davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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. (NE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I was told i was on a hardship plan of {$70.00} a month. All of a sudden this payment plan changed to a minimum payment without notifying me. When i made a hardship payment instead of the minimum payment i had no idea my credit score was lowered from XXXX to XXXX. 
I was decieved into making larger payments then penalyzed
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had my Capital One buypower card for some time now. I am a responsible customer that makes timely payments. When requesting a credit increase recently I was denied with the only reason on the letter being " credit line increases are not available at this time upon request for this type of account ''. I called Capital One to try to get some clarity on this very confusing wording and reasoning but the representative simply said what was already on the letter, she just kept repeating that sentence and said there was no way for anyone to manually check out the account and why it was not eligible. Now this type of wording is very confusing because am I to assume that credit card accounts are not able to have credit line increases? The type of account it is is simply a credit card and I am not familiar with a reasoning of credit line increases not being available for credit cards. This interaction with Capital One was absolutely absurd and the fact that I can not get anyone to manually look at this and explain why I was misled into getting a credit card that is not eligible for credit increases is simply unheard of.
Consumer complaint received 2023-05-09
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. (MI)

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 XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my fourth attempts 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 records 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, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-21
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. (TX)

Child support has been reported on the estates consumer credit reports as a loan and I have never received a loan. There is no executable contract between myself and the child support division of the Office of Attorney General of Texas. They have injured this estate and the Agent that signs and operates this estate for the benefit of its beneficiaries with revocation of Power of Attorney they are not allowed to conduct business on behalf of the estate.
Consumer complaint received 2023-11-06
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)

PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRES FROM MY PROFILE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00}
Consumer complaint received 2023-05-09
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. (FL)

TransUnion LLC. is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of American changed my checking account from basic to " XXXX XXXX '' and when I do not meet their fund requirement they started to charge me " maintenance fee ''. I do not remember I authorized the account type change and asked for proof. They could not provide the proof but do not refund me the maintenance fee.
Consumer complaint received 2023-05-09
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have inquires hardened soft on XXXX equifax credit report. my information was breached and I have those inquires coming from equifax XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them
Consumer complaint received 2024-03-21
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. (NJ)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.
Consumer complaint received 2024-03-21
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. (NJ)

After Issuing Multiple Cease and Desist directives, and contacting XXXX XXXX XXXX directly, XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. My rights have been violated and I demand that they remove my information from all three credit bureaus. ( XXXX ) DID NOT* have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. None of these options were disclosed or explained to me before or during the rushed contract e-signing process. This deceptive practice is in violation of my rights and I demand the removal of the account from all three credit bureaus immediately. 

XXXX XXXX also lied and provided misinformation pertaining to the furnishing of said disclosures and also dismissed my previous complaints and cease and desist directive, stating that they will continue to report this information, in violation of my rights.
Consumer complaint received 2022-11-15
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. (NJ)

I reached out serval times to get a payment arrangement was not offered the help until today how ever I was recently reported as not current after serval failed attempts of trying to pay the minimum. I have communicated an asked them serval times when I was unable to work they told me over the phone they didnt have anything to offer months later I got an email stating they offer payment arrangements. Then I have tried to get a payment arrangement it wasnt until today I have finally made contact to get one finalized three months later. Completely ridiculous no one should have to go through. Horrible communication with this company. After several attempts of being persuaded into keeping my card open I was then put on a payment plan today. All of this could have been avoided if I was given the correct information the first time.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (NC)

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Despite my repeated attempts to dispute and rectify the situation, the fraudulent accounts remain, and I have not received any conclusive information from your investigations. It has been well over 60 days since the commencement of the investigation, and to my dismay, I have not received any updates or resolution regarding these fraudulent entries. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
Furthermore, I insist that the credit bureau refrains from reporting these fraudulent accounts until they can be accurately verified. It is imperative that inaccurate and potentially damaging information is not disseminated, especially when the bureau is unable to substantiate the validity of the items in question.
Consumer complaint received 2024-01-11
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 have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX XXXX acct ending XXXX Inquires appear that I did not request are : XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

Incorrect information was not changed in the report concerning an at fault accident that was reported on XXXX. I was never in an accident on this date in my XXXX XXXX and a claim was never submitted for whis vehicle with my car insurance company.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (IN)

Although I am not sure what happened exactly. I know I did dispute a charge with XXXX. Because XXXX uses a company called a XXXX who is known for stealing packages. I packed was stolen. I requested a refund for that package, and I also requested a refund for each pair of shoes that was out of stock. I was waiting on the refund for the second pair of shoes. Theres also a pending refund for a XXXX order. 
I made this call on XX/XX/XXXX. I received my refund for the first pair of shoes on XX/XX/XXXX I saw the second pair was still pending. I also saw the other dispute was open. 

On XX/XX/XXXX around XXXX XXXX  I tried to log into my account I couldnt login. I called customer service. They told me my account was closed. He told me to check my email. I saw the email was sent 43 minutes before I called. 

My direct deposit for work goes there. I was going to pay my rent, which was already late now I am going to be evicted. That is my whole direct deposit check. Im also a new parent with a newborn who needs things, and I was given less than a 24 hour notice. I could have called my payroll department to stop payment to issue me a paper check.
Consumer complaint received 2018-09-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Green Square Company LLC. (TX)

I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.
Consumer complaint received 2023-10-31
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)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.