davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/19 my credit monitoring company notified me that Capital One had made an inquiry on my XXXX credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with XXXX  because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

XXXX  informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact Capital One. They searched my SSN in their system and assured me there was no record of any such inquiry. Capital One told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to Capital One 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.
Consumer complaint received 2023-02-25
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. (MD)

I applied for a home loan and the lender ( XXXXXXXX XXXX ) received my credit report from XXXX. All 3 credit bureaus are still reporting activity as of this month on a closed account with the Police and XXXX XXXX XXXX XXXX. The account number ending in XXXX. This was a charged off account that was settled in XX/XX/2022 ; although the creditor did not report receipt of funds until XX/XX/2022. There has been no activity on this account since XX/XX/2022.
Consumer complaint received 2019-12-10
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: CREDIT ACCEPTANCE CORPORATION (MS)

On XX/XX/2019 I sent a letter to credit acceptance via certified mail to verify that what they were reporting on my credit report was accurate. Credit acceptance had supposedly already verified to the credit reporting agencies that it was was reporting accurate information despite me showing them several inaccuracies. The letter was delivered to credit acceptance and they ignored it. I doubt they investigated anything. According to the FCRA section 623 they only have 30 days to get the results back to the consumer. It's been closer to 45 days with no contact from credit acceptance.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-25
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. (NY)

Each report on each credit report has been giving different information. Which is all inaccurate. And can not be verified but your company keep reporting that it is verified with wrong information. You Violated the United States Code Law ( FCRA 15 U.S Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FCDCPA 15 U.S Code 1692e. False or misleading representations ) FCRA 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to any consumer reporting agency I disputed to such person by a consumer, the person may not furnish the information to nay consumer reporting agency without notice that such information is disputed by consumer.

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed 15 U.U Code 1692e. False or misleading representation- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2019-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Am receiving approx 4 phone calls a day. This company has also called family members with the threat of legal action. Today I received a pre legal notification from this collection company. I have not received credit from them, nor have I requested this service.
Consumer complaint received 2023-02-22
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

To Whom it May Concern, I have repeatedly and fraudulently been charged on a Chase Bank Amazon.com card for a Amazon.com services I do not want and have tried to cancel. 

The problem began in mid-2019, when I learned that I was being charged monthly by Amazon Web Services. The charges were small -- {$1.00} per month -- but because I do not use this credit card for anything, I had no reason to suspect these charges were accruing. When I learned that they were, I filed a formal complaint with a credit reporting bureau. This happened in XXXX 2019, which was also the time when I requested that the service be cancelled. My complaint was rejected with no explanation. Despite my request to close the AWS account and thereby stop the charges, the charges continued without my knowledge or consent through the summer and into the winter of 2019. 

Moreover, in XXXX 2019, Amazon.com changed the way I was billed for a different service ( an XXXX  subscription with XXXX ), moving the automatically-recurring billing from my default credit card ( whose balance is automatically paid ) to my Chase Bank Amazon.com credit card. I did not consent to this billing change and would never have done so. It happened without my knowledge or consent. 

As a result, I ended up with a delinquent account that has severely damaged my credit. 

Finally, I feared something like this might happen. In XXXX 2019 I made an extra payment to Chase Bank ( I owed something like XXXX dollars and paid XXXX ) just so that I might have a credit cushion in case of further unauthorized charges. Chase Bank then refunded this credit, only to days later charge me for being past due and late in my payments. This is outrageous and unfair. I believe that Amazon.com and Chase Bank are engaged in highly deceptive practices. 

My hours on the phone with Chase and the credit reporting bureaus have been wasted, as I am simply transferred from Customer Service to Disputes over and over, back and forth, with nobody able to explain why any of this happened or provide me with any form or redress. 

I fear I may lose my house over this -- over a {$1.00} charge that I cancelled, but which was repeatedly billed without any explanation. And I have a fifteen-month old! The experience has been distressing, and the results could be catastrophic for me and my family,
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
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. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2019-12-10
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. (FL)

I am the co-signer for 3 commercial vehicles through XXXX. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and XXXX closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called XXXX and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. XXXX claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from XXXX that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. XXXX reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.
Consumer complaint received 2023-02-21
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. (CA)

The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.
Consumer complaint received 2023-02-21
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. (FL)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: International Financial Management (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Credit Express, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Consumer complaint received 2022-10-03
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXy : XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) 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 2019-07-13
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. (DE)

I understand that you are required to ensure the accuracy of my credit report. The problem that I'm facing is that I've found quite a few inaccuracies on my it and have pointed them out to no avail. On top of this, you've now responded with some sort of refusal to re-investigate my accounts! I can't figure out how this can possibly be legal. I may not be an attorney and I may not know the FCRA from top to bottom, but what I do know is that you are responsible for maintaining my information in your database. Part of this job is to ensure the accuracy of my data, because it impacts my ability to obtain and maintain credit with my current and future creditors! I know that you can't just tell me that you won't re-investigate when I tell you that these accounts are not reported accurately. The accounts listed below need to be re-investigated, as is my right under the FCRA : XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 you did not legally verify this payment history - I need to see the proof or you need to update to paid as agreed Also please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete On report shows XXXX  on XX/XX/2013 Also please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete This account is older than 3 years from first date of alleged debt Also please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 This account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 This account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete The account was sold or transferred to XXXX XXXX XXXX Acc # XXXX and is Double reporting negative information which is a violation. 



XXXX XXXX XXXX Acc # XXXX re-age of account collection attempt its a violation and you must delete This account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete XXXX XXXX XXXX XXXX Acct # XXXX The date of this alleged late payment is XX/XX/2013 his account is older than 3 years from first date of alleged debt please be aware that this exceeds the statue limitations for the state of Delaware to having this listed its a violation and you must delete
Consumer complaint received 2022-10-03
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)

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 2019-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Heartland ECSI is unlike other loan servicers when handling automatic payments. Each loan being serviced requires its own automatic payment. Here is the issue : I have a two loans with quarterly payments ( {$90.00} each ) .that did not enter repayment on the same month that I setup automatic payments. My automatic payment of {$90.00} is consistently {$90.00} short because the balance on the accounts are not met by the single payment.

ECSI did not make a reasonable attempt to clarify this nuance in their automatic payment policy and I have accrued many months  of missed payment fees as a result.