davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AZ)

i purchased a blue bird card start kit at XXXX XXXX store # XXXX on XX/XX/2020 and loaded {$230.00} onto card # XXXX i used the temp card with no problems, i registered it and recieved a new permanate card shortly there after. card # XXXX wich states my name INCORRECTLY ... ... ... ... ... ... .. MY NAME IS XXXX XXXX not XXXX XXXX XXXX i took my last name back in divorce so who you think you are or gives you the right to decide for yourselves witch last name i will use is not your place, but more important the new i tried using it for the first time it would not go thru saying card error for a purchase at store # XXXX on XX/XX/2020 for {$25.00}. 
so paid with cash the {$25.00} and went to customer service and made a balance inquiry wich stated there was a total of {$62.00} balance on card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .AND theres no transaction history what so ever of purchased made at all. so where is my {$62.00} and store credit for an on line returned item for {$30.00}?????????? 
after much wasted time trying to resolve this online and over the phone i want someone to answere me and have an explanation how you are going to get this resolved without me wasting any more of my time. including getting a replacment card with my legal last name of XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2020-06-11
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. (OH)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I want my account status updated its not 120 days past due. You are maliciously allowing this company to mess up my credit report the status I repeat is not 120 days past du Equifax, XXXX Last XXXX XXXX RE : XXXX XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on MY ACCOUNT .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' in my status I am not 120 days past due your maliciously messing up my score and I dont owe you guys a dime immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-01-06
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)

In accordance with the Fair Credit Reporting Act XXXX, Equifax, XXXX, has violated my rights by reporting the following on my report : DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX DEPTEDXXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-02
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. (FL)

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit score required to purchase a home. 

Transunion : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-11
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. (OH)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I made a purchase using my Paypal account on XX/XX/20. It was a purchase made via a XXXX ad. I later read through some of the comments and realized this was a fraudulent seller and I should cancel the transaction. I sent an email to the seller and it came back as undeliverable. I contacted PayPal to dispute the transaction on XX/XX/20. I disputed as items not received. On XX/XX/20 I received an email from PayPal that my claim was denied and the items had been delivered. The tracking info they provided said the items were delivered on XX/XX/20. This is before I made my purchase! They have denied my claim and I am unable to speak with anyone. Please assist.
Consumer complaint received 2020-06-11
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)

I have a subscription with Experian to monitor my credit file. And even though I pay Experian for online access to my account and to dispute items online, Experian blocks me from disputing online a fraudulent account being reported by XXXX/XXXX  XXXX  XXXX. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to XXXX/XXXX   XXXX XXXX  reporting of a mortgage paid late allegedly owed by me. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputing the account to XXXX and Experian and providing them both police reports they say they never received. Under the FCRA fraud victim rights, when a credit bureau/ credit reporting agency is notified of an account as fraud the account is supposed to be blocked by that agency/bureau during the investigation. Upon receiving proof of the item as being fraud it is to be removed. I provided Experian with a police report that identified XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXas fraud. 

I also disputed it with and provided letters of dispute sent to XX/XX/XXXX/XX/XX/XXXXXXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. Experian sends me a dispute completion notice stating that I should have known this account and that they verified it as mine when I AM THE VICTIM OF FRAUD. 

I tried numerous times to continue my dispute via online but I WAS BLOCKED EVEN THOUGH I PAY EXPERIAN FOR THIS SERVICE. Under the fraud victim rights according to the FCRA, I am entitled to have this account blocked as I have identified this account as fraud and I have provided TWO SEPARATE police reports indicating XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXas fraud. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to Experian in reporting of this fraudulent account as it is defaming and willfully harming me as a consumer. I also requested a personal statement be added to the XXXX account in my credit file specifically stating that " XXXX account is Fraud ''. 

I provided Experian with the cease and desist I also sent it to XX/XX/XXXX/XX/XX/XXXXXXXX XXXX in their reporting of this fraudulent account to Experian.
Consumer complaint received 2023-01-06
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. (VA)

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 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 2022-03-02
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. (FL)

I am filing this complaint to request the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXXXXXX XXXX Balance $ XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account ; XXXX XXXX XXXX XXXX Balance $ XXXX The late history should not be showing late because I think I paid on time. Please update the late payments from this account ; XXXXXXXX XXXX XXXXXXXX XXXX Balance $ XXXX I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately XXXX XXXX XXXXXXXX XXXX Balance $ XXXX This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately ; XXXX  XXXX XXXX Balance $ XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-01-06
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. (TN)

I disputed several items on transunion because the information being reported was incorrect and being reported differently on all three credit reporting agencies. 

I asked for this information to be verified and updated and they did not verify or update the incorrect information. 

They instead sent me back confirmation that they verified these items. 

I checked my credit report again and these items are still incorrect. 

i also asked them to update my name and address and employer and they have not. They have been sent my correct information with driver 's license, social security card, and utility bill with correct address and they refuse to delete the incorrect names, and addresses from my credit report.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (CA)

NCB Management is reporting to CRAs as an open Factoring Account. Attempts to remove this account, and the falsely reported information, have gone unanswered by the agency. 

On XX/XX/2020 and XX/XX/2020, letters were mailed to the agency 's XXXX XXXX XXXX , XXXX, PA XXXX address requesting validation, and I have not received a response from the agency validating any of the information that is being reported to the 3 CRAs Currently the account is being reported as an individual account/paid as agreed with additional annotations that it is a collections account.
Consumer complaint received 2020-06-11
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. (OH)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-08-04
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)

For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.
Consumer complaint received 2020-06-11
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)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant XXXX {$92.00} XXXX {$91.00} XXXX {$100.00} XXXX {$1000.00} XXXX {$1700.00}
Consumer complaint received 2024-01-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing to express my concern and frustration regarding the recent closure of my BJ 's One Mastercard and the confusion surrounding my identity verification. 

On XX/XX/2024, I received a letter stating my autopay was canceled due to a status change with my credit card account. Upon logging into the Capital One website, I discovered the account was closed, while my checking account remained active. I immediately called the XXXX number for the Capital One BJ 's credit card and learned I had been sent a letter requesting identity verificationa process I had already completed for my Capital One checking account. 

This caused considerable confusion. When logging in, the website displays all my Capital One accounts, leading me to believe verifying my information once would suffice for all accounts. I was unaware Capital One has separate banking and credit card divisions, and nowhere on the website mentions needing separate verification for each. This lack of clarity led to me unintentionally neglecting the credit card verification. 

I understand my responsibility to verify my identity upon request. However, the combined online platform and lack of clear communication regarding separate verification processes for different Capital One divisions resulted in this misunderstanding and the unfortunate closure of my credit card. 

This closure has negatively impacted my overall credit limit by {$12000.00}, potentially affecting my credit score. I have filed a complaint with a supervisor ( case # XXXX ) and requested a prompt resolution to reopen my credit card account and address this issue. 

Furthermore, the online customer service portal is currently inaccessible for my checking account due to my " restricted account '' status, further hindering my ability to manage my finances.
Consumer complaint received 2022-03-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX XXXX XXXX , am a victim of identity theft. There are multiple fraudulent accounts on my credit prole from various companies like XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and egregious collection accounts from XXXX XXXX and XXXX XXXX XXXXXXXX. I demand that all negative/adverse remarks are immediately and permanently deleted.
Consumer complaint received 2020-08-04
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. (FL)

For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. Auto Sales Inc. (NC)

On XX/XX/2023 I went into US Auto Sales- XXXX - XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX with my pre approval to make a Consumer Credit Transaction to receive Financing for a vehicle. 

This XXXX expressed that they were under TRUTH IN LENDING and continues using Confusing or misleading advertising or marketing requiring down payments or installments to be made in connection with financing. Pursuant to 15 USC 1662 [ No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit XXXX state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a ( specified downpayment is required in connection with any extension of consumer credit ), unless the creditor usually and customarily arranges downpayments in that amount. ] I know that I am a Consumer and as a consumer it is my credit that is being extended for financing to be possible and that once I am approved for financing then I should not be required to make any cash payments or installments pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. 

XXXX XXXX the sales representative along with XXXX the XXXX continued to use High-pressure sales tactics to enforce a downpayment although this was a XXXX XXXX transaction. 

I have intentions to purchase the vehicle in good faith as personal property to have a reliable means you and from work. Due to these unfair and deceptive practices I have been fraudulently denied the right to extend my credit and act as a consumer and would like to claim damages loss due to this negligence.
Consumer complaint received 2020-08-04
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. (FL)

AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.