davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (MA)

I paid off my auto loan on XX/XX/28 an I have to receive a refund of {$710.00}. I have been following up with them since then and calling them every other week and they say we are processing your check, but I never really received my refund check yet as of today XXXX.
Consumer complaint received 2024-02-23
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. (GA)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Consumer complaint received 2023-01-13
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)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Apparently I owed Kohls {$3.00}. 
I had no idea I owed this money. I was never given anything that I knew of letting me know this {$3.00} debt was owed. This hit my credit report terribly and i wasn't even aware. 
I am trying to purchase a home and this {$3.00} late for all these 30, 60 and 90 day lates has ruined my credit ... over XXXX dollars. 
I can't believe I am finding this out this way. This is incredibly frustrating. 
The debt has since been paid ... all {$3.00} that was owed.
Consumer complaint received 2020-01-01
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. (OH)

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX  and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint I am not going keep having my FCRA RIGHTS violated. I have sent in documents and ftc report and other report these inquiries and account need deleted Now
Consumer complaint received 2023-01-13
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: Mortgage Research Center, LLC (MI)

I am a XXXX XXXX XXXXXXXX XXXX  was told by a real estate agent to go on line and get information from Veterans United Home Loans to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with Veterans United Home Loans in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 
When I call them to have them remove the inquiry they argued with me ( one supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX  and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting act 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 

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 2020-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-10-01
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. (NY)

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
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX ( health ) to department credit cards ; XXXX. XXXX which is a utility bill that i never had etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX.
Consumer complaint received 2018-03-03
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: EQUIFAX, INC. (CA)

child support showed up on my credit report. This was incorrect in the first place because I was on XXXX from XX/XX/XXXX-XX/XX/XXXX so they were not legally able to even go after me for child support at the time. 
Anyway. Eventually they closed the case as paid because they couldn't go after me in the first place, I was never subject to the debt. 
Not only should this not be on my report in the first place, but now it is really really old and still shows. 
it is on XXXX, Equifax  ( though Equifax says its from XX/XX/XXXX when I wasn't even born yet. ) and XXXX. 
It is just showing under " closed accounts '' but it reflects badly as it shows I wasn't paying and its very clear what it is for which reflects badly on me personally as well.
Consumer complaint received 2020-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2019 I opened a paypal account. Made the following transactions : XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Express Checkout Payment : XXXX XXXX XXXX New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 Mass Pay Payment : XXXX XXXX  XXXX  New Jersey ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX XX/XX/2019 General Payment : XXXX XXXX ID : XXXX Completed USD XXXX XXXX XXXX I had recieved a withdraw of XXXX on XX/XX/2019 From XXXX XXXX  XXXX. Of those winnings I sent payments of funds to 3 people who where part of winning funds. There is no issue and no outstanding compliant with XXXX XXXX XXXX with funds they sent to my account. After sending the funds to those accounts listed above i had a balance of {$350.00} within paypal. Paypal is refusing me access to those funds for 180 days. I've been given no reason for this placement on my account and with no options to reaceive there reasons why. I spent over 6 hours on the phone with various support departments only leading to no answers to any of my questions. When I opened my paypal account I followed the guidelines, and the account is fully confirmed with banking info attached as per paypal guidelines. Im hoping to receive help in receiving funds on hold within my account immediatley. I don't want my account reopened or be used again in anyway ever with paypal again. I'm just seeking help in receiving remaining balance within a timeframe that's reasonible unlike they're 6 month scope.
Consumer complaint received 2019-11-25
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. (NY)

I have been disputing an account with XXXX XXXX for over the past year. The account in question has inaccurate information that the credit bureau has been reporting during that time frame and possibly longer since i found it on my credit report. The account is reporting a charge off each month and a balance of {$800.00} being owed to XXXX when the account has been sold to 3 different collection agencies over the past year and there should be a {$0.00} balance showing. These collection agencies are XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-06-03
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. (LA)

wrong info please see fraud laws : FCRA violations 017 XXXX  XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MN)

In XXXX, my XXXX XXXX XXXX told me they provided a promotional interest-free discount with CareCredit for 6, 12, 18, or 24 months. I had previously only heard about the six-month promotion, which I was planning on, so I told them six months when I paid for the XXXX service costing roughly {$2700.00}. I wasnt thinking straight that day, so the next day I wondered why I wouldnt have chosen 24 months. 

Soon after, I called the XXXX XXXX, and they said they werent sure how to change it but that I should call CareCredit. I called CareCredit in late XXXX/XXXX XXXX and spoke with a supervisor there eventually who explained the process to me. He said the clinic can change the promotional period within 90 days of the original event. That was great -- I was only a few weeks after the original event, so I called the XXXX XXXX that day ; they instructed CareCredit that same day to change the promotional period to 24 months. I called back CareCredit, they said they had received the instructions from the XXXX XXXX and it would appear on my account within a few months. 

Fast forward to the XXXX statement, when it showed that my promotional period had expired and since I hadnt paid my balance in full, I was charged {$360.00} in deferred interest. I called CareCredit to dispute this, and they told me they werent sure why that had happened. The agent on the phone said they saw notes on my account from XXXX and XXXX that said I would get the 24-month promotional period. They said they would correct the error, remove all interest, and the corrections would appear on my account within a couple of billing cycles. 

Then, I recently received a letter from CareCredit notifying me that they would not be honoring the 24-month promotional period. 

I called CareCredit again today and asked why the 24-month promotional period wasnt being honored. Now, CareCredit claims they never received anything from the XXXX XXXX instructing them to change the promotional period. The supervisor today, however, did acknowledge at least that the XXXX XXXX notified CareCredit on XX/XX/2019, that they wanted to change the promotional date from six to 24 months. But CareCredit now claims the XXXX XXXX did not follow the proper process. 

CareCredit is the one who gave us instructions on how to change from six to 24 by  having the XXXX XXXX submit their intent. The XXXX XXXX did so, and CareCredit acknowledged receipt of those instructions on XX/XX/2019, and said they would honor the 24-month promotional period. Their position to not honor it at this point is without merit, and they are charging me for hundreds of dollars in interest expressly against the original agreement.
Consumer complaint received 2023-01-20
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: ALLIANT CREDIT UNION (MO)

Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - XXXX. XXXX XXXX XXXX XXXX. Alliant Credit Union XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was very disturbing as I am not aware of any of these enquiries.
Consumer complaint received 2020-01-01
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: BARCLAYS BANK DELAWARE (AL)

Barclays is reporting a credit card that I never applied for. It was opened XX/XX/2014 and has a balance of {$2500.00} with a credit limit of {$1700.00} The account is also registered to some address in XXXX XXXX XXXX XXXX in XXXX, Ok and I have never lived there. In fact, a quick search of the address shows that it is a commercial property anyway. So there is no way this could be my account.
Consumer complaint received 2020-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Care Credit ran a promotion this summer XXXX. Get a free XXXX fitness wristband. Between XX/XX/XXXX and XX/XX/XXXX, open a new CareCredit credit card, make a purchase of {$200.00} or more, and register with XXXX XXXX. However the promotion add doesnt state the value of the XXXX in its promotional advertisement. This promotion is misleading. After two statement cicles Care Credit will sent you a redemption code which they create in their system and do not send to their participants after many calls to customer service they tell Yes I see you applying however the promotions has expired and the value of the XXXX is {$40.00}. I follow up on every step and never received my redemption code until I called XX/XX/XXXX.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

Subject : Update of Personal Information - XXXX XXXX XXXX [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to inform you of a change in my personal information that needs to be updated in your records. My name is XXXX XXXX XXXX, and my only valid address is now : XXXX XXXX XXXX XXXX XXXX, IA XXXX Please make the necessary changes to ensure that my credit information reflects this updated address accurately. If you require any further information or documentation from me to process this change, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I used to be with XXXX and some how I was charged overdrafs but I had my account set up to if I didn't have the funds nothing would go through keeping me safe from being charged So i ended up getting charged for overdrafts regardless and went from XXXX {$300.00} to owing {$300.00} plus to the bank and what's crazy I have not gotten a letter of any kind or anything on my credit so when I changed my bank to XXXX I had a hard time getting a regular Visa card I need this to be looked at because around that time I was struggling to make ends.this was around a bit when wells Fargo was cheating people and was put on the news
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed my XXXX XXXX account XXXX XXXX was reporting inaccurately. I have a late payment for XX/XX/year> that was in fact paid on time. The consumer reporting agencies have a need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the furnisher, they should have consistent information. Im now requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.