davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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)

XXXX XXXX XXXX  did not provide me the original application contract. And have been negatively reporting to XXXX and XXXX my consumer credit reports. I demanded to removal of this negative account immediately. 

The others were unauthorized credit inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANKMOBILE TECHNOLOGIES, INC (TN)

I go to XXXX XXXX and they use Bankmobile as the bank they release your funds to. I have tried several times to open an account with them and they always deny me and refuse to tell me why as required by federal law claiming it is the security department 's problem. Now every time I get my financial aid refund I have to cuss, rant, rave, and threaten a lawsuit and you all to get my money released and my profile found which after 5 minutes of hanging up from being constantly routed to an automated operator that continuously repeats the same message over and over ( " we can not help you if you did not receive a message from us which I never do when my funds are processed to my bank ) lo ' and behold my profile is found. This has been going on for XXXX XXXX now, the most recent being today. I should not have to pitch such a fuss and threaten legal action for a bank to follow the laws of this country and to follow their own policies. My school is even confused because they have never in all the years they have used them ever heard of a student being denied a checking account. 

This complaint is also being forwarded to the U.S. Department of Education.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Electrical work service completed on XX/XX/XXXX, deposit of {$2500.00} paid on XX/XX/XXXX and {$5000.00} payment towards paid-in-full invoice paid XX/XX/XXXX - partial payments made with Capital One credit card. 

XX/XX/XXXX - Electrician company mailed a letter that the work was incomplete and permit was still opened. I called the City of XXXX to confirm the open permit and received the Inspection Report- the electrical work failed inspection XXXX times : XX/XX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. 

Demand Letter sent to Merchant on XX/XX/XXXX, Second Notice Demand Letter sent to Merchant on XX/XX/XXXX, and Final Formal Demand for Documentation and Resolution sent to Merchant on XX/XX/XXXX. Initial Demand Letter requested a response from the Merchant to the demand for refund within 30 days due to incomplete and unsatisfactory nature of work, the inconvenience I have experienced due to the delayed completion, and the expenses incurred as a result of the failed inspections. Merchant did not provide a response that addressed the demand for refund by the deadline of XX/XX/XXXX. 

Contacted Captial One on XX/XX/XXXX file a chargeback claim for both credit card charges of {$2500.00} and {$5000.00}. Both claims were not processed due to different reasons for both claims even though they were in the same timeframe and for the same electrical service completed on XX/XX/XXXX. Captial One was stating that a photo of returned materials to the merchant was needed and the cases were closed - a photo of electrical services can not show how services are used to repair breaker boxes. I explained to Capital One that I was not aware of the incomplete electrical work services that I paid for until XX/XX/XXXX when the electrician company mailed me a letter about the permit still being open. I contacted the merchant via demand letter sent on XX/XX/XXXX with a 30-day deadline to process the refund before filing the chargeback with Capital One on XX/XX/XXXX. I escalated both claims with a manager of the Dispute & Claims department.
Consumer complaint received 2023-12-15
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. (NJ)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bilateral Credit Corp, LLC (FL)

XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. 
that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. 
I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.
Consumer complaint received 2023-12-15
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. (LA)

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 with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

I contacted the billing department regarding the amount of interest charged on my most recent statement. I had questions about the balance amount used to calculate the interest amount. I asked for the rep to help me to understand, but she refused. I then spoke to a supervisor named XXXX. She stated all that she could is open an " adverse action '', their inquiries department will research my concern and send me a letter within 30 days. I stated I am fine with this. At no time did I dispute this account or the balance owed. Less than 30 minutes ago, I received an alert of action on my XXXX credit report. Upon further investigation, I discovered that Belk reported that I disputed this account. This is false.
Consumer complaint received 2023-04-17
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. (CA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-16
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-15
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope you are doing well as I write this. I'm writing to convey my ongoing dissatisfaction and worry about the unresolved dispute I filed about the fraudulent accounts that resulted from identity theft on my credit report. I regret to inform you that, in spite of my earlier contact and the supporting data I sent, the aforementioned accounts are still included on my credit report. 

XXXXXXXX XXXX XXXXXXXX. XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. 

I kindly urge you to prioritize the resolution of this dispute, as it directly impacts my financial security and well-being. I request that you take immediate action to remove the unauthorized accounts from my credit report and provide me with written confirmation of their removal. 

Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly. 

I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2024-04-16
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. (GA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Disputed XXXX XXXX and the credit bureaus each replied back with valid however per the attachment however per the XXXX the vehicle isn't in my name and is title to another person, if any uncertainty exsist or doubt than the account isn't 100 % accurate.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

This complaint involves RCI Barclay in that they paid on several occasions XX/XX/XXXX, XXXX {$13000.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$11000.00}. Totaling {$25000.00} to Holiday pay XXXX XXXX Nevada for a merchant located in XXXX XXXX, XXXX, These transactions were dependant on the merchant purchasing our property by XXXX XXXX for {$79000.00} and marketing for {$17000.00}, totaling {$97000.00}. All was written into contract between the merchant and us. When the merchant failed to buy our property by XX/XX/XXXX, we considered all previous transactions to be fraudulent simply stated the merchant ask us to buy their property first and then he would buy our property after. When the time came they did not fulfill his end of the contract. The merchants involved are A XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their affiliates, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX Pay XXXX XXXX, Nevada. As soon as we be aware of this fraud XX/XX/XXXX we reported this RCI Barclay and provided them with copies of contract and other documentations. However, the bank continue accept the word of the merchant that the transaction was legitimate. The banks also claimed that we waited too long to report the incident, But our position is that the transaction was no longer legitimate when we became aware that they had no intentions on buying our property, It is also our position that the merchant deceived us by delaying his purchase of buying our property to make the time to reporting a complaint null and void. but we believe that we reported to the bank this fraud as soon as we became aware of fraud.. I attempted for you to review our documentations in my report to you. But it stated that it was more than XXXX Now A Boutique is stating that they will not return our money because we have a balance due, We pay the contract in full by maxing out our credit cards under the assurance from XXXX  XXXX XXXX we would receive the money by XX/XX/XXXX in the amount of {$97000.00} XXXX pay off the credit card, XXXX XXXX  was able to recoup {$11000.00} for us and that is why A Boutique claims we have a balance. Now A Boutique is keeping our money in total of {$32000.00} ( this includes another credit card I used to pay off the contract. We are paying for something we don't own. Since then I had to do several balance transfers so my credit would not go bad and this has cause me a financial burden. 
Thanking you you XXXX XXXX
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLOBAL SOLUTION BIZ LLC. (IL)

I was told by XXXX from Global Solutions LLC that they were going to come to my home and business to take my belongings and money from my bank account. When I asked XXXX so send me the UCC lein file number she was unable to provide such number.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent in a copy of my ID with the correct mailing address to XXXX, XXXX and Transunion and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is displaying zombie debt that is not mine. XXXX and XXXX have not provided information to go into arbitration for long standing account insurance company paid and closed.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.