davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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. (FL)

On XX/XX/2023, I sent a certified letter to Equifax Information Services, LLC asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Equifax on XX/XX/2023. On XX/XX/2023, I received a letter from Equifax that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my Equifax report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Equifax Information Services, LLC, and a copy of their response for your review.

After you review this information, please make sure Equifax Information Services, LLC adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.
Consumer complaint received 2023-03-01
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. (AR)

XXXX, EQUIFAX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXX XXXX XXXX  account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX ( {$1200.00} XXXX opened XX/XX/XXXX XXXX XXXX XXXX # XXXX, ( {$62.00} ) XXXX XXXX, Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX  XXXX, Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.
Consumer complaint received 2023-03-01
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 

Here are the accounts that needed correction : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} This is my follow-up complaint in line with my prior complaint dated XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NC)

i sent this company certified return receipt mail asking them to validate this debt because this debt is not mine because of identity theft. there has been no response from this company at all and it has been over thirty days since i requested a debt validation. this is a violation of the If a debt collector continues to pursue collection without providing this validation within five business days of the request, they are in violation of the FDCPA.
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have tried multiple times to fix an inaccurate account on my report with experian. XXXX credit shows an installment loan for $ XXXX which I never agreed to- did not buy anything for that amount. I have asked several times for Experian and XXXX to provide the contract showing my signature engaging in a contractual agreement for any product or service in the amount shown on my report. Its been over a year and they have not produced any such paperwork just keep saying its verified. I am requesting they either provide the contract showing my signature or delete the account from my report per the fair credit reporting act.
Consumer complaint received 2023-03-01
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2019-11-30
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: SYNCHRONY FINANCIAL (WA)

Originally noticed a hard inquiry on my credit report on XX/XX/2019. Called Issuing bank and requested to have the account closed due to identity theft. 

Noticed on XX/XX/2019 that the account now has a balance of {$890.00}. Called Synchrony again on XX/XX/2019 at XXXX PST. Spoke with XXXX, and was told no one ever documented that I wanted the account closed or that it was fraudulent. Explained I called before, and XXXX stated he would close the account and take care of the issue and I would not be responsible for the outstanding balance due to it being fraudulent. 

Since then, I have put a fraud alert on my 3 credit bureau accounts, as well as freezing my credit files. 

I received a letter in the mail on XX/XX/2019 from Synchrony bank with a NEW credit card. I called on XX/XX/2019 at XXXX and spoke to XXXX . He stated that they decided to open a new credit card to pay for the amount due on the account that was previously closed, because they determined it was " my account ''.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WV)

I had 2 accounts opened up that I do not recall opening with Chase that were overdrafted. I've tried solving this with the bank and filed a police report which they refuse to accept and told me I needed to go to another agency to file ( filed with State Police ). This is going back and fourth with no resolution and no assistance.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (IL)

on XX/XX/XXXX I paid {$490.00} to XXXX XXXX for a VIP package that included a landing page from XXXX, branded photoshoot, access to finding government contract as well as a ticket to her free call center tour. website shows this was a free event but VIP comes with extra. Because I was part of her membership I got the VIP at a discounted price : XXXX : XXXX. I was originally told to allow XXXX days for the landing page but then it got pushed to XXXX days which would have been XX/XX/XXXX. I reached out to her assistant who informed me I would have it no later than the following Monday which would have been XXXX. I again reached out to get an XXXX on XXXX and she has since stopped responding to me. I then filed a dispute with cashapp on XXXX as the reference number is : XXXX as that is the card I used to make the XXXX payment and included evidence that I did not get the product and they keep denying my claim. I did not get what I paid for and I want a refund.
Consumer complaint received 2017-06-28
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: Experian Information Solutions Inc. (SC)

I sent certified letters to Experion start date wasXX/XX/XXXX, then againXX/XX/XXXX, after I seen nothing was done or any response, they didnt even initiate consumer dispute on any inguiries that were done without my knowledge as was said in the letters I sent, I now am done with asking for Experion for help that they are supposed to give me by law, ..Inquiry dates start withXXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX ...XX/XX/XXXX XXXX  XXXX..XX/XX/XXXX ....
Consumer complaint received 2019-11-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XXXX  and I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (SC)

I noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

Hello PayPal/Venmo : I was recently using your venmo app as I always do I have been a verified member for quite some time now. This is the main app that I have been using for years starting from XXXX all the way up until today where I am now graduated from college. It upsets there is not any human interaction from the venmo side that is able to send me at least an email or a phone call that could help explain any of this. My account got flagged because of XXXX payment of {$300.00} that I do very often ( every other day ) so it makes no sense. Then to make matters worst Venmo wont even let me withdraw the money I have in my balance. I need to use that money this weekend but they could care less apparently and it shows. I hope I can get some help here because this is an awful experience. Please someone help me or at least get me an answer. Thank you.
Consumer complaint received 2022-10-16
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. (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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 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 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 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

My USAA credit card has several built in benefits it advertises including satisfaction guarantee ( Return protection ). I filed two claims in XXXX ( claim XXXX and XXXX ). The first was rejected as the benefits center stated I had exceeded the annual number of claims allowed ( 4 ). This was an untrue statement as I had only submitted two other satisfaction guarantee claims within the preceding 12 months. I called the benefits center to clarify and was told it would be reviewed and corrected. It never was. Most recently when I inquired again, I was told it was denied as being outside the term limit. That was not the case either. The second claim was reviewed and I was requested to send in " salvage ''. I was waiting for the first claim to be reviewed so that I could send both items ( shoes ) together to save on shipping. Then the second claim status updated to say I had exceeded the annual cap. Again, this is untrue.I have two other claims for satisfaction guarantee on this card in the preceding 12 months : claims XXXX and XXXX. I have had no success with the benefits center after repeated attempts to get this point across.
Consumer complaint received 2023-03-01
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. (TX)

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 XXXXXXXX XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : $ XXXX
Consumer complaint received 2020-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

Made a phone call in XXXX to pay the remaining balance. This is when I found out the incredible amount of interest that I was being charged. Loan deposited in my account XX/XX/XXXX in the amount of {$1200.00}. There is a weekly payment withdrawn from my account in the amount of {$150.00} reoccurring till XX/XX/XXXX. The transaction is listed in my account under the name Hummingbird.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (TX)

Regional Acc has sent my information to so many fly by night companies that l know my personal information is out there and explains why fraud is my every day fight. My family and I go through the stress every day to protect ourselves but this is happening day after day while Im working to support my family like everyone else. Im exhausted but will continue to have my rights. Constant phone calls every day that a person has to silence Unrecognized Phone Calls Everyday! Also Regional Acceptance did Not report to all three bureaus until me.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I would like to address the presence of accounts in my credit history that do not show any monthly history. These accounts, lacking a record of regular activity, may not accurately reflect my creditworthiness and financial responsibility. It is important to note that the absence of monthly history does not imply any negative or delinquent behavior on my part.
Consumer complaint received 2020-01-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (MA)

I reached out to Honda and they agreed to help me out with some good Will by removing all derogatory marks on my credit that was fufilled at the time of working together, up to this day Honda has not kept their word that was sent to me via mail. Which was to remove the lates and so on. They have removed from one bureau but not the others. This 120 days late that still shows on two other brutes is occurred at the time and end of the lease where the car was returned but still reporting under my name after I was told my balance was at XXXX $!
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (TX)

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late 5. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Opened a car loan XX/XX/XXXX, last payment was XX/XX/XXXX which is incorrect last payment was XX/XX/XXXX, also the company claims they have a default judgement against me. My complaint is that the reporting info is incorrect of last payment, also the company closed my account XXXX XXXX 6 years later and updated it after i disputed in accuracy 2x now my score has dropped again 52 points after it dropped 100 6 years ago. The reporting is incorrect and reporting late in the past 60 days which can not be possible at all. My calculation now is based off a 60 day late with in the last 60 days. I have loss my home loan due to this and now Im paying for something 2x and its set to fall off XX/XX/XXXX this year but Im being calculated as if this is a 1 year charge off. This isnt fair or possible. My last 4 of social is XXXX. My date of birth is XX/XX/XXXX