davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX has reported wrong to the credit bureau regarding payments on XXXX of 2013. The XXXX XXXX as well as all the credit bureaus have inaccurately messed up my credit record. This is more than the XXXX time of having them correct this. Statements attached will show that the payments were made on time
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I opened a new account XX/XX/XXXX. I opened it online. I did XXXXwo mobile check  deposits, totaling just over {$3100.00}. A few days later, i was emailed a security notice saying there was unusual activity on my account. I called Capitol One and was told the checks were made out incorrectly and that I had to have them cancelled and reissued. I thought this was a hassle, so I asked what else I could do. They said I could end the banking relationship and deposit the checks at another institution, as Capitol One had not submitted them for deposit. I said yes, I will do that. So, the account was closed. I asked my aunt, who issued the checks to me, to check to see if they had in fact, not been cashed. She called her bank and low and behold, Capitol One cashed the checks! In fact, the funds cleared prior to my call to Capital One. Its now nearly a month later and Capitol One will not return my calls, will not talk to me when I call them, and will only tell me that this account is under investigation and they have no idea IF or WHEN they will give me my money. I also know that Capitol One called my aunts  bank on XX/XX/XXXX and that the branch did verify the validity of the checks. I have called them many times. They will not return my call, and they have hung up on me when I have called. I feel robbed. I have worked in Finance for 28 years. I have never heard of something like this happening. Its shocking and deplorable.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX 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 2024-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc. (UT)

The document of " MyCase '' shows the original complaint and " summons '' sent to an address that I never lived at, and shows that the person at the delivery address stated that I no longer lived there, and then proceeded to give the summoner my correct new address, but summons still stated that I had received the summons. The summons was delivered to an elderly incapable adult. 

I went to court to present the information, at which time, I presented that the debt was already paid, and was able to show that the summons was delivered to the wrong address. 

I was also able to show that I had no idea about the debt, and that I never received any word of the summons, that I lived at another address. 

The debt collect ALSO SEIZED THE MONEY FROM A BODILY INJURY SETTLEMENT that I received from an accident winnings that included wages lost, lost car, and bodily injuries winnings. No other money was in the account. 

As I presented these objections to the judge, I was denied the judgement, and the judgement was renewed. 

A renewal of judgement was mailed to me on XX/XX/2024, stating that I had " 14 days to object, '' however, the date of the actual court/mailing date showed XX/XX/XXXX, meaning that I only had 1 day to mail out my objection, which, in conlusion, means the attorney waiting a very long time to mail this letter out to me, and so did the court. 

Watching the attorney and judge interact during court, showed to me their friendliness, as they spoke of personal subjects like family items and other subjects during court, leading me to believe that I had a very limited chance to fight this judgement. 

This last paragraph may be circumstantial, but the paragraphs above it are not. 

This debt collector used dibilating means to collect a debt that I WAS NEVER NOTIFIED OF, and then lied in court about serving me the summons properly. 

They also seized money that is a prohibited practice, being from a bodily injury case. 

Furthermore, as I called to make some arrangement with the debt collector, they asked how I would be able to pay, which I responded with, " none of your business, '' and they said, " well then I won't make any arrangements, then, '' which I stated in return, " maybe savings I guess, '' They immediately tried to seize the same bank accountXXXX XXXX XXXX XXXX XXXX that had money from the bodily injury case! Simply because I tried to arrange something with them. 

I know now that I'll never get my bodily injury money back, since they won't work with me, and no chance of having a judge rule in my favor. 

So I'm left with paying a debt I never knew about, nor do I owe the debt, and am left with only bankruptcy as the only other option. 

This is unfair, and incapacitating. No consumer should owe a debt they never were informed of, and have already paid off! Nor should they have something seized that is strictly for their health settlements. 

These guys need to be stopped!!!
Consumer complaint received 2023-02-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX XXXX BalanceOwed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX BalanceOwed : {$14000.00}.
Consumer complaint received 2020-08-13
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. (MI)

Inquiry from XXXX XXXX on XX/XX/2018. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Consumer complaint received 2020-09-30
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-09-30
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. (NV)

I scheduled direct mortgage payments from my checking account to XXXX XXXX XXXX. They have all of my checking account information, and can access funds directly. XXXX XXXX XXXX neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with XXXX XXXX XXXX. Again, XXXX XXXX NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called XXXX and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want XXXX XXXX to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
XXXX XXXX justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.
Consumer complaint received 2020-04-14
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. (FL)

XXXX, XXXX  and Transunion do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XXXX XXXX mortgage account information.
Consumer complaint received 2023-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right 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 Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tracking # XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

Hi.

Thanks.

Having issues with Amazon Store Card issued by Synchrony Bank. 

Making payments and one {$170.00} that went okay but the other {$85.00} was rejected and instead of notified that it happened and me making other arrangement and they decided to credit it and then take it away like I made a purchase of {$85.00}. 

And not only that but they said that I made a {$87.00} payment which I did not made. And did the same as the {$85.00}. Told them i only made two payments in the app. {$170.00} and {$85.00}. 

Not {$87.00} in the website where they said that I did. 

So credit again like a purchase and then take it Back. 

Made no sense but ripping me off. By {$170.00} plus interests charges of $ XXXX {$18.00} on that purchase. 

Errors and mistakes with them since XXXX until now so need my 3 months of my time dealing with this which comes up to {$45.00}.

Photos do not lie.

The photos show that error clearly.

XXXX XXXX XXXX  to XXXX XXXX two payments not three.

They added a payment of {$87.00} in between.

What more worst they have it like a purchase.

Also had recording of calls made to them not only photos.

Appreciate all the help you can give me.

Thanks. 

XXXX XXXX. 

Card ending in XXXX.

Supposed to transfer to a new card as promised when started the fraud investigation but new card they send is not good.

They keep the XXXX and continue denying my claim.

They keep playing around with me.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, 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. (FL)

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

I saw the debt on my credit and it was Linked to an address I never had. I tried to delete the address off and it stated That I had to call a company. I sent the proof where I lived at the time and the company still wont take this off my report.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I started receiving XXXX cents deposits to my Paypal account on XX/XX/XXXX. In total since then I have received XXXX, which is most likely due to some scam. I contacted Paypal about it and their customer service told me to just refund these, which I did. Fast forward to now, where they have permanently limited my account, I can't transfer my current balance to my bank, can not make payments, and can not receive refunds of some orders I recently returned. How disappointing, I've been a customer for XXXX years, and this is very unfair.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Chime bank closed my account for no reason. they said they determined that account activity was not in compliance anymore and they have decided to end the relationship. 
closed my account and locked me out of everything. 
this was the only access too any money I had, I am currently unemployed and with them closing my account leaves me with 0 access to any money I cant even buy food for me or my animals now. 
I did nothing wrong. I do not have any other accounts with any other financial institutions they have drastically impacted this situation, I can't pay any bills and they said if anything i may be able to get my funds from the closed account in approx 6 to 8 weeks. 
which I am not able to be without any money for over 2 months. 

Every time i reach out they say i have to email their support team which i do and they refuse to give me the exact reason why they closed my account and when i ask for my closure check to be expedited due to my situation they have put me in they stop responding and ignore me every time I send an email.
Consumer complaint received 2020-08-04
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. (GA)

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.
Consumer complaint received 2022-11-08
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. (GA)

I XXXX XXXX recently checked my consumer report and noticed there are fraudulent accounts reporting to my credit profile. I reached out to EQUIFAX and to no avail I did not receive a solution. I filed an Identity Theft report, please see uploaded document. I am aware pursuant to 15 USC 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency such as EQUIFAX with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with account XXXX XXXX XXXX XXXX XXXX, AND XXXX is not relating to any transaction by myself, EQUIFAX IS REQUIRED TO PLACE A BLOCK ON MY CONSUMER REPORT ON THE INFORMATION ASSOCIATED WITH XXXX XXXX, XXXX XXXX, AND XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained PLEASE SEND ME A STATEMENT SIGNED UNDER THE PENALTY OF PERJURY WITH EVIDENCE OF THIS COUNTERCLAIM. A person shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate. I, the consumer have put in a dispute with EQUIFAX and I have made it clear this information has not been verified and can not be accurate. EQUIFAX has violated 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and proceeded to furnish my information without any verification or lawful authority. These accounts must be removed. Upon removing these accounts from my consumer report DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE.
Consumer complaint received 2020-09-30
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: Westlake Services, LLC (RI)

I'm filing a complaint with a auto loan lender named Westlake Financial services, XXXX, and XXXX. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and XXXX I've called Westlake which is which I owe the debt on and they said they have nothing to do with my fico score being reported to XXXX and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely discharged.
Consumer complaint received 2020-09-30
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.