davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX  XXXX. 

Upon information and belief, XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

Upon information and belief, XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX  XXXX rather than XXXX credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX  XXXX Accounts to third parties.
Consumer complaint received 2023-05-29
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. (NY)

XXXX XXXX loan balance should be {$0.00} and was updated on XX/XX/23. All other credit bureaus have updated there records besides Experian even after I submitted letter from XXXX stating I have {$0.00} balance. Experience still shows owing {$110000.00}.
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)

I have XXXX unauthorized/fraudulent inquiries on my XXXX XXXX  report from XXXX XXXX attached I have XXXX unauthorized/fraudulent inquires on my Equifax credit report attached I have XXXX unauthorized/fraudulent inquiries on my XXXX credit report from XXXX report attached
Consumer complaint received 2024-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I transferred {$1000.00} USD to my bank account, which was verified with them beforehand, today at XXXX XXXX. I then receive an email from them ( Venmo ) saying my account was suspended due to " suspicious activity ''. That amount was sent to me by my boss because of a bonus I received. She told me her preferred method to send money is Venmo, so I gave her my Venmo account. Take into account that this is not a new account, I created it two years ago. Also, this seems to be a communality where Venmo suspends accounts left and right, with some of them having no resolution for even years after their account was suspended. With even thousands and thousands of dollars just frozen in their account for no apparent reason. Please help me investigate this and I hope that this gets resolved soon.
Consumer complaint received 2024-05-19
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 XXXX bankruptcy filing was done trough XXXX XXXX XXXX company, I soon discovered that the third party fraud for forcing the natural woman to pay with promise to pay legal tender when the original lender is the natural woman by indorsement/signature. I wrote them via email XXXX, XXXX. I was asked what do I want but was not sure how to remedy the situation so I explained that it was fraud and would always be fraud.. Unaware that my information was still being used, I later discovered that a mortgage was taken without my consent and no benefit to me at XXXX XXXX. I also attempted to access my credit in a transaction promise to purchase a property and again it was used with no benefit to me. Recently opened a bank account at XXXX, signed by : Creditor Grantor to get a credit card and was denied, claiming bankruptcy filing XXXX years ago. I can not be denied my own credit based on the law. I have unconditional Bill of exchange, rights.
Consumer complaint received 2024-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (RI)

A little over a year ago I started receiving calls and letters from a lawyers office stating I owed approximately {$1000.00} for an XXXX  visit I had in XX/XX/XXXX. I called the lawyers office right away disputing the bill saying I had health coverage at the time of this visit and it was completely covered by the insurance, they just said okay and filed a dispute. They stopped contacting me after that for about XXXX months and then XXXX day I saw it reported as a collection under my credit report. I then went through all the credit agencies and once again disputed the claim, it came back several months later as claim is accurate debt is still owed the most recent dispute I put in ( XX/XX/XXXX ) I included supporting documents of my health policy at the team and a receipt stating the visit was PAID IN FULL by my insurance. They continue to report the claim as accurate when it is not because it was paid for by insurance.
Consumer complaint received 2023-10-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-06-07
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. (SC)

this company has been reporting inaccurate and false information on my credit profile. it has been causing me great emotional and physical distress. I am unable to function properly daily because of the damages this company has caused me please see attachments below
Consumer complaint received 2024-04-05
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. (IL)

I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.
Consumer complaint received 2024-04-03
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)

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts open in my name. Please remove these accounts. I have never opened these accounts or used these services with these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

They refuse to correct any issues on my account. The amounts and the schools that's associated with my account is incorrect. I received a letter years ago saying some of my student loans will be dismissed and Mohela don't even have a record of the school ( XXXX XXXX ). They took XXXX school and added about a XXXX loan to it. The school don't even cost that much ( XXXX XXXX ). I have been asking for years for this to be corrected. They keep taking my account off the income driven repayment plan and put it on forbearance. They do not have the correct time I have been on the income driven repayment plan. They blame the XXXX XXXX XXXX  and will not fix it or take responsibility. I was on the income driven repayment plan long before I was forced to go with Mohela. Then they sent me a bill for oveXXXX XXXX XXXX  monthly after I received a letter saying my payments was {$0.00}. Mohela is the worse serving company. The wait times are hours and then they still don't help you.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have bee a banking customer with Bank of America for XXXX years and during the course of those years there have been issues that I have disputed about overdraft fees and/or unauthorized transactions. In the more recent years their see became better and most issues were handled quickly or resolved.
Consumer complaint received 2024-03-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (NV)

I have been trying to get the balance due on my card for {$780.00}. 
Every time I call they tell me the check will be mailed to me. 
I still haven't received a check. 
I first called at the end of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Every time I call they assure me the check is in the mail. Twice now I've requested to be transferred to a manager. I get put on hold for over 45 minutes.I have yet spoken with a manager. 
I also have asked to speak to the accounting department and was told it's not possible.
Consumer complaint received 2024-05-17
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. (VA)

I received alert from a credit bureau on a new report submitted to them. It stated that there is late payment and/or no payment for certain amount of money to the company. I do have no idea about what that loan was because it is not mine at all. I am not at liberty to explain the security and/or exchange issue for fear of regulators checking my credit report and take more points off my credit score. But to be a little frank., some other similar activities destructed my credit score by XXXX [ XXXX  ] points in XXXX [ XXXX ] days with no justification and/or any default or unpaid credit or anything to mention at all. FICO score is going down at unusual speed which is strange.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (LA)

On XX/XX/2023 My daughter and myself went to purchased her a vehicle from XXXX XXXX. We specifically ask for payments to be from XXXX dollars, the sales stated he can make it happen. He asked how much of a down payment did we have we stated XXXX dollars he stated the bank Ally are asking for more at least {$1000.00} dollars to help get our payments in that range. As we brought the {$1000.00} dollars the payment and interest rate changed. My credit score at this time was above XXXX. The dealership claimed to have put new tires and oil change on vehicle upon sale. The dealership also stated that it would be no out of pocket cost for the repairs for ac not being able to turn off. The dealership also didnt state that the car transmission problems. The car was sold without being properly inspected. The contract itself is breaking federal codes.
Consumer complaint received 2021-05-19
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. (PA)

XXXX XXXX XXXX  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) XXXX  XXXX - 17 late payment reporting including 6 months of being reported as XXXX Equifax XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting XXXX To Equifax they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC (CA)

Concora credit recently three months purchased my closing account with XXXX XXXX XXXX. The company has harassed me with calls and emails asking me to pay the balance, or how I would like to pay my balance. I have a letter of a woman named Genisis, who I explained to to when I first learned this when they called me. I received a letter from them saying that my account has been closed. I also got a notice that they still owe me a credit of XXXX dollars. However, nothing has been adjusted by this company. Im overwhelmed and feel very violated of my rights as a consumer. That a scam, fraud and financial exploitation is occurring. This must stop. There are making false reports to the credit bureaus.
Consumer complaint received 2023-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I got a loan with XXXX XXXX in Georgia. I have been paying on this loan and it seems to never go down at all I refinanced it but I have paid way too much money and they still told me my balance is {$3500.00} I know I be late like 12 days or so but never months behind every time I pay they tell me it will go down but when I ask the price again when I speak with them they still say the same as it started my payoff balance. They are just taking my money I will never pay it off.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of 2019 I was going through financial hardship, and I couldn't afford the minimum payment. I was fairly new to credit, I thought I would pay a late fee and maybe get hit 50 points. My credit score took a huge hit from that missed payment, and I have been making on time payments trying to repair the damage.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

During XXXX and XXXX of XXXX, a XXXX  wallet company named XXXX XXXX XXXX XXXX XXXXXXXX based out of XXXX XXXX took out close to {$8000.00} from my Citibank debit card, without my knowledge or consent, I contacted them to let them know about this and to demand that they return my money, they acknowledged that some rogue employees within their organization had in fact committed fraud, but there was nothing they could do about it, they asked that I dispute the transactions with Citibank directly, and they said that when Citibank contacted them about the fraud they would not fight it. I reached out to Citibank with this information and they started an investigation, within days they informed me that their investigation results pointed to the fact that I was responsible for those transactions, they never attempted to get in touch with XXXX XXXX, I asked if I could appeal that decision and they said they'd reinvestigate, a few days later they reached out to me with the same results, I asked for proof that they had spoken with XXXX XXXX, they neve sent any proof, XXXX XXXX told me that no one from Citibank ever got in touch with them, this happened three times, after that I just gave up.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AK)

I was victim of a scam via XXXX XXXX XXXX XXXX platform which stole the money and did not invest money as promised. I am trying to resolve this via Coinbase since much of the funds were sent through this platform and digital currency claims to be transparent.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a police report from my local department. I explained to them how me & 200 other people were defrauded ( wire fraud ) by an online company called XXXX XXXX. ( You can XXXX and see all the several lawsuits against them. ) I went through lines of credit to build an XXXX XXXX wholesale business. I got capital off the Quicksilver credit card by getting it liquidated to pay cash for wholesale business. I wire transfer them the funds to run an XXXX wholesaling business & signed a contract that included money-back guarantee if I didn't get a return of investment. I filed a complaint with the FTC, Internet Crime Complaint. The company, XXXX, shut down. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now Capital One is attempting to go after the alleged debt via the straw name in all caps FIRST NAME, LAST NAME. I have repeatedly request Capital One to provide me a copy of the original agreement, also known as the " contract '' bearing my wet blue ink signature. A mere printout does not legally prove the existence of this alleged debt. Again show me signatures for each transaction, to establish the validity & authenticity of this alleged debt. Capital One wasn't present at each transaction. They have failed to give me full verification to prove the accuracy.

Next is this credit card secured or unsecured debt?

If it is secured, please provide the original statement that I signed saying that I pledge my assets or my bank account as repayment. If it is unsecured, that means this is an open revolving credit line & I would authorize you to discharge this debt to the Treasury 1st and then the IRS 2nd. Also does Capital One have authority to collect a debt outside of the parental/international jurisdiction. ( Do you have a good standing license to collect debts in other states and to do business in other states. )
Consumer complaint received 2018-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/XXXX, I went to XXXX XXXX XXXX Emergency Room in XXXX MD. I was treated there and I had health insurance. I was covered under XXXX for You. 
On XX/XX/XXXX I received a bill for {$810.00} from Transworld Systems stating that they now owned the debt I had with XXXX XXXX XXXX. 

I reached out to the hospital, the debt collector, and my insurance company and it appears nobody will help me out. 

The hospital is now saying they have nothing to do with it, the debt collector is saying that they can not submit anything to the insurance company, and the insurance company is saying they wouldn't approve it even if it was submitted ( because it's over a year old ). 

This is not a debt I should owe. I was covered for this service on this date. It was and is the fault of the hospital for not sending this to the insurance company. They are claiming that they sent me letters asking for insurance, but the address they claim to have used is not my address - and hasn't been for over 3 years. 

So, basically, the debt collector wants me to send them {$810.00} for something I should have never owed a XXXX for - and because they sent me this correspondence over a year past the date of service, my hands are completely tied. This is negatively affecting my credit score, which is what I am trying to clear up.
Consumer complaint received 2023-11-13
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. (TX)

Yesterday, I have a notice an inquiry to my name by a company name : XXXX XXXX XXXX I never apply to this company or I never hear of this company. I have frozen all XXXX of my credit bureau. I also call Experian and put a fraud alert on my report. Experian told me I should make a fraud complain to CFPB, about this inquiry and the company.
Consumer complaint received 2023-06-09
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. (GA)

XXXX XXXX is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.