davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (IN)

remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Resident type Apartment complex
Consumer complaint received 2022-05-20
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-20
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: Consolidated Information Services Solutions, LLC (GA)

There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (DE)

I was paid my work check from XXXX XXXX XXXX XXXX through XXXX and my account was flagged a money was so called returned. My boss never received any money back to his account where the money was took from. Now I am out of a work check due to Chase Bank And I am having too much of an issue receiving my payment.
Consumer complaint received 2024-02-16
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently disputed this account with Experian and was provided with a letter with a quick turn around that this account was in fact accurate. I was not provided with whom they spoke to verify this account or anything. XXXX XXXXXXXX XXXX XXXX, Account Number XXXX has disputed previously years ago. It was proven to not be my account. This account is reporting negative information about me monthly through Experian. Which is inaccurate, unverifiable, invalid. It was last reported on XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. This violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. The other credit bureaus have no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. I would like Experian to remove this account from my report. Thanks for your help with this matter.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I need your help between XX/XX/2021 and XX/XX/2021 I had ten large deposits into my Capital One checking and savings accounts from my XXXX XXXX XXXX  cash account ending in XXXX totalling over {$530000.00}. After a few days the deposits were initiated back to XXXXXXXX XXXX XXXX XXXX during this process the banks had and error causing my money to get misplaced caught in limbo. Capital One and XXXX XXXX  banks both tell me they dont have my money and each bank claims the opposite bank has my money. Its been three months and i havent seen a penny yet of my deposits. XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (TX)

XXXX XXXX XXXX, Mortgage Loan Officer from Fairway Independent Mortgage Corporation, demanded we pay Loan Origination fees citing the Intent to Proceed ( initial document ) for terminating loan proceedings due to his own refusal to work towards agreeable closing terms, which included access to information that was not ours ( third party financial disclosures ). 

His tactics we're coercive and, at some points, bullying, to demand payment for services not rendered. 

Our decision to not use him was the way he spoke to us personally and his upright refusal to accommodate our reasonable and lawful requests as consumers. He even refused to lock our rate early on fully knowing that interest rates were on the rise ( beginning with a low 3 % and resulting over 5 % ). 

In the end, XXXX XXXX XXXX pushed us into an situation where opportunity costs to pursue better rates with a cooperative officer early on directly effected how much we will now pay per month for our mortgage by several hundreds of dollars. 

We feel that the fees he invented out of thin air when we requested to terminate is an unethical tactic that might be more common at this office or even Fairway Independent Mortgage Corporation altogether. 

This is just the story of what we terminated with, the long email chains and verbal confrontations prior to were also extremely concerning
Consumer complaint received 2015-09-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Elite Financial Services, Inc. (MO)

Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call
Consumer complaint received 2022-05-20
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. (NV)

TransUnion states according to my file numbers that they have investigated and reinvestigated the XXXX XXXX account they are reporting. I have submitted disputes outlining factually incorrect data that I dispute and it is returned " Verified '' and " Updated '' and it has not been updated. Results sent to me are dated more recent than the " Date Updated '' field, and other incorrect and inaccurate data. They have stated to me that there are not " any open disputes '' for this, although I sent it to them on XX/XX/2022. TransUnion has not performed a proper investigation ; and it has not removed/deleted the account according to my rights under the FCRA, the reporting of inaccurate, unverified information.
Consumer complaint received 2022-05-20
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. (OH)

i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (MD)

Good day Sir/Madam, I am writing to make a complaint about a failed wire transaction that has been on going since XXXX 
This transaction was done in person at TD bank branch num XXXX. The sum of {$65000.00} was transferred from my business account ( XXXX XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ). The beneficiary did not receive the funds at the stipulated time which was suppose to be within 7 working days. 


On XXXX I went to inquire at Td bank branch about the delay. A bank representative A confirmed to me that the funds had been reversed and that I will get the value back into my business account within 3-5 business days. 


Today XXXX I spoke with customer service XXXX that refund time as elapsed. I was told again to wait till XXXX  before the reverser is completed. 

Am requesting for your intervention in this matter as my business is in distress because of this delays. I look forward to your kind response. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX has been paid as of XX/XX/2024 and I would like it removed from all credit bureaus its currently showing as a closed account. Confirmation code is included in document.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (AZ)

I have reached out to XXXX via mail dispute in XXXXXXXX XXXX XXXXXXXX  in regards to an account that was incorrectly reporting on my credit report. On XX/XX/2021 XXXX Sent me a letter in regards to the dispute and gave me false information that the account in question was not reporting on my credit, but in fact is reporting on my credit, and is not allowing me to get an apartment because of this. The company IQ Data International. This debt has gotten removed from XXXX and XXXX but XXXX have been giving issues with this for the last year. 

This company has reached out to me multiple times via mail and phone after I asked for a proof of debt, and every time the company would say I simply owe the debt with no proof. I kept trying to tell the company that this debt was paid when I moved out of this apartment over 5 years ago. 
Also the company has been adding on interest to the debt that I never agreed to in the original contract. This debt is not a credit card, this company has no right to claim interest on a debt involving tenant bonds. Every-time I ask for a print out of the interest the company states its apart of the policy. They are misrepresented the debt on my credit report which is direct violation of the FDCPA.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was sent a bill from Capital One Quick Silver a few months back. I was told they would do an investigation. The amount back then was over XXXX XXXX dollars. I never ordered a card in my name. 

I believe I am the victim of identity theft due to certain information about my college, date of birth, and work activity and my face was on XXXX.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (LA)

According to Acima Credit in my last complaint I submitted the cfpb Acima Credit stated that laws under 15 USC 1692 does not apply to them but according to federal regulations the only sellers exempt are Contracts before XX/XX/1977 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

and they are indeed in violation of the laws I stated in previous complaint in my affidavit also they are still reporting after I sent in a cease and desist through all mediums including consumer reports
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Good day, I sent the payment of {$700.00} through online bill pay from XXXX XXXX and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to citi in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call Citi, and citi said call XXXX XXXX. Citi said since XXXX  years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the XXXX XXXX, i spoke with many different representatives from both XXXX XXXX and XXXX Citi Cards including supervisors, and opened disputes. All disputes were closed without any resolution. Both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX XXXX but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and XXXX representative was very impatient with me stating i have to have my financial institution ( XXXX XXXX ) send in writing to return the payment. Another representative said i have to contact Citi bank. I am being circled around and meawhile {$700.00} is lost and XXXX XXXX can not retract it, can not recall payment, XXXX XXXX can not and stating call Citi and Citi said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Consumer complaint received 2019-09-27
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: EQUIFAX, INC. (CA)

The listed accounts do not belong to me. I have filed an FTC complaint and I Have also written the companies. Someone is using my credit. I hired a private investigator and found out who and submitted that info to the authorities. 

XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$170.00} XXXX XXXX   {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX The following inquiries are also the result of fraud. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, 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 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-06
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX