davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

Theses are the unidentified inquires that where found on my account. 

XXXX XXXX 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 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Mailed all relevant info ( ID ) to Experian on Friday XX/XX/XXXX in order to temporarily unfreeze my credit. 
Additionally contacted Experian by phone today in order to expedite matters, giving my pin to unfreeze. Only informaton available was to the advice to do what I've already done. Apparently no unautomated agent was available. 
I believe that 3 days is the max allowed to accomplish this process.
Consumer complaint received 2021-10-07
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. (VA)

XXXX XXXX XXXX XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it
Consumer complaint received 2021-10-07
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. (AR)

XXXX XXXX is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX and equifax are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 I noticed a Transaction Rebill on my account in the amount of {$190.00} for a charge from XXXX, which I had previously disputed because the Merchant refused to address the issue of a return due to incorrect sizes. I had previously provided the emails between the merchant and myself regarding the returns, and an Itemized list detailing the original order to Capital One. 

Case Number XXXX A few weeks later I received a letter from Capital One asking for MORE documentation, of which none existed. I do not remember if I contacted them at that time. 

XX/XX/2021 When I called Capital One regarding the Rebill, they stated that the Rebill would not be removed because I failed to provide documents which did not exist. I became upset and told the representative to close the account. 

Upon looking for another charge unrelated to this matter, I saw that Capital One did NOT " Close '' the account, but " Restricted '' the account in order to continue charging me Late Fees and Interest until the Balance was paid in Full. I told them that I refuse to pay Late Fees and Interest on an account that I had asked to have closed. I have every intention of paying the Principal on the account, however, since Capital One policy intends to disregard my request to CLOSE the account and behave as if the account was Active and simply Restricted in order to collect more proceeds, I am writing this complaint to the CFPB.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

On Friday XX/XX/2021 I attempted to call JC Penney/Synchrony Bank about settling the amount on my account and closing it. It is recorded on my credit report. I was transferred to a different department which had a pre-recorded message stating it was outside of business hours but did not state what those business hours were. I called back the number I was given to directly reach this department and I still received an automated message on Saturday. On Saturday afternoon, I was LIED to that this Department was still accepting calls and was not told it had entered an upgrade status. They placed me on hold and disconnected my call. I attempted to call again on Sunday, with no success. On Monday XX/XX/XXXX, I spent hours trying to talk to someone about my account. They gave me the run around and I was able to reach someone after begging to speak to someone anyone about my account. The system is down for 3 more days until XX/XX/XXXX. As a financial institution, I am owed a fiduciary duty as a customer attempting to settle debt. I spoke to a manager who clearly stated that it was a tough decision to bring the server down and admitted the system had been down since over the weekend, which was not disclosed during the many calls during the weekend or on Friday. The manager first stated they were not open during the weekend, so I apparently have to make hour long calls during two days of which their system is fixed. This is unacceptable, especially as a financial institution, unable to manage accounts during regular business hours, intentionally deceived, and not one person able to speak with me about my account. A normal financial institution should post hours they are not in operation. This was not posted on any of the websites, let alone the representatives having no knowledge the system is down. Im sure they are collecting interest on amounts due even though they have no one to manage accounts or even talk to customers. 

When I called while the update was completed, they still indicated they can not access my account due to technical difficulties. They are still collecting interest on amounts due and are reporting these activities on my credit report.
Consumer complaint received 2021-10-07
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: National Credit Adjusters, LLC (CA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.
Consumer complaint received 2021-01-06
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. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2023-03-06
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. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : 1. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX Charge Off Account 3. XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account 4XXXX XXXX XXXX XXXX  NA XXXX Charge Off Account 5. XXXX XXXX XXXX Charge Off Account 6. XXXX XXXX XXXX XXXX Charge Off Account 7. XXXX BANK XXXX Collection Account 8. XXXX Bankruptcy XXXX XXXX 9. XXXX Bankruptcy XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. US DIST CT XXXX I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and your assurances, these fraudulent charges persist, causing me undue stress and financial concern. 

The prolonged existence of these fraudulent charges not only damages my financial credibility but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is unacceptable that despite my repeated efforts, these fraudulent charges remain unresolved. 

I demand immediate and effective action to remove these fraudulent items from my account permanently. Additionally, I expect a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I insist on being compensated for the inconvenience, stress, and potential financial harm caused by the persistent presence of these fraudulent charges on my account. 

I urge you to prioritize this matter and take all necessary steps to resolve it promptly. Failure to do so will leave me with no choice but to escalate this complaint to relevant regulatory authorities. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.
Consumer complaint received 2021-10-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc. (TN)

On XX/XX/XXXX I notice 2 charges of XXXX. I notice another change of XXXX on XX/XX/XXXX. A seperate account has been created in the money lion app. My dispute has not been handled and its been almost a month.
Consumer complaint received 2021-01-06
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. (FL)

I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.
Consumer complaint received 2024-02-27
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 a 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-07
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. (MA)

XXXX, TransUinon, XXXX continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. 

( 3 ) Inconsistent reporting by XXXX, TransUinon, XXXX.
Consumer complaint received 2021-10-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  XXXX Balance : {$2100.00}
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC. (NJ)

XXXX Received a letter from XXXX XXXX XXXX XXXX XXXX indicating that I had an unpaid balance of {$990.00}. On the same day I received a letter from Virtuoso Sourcing Group, apparently a debt collection agency stating that I owed {$990.00} To XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX I called the XXXX XXXX. I spoke to a representative and told them that the bill was not mine. The person I spoke to said that they couldnt give me any information about the bill unless I confirmed my address and last 4 of my social. I didnt feel comfortable giving either information out to the representative but I did give the last 4 of my social. All he could tell me was that work had been done at that address, XXXX, but would not disclose any other information. He gave me the address of the work. I asked if there was anyway to send a bill to that address and not to my address. The man said that I would need to contact the XXXX Police Dept to file a police report. 

Then I called Virtuoso sourcing group. The lady asked for me to confirm the address where the bill was sent. I explained that I never lived in XXXX or Indiana for that matter. She also said to file a police report with the XXXX police dept. She said they would start a file on their end, but I should still contact law enforcement. 

I Called XXXX Police Dept. They told me they couldnt do anything that I had to go through a local police agency.
Consumer complaint received 2024-02-27
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. (TN)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On Sunday, XX/XX/2021 I went to the ATM of the fifth third branch at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. The ATM kept my card and then displayed " This ATM is temporarily out of service ''. 
I went to branch XXXX minutes after it opened the next day to retrieve my card. I was he only person sitting in waiting area to be serviced and now came. I noticed a technician entered the building to repair the ATM ( He announced he was the technician based on the conversation with a teller ). At that point I stood in line, since no one assisted me for the past XXXX minutes while sitting down. Waited another XXXX minutes when there were XXXX tellers and XXXX customer. Finally a teller by the name of XXXX asked how she could help. I gave her my drivers license I.D . and informed her that their ATM kept my card yesterday and I was here to retrieve it. She asked " was it a fifth third card? ' I said " no but I've used this card at fifth third ATM 's for the past 8 years with no problem. '' She said " I cut it up. '' I responded " WHY DID YOU DO THAT? '' She said " if it's not a fifth third card, we cut them up because we have no way of identifying who's it is. '' That action reminded me why I closed all my accounts at that bank 20 years ago. On the surface they look good but they are still doing things the same way as years ago. They could have looked at my identification or even called the company to verify my identity. They did not want to. You don't destroy a card ( anything for that matter ) that does not belong to you. Then she had the nerve to suggest me to contact the card maker, as if I didn't have enough since to do that. 
If fifth third was the last bank on planet XXXX, I would not use their so called services. 
Whatever type of resolution or retribution is available ... ... .I want it!