davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (PA)

XXXX XXXX XXXX Inquired on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account, 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 an account without my written instructions. 

XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX  Account, 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 an account without my written instructions. 


XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account, 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 an account without my written instructions.
Consumer complaint received 2021-12-29
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: JPMORGAN CHASE & CO. (OH)

I used my Amazon Prime Visa Chase card to purchase XXXX on XXXX on XXXX XX/XX/2021. I returned it and then after XXXX banned my account! So that I can not trace my return. So I disputed the charge from my card. Then what happend was they rebilled that charge on my account on XXXX XX/XX/2021. I have proof that I returned the product and XXXX also received it. But Bank is not responding anything with that. They told me that charge is valid. I contacted XXXX and they are saying we processed your refund ask your bank. Bank is asking me to ask XXXX. Im tired of this thing. While I have the proof. Im a XXXXXXXX XXXX from XXXX and I really didnt expect that The XXXXXXXX XXXX and companies will do this type of thing and will harass the customer like this. Im really really tired of these guys. Ive no idea what to do.
Consumer complaint received 2021-12-29
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. (GA)

XX/XX/21, XXXX emailed me about a new card which I did not request. 
XXXX closed the card and told me to call Equifax to request a fraud alert. 
I talked to Equifax and XXXX and I asked both to REMOVE THE HARD INQUIRY from XXXX on XX/XX/21. 

As of XX/XX/21, Equifax did not remove it and XXXX is refusing to give me a credit report.
Consumer complaint received 2021-12-29
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

They have closed my account agsin without notifying me. They also refuse to reopen it if I pay the full balance. They closed it due to a single return payment which is ridiculous bc I didnt schedule a payment and they never called to ask about it or why it was returned, just closed my acct.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (LA)

I bought a paypal prepaid card at a XXXX XXXX I loaded XXXX usd on to the card. When i proceeded to activate the card online, the website gave me a different phone number to call than the one on the back of the card. ( which i had already called and received a one time link text to my phone to get to the website to activate the card ). So i called the new number because apparently there was a problem activating the card. Net spend answers my call with an automated service. I went thru the process and gave them my info. They transfered me to an associate who proceeded to tell me that since i had an XXXX NETSPEND card that had been canceled due to me using it for business purposes which is apparently strictly forbidden, that i could no longer use the netspend services and would have to wait 10 -25 days to receive a check for reimbursement. The check never came. The peculiar thing is, i have a paypal account that i use everyday on my phone which is why i bought that particular card thinking i could transfer immediately to pay a bill. This has been over two and a half or more months. The bill didnt get paid and i subsequently lost a job due to the fact that i was locked out of my storage building ( where i house my tools for my business ) all because paypal prepaid or netspend or whoever thinks they can just hold your money without a legitimate cause. What if this was a gift card i was giving to someoneelse. There has to be a law broken here i lost XXXX dollars to another subcontractor on a federal government job due to this and i needed that money. I still work for XXXX XXXX XXXX XXXX XXXX  but i lost that job and that has really set me back and i still havent caught up. Ruined XXXX  and XXXX and the new year and my relationship.
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased an XXXX XXXX ticket online from a travel company. I printed my ticket and arrived at the train station, only to be told my ticket was invalid and I had been scammed. The original charge was {$500.00} on my BJs Capitol One XXXX. As I did not have a legitimate ticket to ride the train, I had to purchase another ticket for {$560.00} from XXXX. As soon as I discovered that I had been scammed I reached out to Capitol One to start a dispute over the {$500.00} charge. This began a long series of requests for proof of my claims which I sent them. Each time I sent them the information, they would immediately refuse my claim. Its as if they are reading from a script and adding one more thing you have to come up with every time they talk to XXXX resolve your claim.After approximately 20 phone calls and as many requests for more information, I was unable to provide anything else and they refused my claim. When I realized that I was getting nowhere I offered to split the {$500.00} and accept that as the final step in the process. Capitol One refused my offer.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with Nissan Finance. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but XXXX  has a negative report against me.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (TX)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-12-29
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)

On XX/XX/2021 I received alerts that my score has went down tremendously. I contact the consumer reporting agency to figure out what was going on. I sent a CFPB complaint prior months and my response was that the information wasnt reporting on my consumer report. I have been hung up on. It seems that I can not access to anyone on the phone and when I am speaking to someone they make it seems as if they cant hear but I know that it is bs. I have been treated unfairly and discrimination. I feel attacked and I have several pre recorded calls with me an agents talking and them telling me awful bullying words. I will litigate and file a civil law suit due to discrimination, bullying, privacy of my rights on my personal information, no consent given to consumer reporting agency, which did not interview anyone, reporting false information. My record indicates that several times this consumer reporting agency was able to create false lies. CFPB allowed consumer reporting agency to lie and create this malice to my consumer report causing Defamation trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. XXXX and XXXX and XXXX XXXX  isnt worth {$1000.00}. I demand compensation for my health time and interest for the terms that this information was reporting onto my consumer report without my consent. Not giving consent is fraud. I did not give any consent. I did not give any consent.
Consumer complaint received 2021-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I called Citizens Bank on XX/XX/XXXX to notify them that I would be unemployed after XXXX XXXX because I was moving back home to XXXX from Texas to assist with the care of my great grandfather ( who is also the cosigner for my loan ). He is currently in a nursing home and doesn't have extra income to help me with payments. 

I was told on that initial call that I needed to pay the rest of my late payment, and then I would qualify for forbearance and to call back the next day to initiate the process. I called back the next day after making the payment, and submitted my application through the representative on the phone. I was told I'd receive an update between 5-10 business days. 

I called again on XXXX XXXX after 7 business days because I noticed my account had not been put into forbearance or deferment. The representative resubmitted the application on that day after I gave them the same information. 

I called again the following week prior to the holiday to get an update, and was told that my request was still processing. 

I have received numerous email notices about my late payment which I can not pay because I no longer have an income. I have not received any paper notices in the mail about the decision or application confirmation or any email notices or updates about my forbearance/deferment decision.
Consumer complaint received 2023-06-28
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. (LA)

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 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 2020-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

My identity was stolen in the year of XXXX. In XXXX I received a letter from a debt collector agency threatening to garnish me. I reached out to this company, apparently this account was falsely established using my personal information that I didnt have any knowledge of until XX/XX/XXXX. The account in questioned is 15 years old. This fraudulent account has been in collections since XXXX. I am a victim of identity theft. Im not paying for someone elses debt.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax & XXXX is violation of 15 U.S Code 1681i ( XXXX ) ( B ) ( ii ) ( XXXX ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to Equifax & XXXX to report anything on my consumer report.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX  XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance
Consumer complaint received 2020-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC (NC)

I have been doing business with Lendup.com for some time now and have not had a problem with them except for this month. I established an installment loan with them of {$500.00} a few month ago and agreed to pay payments of {$93.00} per month, due on the XXXX of the month. ( I am on XXXX and get paid on the XXXX of each month ) I signed the agreement in good faith. Yesterday, the XXXX of XXXX, they took the {$93.00} out of my account which caused a negative balance in my account. My bank, XXXX XXXX XXXX, charged me a fee of {$35.00} for the negative balance. 

In addition, I changed my phone number several months ago and have attempted many times to inform Lendup of the change through their contact page on their website. I have yet to hear back from them to get this changed. I can not change the number myself on the account and it is the only way I can contact anyone there. They do not accept calls as they call back when I call. But since they have the wrong number, I can not talk to anyone. Please help! 
Respectfully, XXXX XXXX.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

My name is XXXX not XXXX, XXXX, XXXX these names are erroneous. I never lived in XXXX MS nor have I ever worked at XXXX. The last four of my social security number is erroneous as well. I have never filed Bankruptcy.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

My closed accounts are being included in the credit score calculization. It says that the utilization of. Reset is based on how much credit is being used out of the available open accounts. They are including closed accounts in my score and it is not calculating my score properly.
Consumer complaint received 2020-12-30
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. (TX)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX XX/XX/year> a letter of debt validation was sent by certified mail to Columbia Debt Recovery LLC , Genesis XXXX XXXX XXXX XXXX XXXX WA XXXX. 
XXXX XX/XX/year> confirmation of letter with signature *As of XX/XX/year> I have not received any documentation showing proof of debt as requested.
Consumer complaint received 2023-06-28
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX 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 2020-12-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I noticed I had late payments on my Wells Fargo Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (LA)

I file a complaint before about this debt for XXXX XXXX XXXX My ex wife and i had a car loan with cXXXX XXXX XXXX this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXX of XXXX i did a debt validation letter to them and they drop the balance to zero on this account .Now in XXXX of XXXX they must have sole this debt to Jefferson Capital Systems because now this collection agency have put it back on my credit report as of XXXX XXXX. This is fraud and i want it remove ASAP.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

SYCB/ JC Penny is reporting an erroneous late on my credit file for the month of XX/XX/2020. The balance on this account was paid a month or two prior, so there's no way I could have a late for XX/XX/2020. I am requesting proof and more information about this. I was not late and it needs to be removed off my credit file.
Consumer complaint received 2020-12-30
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. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.