davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$2300.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX CPS Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXnquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2016-07-29
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (WA)

I purchased a prepaid Serve American Express at XXXX at checkout something was n't was n't standing correctly and they had to bring up the card and at which point they told me it would be active it was supposed to automatically be ready to use and apparently it was not scan properly and when I tried to take it back they told me to call the Washington State financial institutions when I called American Express and they asked me for copies of the receipt copies of the Box copies of the credit card so on and so forth copy of my ID and so far I 've heard nothing back from them and spent {$200.00} for nothing
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (TX)

To whom it may concern, I asked the credit bureau to validate these accounts. It's been well over 30 days and I didn't receive anything from 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 To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
Name of Companies and account numbers. 
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 XXXX XXXX These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

I opened an account with XXXX in XX/XX/XXXX. After the final payment in which I paid. When I pulled by XXXX credit report on XX/XX/XXXX I was a balance of {$320.00}. I wrote a letter to XXXX asking them to provide me with " Validation '' on this balance along with when I became delinquent. 

I never received a response, so I sent them a second request via certified mail again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX I've never received a response.
Consumer complaint received 2023-09-28
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: DISCOVER BANK (IL)

I disputed a charge on my Discover account because the service was not provided. As a result the problem that I had them out for occurred again costing thousands of dollars and resulting in my contacting someone else to come out and fix the problem and I paid them for the service they performed. I offered to provide my credit card company with proof but I was told they did not need documentation at that time and if it was needed they would reach out and request it. 

On XX/XX/2023 I noticed the charge that was disputed was placed back on my account. I spent approximately 90 minutes on the phone discussing this. I was told the dispute was closed in the merchant 's favor and i was placed on long holds while they reviewed the notes so they could figure out what was going on. I initially spoke to XXXX who gave me attitude at one point, and was having a problem answering my question. I never received anything in the mail or via email about this dispute. So I found out the dispute was closed and ruled in the merchant 's favor when I called. XXXX asked me if I received the notification sent. I asked how it was sent. She placed me on a long hold came back and never answered me. After realizing she was having issues explaining what was going on i asked if I could speak to a Supervisor. She placed me on a long hold and came back and told me one was not available and she could have someone call me back. My main issue with her is that she raised her voice at me on the call which I took issue with because she was unable to answer questions and provide customer service. 

I attempted to call again about the same issue. I was transferred to a couple people before I got to XXXX ( I am not sure if this was her name ). XXXX told me that I would have to contact the merchant and have them agree to refund me. I explained that I had contacted the merchant before even filing the dispute. What she was saying to me made no sense. I explained that I had information to support my case but you closed my case and ruled in the merchant 's favor without asking for it or considering it. She was unable to respond to why my information wasn't being considered. After going around in circles with her I asked to speak to a supervisor. She said one wasn't available and she could have someone contact me in 48 hours. I asked her name and she disconnected the call. This is why I am not sure of her name. 

I was trying to address this before paying my bill. Since I spent a lot of time on the phone and was unable to get it addressed, I paid my bill minus the {$99.00} disputed amount. I will not be using my card anymore until someone contacts me back to discuss this and hopefully resolve it. I am finding the explanation I received incomplete and unreasonable and I would like my questions answered by someone in charge. This has been a horrible experience and a waste of my time.
Consumer complaint received 2023-01-04
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. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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)

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 XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX : {$57000.00}
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC (NY)

On XX/XX/28 I was denied for my XXXX XXXX credit card ( which Ive made payment on in a settlement agreement ) XXXX XXXX housing property manager said it was listed on my credit report as a landlord tenant. The system XXXX XXXX Renewal Uses is Safe rent solutions and they provided me with a copy of the report and told me in their system it is shown as a credit card but XXXX XXXX denied me and listed as tenant/landlord. That is NOT a tenant/landlord is is a Credit Card and XXXX XXXX XXXX says their system identifies it as a credit card and they dont know why XXXX XXXX put it as landlord lord tenant and they couldnt call XXXX XXXX to tell them I would have to. 

So XXXX XXXX denied me incorrectly. I called to speak to a manager to rectify this ( see screenshot of phone call ) and the representative told me there wasnt one available.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This checking account has been open and negative for over 10 years. There hasnt been any attempts to use the account and I have contacted Capital One and informed them that this account was compromised due to fraud. My purse was stolen and all my debit and credit cards were taken. I worked with a credit repair company to file a police report and as a result my credit report was updated and accounts were either closed or corrected. The representatives I have dealt with at Capital One did not believe that I was a victim of fraud and it seems as if I was punished by Capital One by letting the account reflect to banking and creditors as negative and open. This has caused significant issues. The statute of limitations says that a debt will remain for 7 years and after such time it will not reflect to creditors on my credit or bank history. I need this account closed. I need this closure backdated so that it reflects closed as of 10 years ago and hold no bearing on my future. I think the most frustrating of this all is that I was able to obtain a secured credit card through Capital One and paid {$750.00} towards it but this account was not settled and I still look unsuitable to other creditors
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

XX/XX/23. & XXXX XX/XX/23. {$50.00} XX/XX/23 {$20.00} XX/XX/23 {$200.00} XX/XX/23 {$300.00} These amounts were transferred from my personal checkings accounts to my investments and it does not include amount already in my investment account. 
Plus interest earned. 

I noticed a {$300.00} and they simply responded with s to stating amounts were reversed. That was not true.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : Experian, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, Experian, XXXX, XXXX delete this bankruptcy immediately.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

the 3 credit reporting agencies are reporting inaccurate information by recording my " transactions '' and or " experiences '' according to title 15 usc 1681b and 1681 ( 2 ) ( A ) ( i ) and 15 usc 6802 I have a right to opt out. where is the disclosure on this information? because this information is reporting inaccurate I want these late payments removed immediately. thank you
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I never entered any agreement to do business with this company. They also sent me a notice in the mail in a thin envelope with CREDIT COLLECTION SERVICES on the first page. This is visible in person and also online when the post office scans the mail in daily. That is a violation. I know personally there are envelopes that ensure privacy. This is a sneaky way around the rule.
Consumer complaint received 2023-07-24
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. (TX)

In XXXX, I noticed a late payment had been inaccurately reported to Experian by XXXX XXXX. I sent a formal letter to XXXX XXXX and Experian explaining the error on my credit report and included supporting documentation as exhibits including original purchase confirmation email, original payment receipt, and the additional payment receipt, bank statements, and transactional detail. XXXX did not respond to my letter and Experian failed to perform a reasonable investigation. On XX/XX/2023, I sent a second notice to Experian 's legal department and nothing was provided in writing as required by the FCRA.
Consumer complaint received 2023-07-24
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. (NV)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ID)

On XXXX statement, there were charges of {$39.00} and {$4.00} that I had not made, from an entity with which I was unfamiliar. I called the credit card company and was told to call the charging entity. I did and the credits were made in the amount of {$39.00} and {$4.00}. My XXXX statement included another charge for {$39.00} from the same entity. Again, I called the credit card company whose representative closed my account, issued a new new account and assured me the charge would be credited which it was on the XXXX statement. The XXXX statement, however, showed a reversal of the credit, resulting in a charge of {$39.00}. Since then I have made XXXX telephone calls and been assured that the charge would be eliminated which has not happened. I have also sent two letters. Each month finance and late charges are added. Since XX/XX/XXXX, I have received XXXX telephones calls from the company, XXXX on one phone and XXXX on another.
Consumer complaint received 2024-04-05
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. (FL)

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (TN)

To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX XXXXXXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.
Consumer complaint received 2022-10-21
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. (CA)

I discovered that the account 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 any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$260000.00}