davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZWICKER & ASSOCIATES (NY)

XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX  on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I have a problem retrieving my Equifax credit report under the FCRA I am registered with Equifax ( My Equifax ) membership service that enables consumers to view there Credit Report and submit disputes. There is a block on my report that XXXX XXXX, Equifax, Any other third party credit score services are not able to get an updated report of mine. 

The MyEquifax username is : XXXX XXXX
Consumer complaint received 2020-03-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I recently realized my identity had become compromised and that I had become a victim of identity theft. I reached to all three of the major consumer reporting agencies to file a dispute an to submit an identity theft report as instructed by my local law enforcement agency. I included a copy of my drivers license, utility bill, and social security along with an updated copy of current address, name, and etc. I also was sure to include in the identity theft report a list of the fraudulent addresses associated with the fraudulent accounts to make sure the were removed from my credit file. Some of the accounts in question, being the identity theft report would only allow me to list 5 are 1.XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX  # XXXX, 3. XXXX # XXXX, 4. XXXX XXXX XXXX # XXXX, 5 XXXX # XXXX. I received a notice from Experian Report # XXXX stating they were not able to honor my request due to my request was made in error, misrepresentation, or I obtained possession of goods, money 's, or services. This highly unacceptable when Experian has no proof nor has provided any nor accurate verification period. Anyone who would have access to my personal information would be able to fraudulent open or establish accounts in my name. Experian has violated the Fair Credit Reporting Act sections 605b, 609, and 611. I have sent Experian more than enough of supporting documentation supporting my claim and yet these fraudulent accounts sill remain on my credit file. My consumer rights have and continue to be violated, not to mention denial of credit from creditors continues to be an issue.
Consumer complaint received 2024-01-03
Product: Credit reporting 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. (IL)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries was made without my knowledge or consent, and I request it's immediate removal from my credit file. 

Inquiry Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXX Music Player fro the amount of {$3800.00} and used my Visa XXXX to pay for this amount. The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX receives the item below, we'll issue a refund to your original payment method '. However, I haven't received a refund and filed a billing disputed. For your convenience, I've enclosed all the supporting documents.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one closed my secured card unexpectedly this is not fair refused to give me back my security deposit after leaving no balance and everytime I login I see 4 different closed credit card accounts they wont remove them tell me it takes months and its been months and its still on my online banking
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

During my time with XXXX my bill was normal in the beginning and it steadily started to increase. By XXXX of 2020 my bill was approximately {$820.00} with {$170.00} in unauthorized data boost charges. By XXXX the bill total was {$630.00} with an additional {$380.00} in, again, unauthorized data boost. XXXX bill was {$1000.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$330.00} in data boost. XXXX bill was {$1500.00} with {$350.00} in data boost. XXXX bill was {$1100.00} with {$800.00} in data boost. XXXX had a bill total of {$1900.00} with {$380.00}. XXXX bill was {$1800.00} with no data boost and that is when I closed my XXXX account. Now, the final amount has risen to {$2400.00}. These data boost make up more than half of the amount owed. These data boost were unauthorized charges on my account and I received no documentation about these until they appeared on my bill every month. I called XXXX multiple times a month about these data boost charges and not once were they able to help me or even remotely fix the issue. I have copies of my bills as needed and every email I received from XXXX. XXXX carelessly took large amounts of money from me and are now trying to take even more.
Consumer complaint received 2020-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I had an account go on my credit report that does not belong to me. I have credit monitoring and that's when I go the notification about this. The account in question is from XXXX XXXX Acct # XXXX. I figured I would take this route before seeking legal representation concerning this. I know with all the security breaches Experian has had, I am pretty sure my ID was stolen which has caused me undue hardship in making my credit good in these troubled times. Please investigate and you will see this account does not belong to me.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3100.00} XXXX updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2020-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. The problem is it still plans to collect another {$1300.00} meaning it will get {$3300.00} for the {$1800.00} borrowed. This is outrageous!!! 

Given the current state of our world, I beseech Cash Net USA to settle my account with one more payment by me paid via check in the amount of {$500.00}.
Consumer complaint received 2020-04-04
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. (CA)

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by Experian. Experian said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for Experian. Even XXXX  ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid Experian to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach Experian, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

# XXXX account this account is NOT mine! I have contacted Equifax over 18 times to remove this account that isn't mine. They show no proof of where they verify this. I have even sent them a hard copy of proof showing this isn't mine.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Good Morning. My name is XXXX XXXX. I received an email stating that Chase was closing my Amazon Visa signature account. I have attached a portion of the letter. 

The only account with a high revolving balance is my XXXX XXXX Card. I use that card religiously and pay it a lot each month. My other cards are under 30 % The only requests for credit pulls is Chase pulling my credit 3 times within a 30 day period. I have never not paid my bill at all. This account has been opened for less than 30 days. CHase pulled my credit on XX/XX/20, JPMCB pulled my credit on XX/XX/20, and Chase pulled my credit on XX/XX/20. My score on XXXX  is a XXXX. It would be higher if Chase didn't pull my credit 3 times in a month. I don't know why XXXX XXXX takes so long to update but my balance with them is XXXX. 

I feel that the review is unfair and I am not happy about it at all. I feel like Chase just wanted a reason to close the account and discriminate against me. I would like this decision reconsidered seriously. I tried to call the reconsideration line and it wasn't open. I haven't even gotten my first bill yet in order to pay it and prove myself. 

I was planning on going into the branch on Monday and open up a business account so that I could establish my business with Chase. I am not sure if I will do that right now. I am a bit stunned that this is what I woke up to. I came to chase because my parents have a mortgage with you. My mom has a card with you and I am an AU. I have been wanting to get in the door and this is a beginner card with me. XXXX and XXXX have been better with me and have treated me fairly and right. They haven't done this to me at all. Yet Chase closes my account. Someone from the Reconsideration line had me on the phone for almost an hour to get this account approved. They looked at my balances and everything. Same for the temporary credit limit increase. THis isn't right. I take care of my credit. I have worked hard to get to this point. Any company is lucky to have me because I use my card, I pay my balances, and I pay way before the due date. I take my responsibility very seriously. 

I appreciate this being rectified.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

Experian and XXXX is reporting Unauthorized inquires on my credit report I did not apply for anything and requesting to have this removed Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] This not a Credit Repairs Service either, I'm doing this on my own to save time and money. I'm tired of the stall tactics I have submitted my ID and Current address since Experian and XXXX sends me letters asking for my information again when they already have my information on file. this my las time disputing my credit report if I continue to receive stall tactics letters. As a consumer I will exercise my right to sue for damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} 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 I submitted my ID and Utility bill just in case they ask for it again acting like they don't have it.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/2020 a representative from Lane Bryant  Commenity Bank called me for the second time in one week about making a payment. I told them both times that I am unable to make a payment due to not having the funds do to having to provide things for my family during the covid 19 outbreak. I am the only person working in my home. I just sent them a payment last month when I was able too and now they are harassing me again before XXXX is even a week in. I asked them if they could offer some type of extension and they asked me is I could pay. They were not trying to work with me, but treats me like I was lying about my situation.
Consumer complaint received 2024-01-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXXXXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (FL)

Net spend all-access sent a credit card in my name and I didnt request. Tried to call and was told number is out of my service area. Which means not only did they send me a card in my name but they also have no way to contact other than web and who knows where that will lead.
Consumer complaint received 2020-03-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

There is a car loan with a repossession on both my Experian and XXXX Credit reports. I have tried getting information from both the lien holder and car dealership listed on the report. The car dealership is no longer in business and the State of Oklahoma has no record that the entity existed as a legal business in the state of Oklahoma. I have repeatedly requested information including a contract and signatures from XXXX XXXX XXXX regarding this transaction. I believe this is a case of identity theft and I am unable to provide ANY information for an investigation and XXXX XXXX XXXX has NOT provided proof of the debt to me. I have disputed with all three credit bureaus. XXXX  concluded that XXXX XXXX XXXX has NOT and CAN NOT provide proof of debt and removed it from my report. Experian says the debt has been verified. I have repeatedly asked Experian both on-line and by certified letter as is my right under the FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my aforementioned dispute. Experian has NOT provided this information. It has been more than 6 months and I have made multiple calls and sent several letters that have gone ignored.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. 
Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.