davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I disputed a charge because the company never sent me the replacement bulbs as they indicated they would. Capital One credited my account while they investigated. Then, the company sent them falsified paperwork supposedly proving that I received the replacement bulbs and indicated in that paperwork that they called me to make sure I received the replacements in good working order and that I confirmed via telephone that the problem was resolved. This was simply not the case. I never received the replacements and I never received a call from the vendor ( see attachment ). In fact, the information that the company sent Capital One actually proves my case and not theirs ( see attachments ). Despite having pointed this out to Capital One, they put the charge back on my account claiming that I did not follow their procedures. 
The procedure they are referring to is that they asked me to seek a second opinion via letterhead from a similar company indicating what the original vendor did incorrectly. I refused to do this as this is a ridiculous request and I was not going to waste more of my time ( and someone else 's time whom I didn't do business with ) when it's obvious what the company did incorrectly. I told them if they wanted a second opinion, they could seek it out themselves - considering that ANY normal and reasonable company would indicate that to fix this, they would send the replacements - it's that simple. Capital One indicated via a followup phone call shortly thereafter that me not providing that second opinion was the reason why my dispute was being resolved in the company 's favor and that they were putting the charge back on my account due to " compelling evidence ''. 
This practice of making the consumer seek second opinions in order to resolve disputes seems like a ploy that credit card companies use to make it difficult for consumers to pursue disputes.
Consumer complaint received 2023-07-17
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: Kirschenbaum & Phillips P.C (NY)

Company had a random man hand out a fake summons to court. He rang my doorbell and handed my minor a paper. The document said it was received on XX/XX/2023 but today is XX/XX/2023.
Consumer complaint received 2023-07-17
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: Concord Servicing Corporation (TX)

A financing Agreement was signed and dated XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX which is named XXXX XXXX with XXXX XXXX ID XXXX with a corporate address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX, XXXX as financier. In Exhibit A under the Authorizations section of the Financing Agreement ; NO is checked stating that XXXX XXXX XXXX XXXX  XXXX XXXX is authorized to investigate the members credit history. We never provided them with a social security number either. 
We were contacted by Blackwell Recovery, located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, AZ XXXX communicating as a debt collector for XXXX BY XXXX XXXX XXXX They state in their letter that " your credit report will also be updated to reflect a paid account. '' I am at a loss as I was unaware that the US allowed foreign entities to report negative items on US based credit reporting agencies especially since my credit was never authorized to be investigated our social security number be utilized for this transaction on XXXX XXXX XXXX as per the agreement signed in XXXX with jurisdiction in that Country.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2019, settlement was reached with two of four accounts with XXXX XXXX. Submitted in late XXXX paperwork to Experian, a copy of the settlement agreement with my legal team and XXXX XXXX. Provided online checks to XXXX XXXX and with a copy of the settlement. Experian, adjusted the amount to show balance - paid amount, not the XXXX  balance agreement of the settlement. Please adjust the account to a XXXX  balance per the settlement Experian has a proven record of " delayed '' and " error reporting '' of consumers credit reports. Needs to stop!
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX. XXXX contacted Experian via certified mail on or around XX/XX/XXXX, and XX/XX/XXXX that there are inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a most recent dispute letter on XX/XX/XXXX to Experian as follows : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. NJ XXXX Date of birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian : Re : Report # XXXX & XXXX Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX Dear Experian : My name is XXXXXXXX XXXX XXXXXXXX. This is a letter to request the reinvestigation of the above Report numbers in reference to the Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record and according to the Experian credit Report dated XX/XX/XXXX, and XX/XX/XXXX and on the report it is stipulated that the XXXX XXXX information is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX. The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still in my credit file with Experian, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX. XXXX. Experian responded on XX/XX/XXXX that the company that reported the information to Experian is accurate. The item was not changed as a result of their processing of my dispute. As a result of their reinvestigation the dispute is not resolved. According to the updated Experian Consumer Report Public Records Information it is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. I verbally confirmed with XXXX that there is no bankruptcy on record with my consumer report. XXXX provided in writing that there is no bankruptcy reported in section XXXX of my consumer records. I contacted Experian to dispute this inaccuracy with verifiable proof and Experian verifies public records through XXXX yet they are violating my rights. This information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Experian refuses to correct this on my credit report.
Consumer complaint received 2023-02-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX XXXX XXXX says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent
Consumer complaint received 2023-02-04
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. (MD)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these items will be corrected. 

XXXX XXXX Balance : {$18000.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX
Consumer complaint received 2023-05-12
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} ; XX/XX/XXXXXXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX  XXXX XXXX XXXX {$310.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2022.
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (MO)

I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-02-04
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. (SC)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

I have noticed that XXXX XXXX  has been reporting inaccurate and incomplete information to my consumer reports. i have sent dispute letters to both the furnisher as well as to the reporting agencies notifying them of the inaccuracies. the accounts have been investigated and verified as accurate. however i have not been provided the investigation reports, the information is clearly reported inaccurate and incomplete but yet it remains on my consumer reports. The assumed responsibilities of the CRAs is to promote fairness, accurate and complete credit reports, and as data furnnishers it is their legal obligation to provide accurate and complete information. After multiple disputes and challenges, no changes or deletions have been made, negatively impacting my financial well being. the account needs to be removed and deleted from my consumer report. the wilful noncompliance by the CRAs and the furnisher of this data are in clear violation of my rights, criminally liable to charges for each violation. Correct my consumer reports and hold violators responsible for the damages done.
Consumer complaint received 2023-02-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2023-02-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2019-12-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OR)

I recently filed a dispute against PayPal due to one of the unauthorized charges to my XXXX XXXX   checking account for the total amount of {$1600.00}. Fortunately, my bank reversed this unauthorized charge. 
What happened was PayPal changed their policy and started to charge certain percentage of fees for all CANCELLED XXXX transactions as what happened to me. 
I sold a merchandise on XXXX on XX/XX/XXXX and received a payment of {$1600.00} including {$50.00} shipping charges. This money went into my PayPal account directly as it has been linked to my XXXX account for years. Next day before I ship out the item, buyer contacted me, requested me to cancel this transaction and issue a full refund, which I did with no other choice. 
I thought this transaction/fund/fees shouldve been reversed through my PayPal account as I did not withdraw any fund from it. 

Few days later, I was shocked to find out my XXXX XXXX checking account had been withdrew for the entire amount of {$1600.00} by PayPal due to their nonrefundable fees. I was glad my account had enough balance at the time ; otherwise, I would be paying overdraft fees as this is totally unexpected. I personally believe this is not a legalized practiced for any online business because they did not inform me when they changed their policy nor deducted money directly from my bank account without my authorization. I believe any % online transaction fees should've been fully reversed when it is CANCELLED within reasonable time. 
Im not sure when Paypal changed their policy because it was not how they used to practice. 

Now, they claimed my Paypal account has a negative {$48.00} ( incurred solely by the cancelled transaction fees ). They also limited all my online activities ; I can not even close this account without make the payment. Frankly, I do not believe I owe Paypal any money. 

Paypal is NOT operating fairly with their consumers.
Consumer complaint received 2022-09-15
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)

Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.
Consumer complaint received 2019-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THOSE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY REPORT. PLEASE HAVE THEM REMOVE OFF MY FILES.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I called in XXXX this year and found out a checking account that was open in XXXX was still open. I reported fraud got letters a small check for any inconvience, but never received any info about the account within ten days like I was told I would. When I went into Wells Fargo, XXXX XXXX, CA. XXXX they told me the account was closed in XXXX. I called head quarters right there and they told me the had info on the account. The manager got on the phone and lied Infront of me when she returned the phone the lady switched her storey and told me the account was closed in XXXX. I left and called the same number and was told that the account was still open. I requested my consumer report which showed four opened IRA accounts. But the bank tells me I have no accounts, when I call they tell me something about my uncle getting XXXX my brother XXXX and myself XXXX. I never elected that option. And so once I called with the four account numbers, I also gave a lot of info about my grandmother and within a week I got a letter saying I was dead. I took the letter, consumer report and a witness into the bank, the lady barely looked and told me it was a mistake. I know that they a IRA accounts that I was suppose to inherited and was told about them. I believe my money has been and continues to be stolen from me and I do not know what to do about it. Also when I requested my consumer report the following month the information like my address or my date of birth on every account was different.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court