davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (WI)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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. (WI)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

in XXXX I was looking for a moving company to move my sister 's storages our of XXXX, Colorado to XXXX NC. I found XXXX XXXX and after speaking to XXXX who was their contact, he convinced me they would give us the best rates If we signed agreements ealy -move was not until XX/XX/XXXX. ) So I paid him deposits upfront and then just waited till few days before move when XXXX contacted me and asked for {$1500.00} more money and said it would be added toward total moving costs of {$5000.00}. So I paid then on day of move when my sister was at storage a truck shows up and says they are XXXXXXXX XXXX from New Jersey. And they demanded {$3200.00} or they would not load truck. Said they were not a part of XXXX and that they were just brokers. We were neve told this. I looked and saw dozens of complaints on their fraud on XXXX website and sent them to Citi dispute center. They just seemed to ignore what frauds this company is. I paid them thousands more yet only asked for part back. I am writing Attorney General of Florida- they should be shut down. The new moving company then demanded another {$3000.00} to deliver it so I spend {$10000.00} instead of {$5000.00}. Ask XXXX why we were not told who would be moving us. I could have gone to them directly and not paid XXXX {$3000.00} for nothing. They hold you XXXX because they have your money and its too late to cancel the day of move when you realize they are cons. The charge date was beginning of XXXX XXXX XXXX  for last {$1500.00}.
Consumer complaint received 2023-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Ive sent Experian so many documents to verify my status as a human trafficking victim and to verify my identity and the representative assigned to me ; XXXX XXXX is doing everything in her power to not remove these items. Ive also filed a complaint with my Attorney General in my state. I was told on XX/XX/2023, I was told a supervisor would contact me within XXXX hours ; Ive yet to receive that call. According to the guidelines, once documentation is received they have XXXX business days to remove those adverse items. Every time I call its a different excuse or reason for why they cant remove these items. I feel like this all retaliation because of me speaking my mind about how the lack of professionalism from everyone at Experian and especially XXXX, who I asked to be removed from handling anything that involves me. My lawyer is also filing legal documentation for this because I was also misgendered while on the phone call. Then the XXXX, the person who claimed to be a supervisor, was also dismissive and didnt acknowledge anything about was i previously told and again I feel like everything that is now happening with my file is due to retaliation. Also, the agency that I went through will not be giving out any of my information to anyone. We can do everything through lawyers if this information isnt removed by XX/XX/2023. I have every single phone call recorded and I will use them.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

I was in Lowes was going to open credit card over the phone, and they said they would send me text on my cell phone. I told them to " Do not proceed with this. I'll pay cash for these items. '' The person on the phone ran my credit. I got a letter in the mail telling me that my application wasn't approved. I told them not to run my application. 
The people that answer the phone have run me my around, and have hung up on me. 
I cussed them out big time, because they did something I told them not to do. 
I'm sure you won't do anything because you kiss the XXXX of big corporations, and banks. 
Tell the XXXX to listen to the recording. 
SICK OF THE XXXX!
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The consumer submitted CFPB Complaint XXXX through CFPB portal on XX/XX/2020 to Equifax that public record is reporting inaccurately across all three bureaus and provided evidence. Equifax responded to CFPB complaint XXXX on XX/XX/2020 stating that Equifax mailed results of an investigation and claimed that these investigation results should fix my credit issue. The public record is still being reporting inaccurately on credit report across all three bureaus. Equifax states that this is how the public record is reporting on credit report : US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX. However, on the credit report Equifax still reports public record with inaccurate court name US DISTRICT CT as of XX/XX/2020. ( Submitted comparison of how public record is reporting across three bureaus in a word document ). Equifax keeps stating in every CFPB Complaint that they are identifying their information with the data furnisher but the Fair Credit Reporting Act states that Credit Reporting Agencies should be conducting their own independent investigation. " 15 U.S. Code 1681 ( e ) ( b ) states " a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates ''. Equifax is not following reasonable procedures to assure accuracy of the public record that they continue to report inaccurately on credit report. I have provided factual based information in this CFPB complaint. In order to report a public record on a consumer 's credit report it must be reporting 100 % accurately and the same across all three bureaus. If it is not reporting 100 % accurately and the same across all three bureaus the public record must deleted for reporting inaccurately across all three bureaus via the Fair Credit Reporting Act.
Consumer complaint received 2022-12-11
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)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the report.
Consumer complaint received 2022-10-26
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AL)

I have a business account with Chase bank. I was receiving deposits from the same bank from my fees that was paid to me for my business. I received a larger deposit on XX/XX/year> and Chase put a hold on my account. They closed my account and told me I would be mailed a check within XXXX  days. It has been almost XXXX months. I asked why my account was closed, they stated they do not have to give you a reason to close account. I was told I had to come in the bank to be verified and I drove XXXX XXXX hours to the bank for them to tell me that their system doesn't verify from XXXX XXXX XXXX  which that is the bank the deposit came from. I've called multiple times and have been told check was mailed, check never was mailed. CHase only verification is if the number is registered in their system. XXXX XXXX XXXX  is a worldwide bank how is it not in your system and what other verification method can be used. They told me none. I drove back into the bank they stated its waiting for verification. XXXX XXXX says that Chase can return the funds and they will send me a check. Chase states that their system won't verify XXXX XXXX number and they will wait up to XXXX  years and send the money to the state. Chase is keeping my money for no reason. Everything can be verified and Chase states that their phone verification saying that it is not XXXX XXXX XXXX  number. XXXX XXXX XXXX  says that, the number provided is their only number. I have talked to supervisors at Chase and they are getting over on us citizens. Please put them out of business. It is nightmare. I have almost {$40000.00} they are holding for no reason. I am getting complaints because I am unable to pay my employees. I was already getting deposits from XXXX  XXXX what changed> it was a larger deposit. XXXX  days I understand waiting but XXXX months is HORRIBLE!
Consumer complaint received 2023-11-06
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. (TX)

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 XXXX XXXX
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

After receiving an alert from XXXX regarding a collection on my credit report from DRS in early XXXX, I haven't received any notice directly from DRS stating why I owe the debt nor providing me the adequate channel to respond to verify the debt. After overlooking the information on my credit report. I sent a debt validation/ verification in XXXX via certified mail which was effectively delivered to a representative at the address at XXXXXXXX XXXX on XX/XX/2023 in XXXX XXXX NY XXXX.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (CA)

I BANK WITH SUNTRUST BANK, I PROCESSED AN XXXX XXXX PAYMENT ON XX/XX/XXXX FOR THE AMOUNT OF XXXX - ONLY TO FIND OUT THAT THE PAYMENT WAS NOT PERFORMED. 

APPARENTLY, THE BANK INFORMED ME THAT MY ACCOUNT WAS PUT IN A DORMANT MODE BECAUSE OF NO ACTIVITY. 
SOMETHING I DO NOT AGREE SINCE I SEND AND RECEIVE MONEY EVERY MONTH. 

I ASKED WHY WAS I NOT ADVISED ABOUT MY BANK ACCOUNT BEING DORMANT, I WAS TOLD THAT A LETTER WAS SENT BY POST ( NOT CERTIFIED - NO PROOF ). 

I ASKED WHY DID I NOT RECEIVE A NOTICE ON MY TRUIST WEB ACCOUNT WHEN I LOGGED IN TO CHECK MY BALANCES- THE BANK WAS NOT ABLE TO GIVE ME A REPLY. 
THE BANK 'S ACTION MADE PAY A LATE FEE OF ABOUT XXXX $ AS WELL A POTENTIAL LOWERING OF MY CREDIT RATING.
Consumer complaint received 2024-06-21
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc. (IL)

I'm not sure if this is the proper place to report this but a company called Kickoff financial services is selling inaccurate credit reporting as a service to improve credit ratings. For example when you sign up they charge a monthly fee that claims that you have a line of credit which varies with the plan you choose but the credit is only usable in a store that sells digital media that comes with a positive but false statement such as backdating positive payment history or reporting that the account is older than it is. This seems like outright blatant fraud. They claim this is a legal practice but I don't see how it isn't fraud to make false claims to a credit bureau regardless of them being positive or negative.
Consumer complaint received 2022-09-20
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # 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
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. Thank you.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (CA)

XXXX XXXX XXXX Unauthorized transaction times and date Police report filed with XXXX police department PayPal prepaid card Customer service Im Writing in regards to being credited my XXXX. I was home in XXXX ca when I started receiving text messages at XXXX XXXX $ XXXX XXXX $ alerting that money was being withdrawn from my prepaid PayPal account XXXX at an XXXX atm located in XXXX XXXX Ca. I am a hard working front line worker for the county of XXXX XXXX. XXXX XXXX XXXX XXXX. I worked hard for the holidays I just had my money deposited into my account the night before. I have taken the extra mile and filed a police report with my jurisdiction department please can you have my funds credit back to my account so I can pay my bills these times are really hard for my family PayPal customer service is not helping one but Im receiving rude attitude theyre hanging up leaving me on hold just all around terrible assistance Ive been a loyal PAYPAL PREPAID CARD HOLDER FOR OVER 5 years
Consumer complaint received 2023-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

From XXXX - XXXX of XXXX, I filed a dispute with Experian, XXXX and XXXX about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you
Consumer complaint received 2023-04-23
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)

I applied for a mortgage with my XXXX XXXX XXXX XXXX on XX/XX/23. Afterwards I was getting blown up with emails, texts, phone calls, paper mail. It's been over 2 months and it is still going on. During underwriting, I was provided a copy of my 3 bureau credit report and asked to explain the inquiries. There are approximately 15 fraudulent inquiries on my XXXX, Equifax and XXXX reports. Obviously my information was obtained and sold.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
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: EdFinancial Services (IL)

I am a XXXX  and have been since XX/XX/XXXX. On my credit report Ed Financial my student loan servicer reported I missed payments XXXX, XXXX and XX/XX/XXXX. This is inaccurate as I am in school deferment. I call Ed Financial and XXXX multiple times. I was assured the error would be resolved. However, an update to years old dispute was made to my report but not my existing dispute. The errors still remain on my report, managers from XXXX don't call me back. 
At this point, my job is being affected as XXXX XXXX denied me a corporate card and I can't travel without it. My job is on the line and I'm in the process of taking additional legal action.