davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received a email ( one ) stating I was late paying on a capital one credit card. I never applied or used or owned a capital one credit card. I called customer service, lady stated that card was never activated. Assumed it was taken care of. I receive another late email months 4-5 later. I called spoke to a man who stated I dont see any of those notes on this account. I stated I want a hard copy bill or list of transactions on this so I can use my legal services at work to fight this. Never received anything, figured it was taken care of. Now Im trying to get a car loan. I have had perfect XXXX and over credit score that is now down to XXXX because of this capital one card. I have a mortgage thats my debt. I have paid everything car loans, credit cards, student loans on time in full. Why would I let {$2000.00} credit card ruin my credit? Ive disputed on all 3 credit reports. This is absolutely ridiculous. How can this be taken care of? Im a single full time working mother. I dont have time for this.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (TX)

I made a purchase from XXXX XXXX  XXXX for XXXX and they tried to refund me but Ally Bank prevents refunds from going through and then tells me to call the merchant the merchant sees it has been refunded on there end. This has happen several times with Ally Bank which is not right as the refund should be allowed since the account number remains the same. Ally Bank was notified in XXXX about a XXXX purchase for XXXX that I had not received the item they did not do a proper investigation on the fraudulent company who sent me nothing still to this date nor provided proof of the item. The merchant is saying Ally has the money has a chargeback was filed Ally is saying contact the merchant knowing that they will block the refund on the card.
Consumer complaint received 2023-09-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MI)

it seems between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is JEFFERSON CAPITAL SYSTEM. The original creditor was XXXX XXXX XXXX. 

I declared bankruptcy in XXXX and this was part of the creditors who were included in the bankruptcy. At the time, XXXX dropped my credit by a large amount with one creditor. Now, 15 years later, they have dropped me with the other creditor. What can I do about this? XXXX was my young daughter 's cell phone provider. She is now an adult with XXXX children. What can be done about this besides paying them off. I am in a XXXX  from XXXX now and money is a problem. 

Also, that bill with XXXX i over XXXX XXXX XXXX. XXXX dropped it. So who is this new creditor, JEFFERSON CAPITAL SYSTEM? And how can they legally drop my credit score by this large amount when the debt was resolved with the bankruptcy?
Consumer complaint received 2023-06-23
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. (MD)

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 XXXX XXXX
Consumer complaint received 2022-11-26
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-07
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-04-22
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. (TX)

I tried to get XXXX XXXX deleted from my credit report this negative item was paid in settlement and should be removed from my report it has been on record for over 6 years now it shows nothing but bad credit they are keeping my score down as well just shows verified
Consumer complaint received 2023-05-08
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. (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. 

Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2018-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I got a store card backed up with XXXX XXXX, I changed my address after receiving the card, I called XXXX  XXXX   and changed my address, yet I did not receive a statement for multiple months, I received a phone call from the bank later and I found they still had the old address which they then corrected. I told them I would like to pay my original balance and I don't believe I should be responsible for all these additional fees as a result of them not properly updating my address. I requested that I speak with a supervisor to revolve the matter instantly on the phone and pay my balance, I was not given a fair response. I let them know that I will be contacting the CFPB unless they reach out and work with me to resolve this issue, I was ignored and they keep on adding fees and interest the amount now is multiple folds higher than the original balance. I feel that they have significant leverage over me to force me into paying unfair fee and I have zero leverage but to do what I want. My credits core has been significantly impacted and I am looking to buy a home. Please help me
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NY)

In XX/XX/2023 I paid off the remaining balance on my car loan one payment through debit card for {$820.00} and another payment through money gram for {$1900.00} the account was paid off in full due to the agreement me and Westlake had. Since XXXX I have been asking for the lien release letter and keep getting told something different every time I call and ask about it. I have asked to speak to a supervisor multiple times and one is never available. Since XXXX I have been calling and requesting the letter and nothing has happened today XX/XX/2023 I have did a lien title check with the DMV and the lien is still on the title.
Consumer complaint received 2023-04-20
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. (FL)

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 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc. (GA)

I purchased a product through an online merchant and used ZIP for a 4-month installment payment plan. The merchant did not have the product I purchased, so the merchant canceled the product, and ZIP refunded my initial payment. Unfortunately, the merchant placed my order a second time without my authorization after the initial cancelation and ZIP immediately charged me again. The merchant canceled the second order a week later and indicated it was their mistake. However, ZIP continued to take payments out even though the merchant canceled the erroneous second order and I never received any goods from the merchant. The second cancelation occurred on XX/XX/2023, and as of the date of this complaint, ZIP has refused to refund my payments and actually debited a third payment to my credit card this past weekend. I have called ZIP multiple times, as well as communicated with them both through email and text. ZIP keeps claiming they are escalating the issues and investigating the cancelation with the merchant even thought I have sent them proof of the cancelation. ZIP has three ( 3 ) charges totaling over {$1300.00} on my credit card that I need to be refunded and they continue to give me excuses and delay any refund.
Consumer complaint received 2023-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (WA)

The company repeatedly overcharged me by duplicating membership fees and willingly defrauded me by misreporting loan details to the XXXX major credit bureaus. This negatively impacted my credit and its funny because thats what they claim to help you be able to improve! When trying to get compensation and refunds for over {$790.00} in overcharges by this company, they would pretend to close my account, only to lie, keep it open and keep charging me membership fees. After two weeks or more of trying to resolve this with MoneyLion., com, I eventually had to remove the link under my bank account and refused to pay for a membership that I attempted to cancel more than 17 times via phone and email over the weeks.
Consumer complaint received 2023-09-07
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. (TN)

The following hard inquiries were submitted to my credit report. 

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 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-03-06
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated : XXXX XXXX XXXX XXXX  Original creditor : 01 XXXX XXXX XXXX XXXX {$2400.00} Account Info Account numberXXXX Collection opened XX/XX/XXXX Account type Collection Account Balance Loan Amount {$2400.00} Payment Info Original loan amount {$2400.00} Balance {$2400.00} Account Name Account Number Account Type Date Opened Status Account Name Account Number Account Type Responsibility Date Opened Status Account Name Account Number Account Type Responsibility XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$2400.00} past due as of XX/XX/XXXX. 

XXXX- XXXX XXXX XXXX Business LOC  Individual Date Opened Account Name Account Number Account Type Responsibility Date Opened XX/XX/XXXX Collection account. {$980.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Lease Individual XX/XX/XXXX Account charged off. {$2700.00} written off. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2023-09-07
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

My husband and I both opened credit cards on the same date, to make a purchase from the same merchant on XX/XX/XXXX. The merchant is XXXX XXXX, which we now know is a subsidiary of, or at least directly connected to Barclay 's credit card. On XX/XX/XXXX we began the process of disputing the purchase and canceling the contract with XXXX XXXX. In XXXX of XXXX, my husband 's dispute was approved, his credit card statement showed a zero balance. My dispute, again for the same date, merchant and almost identical amounts, was denied. On XX/XX/XXXX, I was finally able to speak to a representative on the phone, XXXX, and was told to send a cancellation of the contract with XXXX XXXX. Canceling the contract was a very lengthy process, and in the mean time I made minimum monthly payments in good faith this would be resolved and so as not to affect my credit rating. I was very clear that this dispute was not closed. XX/XX/XXXX I obtained and sent a copy of the contract cancellation highlighting specifically " you will no longer have any further ownership rights and/or financial obligations pertaining to this contract. '' On XX/XX/XXXX I received yet another denial of this dispute, stating they " unable to obtain a credit for you from the merchant 's bank, and we must now consider this matter closed. '' I immediately responded that I do not consider this matter closed, and listed the reasons as I have below. 
There are several problems I have with this whole situation : 1 ) Why was my husband 's dispute approved and the balance erased, but mine was not? Everything was the same, exact copies of the dispute with different claim numbers and slightly different amounts, so why not both denied or both approved? The only differences were, possibly the employee who handled the disputes, and I am a woman. 
2 ) I was given an explanation and told how to continue. I did exactly as I was instructed, but it was denied again. No way to appeal was explained or given either. I was told " continue attempting to resolve the matter on your own if you are still unsatisfied with the outcome. '' That is exactly what I am doing. 
3 ) Is it a conflict of interest to arbitrate a dispute between a customer and your own bank? 
This whole situation is riddled with unfair business practices. I was told to continue to attempt to resolve this issue on my own. This is exactly what I am doing. If there are other steps that need to be taken, please send me the information. I have all email and letter correspondence, as well as notes taken from the phone conversation if required. Thank you for your consideration in this matter. 
XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kimball, Tirey & St. John LLP (CA)

There was a flood in my apartment where the washing machine broke and workers came in to fix the problem. They lifted the carpet and attempted to dry it out but did not move the large bed in the room. The water had gone underneath the bed and flooded the carpet. This carpet was not dried and or replaced. When I moved out, and moved the bed there was a large stain on the carpet from the flood. The apartment complex chose to charge me and not give me back my deposit for this stain, that was not caused by me. It was from the flooded carpet that wasnt properly taken care of. I am requesting for this charge to be removed from my report and for them to provide the documents that show That the carpet was flooded by their washing machine. I had to move out for several days, there should be a report.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (KY)

IQ Data Int'l received a debt collection from an apartment complex in Arizona, in which my daughter resided. I had retained counsel to get out of the lease and the apartment complex sent a collection in the amount of {$5500.00} for early termination of a lease. They subsequently sent it to IQ Data Int'l who then tried collecting the above debt. I hired another attorney and a settlement agreement was signed on XX/XX/2023 holding me harmless of any of the debt mentioned above and in said settlement ( attached to this complaint ) on page 2 they were to remove this from my credit report within 30 days of the XX/XX/2023 agreement. Well, it's not removed and IQ Data Int'l will not talk to me ( they have hung up on me twice ) and state that they will only talk to my attorney ( which is costly ), and they refuse to remove it from my credit report. 

This is affecting my licensing renewals in two state within the XXXX XXXX, and they are costing me money every time I talk to and/or email my attorney. This is ludicrous and I need assistance asap as I am now losing income as well.