davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
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. (NJ)

These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a Visa card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - Balance {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (MI)

On XX/XX/h 2023 at about XXXXXXXX XXXX cash app sent me a text message XXXX has taken a payment of XXXX dollars out of my account. I had just got paid and looked on my transactions and the money was missing from my account but there is no transaction for this amount on my statement. It is a recharge from XX/XX/XXXX XXXX  I made and paid for on the second of XXXX. I called cash app they told me to talk to XXXX I called the XXXX branch of Michigan who gave me a XXXX XXXX number that they have received several calls on this matter. I called this number made a complaint and the man on the phone said I would be refunded sorry that the system was down that day of XX/XX/XXXX. I waited the twenty four hours like I was told to receive my refund back. I did not get it I called the XXXX company again. I got no answers called the next day was told they have no recharge on there end. And I was not getting refunded. I call cash app either got hung up on or told it was a charge that was a glitch in the system for XXXX that they never took the payment out for the purchase and it was taken out today to compensate for the order. I am angry getting no answers and told. I won't get my money back. That was rent. I would like my money back of {$730.00}. I will be getting a lawyer next if I do not get my money back.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX, 2021.
Consumer complaint received 2019-11-24
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. (TX)

Please be advised that not only do I have no knowledge of the trade line XXXX XXXXXXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please be advised that not only do I have no knowledge of the trade line XXXX XXXX is reporting on my credit but you are also in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have tried numerous of times to contact this. Attached is a letter from the company.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One, and I was in touch with Capital One employees in CA CapitalOne Cafe. 
As of XXXX, i owed about XXXX dollars. I was notified that as long as there was a balance on my account, i would owe interest charges. OK. I spoke with persons over the phone, and people in CapitalOne XXXX. For XXXX, i paid XXXX before and on XXXX XXXX. I was notified that as long as there was a remaining balance for the month, i would owe interest on that balance. OK. Remaining balance after my payment is XXXX dollars. I was then told that if i did n't want to be charged interest in next month payment, I should pay in full amount of remaining balance before XXXX XXXX. I decided to follow their advice and pay the full amount of XXXX dollars before the end of the month XXXX XXXX. For 7 days my balance showed as XXXX dollars balance. I paid in full my remaining balance. OK. Then, suddenly, XXXX XXXX, i get a notice on email. You have a remaining balance of XXXX dollars. Why, i was told that if i made the remaining balance payment in full before the end of the month, i would not be charged interest/extra fees. I made the full payment of XXXX dollars. Yet, on XXXX XXXX, i was apparently charged XXXX dollars. That is absurd. I was told by Capital One that as long as i had a remaining balance at the end of the month, i would be charged interest. BUT, if I made the payment in full on the remaining balance, i would not have to be charged interest - as there was nothing to be charged on. It is absurd to be told that i would not be charged interest as long as i paid my credit card balance in full. Capital One i believe is misleading,
Consumer complaint received 2017-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MI)

I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.
Consumer complaint received 2017-11-09
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. (MI)

I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. XXXX is refusing to remove this information even with the documents that I have sent in.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XXXX 2020 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Consumer complaint received 2017-11-09
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: JPMORGAN CHASE & CO. (NY)

I CALLED XXXX CHASE BANK SPOKE TO A REP FROM THERE THAT WAS VERY RUDE AND NASTY TOWARDS ME WHEN I WAS TRYING TO REPORT FRAUD ON MY ACCOUNT. I TOLD HER THERE WERE SEVERAL CHARGES ON MY ACCOUNT AND I DONT KNOW WHO THE MERCHANT IS AND NEVER AUTHORIZED THESE TRANSACTIONS TO BE PROCESSED. THE REP FROM XXXX TOLD ME THESE ARE TO OLD TO LOOK BACK AND SHE COULDNT HELP ME. IM A ELDERLY MAN AND I DO FORGET TO CHECK MY STATMENTS I JUST PAY THEM. WITH THE HELP OF A FRIEND WE SAT DOWN AND WENT OVER OLD STATMENTS AND FOUND THESE CHARGES AND THATS WHEN I KNEW I WAS PAYING FOR THINGS I NEVER KNEW OR AUTHORIZED SO MY FRIEND AND I CONTACTED THE XXXX COMPANY. I WILL LIST THE CHARGES AND DATES SO YOU CAN SEE HOW MUCH MONEY WAS TAKEN FROM MY ACCOUNT ; XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX THIS IS ALOT OF MONEY THAT WAS FRAUD ON MY ACCOUNT. PLEASE HELP ME
Consumer complaint received 2017-08-30
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. (MI)

I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my Equifax and XXXX credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both Equifax and XXXX have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX ( XXXX ) ( 4 ) XXXX   XXXX ( XXXX ) ( 5 ) XXXX  ( XXXX )
Consumer complaint received 2019-11-24
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. (MN)

Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my XXXX  and Equifax credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.
Consumer complaint received 2017-11-09
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. (AZ)

After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (FL)

XX/XX/XXXX, i submitted letter to equifax to dispute the inaccurate information in my consumer report. with the letter i attached copies of creditor late payment statements, XXXX  is reporting my first late XXXX, XXXX have copies of late payment from XXXX thru XXXXequifax has stating they have not received my document to support my case. i submitted documents more than twice via usps.equifax has not began there process of investigating my dispute
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX of 2021 I applied for an American Express XXXX XXXX through their website ( reference # XXXX ). After giving my social security number and other required information, later discovered I was denied am extension of credit. 

When calling and asked why they stayed XXXX furnished information that proved American Express to deny me. I expressed that XXXX is furnished information that I have no consented to. However, that did not change anything.
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am getting frequent calls from multiple numbers on my cell phone from Portfolio Recovery Associates. I have NO unpaid debts, I have never received any mail or email from this company regarding any outstanding debt. I have blocked multiple numbers and they just call using a different number.
Consumer complaint received 2019-06-17
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX AND XXXX XXXX XXXX CREDITOR : XXXX XXXX  XXXX XXXX  ), XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
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. (MO)

The following accounts does not belong to me and I'm asking that these fraudulent accounts be blocked from my credit report. Not one single credit reporting agency provided any physical documentation for these accounts before reporting them, opposite of my request for physical documentation. I'm demanding that these accounts be blocked/ removed immediately. 

1 ) XXXX XXXX {$820.00} 2 ) XXXX XXXX {$670.00} 3 )  XXXX XXXX {$120.00} 4 ) Missouri XXXX XXXX  XXXXXXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.
Consumer complaint received 2017-11-09
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. (NJ)

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I made multiple payments in XXXX for my Discover card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. Discover claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.
Consumer complaint received 2019-06-17
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. (KY)

The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX   XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of   ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX  {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 )  Dept of ED/XXXX   {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX {$1700.00} 12 ) Dept of ED/XXXX   {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX  {$1000.00}
Consumer complaint received 2017-11-09
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. (WA)

I had ID theft and 2 fraudulent items are on my credit report. I reported this to all 3 companies YEARS ago ... all but Experian have removed it. I have notified them several times and they are still showing on my report. Not only were the cards not mine but then they " served papers '' to someone at a house I used to live at ... then got a default judgment because I was not there. They served a woman one of the judgements and the other was a man XXXX XXXX in XXXX and I am XXXX XXXX and a man. I live in Washington and the address they served was in New York. I tried to file request with NY to remove default judgment HOWEVER they said I had to go to NY ( I live in WA ). please help!
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all three credit agencies ( XXXX, Transunion and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except XXXX and Transunion. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from one company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that XXXX, Transunion and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from XXXX and Transunion stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XXXX/XXXX/2014 and XXXX/XXXX/2014 which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his XXXX XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only one listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, XXXX XXXX F XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, 2014XXXX XXXX XXXX, 2014 XXXX XXXX XXXX, 2014XXXX XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX XXXX, 2014