davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (NJ)

I am writing to file a formal complaint against Equifax due to its failure to address inaccuracies on my credit report despite my efforts to dispute them. On XXXX XXXX XXXX I sent a dispute letter to Equifax, requesting an investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, I did not receive a response from Equifax with investigation results. The Fair Credit Reporting Act ( FCRA ) stipulates that if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is apparent that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act. Enclosed, please find a copy of my dispute letter sent to Equifax as proof.
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

XX/XX/2022 we met with the XXXX XXXX salesperson and asked for the advertised special, we were told that the special was not an upgraded carpet, so I then picked out the carpet and laminate. The salesman made an error writing {$6800.00} and the contract was changed to {$5800.00}. The laminate was done fine, XX/XX/2022 the carpet was being done, the master bedroom carpet done by the assistant who spoke no XXXX was fine the rest of the carpet was not. I contacted the salesman sent a picture and he said call warranty the carpet looks defective.Not even XXXX weeks the carpet was matting, rippling, horrible. I sent pictures to XXXX as directed by XXXX XXXX XXXX who then says I didnt vacumn the carpet, I need to have the new carpet washed, and no warranty. I requested a qualified person to come see the job it never happened on XX/XX/2022 they send back the same non speaking person to look at it and say its not his installtion sign my phone I was here, after that XXXX sends me a completion form that the man sent her, nothing was completed. I did a dispute with XXXX XXXX after paying {$3200.00} dollars and won. I never had my inspection /warranty nothing. I received an email from collections we will replace the carpet if you pay the balance which was incorrect and I said you did a bait and switch on the carpet send me the special offer pricing I should have had and they said no, sent me to collections for a higher amount as they gave them the wrong contract price. I told the collections that and sent them a cease and desist letter. The balance owed to XXXX is and was {$2500.00} for upgraded carpet not spotlight seires which I found out is what I got. I have to remove this bad carpet at my expense and XXXX should be shut down.
Consumer complaint received 2023-03-22
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. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIANXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a SECURED Capital One credit card in XXXX. The representative gave me inaccurate information. She advised me, that I could add {$300.00} more to increase the credit limit to {$500.00}, but DID NOT mention, that I should not make any purchases until I added the money. Unfortunately, her inaccuracy resulted in a less than desirable credit limit. Initially, I was advised, that I could request an increase in ninety days ; which wasnt the case. I spoke with the supervisor XXXX XX/XX/XXXX and XXXX XX/XX/XXXX regarding the injustice, and increasing my credit limit. Plus, I spoke with other Capital One supervisors regarding increasing my credit limit.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

Hi, my PayPal account was Permanently limited from Paypal when I created it, just a few minutes of creation of the paypal business account I got an email and notfication from paypal, and they provided me the Reference ID : XXXX, i think the account was suspended on XXXX XX/XX/2023. 
then i tried to message them but they told they cant provide any service to me as my account has a limitation. 
So i decided to ask the support if they could resolve the issue because i didnt do anything which is against their guidelines i also told them that i have every billing or tracking number from eacher customer i had... but also then they didnt resolve the issue. 

I have opened PayPal account so i can make transactions because i am doing dropshipping business so I have provided the website so that they see i dont sell any products which are against the terms and conditions... I tried to open new accounts but they got banned instantly without even making sales... 
So thats the reason Im here to say you about my problem because i tried a lot of contact them but still they have no reasons and not removing the limitation from my paypal account
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This Company reporting a debt thats been charged off by a third party. The information is inaccurate on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.With the debt being charged off I never received a 1099c debt cancellation form from the IRS. Not to mention this Company have violated my rights under Code U.S.1681s-2 ( a ) ( i ) ( a )
Consumer complaint received 2023-04-14
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. (KS)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-05-03
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: Capio Partners, LLC (FL)

In XXXX 2023, Capio Partners added 2 collection accounts to my report for XXXX and XXXX. I disputed these as Ive never signed an agreement or entered into a contract with this company. I disputed this on the credit bureaus website and they came back and deleted the one for XXXX but said they couldnt verify this was incorrect for the XXXX but I submitted all info to them on both. I dont owe these balances and have repeatedly asked them to remove the final XXXX from the report then this morning on XXXX, they have added both of them back after they removed one and kept the other one with no regard for the fact that it was already removed once. This is a violation of FCRA because they havent provided the required contract I would have signed with them on these debts. Please have these removed from all my credit reports as I dont owe these nor have I ever signed an agreement with these people. Im willing to consult an attorney if needed but am hoping since the CFPB is for the people for proper treatment this will be resolved. My score had dropped XXXX points due to debt I dont owe. I havent made a late payment in over 12 years and this is ridiculous at this point. Please HELP!
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: American Cash Exchange Enterprise of Tennessee, LLC (GA)

I received an email from XXXX XXXX case # XXXX XXXX XXXX XXXX 
State I received XXXX which I never received. 

I have an family emergency and applied for loans so my personal identification is out there.

I just recently changed my bank account # number to protect me. The fraud dept is watching my account closely.

I have not been able to post on the 3 credit reports that my ID has been exposed and being used. 

Please help me Thank you XXXX
Consumer complaint received 2024-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A. (NJ)

On or about XX/XX/year> my Retirment CD  was changed to an XXXX plan. I was not advised via mail or via a telephone call that it was renewed for five years at a very low rate, without my permission. Should I withdrawn my funds from the annuity I was advised by the bank that I would incurr more than {$7000.00} in penalties. 

When I was transferred to the Manager who was involved in charging this penalty he was rude and his explanation literally made no sense. When I told him I did not receive notice that the annuity would be renewed, his response was that they did provide me with notice of renewal. 

It must be stated that I never received noitce of the renewal. No one contacted me about what occurred. I know one employee at the bank is aware that it waw not fair to me, aned that I did not receive notice. If she speaks out in my favor they will terminate her. 

Please help me. kINDLY REVIEW THE DOWNLOAD OF DOCUMENTS
Consumer complaint received 2024-01-29
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. (FL)

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Bank date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report, I've noticed unfamiliar items that seem to indicate potential XXXX XXXX, as I did not authorize these accounts. This issue has been previously discussed, and I am now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial responsibility. Dealing with this situation has been challenging, and if a resolution can not be reached, I am prepared to pursue legal action to safeguard my rights and find a resolution. These inaccuracies are significantly hindering my ability to achieve important financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$7700.00} XXXX  XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$0.00}
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 am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. Specifically, I wish to dispute item related to an account with : XXXX  XXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX and Dept Of EdXXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY ()

Last year my friend transferred me XXXX through Wells Fargo Bank, but the bank staff put in my account number wrongly, so I didn't receive the money, which partly caused our financial issues and loss. Because my friend didn't have an account in Wells Fargo Bank, so the money will be returned his account in the XXXX XXXX. But because he broke the code of conduct undeliberately, his XXXX XXXX account was locked. So we can't get the money. My friend contacted the Wells Fargo Bank customers service, but they said we can only get the money after my friend 's account is unfrozen. 
But we really need the money to resolve our present financial issues. I hope the Wells Fargo Bank can continue to transfer the money to me.
Consumer complaint received 2024-05-01
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

As XX/XX/24 I noticed that XXXX has allowed false information on my credit file, violating FTC Section 807, associated with a closed XXXX XXXX Account ending in XXXX for {$13.00} & or {$13.00}.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX have noticed a fraudulent account appearing on all three of my credit report. 

XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$20000.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NJ)

I recently discovered some fraudulent activity involving my identity and I believe I've been a victim of identity theft. Back in late XXXX, I reached out to the company associated with a particular card that I was unaware of, expressing my confusion and seeking information about the account. However, they were unable to provide me with any details. 

As a result of my debit card being used online without my knowledge, I strongly suspect that my personal information has been compromised. Following this realization, I promptly provided them with my correct address and email details. Unfortunately, despite my efforts, I never received any further communication regarding this matter or the account in question. 

I made it clear to the representative that I have no recollection of opening such an account, especially considering I only returned to New Jersey in XXXX after residing in XXXX between XXXX and 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. (MI)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (KY)

Paragon Revenue Group is trying to collect {$5500.00} from me. This was from XXXX XXXX XXXX XXXXXXXX in XXXX KY back in XXXX. This was a workers compensation case. They were 100 % liable. They said they didn't get the info. I took them the information probably 4 times, even had our HR at work send it too them. At the time of treatment I even had XXXX XXXX health insurance. Either would have paid for this and they refuse to bill them. I even told them to bill my health insurance and I would pay the deductible and they still won't. I mean I don't know what else to do. I pay for insurance for a reason. And my employer pays workers compensation for a reason. Every other bill was taken care of by the workers compensation and zero issues but XXXX XXXX XXXX just won't do their part.
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. (TX)

I am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  Balance : {$5700.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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.