davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Account type : Revolving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 UCC 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 2023-06-23
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: Exeter Finance, LLC. (TX)

The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

The name of the company is Synchrony The agent that opened the account for me told me that I would need to pay a certain amount on the account monthly and put it on autopay and that this will be interest free. zero arp. I just looked at my account and not only they started charging interest after 1 year but also charged me extra interest for that one year. I spoke to the staff and manager on the website chat but they were not helpful. I called their number and spoke to their manager and he said that he is sorry but nothing that he is able to do and he will make note of it to train the staff better in the future.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing to address a critical matter concerning incorrect information that is being reported on my consumer credit report by Capital One. It has come to my attention that the Date Opened is inaccurately reported as XX/XX/2017 for XXXX and XX/XX/2017 for XXXX and XXXX. This incorrect reporting has persisted for several years and is causing severe damage to my reputation. As per applicable laws, I demand the immediate removal of this incorrect information from my consumer report. 
The inaccurate reporting of the Date Opened on my consumer credit report reflects negatively on my creditworthiness and financial history. This misinformation has been reporting inaccurately for a significant duration, leading to potential denials on credit applications and other financial opportunities. The presence of this incorrect information on my consumer report is causing harm to my reputation and impeding my ability to secure credit on fair and accurate terms. 
In accordance with the Fair Credit Reporting Act ( FCRA ), it is my right to request the removal of inaccurate information from my consumer report. I kindly request that you promptly investigate this matter and take appropriate action to rectify the incorrect reporting of the Date Opened. I expect the immediate removal of this inaccurate information from my consumer report to prevent any further harm to my credit standing.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KY)

I had transferred {$2900.00} from my chase account to my chime account and they had froze my account with my funds in there, Ive sent every proof of document,, they are saying i have an account ending in XXXX but my account ends in 1975. XXXX verified i only had XXXX account open with them. I tried to XXXX way to tell them but instead chime told me they cant do anything because of the support team i had to email them. Also chase couldnt email me confidential information but they had assisted on being on the phone and verifying with them i do have XXXX account. But for some reason chime keeps telling me i got to send in documents that Ive been sent in. I havent used the account in a while but i feel as it dont matter if i havent used it in a while its in my name and also my chase wouldnt have linked to my account If i didnt verify it through and also on my chase account it shows my chime is active but chime is acting as if Im not me.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

Ive called this company multiple times about the incorrect debt on my credit report and they will not respond and when they did they were rude like they were right and I was wrong ( also I have proof but they didnt care ) Ive even contacted the apartment complex and they even emailed them the correct information twice and they still wont respond or budge for them its messing up my credit with this false information and I cant even go into a payment plan with them to start paying off some of the debt I owe because they wont listen to me or the apartment complex about the right amount to change my debt too its really messed up and frustrating at this point
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

XXXX placed for gas powered motorbike with Company XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX on XX/XX/23 for {$590.00}. Company did not deliver item, does not answer calls email or text and despute filed with Chime bank was ignored. Company has a history on consumer review forums of arbitrarily keeping payments without sending items as was brought to the bank 's attention to no avail. Request item be delivered with partial refund or full refund plus lost interest be returned.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

LVNC Funding LLC is reporting a charged-off account for XXXX XXXX / XXXX XXXX as a " new '' account opened in XX/XX/2023, on my credit reports. I challenged the information on my credit reports, but LVNV asserts the information is correct, which it is not. 

I believe the original account is " timed out '' and should not be on my credit report at all.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (NV)

I went to a XXXX branch on XX/XX/23 for a cash advance on my payroll check that was deposited to the account that morning for {$1500.00}. Per the representative, the charge was declined by Netspend. I am set up for sms alerts from Netspend and XXXX. I received a text alert from Netspend showing- {$0.00} ( overdrawn ) available after a {$1500.00} purchase at the XXXX XXXX branch location at XXXX XXXX. I showed the representative and the manager the text showing it went through. XXXX was unable to give me any information to support this transaction was declined and I was told to contact Netspend. 
I called Netspend, the representative shows there is a pending transaction for {$1500.00} and I need a letter showing the transaction was not processed by XXXX. I went back to XXXX this morning ( XX/XX/23 ) and spoke to another manager, who stated she could not write a letter on XXXX XXXX  letterhead acknowledging the transaction did not go through. I was directed to contact Netspend again and file a dispute with them. I called Netspend for a 3rd time regarding this issue. I was able to speak to a supervisor, at least that's the title she gave me. Per XXXXXXXX XXXX XXXX XXXX XXXX  ). She confirmed the same information. I was given an email address : XXXX where I can submit the letter. This issue has not been resolved and I don't know what further actions can be taken. I have a medical procedure that is being done and no funds in my bank account. I have been with Netspend for over 12 years and I do not understand how this happened and the lack of assistance from them in getting this issue resolved expeditiously.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Pressured sales tactics with affiliated Car dealer with Credit acceptance, harassing phone calls had to change phone # .I requested proof of original documents of alleged signature signing and terms, I never received the documents or proof of car insurance or accurate proof of residence, no proof of proper interest rates and original documents that I requested in filing this complaint.I wasn't given an option not to receive harassing calls before this complaint, I was not given the option to switch vehicles when vehicle problems were addressed a day after purchase which lead to the vehicle breaking down in 2018, I demand History Removal from all three Credit Bureaus with inaccurate information unless there are proven alleged acts, I request a 1099-C for permanent removal of Credit acceptance from all credit Bureaus
Consumer complaint received 2022-10-31
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (NC)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/25 this year, my Chase debit card, linked to my checking account, was used in an ATM near where I lived by someone I don't know. The total amount was {$1200.00}. I found these transactions and called customer service to file a fraud claim. They did file the claim, and my credit was temporarily back. Also, they closed my debit card and told me they would send me a new one, which I haven't received yet. And yesterday, XX/XX/XXXX, the bank reversed all the money I got back and told me that the transactions were authorized by me, which I never knew.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX [ finance/personal ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2017-03-09
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: IT'S TIME - CREDIT REPAIR LLC (TX)

By means of this complain, my wife, XXXX XXXX XXXX and me, XXXX XXXX are having an issue with a credit repair company : It 's Time - Credit Repair ; which is located on : XXXX XXXX XXXX. # XXXX XXXX XXXX, TX, XXXX. XXXX : XXXX XXXX XXXX XXXX. We are submitting this complain against this credit repair company because it charged a series of illegal advance fees as well as misrepresented the cost and effectiveness of its services. We are seeking to halt the company 's harmful conduct and to obtain relief for us, including refunds of fees paid to the defendant. Our complaint seeks also our monetary relief, injunctive relief, and penalties. 
It 's Time - Credit Repair lured us with misleading, unsubstantiated claims that it could remove virtually any negative information from our credit reports and could boost credit scores by significant amounts. The company attracted us through its website and sales advertises. He promised us to obtain a mortgage and a loan for new house. The company lacked a reasonable basis for making these claims because it causes negative scores in our credit scores. 
It 's Time - Credit Repair ; charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company initial fees that it at times claimed were required to obtain special credit reports for us. The company also charged set-up fees totaling hundreds of dollars and monthly fees that often equaled {$240.00} per month. 
It 's Time- Credit Repair incurred on deceptive acts and practices in the marketing and promotion of its services. He promised us to erase several debts because there is a law who helps people with XXXX. Consequently, it lured us to get its services but it was a fraud because it was not true. Also, it promises us to improve our credit scores by challenging items on our credit reports, regardless of whether the information is accurate. 

Sincerely Yours, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. E-mail : XXXXXXXXXXXX
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (TN)

1st ProgressXXXX  XXXX  XXXX XXXX XXXX XXXX, TN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries
Consumer complaint received 2023-06-22
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: Affirm Holdings, Inc (FL)

ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " AFFIRM '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. AFFIRM FAILED TO REPORT TO XXXX THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " XXXX '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH AFFIRM AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY XXXX CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 XXXXAFFIRM IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! AFFIRM HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY AFFIRM. 3. AFFIRM PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST AFFIRM IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY XXXX CREDIT REPORT.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled 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 2021-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.