davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX My XXXX XXXX was totaled. Between The insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .There was a balance of {$880.00} Which I paid. I received the original Bill of Sale from XXXX XXXX stamped PAID IN FULL on XX/XX/XXXX. In XXXX I received a alert on my credit report the the account had been charged off for the amount of {$120.00}. I immediately called XXXX and they said it was a balance due for that amount, I paid it on the spot and the Customer Service rep said that it would be credited immediately and the adverse entry on my report would be removed. I had no correspondence from XXXX Prior to that notice on my report. I have two letters from XXXX XXXX who informed me that as of XX/XX/XXXX the account was paid in full, neither said the account would have a charge-off paid statement attached to the file. I also have a recording from their phone system that the final payment was made on XX/XX/XXXX. The delinquincy on the credit reports state that it was delinquent XXXX, XXXX and XXXX, clearly it should be removed for that reason. I have tried several times to have it removed and the credit bureaus side with XXXX with no additional information.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. I WORKED HARD BY PAYING THESE OFF ACCOUNTS MONTHLY BUT THEY ARE REPORTING ME LATE. THAT IS UNFAIR!!
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX with account number XXXX, has 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with XXXX, XXXX and TRANSUNION on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Consumer complaint received 2022-12-21
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. (AZ)

In XXXX of 2022, I contacted each of the XXXX agencies and requested that my credit score be changed to XXXX XXXX  XXXX ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all XXXX bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Received mail from XXXX XXXX XXXX XXXX XXXX  Settle at {$0.00}!!! 
ON CREDIT REPORT INACCURATE PLEASE UPDATE ON ALL XXXX MAJOR CREDIT REPORTS
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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)

XXXX XXXX is in direct violation of FCRA Section 6802 ( a ). A financial institution may not, directly or through any affiliate disclose to a non affiliated third party any non personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. XXXX XXXX failed to inform Principal that it would be reporting Principals nonpublic personal information to a third party and failed to get Principals Permissable Purpose - 15 U.S.C.1681 ( a ) ( 2 ). Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. XXXX is illegally reporting this tradeline regarding transactions and experiences vioting principals rights under the FCRA and could be held for Fair Debt Collection Practices Act as well. I demand thus account be removed immediately.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid 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 (TX)

I already made a complaint to CFPB about this request on XXXX ... XXXX but CFPB closed because CFPB does not pay attention to details. 

I am unable to obtain a reply from Capital One regarding status of overdue refunds associated with my Capital Credit Card and with Capital One 's Affiliate Program Capital One Travel. Total refund amount being sought is {$620.00} comprised of the following : XXXX {$250.00} Capital One Credit Card XXXX purchased on XX/XX/XXXX  / Vendor : XXXX XXXX XXXX XXXX confirmed 100 % refund on XX/XX/XXXX  via email of {$250.00} but Capital has not yet credited my account.
Consumer complaint received 2023-11-23
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX
Consumer complaint received 2024-04-09
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2019-11-13
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. (PA)

TransUnion has not provided me with no proof or contract or sign agreement with XXXX that shows on my credit file. There has been no contract on behalf of Transunion nor XXXX that shows I agreed for century link to run hard credit XX/XX/ as it appears on my credit file. I have also file with the US Attorney on Transunion and XXXX XXXX to provide the document that shows I agreed to run credit or a agreement that show my signature for the said credit transaction. Transunion needs to provide proof from XXXX in documentation for not verbal or some made up XXXX of XXXX with nothing to support the claim in writing, contract, electronic signature of the said transactionXX/XX/19 by centurylink
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WI)

I opened an online CitiBank XXXX account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for {$1000.00} and another for {$10000.00} for a total of {$11000.00}. The life of the account literally only had those two transactions.

After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned. 
After further investigation I found that Citi is widely known for this type of predatory behavior among customers. During my research I found a number ( XXXX ) for the Citi executive response team. I talked with them, they were civil and polite, and I was able get a bit more information case # XXXX. They indicated the account can be closed without cause and they executed that right, but again, deflecting any real reason why the account was closed. They also indicated the funds may or may not be returned based on an internal investigation of which I have no idea what that investigation revolves around?

My concerns with all this are : I really dont know if Ill get my funds back.

The secrecy of these transactions seems incredibly predatory given that Citi is given an interest free loan for 60 days from x-number of customers ( including myself ). 
If the account closure is based on a concern that revolves around fraud and is indeed for my protection, there has been no outreach from Citi to rectify the issue. 
There is no due process regarding the Citi internal investigation which involves the affected party, in this case myself. My sense this is an actionable legal item if pressed? 
With the state of the banking industry incredibly surprised, any bank would act in this fashion considering I was depositing funds into the account.
Consumer complaint received 2023-03-25
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. (FL)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX XXXX has 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I tried to fix this issue with the creditor and the information provided by the creditor is not belong to me, please see the attached file and review all the highlighted information my First name is not " XXXX '' is " XXXX ''. 
on the contract agreement paper is not my handwriting, this company has violated my right. 

This is the tracking : XXXX XXXX XXXX XXXX XXXX of the first letter I sent to them to provide proof of the debts that reported on my credit report.
Consumer complaint received 2024-02-07
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. (PR)

On XX/XX/XXXX at XXXX I received a call and voicemail message from XXXX XXXX fraud department saying that they wanted to confirm suspicious activity with my information. I ignored the message because during that time I have been receiving many scam calls and texts to my cellphone. 

On XX/XX/XXXX, I was browsing my XXXX XXXX and found a hard inquiry done to my credit report that I had not requested or authorized. The hard inquiry was made on XX/XX/XXXX and the institution Information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I quickly went to Equifax and submitted an online dispute describing what had happened. The resolution came on XX/XX/XXXX, and it determined that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The whole result of the dispute is attached in this report. 

On the same day, I called XXXX XXXX, and they told me that they are not able to do anything about it and that I have to take the concern to a Credit Bureau. 

After that, I called Equifax. They added a fraud alert on my credit information and prompted me to make a report to the Federal Trade Commission. From the FTC, I was redirected to this forum.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I'm writing because I need your help with something big. It's about my credit report There's a website called Experian that's supposed to let me update my information, but it's BROKEN! Every time I try to change my address, it gives me a weird message and won't let me do it. I don't think its broken because im involved in a non profit credit counseling group and in the group they are helping us work on our own reports individually and 10 other people in the group that are of caucasian descent have no problem doing this, im not sure if im being singled out or anything. 

Here 's the even BIGGER problem : My report has addresses I don't even recognize! It's like someone else who has a similar name might be living where I don't! This is scary because it could mean someone opened accounts in MY name without me knowing! 

The worst part? My friend can use the Experian website just fine. This makes me think something might be wrong with MY account specifically, or maybe the website is buggy for some people. 

This is a BIG DEAL because : If someone opened fake accounts, it could mess up my chances of getting a loan or renting an apartment later. 

I can't even fix it because the website is broken, or " somthing ''
Consumer complaint received 2023-04-03
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. (OK)

Approximately 3 wks ago, I attempted to log into my Transunion account. It did not take my user name and password. I followed the instructions to reset the password, and was supposed to received a 2nd tier verification code via e mail. I did not received the emai. I attempted several times, and called Customer Service. I was informed that it was a technical issued and try the next day. This has continued over the last three weeks. I informed Customer Serice that I would talk to Tech Support for assistance. I was assured that would happed. It has not. I need help so I can log into my account. Thanks
Consumer complaint received 2023-08-18
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-06-19
Product: Credit card or prepaid 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: Paypal Holdings, Inc (WI)

I made a purchase on XXXX, payment collected by PayPal, with my XXXX card in XX/XX/2023. The item was for my wedding and was in my area after I left for my wedding. The package had to be signed for and I obviously wasn't home to get the package. The post office was supposed to send it back the beginning of XXXX and still has not. The XXXX seller refuses to refund me even though they're aware I never got the package, no longer need it and the post office hasn't sent it back. The post office has nothing to do with me so I don't understand why I'm being punished and stolen from. I filed a dispute with XXXX and they decided the charge was valid even though there's proof it wasn't delivered. I have zero need for the item now and it's not my fault that the post office still hasn't sent the item back. PayPal 's customer service was beyond useless. I was told I'd received an email to resolve this and still haven't received anything, 4 days later. There's NO explanation for PayPal not having customer protection when this kind of thing happens. I kept being told I had to have a PayPal account to file a dispute. When I made the purchase, I had a PayPal account but because the transaction was through XXXX and not PAYPAL, there was no recored of the purchase on my PayPal account which I've had to tell PayPal multiple times because apparently everyone is incompetent. I literally just want my money back for the item that I NEVER RECEIVED. How does PayPal allow XXXX payments but offers ZERO consumer protection when it comes to disputes?!?!?!