davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me significant anxiety. I am unable to sleep properly due to this issue. Please promptly update my account and remove any incorrect information to alleviate this stress. I am begging you to take action as soon as possible.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for validation of debt for the attached accounts. I have not been provided the original contracts nor any document stating these account are mine and should have been sold.
Consumer complaint received 2022-11-13
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: HANCOCK WHITNEY BANK (LA)

I am seeking assistance in the matter of a dispute between all major bureaus and a financial Bank and lender Hancock Two payments were sent to Hancock Whitney in the month of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these two payments in XXXX, but a payment large enough to cover 2 months were also made in the month of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported 60 days late on XX/XX/XXXX after filing my initial dispute they updated the reporting to 30 days, Well this is still incorrect so I initiated another dispute with all three bureaus each time the lender has creatively updating my file but never removed or correcting the 30 days late XXXX notice it showed updated but nothing changed, XXXX noticed the 60days was changed to 30 days, XXXX was up dated added how much I paid on my loan each month because I always pay more than my amount due. A third dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX ILLEGAL in XXXX causing my XXXX score to drop further. My account and credit file clearly state for the year XXXX, I made 12 on-time payments another error. 
XXXX, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a 10-day grace period therefore I have until the 10th day of the following month to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This lender is the liar, and thief here I am the victim, the victim of credit discrimination. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a 10-day grace period therefore I have until the 10th day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (CA)

XXXX XXXX XXXX there were over {$450.00} worth of transactions in small ammounts to 3 emails. i reported it as fraudulant charges and identity theft. they understood the problem and deemed it authorized transactions because it came from my acout even though i had no acess to my acount and my phone was hacked and i was receiving death threats.paypal closed the case a second time even faster after i send the dispute letter from the FTC.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Back in XXXX, we moved to Nevada to get away from my stepdad who had XXXX basically following us around who is supposed to had a house and the company we had House with scammed his name XXXX  and so basically we didnt have a house we been homeless since and been kind of you know staying with people here in there if we can but Capital one has issued my mother emergency funds to feed us and to get gas and for a hotel some nights but when I asked them XX/XX/XXXX and XX/XX/XXXX I have my mom call and talk for me and I gave permission for her to talk for me because shes my legal guardian. She has power of attorney and things over me they keep refusing to give me emergency funds and they wont tell me why And I said to them that you know Discrimination my mom told them the same thing you cant do some for one card per member and wont do it for the other they kept saying that it doesnt give them the option to do so but they did it for my mom, so how can you say you dont do it and you did it for her and I just talk to them tonight and told my mom and they wouldnt do it and when I mention Discrimination they still want to do it also mention to them that I was recording them. They got mad both times and hung up the phone saying that we couldnt record what they were saying, but yeah, its XXXX for them to record us on the call. It says theyre recording this day told me they were recording that so therefore I can record them as well to protect myself against stuff like this from them saying they didnt say this or say that they refuse to tell me or my mother why they couldnt offer me the emergency fines, so thats why Im making a complaint against them for discrimination. If you did it for my mom which you can call her at XXXX. Her name is XXXX XXXX and she can show you and tell you that yes they did do that for her then they should be doing it all card members. I told him that we dont have any food steal. We havent found nowhere to go yet. Hopefully will have somewhere to go Saturday, but my job did not transfer over yet because they keep saying the lady is not and every time I call to finish my transfer to XXXX so therefore were not getting paid we dont have a check or anything so thats why we want emergency fires just to have gas to put the car somewhere and get around and look for jobs and for food and they refused it and would not explain why they refused to explain why saying that they dont have to tell me that, but its my account so they have to tell me and then again hung up the phone when I told them while they were being reported to so Im not sure what is going on, but they did give my mom emergency funds for the exact same situation. We are all in this together for the exact same reason.
Consumer complaint received 2022-05-17
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. (MO)

Equifax has failed to send over any proof sign signatures etc of the. They stated they verified the information with XXXX XX/XX/XXXX which is false because my XXXX has bee frozen since XXXX of XXXX. Failure to send over proof of documents etc item need to be removed from my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: B&F Finance Corp. (OK)

Hello My name is XXXX XXXX and I was experiencing XXXX  pain from my XXXX  and unable to XXXX. This problem continued for over several months and affected me to the point were I was unable to work which caused me to get behind on all of my bills. I finally realized I need to seek medical attention but could not afford to pay {$100.00} copay and additional money needs if prescriptions were ordered so I went to B & R and obtained a signature loan. I went to doctor and several tests were ran and I was diagnosed XXXX positive and advised it might be causing the additional XXXX issues. The medical problems continued due to the medication needed was over {$2000.00} and I just didn't have access to that kind of money and I also was embarrassed and fearful after receiving diagnosis that my job would find out and terminate me so I was being seen as uninsured. B & R called regarding payment and I advised of my inability to pay at this time due to out of control issues. That's when the repeat calls started and I spoke with each person within their office and explained the situation somewhat but told them it was related to IRS issues. I couldn't gain the confidence to disclose the real reason I was unable to work. They called and threatening wage garnishment, disclosed wage garnishment to all my references, left wage garnishment information on my cellphone and at my job. They left message stating that I would be terminated from my job at law firm if they file wage garnishment. They stated that I was avoiding their calls and that I was a terrible person because I stopped communicating with them. They advised me that when they gave the loan I was okay but now that I cant pay I am a terrible person and need to pay up. They advised me instead of paying my rent I can pay them and live in shelter or stay with family and friends. These actions taken by the company has me stressed and adding to medical issues i am battling.
Consumer complaint received 2023-06-06
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-08
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: ENCORE CAPITAL GROUP INC. (NV)

Hi, I have submitted disputes with the 3 credit bureaus 3 times all have been dismissed and left info on my report. I have left vm 's with the debt collector explaining that they have the incorrect data attached to my profile and they have not been getting back to me. 

This is a debt from 2015 and I am noticing Midland Credit has added XXXX documents to the account for another one of their " customers '' and won't replace it or get back to me, they send the same letter and the credit reporting companies are not helpful so not sure what they are sending them. 

But when I login to my account using the bills they send me I get a lady from WA 's  bills, I have attached them. 

I have videos of the login process but you can go to midland credit 's website and pull it up yourself. 
https : //www.midlandcredit.com/ XXXX I recorded a video but you can login too using the account number below and the last 4 of my social : XXXX
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-16
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: CITIBANK, N.A. (OR)

XX/XX/XXXX Sears Home Improvement account, bank note held by CitiBank opened. 
XX/XX/XXXX XXXX charge for the initial down payment for the Sears Home Improvement project/contract signed on XX/XX/XXXX. 
XX/XX/XXXX Sears Home Improvement suspended job performance without notice to contractee, thus failed to complete project. 
XX/XX/XXXX Sears Hone Improvement terminated contract without completion and retained all monies paid towards project. 
XX/XX/XXXX Litigation complaint filed with State of Oregon Construction Board for the contract breach with Sears Home Improvement. 
XX/XX/XXXX State of Oregon Construction Contractors Board mediated on complaint to access the Surety bond of up to XXXX. 
XX/XX/XXXX Sears Home Improvement offered monetary settlement of XXXX for damages. 
XX/XX/XXXX Sears Home Improvement refused to settle on complaint from the liability insurance as proposed. 
XX/XX/XXXX Consumer dispute filed with Sears Home Improvement account, bank note held by CitiBank. Citibank failed to complete dispute timely with processing well over 11 months. 
XX/XX/XXXX Filed claim for litigation through Small Claims court aa directed by State of Oregon Construction Contractors Board. 
XX/XX/XXXX Contacted Citibank dispute department, dispute was still in processing. 
XX/XX/XXXX and XX/XX/XXXX Sears Holdings Incorporated, et al., and all its affiliates including but not limited to Sears Home Improvement , Inc. filed Chapter XXXX Bankruptcy, XXXX XXXX., which imposes an 'Automatic Stay ' on ALL litigation and claim proceedings. 
XX/XX/XXXX CitiBank determined they were unsuccessful in processing dispute, no charge-back from merchant could be attained, and as a result no resolution was achieved even though my account was in good-standing. 
XX/XX/XXXX Submitted an Executive Complaint to CitiBank regarding the excessively lengthy dispute processing time, and the misrepresentation of my Consumer Rights. 
XX/XX/XXXX Citibank response was they have no recourse to recover funds or a resolution on the matter even though my account was in good-standing. 
Total due : XXXX XX/XX/XXXX Citibank billing statement added late fees and interest totalling a payment due of XXXX XX/XX/XXXX Citibank billing statement included a late fee reversal of XXXX even though the fee is XXXX, total payment due XXXX XX/XX/XXXX Settled account with CitiBank for XXXX ; however, CitiBank will not remove late payment notifications to credit reporting bureaus even though the account was in dispute and is in litigation with multiple courts and State Agencies. 

Note : XXXX was notified of the above dispute and worked diligently to assist, however, there are limitations as to the level and nature XXXX handles disputes in reporting.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing again in regards to the inaccurate and unknown items on my credit report. It has been over 30 days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this items. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXXXXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-13
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. (PA)

I XXXX XXXX am a natural person and i am submitting this complaint/dispute on my own behalf NOT any third person. I have personally disputed an inaccurate account with the CRA Experian as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a third certified letter to to dispute this incorrect information they are reporting. I recieved a notice from Experian on XX/XX/2022 that account has been verified as accurate. Experian is reporting an account from XXXX XXXX XXXX ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to validate this debt with NO RESPONCE. This inaccurate account needs to be DELETED
Consumer complaint received 2022-11-13
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. (WA)

In accordance with the fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-09
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. (NJ)

I simply asked for an examination of the disputed items since I believed the credit bureaus did not sufficiently look into my dispute. The three credit bureaus ' records show that it was false. The three credit bureaus need to replace the following information from my file because the credit bureau 's inspection was done erroneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have been contacted about a debt that was originally from XXXX. The original debt was from Capital one for {$1700.00}. The debt then was renewed for an additional 10 years on XXXX XXXX, XXXX by XXXX XXXX XXXX and now the debt is being represented by XXXX XXXX XXXX and they are trying to extend it another 10 years and has sent me a letter on XXXX XXXX, XXXX trying to collect it. I have already sent them a response that I do not recognize this debt. This is the second letter in the last 6 months and the first case they have gone ahead with proceedings to garnish my wages.