davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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. (DC)

On XX/XX/2021, I requested from XXXX XXXX for a credit line increase from XXXX of my credit cards, and it was denied. XXXX of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the XXXX number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was XXXX  so what is my problem? And there is no one I can talk to. 

I explained that it's not about being XXXX  but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call Equifax claimed that they provided XXXX XXXX with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and Equifax have the correct information. 

My last attempt was to call Equifax and asked for help as I'm not getting any results from XXXX XXXX. Equifax told me to reach out to you, as it's why I'm writing.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian refuses to delete a charge off my credit report and its hurting my credit score, I have tried calling them and also have submitted complaints online on the violation of my rights as I have not given written consent they need to remove it, I have let them know of my identity fraud and fraudulent activity and they still won't remove it from my account.
Consumer complaint received 2021-09-27
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/2019 XXXXDate of inquiry XX/XX/2019
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I was trying to send money to my brother in law because he has an emergency. I used WesternUnion mobile app, i paid the fees they asked for witch is {$11.00} Dollars to be delivered in minutes. I was sending {$290.00} + {$11.00} so total is {$300.00} Dollars. Now its been 24 hours the money is not sent. They asked me to upload my ID for verification. I uploaded all the documents they asked for. And still nothing happened. I am on the phone with them for almost 3 Hours trying to get a solution for this issue by either send it or refund it back to my bank account. But unfortunately I couldnt. Its very frustrating unprofessional people.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : JEFFERSON CAPITAL SYST Balance {$300.00} Date opened XXXX XXXX, 2021
Consumer complaint received 2021-09-27
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: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX XXXX, XX/XX/XXXX experian, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, Experian reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. Experian is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, experian and XXXX can not report different payment data. It has to match. The date of last activity is different from XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX XXXX bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted. 
I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-Capital XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX experian, XX/XX/XXXX equifax which shows different opening dates which are inaccurate, XXXX reports no data for the history of payments, XXXX reports the account being charged off, Equifax reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX Bank XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. XXXX is reporting this account with no data. XXXX is reporting as charged- off and equifax is reporting as OK. All 3 credit bureaus must rert accurate data. XXXX, XXXX and equifax can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be removed from my credit report.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX XXXX XXXX dollars was stolen out of my checking acct the bank said it denied my claim that can not be legal. American Express bluebird will not refund the money that was stolen from my account I believe they are breaking the law my money is supposed to be protected how can they do this and legally get away with this there is no way what they are doing is legal I have used them a long time I have a direct deposit checking acct with them some body hacks my info steals my money and they say we're not reimbursing your stolen money because it was not me who withdrew the money. What kind of investigation did they do. Theyare breaking the law.
Consumer complaint received 2021-09-27
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below was an erroneous account reporting on my Credit Report : XXXX  XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2021-09-27
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and needs to delete immediately : XXXX-XXXX-Balance {$290.00}
Consumer complaint received 2022-09-15
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. (CA)

The unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunset Management, Inc (GA)

Sunset Finance, XXXX, GA is continually calling me and my sister 's number ( XXXX ) XXXX. I have retained a credit repayment firm, and they received notice, but they continual to call. I am XXXX and the calls to me and my sister are causing a mental health strain. 

Please intervene for me. I am a XXXX veteran with mental and medical issues I have power of attorney with XXXX XXXX XXXX firm.
Consumer complaint received 2021-09-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I received two emails on XX/XX/2021 from what appears to be from XXXX XXXX The emails contained order confirmation for XXXX XXXX XXXX XXXX. I thought this was a scam for two reason : first, I do not shop at XXXX XXXX for car maintenance needs and second, the email address ended XXXX which I have no idea what company that is. The emails also contained payment information for the Citizens One Line of Credit ( which I never applied for ). I marked both these emails as scam. About two hours after those initial emails, I received an email from what appears to be from Citizens One ( Citizens Financial Group, Citizens Bank, N.A. ). I again marked this email as spam as I never initiated these purchases or applied for a Citizens One Line of XXXX. On XX/XX/2021, the two XXXX consoles from those XXXX orders were delivered to my address. I immediately tried contacting XXXX but there was no apparent number to call regarding XXXX XXXX XXXX Purchases. I tried calling the many different Citizens One numbers but none connected me with a real person.
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (NV)

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, Equifax, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Plastiq Inc. (CO)

I have been attempting to close my account with Plastiq ( XXXX XXXX XXXX ) since XX/XX/XXXX. They refuse to close my account, which contains sensitive information like bank and credit card information. They also are spamming me with multiple emails every business day.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

My Last complaint to this company XXXX did not report any findings regarding the debt they are trying to collect on. Under the law they have not provided any verifiable details stating that this debt in fact mine. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of identity Fraud 3. Violations of the Fair Credit Reporting Act. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

I thought you should know that when I attempt to make additional principal payments on my mortgage, Mr. Cooper is automatically applying a portion of the payment to interest and escrow even though I am up to date on my payments. this forces the mortgagee to have to call in repeatedly to have it corrected.
Consumer complaint received 2019-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/XXXX my wife and I got a letter in the mail from Wakefield and Associates claiming that they were collecting on a debt from XXXX XXXX XXXX  XXXX  for {$110.00} ( by the way the real debt was actually {$110.00} ). This debt was paid on XX/XX/XXXX 2  days before it was sent to collection and I called to tell them that. I also told them to contact the XXXX XXXX XXXX  XXXX to confirm that this debt had been paid. Wakefield and Associates refused to do this saying that it was our responsibility to pay this. I told them that it should be their responsibilities to make sure a debt they were collected on was valid ; however, they would not do this. Therefore, I contacted our XXXX credit union the bank that issued our bank card used to pay this debt. XXXX emailed me a copy of the transaction proving that the debt had been paid. I called Wakefield and Associates back within 30 minutes of our initial conversation and told them to send me an email address so I could forward XXXX information to end this debt harassment and not to contact us again about the matter again. They gave me an email address and I sent them the information that same day. Today XX/XX/XXXX, I get a new letter from Wakefield and Associates saying that we now own them a different amount from XXXX XXXX XXXX   XXXX  for {$57.00} and stating that we did not send them proof of the payment in the question above. All of a sudden, the amount has changed from {$110.00} after we proved we paid them. I think they know we paid them, but they are making up new changes for financial gains for themselves as our bill from XXXX XXXX XXXX  XXXX was only {$110.00}. We have never had another bill from them. Attached is an actual bill from XXXX XXXX XXXX XXXX and the XXXX statement. Wakefield and Associates are harassing us and trying to get payments that are not due. In addition, they over-inflated the initial charges that should have been owed. On a small scale this is not big but if you look over their entire history they are probably stealing a lot of money by adding on a few cents to each collection case.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.
Consumer complaint received 2021-09-27
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. (PA)

My gym bag was stolen from XXXX XXXX. From result of that my personal information was been compromised. Since then I have contacted a lawyer to help me recovery and restore my identity. I noticed inaccuracies on my report that I have made a separate sheet below disclosing all data. PLEASE REMOVE ALL INQUIRIES AS THEY ARE RESULT OF IDENTITY THEFT.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (WA)

Back in 2018 I lived in the apartment called XXXX XXXX XXXX XXXX  under housing authority of XXXX on section XXXX voucher. This apartment failed to comply with HUD housing papers to get paid. Took to court of law that determined I'm not liable for the debts the apartment had to pay me back all deposits and was settled in court of law with attorney. I've submitted copies to each bureau and to to said collections IQ Data certified mail. Called to be told to XXXX off by IQ Data and have yet to get it fully removed from my credit on XXXX. Debt goes up and down to just mess with my credit score. Housing and XXXX have told me to do this step next. This was settled in court of law that I am not liable for this debt. And settled.
Consumer complaint received 2021-09-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Today marks 31 days that i filed a dispute and i haven '' t received any information and their not complying with their own policies in a timely matter which is 30 days.