davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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. (GA)

Their is a Superior Court Order to REMOVE the XXXX XXXX XXXX XXXX XXXX, When I called I got the run around, transfer after transfer to a Supervisor " XXXX '' well we just have to keep it disputing this its only been since XX/XX/2013! It was a joint account they REMOVE off my spouse and not my report ( XXXX XXXX, XXXX ). Legally each bureau received the Voluntary Withdrawal from XXXX what more do you need.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Applied for Capital One Credit online and was approved on XX/XX/2023 for the Platinum card with a balance of {$500.00} at XXXX XXXX interest rate. In XX/XX/2023, I purchased a vehicle that was going to be financed through Capital One also. The first payment for that account was set to be XX/XX/2023. I contracted them on XX/XX/2023 to attempt to have the payment date moved b/c I couldn't log in to pay my car payment and credit card payment. They agreed to move date to end of the month and t he rest of the call was attempting to troubleshoot XXXX computers and XXXX cell phone for logging in. After all the time I have been on the phone with them, I am able to now log into an account, but no accounts are showing on the account. My husbands account is showing my new vehicle, but we are unable to make payments online or set that up. Every time I attempted to have them take a credit card payment, they told me that they are going through an update and that I would have to call back in about XXXX hours to have it processed. The final time was the most upsetting as I just paid my car payment and after being switched over to the Collections Department, they gave me yet again the same answer that they can not process a payment. They said once again that they were going through an update and that they apologized but I would have to try back again later. My car payment has been made I believe 3 times now and without any issues. I am unable to get them to process a credit card payment therefore the account is in bad standing and I have asked for tech support, a manager and more to get this resolved. But nothing. 

Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX sec XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs Called XXXX XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX hr XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX mins XXXX secs XX/XX/XXXX @ XXXX and was on the phone for XXXX min XXXX secs
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Inquires that were not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (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 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 has violated my rights. Or a list of inquiries : 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 2023-06-19
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. (CA)

This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Company : XXXX  Loan ID : XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2023-08-09
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. (PA)

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.

has violated my rights. Or list of inquiries 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 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC (NV)

I applied for a credit card from XXXX in approximately late XXXX or early XX/XX/2023 to start rebuilding my credit. When I initially applied, I had a different phone number. However, I had to change my phone # prior to receiving the card. When the card finally arrived, I contacted the cc company and told them I needed to update my phone # so I could activate the card. Well, I was instructed to email them proof of my new phone number and it would take less than a week to complete. It's been well over a month since all this started and my number still has not been updated which means I still can't activate the card. I keep being told the same thing. I would prefer not to deal with XXXX, however, if I close my acct it will adversely impact my credit. 

I need them to complete the process. It's causing me undo stress. 

I appreciate your assistance.
Consumer complaint received 2018-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (AL)

The original loan was taken out by XXXX and then sold to Wells fargo. The loan was for {$20000.00}, with a co signer on it in XX/XX/2007. The co signer has since filed bankruptcy and passed away and Wells Fargo hasnt been willing to help lower payments. Every time i have called in the past year they state i am not eligible for any payment plans or programs they offer, no one ever tells me what the plans even are. The current Loan balance is {$26000.00}. A total of {$13000.00} has been paid towards this loan yet the balance is higher than the original disbursement amount. Wells fargo has been unwilling to help resolve this debt and i have called the creditor numerous times during hardship and they have refused to help with anything.
Consumer complaint received 2024-03-12
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. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-02-27
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. (GA)

My social security number, my date of birth and personal information was compromised during an equifax security breach, as a result Ive had several things that do not belong to me on my credit report that Ive disputed with all three bureaus and its come back on my credit file. My entire identity has been used by a scammer, and Im very upset about this, this has been XXXX to try and correct.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TDS Financial LLC (PA)

This company called me XX/XX/XXXX and sent me a voicemail threatening to sue me if I do not contact them within a week about a debt that is owed to them. I believe they are inpersonating as a mediation company to try to retrieve info about me and threatening me because they want me to pay the debt in question quicker. They refuse to give me any information.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (WA)

In XX/XX/XXXX, I received a phone call from Wakefield Collections. I was told I owed a debt for two Dr visits in XX/XX/XXXX. I told the representative I didn't know what they were talking about and asked for them to send me proof. I was informed they don't send info, I'd have to send an email and request proof. I was given an email address and sent email. I never received a response. 

In XX/XX/XXXX, I received a call from Wakefield. I was told I owed a debt, knew I owed a debt and was just refusing to pay. I told representative I wasn't going to pay a debt that I didn't know anything about and I had requested information in XXXX. Representative told me, we will get the money from you, you don't have to pay, but we will get the money. I told Representative I will not pay a debt that I know nothing about and with no proof. Representative told me it was mine and why would he lie? I told him he'd lie because he wanted money. I told him I was asking for proof and if they didn't send proof, it's not really my debt. Representative told me they didn't need to send me any proof, it was my debt and I needed to pay. I told representative, send me proof I owe debt and I'll pay minus interest and fees. 

The dates for service coincide with dates I went to XXXX, but I was on a payment plan with hospital and was told everything I owed was in payment plan. I went to XXXX in JXX/XX/XXXX. I never received any bills for Drs and never heard anything about owing money until Wakefield called me in XX/XX/XXXX. 

I filed a complaint with my State 's Attorney General. Heard back today and they closed the case.
Consumer complaint received 2023-05-03
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. (AR)

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, AR XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Ive recently checked my credit report and Ive noticed my rights are being violated. Ive disputed with the company the have still yet to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive disputed with creditors with reference of the laws and rights theyve broken. 15 USC 1681a* ( 2 ) * ( B ) & 15 USC 1602
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX ACCOUNT has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit credit plan as late for any purpose.
Consumer complaint received 2022-11-24
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-08-09
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-12-07
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. (AL)

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. 

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : 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 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 2023-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

chase brach at XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my locker fee as amount was charged without my authorization and despite my request to have it closed. I never authorized an auto charge, Chase has took the locker key from my position and closed the locker but never refunded the locker fee.
Consumer complaint received 2023-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MSCB, Inc. (TN)

This medial collection company by the name of MSCB INC has falsely reported a medical collection on my credit report. They have a balance of {$1800.00} listed on my credit report. However, my insurance company XXXX XXXX XXXX XXXX has already covered what they can cover and per the previous notices i have received from the XXXX XXXX XXXX in XXXX about this medical collection, it stated that the remaining balance of the debt was {$400.00}. The medical collection agency has failed to send me any notices and has also failed to send proof of the alleged debt in the amount of {$1800.00} that they are falsely reporting on my credit report.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by TransUnion, XXXX, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next XXXX business days as stated under law. 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 2022-12-02
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been banking with Capital One for awhile now and every time I get a XXXX payment from a relative or someone I borrowed money to ( I have proof cause I sent this same person {$150.00} ) they keep red flagging my account and holding my money for days. Both parties are registered with XXXX and have never done anything fraudulent with capital XXXX or XXXX. But capital one keeps red flagging my money. It's not fair to the consumer. I spoke to XXXX and they stated that's what XXXX is for and they are not the ones red flagging my transactions, it's CAPITAL ONE. ITS CASH PAYMENTS AND I HAVE RECEIVED BIGGER DEPOSITS THAT WASN'T FLAGGED. SERMS TO ME CAPITAL ONE FINDING REASON TO JUST HOLD CONSUMERS MONEY FOR PERIODS OF TIME FOR THEY'RE OWN GAIN.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.