime. I had {$23000.00} in my account and at the time of sending the requested documents my account had been suspended for XXXX years.
Consumer complaint received 2024-05-22
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: ID Analytics, Inc. (FL)

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Amount : {$25000.00} 15 usc codes 1681c 1681b 1666b 1692c 1605ai
Consumer complaint received 2024-05-22
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: LEXISNEXIS (FL)

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Amount : {$25000.00} 15 usc codes 1681c 1681b 1666b 1692c 1605ai
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-04-30
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. (TX)

Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on with this, The credit bureaus have Zero respect for the laws.

they need to be held accountable for their action toward consumer thanks