davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We are not sure why we are being charged Finance Charges of {$20.00} by Kohl 's Credit card ( operated by Capital One, N.A. ) We returned defective orders # XXXX, XXXX, XXXX. Total credit for the defective gift card return was to be {$1000.00}. 

XX/XX/XXXX XXXX # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$300.00} XX/XX/XXXX XXXX  # XXXX {$400.00} The defective gift cards were returned via XXXX Tracking XXXX XXXX XXXX on Friday XX/XX/XXXX XXXX XXXX   and signed for by XXXX XXXX, XXXX Tracking XXXX XXXX XXXX on Monday XX/XX/XXXX XXXX XXXX and signed for XXXX XXXX XXXX & XXXX Tracking XXXX XXXX XXXX on Tuesday XX/XX/XXXX XXXX XXXX and signed for by XXXX. XXXX. 

We were instructed by Kohls.com customer service several times to mail back the items and the damaged packaging. 

We have notified Kohls ' and Capital One, N.A. numerous times about the disputes as required. We have called and mailed letters to Kohl's/Capital One, N.A., XXXX XXXX  XXXX, XXXX, WI XXXX. We have heard nothing from Kohl's/Capital One, N.A as of today.
Consumer complaint received 2024-04-11
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. (IN)

I reviewed my Consumer Reports from XXXX, XXXX Equifax etc. and noticed my account with inaccuracies that I was never seen. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never had inaccuracies like this for XXXXXXXX XXXX  XXXX account XXXX Please investigate and provide Proof with statements If proof can't be provided, I demand these payments be updated to on time as they should be as I was never Late. Thank you.
Consumer complaint received 2023-06-19
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. (NV)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
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. (GA)

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. 

XXXX XXXX XXXXXXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX  XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 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.

15 U.S.C. 1681 section 602A, A. States that I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states that 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 the records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-12
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. (MN)

I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.
Consumer complaint received 2024-04-10
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. (CA)

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXXXXXX XXXX account # XXXX
Consumer complaint received 2024-04-10
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. (CA)

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXXXXXX XXXX account # XXXX
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all XXXX agencies must report same information Experian has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Experian has Ref # XXXX XXXX has month of discharge - None XXXX has month of discharge - XX/XX/XXXX Experian has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Experian shows address - XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Experian shows Type of Court - XXXX XXXX XXXX XXXX shows phone # XXXX XXXX shows phone # XXXX Experian shows none
Consumer complaint received 2023-06-19
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. (TX)

The independent bankers bank is reporting on my credit without providing who they are. They take soft and hard inquires with the intent to reduce my credit report and supported by XXXX, Experian, and XXXX to reduce my fico score without notice to who they are and what they are about. I have no clue who this is and how they feel they are involved in my credit report unless its fraud. I truly believe this is an act of fraud unsupported by XXXX Experian and XXXX to drive fico down for credit companies.
Consumer complaint received 2024-04-10
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)

I am writing to follow up on my previous dispute regarding several negative items on my credit report. Despite my repeated attempts to rectify this situation, I have yet to receive a satisfactory resolution. It is concerning that these items remain on my report despite clear evidence of their inaccuracy and lack of verification.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX 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 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 2023-09-19
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: EQUIFAX, INC. (AZ)

a letter was mailed to XXXX via a dispute XX/XX/23 going over some items that i felt were inaccurate. The company has yet to respond and correct the issues on my score affecting me from buying a house.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I'm profoundly worried about the presence of this late installment for me, particularly taking into account my steady history of making ideal installments. Its presence is causing me huge pain, and I entreat you to redress this blunder speedily by eliminating it from my record.
Consumer complaint received 2024-04-10
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. (GA)

There are erroneous hard inquiries from these companies on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these and I called XXXX and Equifax on XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2018-08-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am asked that XXXX XXXX  re-consider they decision. As I stated, I was unaware that my payment increased to {$1200.00}, so I sent in the regular payment of {$1100.00}. Thereafter, I discovered that my XXXX payment was short and since received a late payment mark on my credit report. At this time, I contact XXXX XXXX escrow department and they agreed that the payment might have change in error. They review my account and performed an escrow analysis. They reduced my payment as close to the original payment the following month. ( See attached escrow Analysis )
Consumer complaint received 2023-10-16
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: YSA ARM LLC DBA Oxygen XL (FL)

Supposedly is a " parking ticket '' from over a year ago which I called the company that manages the lot numerous times and never got ahold of anyone, I would be on the phone on hold for over an hour and when I looked into the parking management company they own the dept collection company as well and I believe i am being scammed and they wont stop harassing me
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

This is Fradulant account I didn't open. Now they are charging me {$960.00}. I currently have a XXXX XXXX account. But they charging for Cell. I DONT HAVE ANY XXXX XXXX line. Please remove this from record. THANK YOU
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-11
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)

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is a result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the company associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite this, the account remains on my credit report with your bureau. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-04-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (KY)

I took a loan out in 2020, because I was out of work from XXXX. I'VE NEVER MISSED A PAYMENT. They won't let me refinance I still owe over half the loan. I'm struggling to pay it and try to work with them, but nothing. The company is one main financial.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

Received call on XX/XX/2023 from branch manager stating that there was an issue with my type of address. I explained that I have had to travel a lot for my job and live in an RV. I've used XXXX  boxes for my address given that I have to move RV lots often. 
She understood and said she would make some calls to figure out what could be done for my situation. She said I would still be able to use my account for the time being and they would reach out to me after they found out more. 
On XX/XX/2023, my debit card was declined even though I had sufficient funds in my checking account. I called customer service and they told me the hold was due to the address issue and I would have to go into a branch to get it resolved. I made an appointment with a local branch. One of the bankers called me for more information regarding the appointment. I reiterated my situation to him. He said he would make calls to find a solution. He called back and said that I had to provide a physical address and provide proof like a bill that would have the physical address and my name. He also referenced letters the bank mailed but I never received regarding this policy. I do not have anything that would fit those requirements, other than my XXXX box. I was able to print my latest invoice from my RV Park but that was not good enough because it was a business address and not from the last 15 days or on official letterhead. I asked if they could at least lift the hold temporarily to get some cash from my account so that I can get some cash to get gas so I would able to go home today. They said yes that shouldn't be a problem. When we went to do the transaction, the banker said the system wasn't letting him do it and there was nothing they could do. I asked if I were to close my account, would I be able to get a check with my funds on it. The bank informed me that with the hold and without the physical address, I am not able to do anything. I am not even able to close the account. Ultimately, I have no way of accessing my funds without submitting a qualifying physical address and qualifying documentation, which would be reviewed. Once reviewed and the address is verified, then I would be able to close my account.
Consumer complaint received 2024-04-10
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)

I am concerned because someone is using false names and social security numbers to use my credit. On XX/XX/year>, I sent Equifax a letter about a collection account, XXXX  XXXX ( XXXX XXXX  ) XXXX, that is showing up on my credit report. I want to clarify that this is not my account and I never opened a credit account with XXXX XXXX. As an individual with excellent relationships with banks, I believe this is a mistake and I am worried that my letter from last month was ignored.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.