davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (FL)

My credit report includes the following erroneous information that needs to be investigated and corrected. I want you to removed these inquiries on my report. This was already included in my prior COMPLAINT, and I'm including it again 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 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 2023-03-08
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I was approved by XXXX for a PPP loan in the amount of {$20000.00} on XX/XX/2021. I opened an account with Capital One Bank to have funds deposited into because my primary bank did not accept deposits of more than {$15000.00}. On XX/XX/2021 the money from the lender was deposited into my account and was fully available. I began making transactions and went to go withdraw some money from my account through Capital One Bank drive through at the XXXX XXXX. branch in XXXX, Louisiana. The employee told me to hold on and when she returned she began asking personal questions about my business because she saw that I had got a PPP deposit into my personal checking account. I told her that the documentation that she was requesting I would have to come inside and give to her I didn't have it right on the spot. I also felt that the personal information that she was asking me was none of the banks business because It was my money that the SBA already approved. The bank immediately froze my account and didn't tell me why. I had to call the Personal Protection line at Capital one to find out they started a fraudulent case against me. I am a sole-proprietor and everything was legit on my end. I submitted Schedule-C and promissory note from documentation to Capital one that my lender has and they keep requesting more documents. I told them that I will not be sending more documentation to them because I got the loan through my lender and not Capital one. Also the PPP loan is in my name and I am obligated to pay the money back and right now I don't even have access to the money. Almost 2 months have gone buy and no resolution has came from the bank. I call in every day to get and update and also have went to branches to have them call in to get a status update on my case and they keep telling me there is no time frame on this. I really need my money to function and at this point it is ridiculous.
Consumer complaint received 2022-11-12
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. (SC)

On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Experian for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and Experian has my payment history starting XX/XX/XXXX. I have received no response from Experian regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.
Consumer complaint received 2021-12-31
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: CITIBANK, N.A. (OR)

I was the victim of fraud by a company named XXXX XXXX who misrepresented their products and failed to provide me with a receipt. XXXX refused to let me not accept shipment of their products and charged me {$4900.00} on XX/XX/21. I had contacted XXXX XXXXXXXX on XX/XX/21 and they returned the box to XXXX that had been dropped off for shipping. XXXX then proceeded to send another box for shipment. This purchase occurred at a Trade show in XXXX XXXX. In talking with the Trade Show Sponsor, XXXX, I also learned that this company had misrepresented themselves as to the products they were representing at the show. They had tole the show sponsor that they would be displaying outdoor products at their booth, not cosmetics. I contacted Citibank Creditcards and filed a dispute. Initially, Citibank reversed the charge. I also contacted my attorney about the transaction and he explained that this is a common scam and it is fraud. I wrote Citi to provide them additional information regarding the transaction. The bank decided to side with the merchant saying that the merchant would not cooperate and the charge was returned to my account in XXXX. 
I have, subsequently, had my care re-issued in order to avoid and future potential charges by this company.
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc. (KS)

I filed XXXX XXXX bankruptcy XX/XX/XXXX which included Avant as an unsecured creditor. The bankruptcy was discharged in XXXX of XXXX. Avant continues toncintact me by phone and email demanding payment of {$310.00} in violation of my rights under bankruptcy law.
Consumer complaint received 2021-12-31
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquires
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2021-07-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020 I sent XXXX XXXXXXXX an Accord & Satisfaction offer for the FULL amount of the account listed. The 15 days expired for the deadline for the objection to my offer for the settlement. Based on XXXX XXXX non-objection to a 15-day restrictive endorsement notice, on XX/XX/2020 I included the settlement payment of {$1000.00} for account ending XXXX, and {$450.00} for account ending XXXX. XXXX XXXX agreed to the following : Once XXXX XXXX receives the payments of {$1000.00} and {$450.00} and upon endorsement of the checks in the amounts for {$1000.00} and {$450.00}, XXXX XXXX agrees to satisfy the debt on the above account. 
Upon payment XXXX XXXXXXXX, agrees to delete any negative items being reported to all Credit Reporting Agencies within 30 days and send me written notice of such deletion : and XXXX XXXX, will update the reporting on the account as PAID AS AGREED, with no late- payments or derogatory comments whatsoever, within 30 days to all Credit Reporting Agencies. 
In addition to the above terms, XXXX XXXX, must cease all collection or legal activity on the extinguished account noted above, unless debtor goes over 90 days into default on this Accord, which would render it null and void. 
XXXX XXXX endorsed, cashed/deposited both checks in the amounts listed above, but has not held their end of the Accord. They are still reporting negatively to the credit bureaus as well passed the accounts over to collections. All of which are in breech of the legal binding agreement we have in place. I have reached out to the company every month since XX/XX/2020 but to no avail. I have also disputed with the credit bureaus, submitted all documents to support case, but they have done nothing.
Consumer complaint received 2021-07-01
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. (NY)

XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (GA)

I used my HomeDepot Credit Card and then returned the product. The return was processed late on the credit card for some reason and I got to have a balance due to a late fee. The card is charging me a late fee OVER a late fee for a product that I returned. 
It is a very bad integration between THE HOME DEPOT and CITI CARD. 
I am extremely disappointed as I had a good perception of the HOME DEPOT. 
Now, not related to the problem here, THE HOME DEPOT does not accept returns without receipts or if you get the same card. I am an Atlanta-based consumer I am thinking about only buying at XXXXXXXX XXXX
Consumer complaint received 2020-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rhodes, Kelly Assoc Inc (NC)

Rhodes Kelly is reporting a collection account in the amount of {$98.00} that should have been turned into XXXX XXXX and XXXX.XXXX  XXXX XXXX XXXX XXXX should have turned in to BOTH for payment and failed to do so.i have had XXXX sinceXX/XX/XXXX.i am sending copies of my insurance cards
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-07-01
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. (LA)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HARRIS, KLEIN ASSOCIATIES, INC. (SC)

This is a alleged debt regarding a prescription medication that insurance company XXXX XXXX XXXX XXXX XXXX allegedly paid for when my membership with them was no longer active. I asked this debt collector if they could inform me of the RX information that XXXX allegedly filled ; and they could not provide such information. Therefore, the debt is invalid, and debt claim is invalid. 

The name of the debt collector is Harris, Klein Associates, INC. 


Thank you.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I received a fraud alert via text from Chase Bank asking to verify if I was attempting to make a large ATM withdrawal. I immediately responded NO. They in turn immediately replied that my card was being cancelled and a new one would be sent. 

Over the next hour I saw {$5900.00} worth of charges appear on my mobile app. The charges were for cash from 2 seperate Chase banks and 2 separate XXXX, plus gas at a XXXX. I immediately went to the nearest Chase Bank and had a manager call the bank 's security office. I was informed the card in question was not cancelled, but in fact they inadvertently cancelled the new replacement card in error. It was only then that my card was actually cancelled. 

I filed a police report with the XXXX XXXX, Florida XXXX and submitted a claim. Chase refunded the {$30.00} gas purchase but denied one claim ( XXXX ) and are still looking into the other ( Chase ATMs ). 

I learned from the Chase ID Theft Department on XX/XX/2021 that someone pretending to be me called the bank on the phone on XX/XX/2021 and requested and was issued a replacement card with the same card number as mine. They did little to verify the authenticity of the caller. They did not send a security code to my cell for verification which is the normal practice for verifying a request such as this. Furthermore, when they mailed the card out I wasn't notified via email or text that a new card was requested and sent out which again is a standard security practice. 

The amount of cash withdrawn exceeded the cards daily threshold which the bank can not explain. There were three separate claims submitted, one for the 2 Chase ATMs, one for the 2 XXXX Stores, and one for XXXX. Chase reversed the charges on XXXX and refunded me the {$30.00}. That basically indicated that they are admitting fraud on the small purchase but are refusing to acknowledge fraud on the larger transactions which occurred at the same time with the same card, basically cherry picking what to approve based on dollar amount. 

This entire event would have been prevented if the bank would have cancelled the card when they said they did and if they would have followed standard security procedures before replacing my debit card without my knowledge or permission to a person unknown to me. The fraud and loss is the direct result of the bank 's negligence and lack of proper security procedures.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-02-05
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. (MD)

This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

i am a victim of identity theft due to the XXXX data breach and all items shall be removed/blocked until this investigation is over.
Consumer complaint received 2021-07-01
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. (MS)

XXXX XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.
Consumer complaint received 2021-07-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.
Consumer complaint received 2020-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I previously submitted a complaint twice through this website and Transunion does what they always say. Theyre working on it. Thats not good enough. My credit report states that the information meets the FRCA requirements. I was not in attendance at that school when this account was opened. I will contact an ombudsman if this is not resolved. I have 100 % payment history with every other credit reporting agency.