davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-26
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. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (GA)

I closed this card in XX/XX/2021 because the fees were too high. Due to XXXX I lost 75 % of my income and this company didn't want to adjust the annual fee so I closed the card. When I closed the card my balance was around {$220.00} which I have paid about {$170.00}. I am a veteran who is on unemployment so I haven't had the income to pay off the {$50.00} remaining balance. I received a bill showing over {$500.00}. How can they charge me fees on a closed account? These fees need to be removed.
Consumer complaint received 2023-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I've disputed 4 erroneous items from the consumer report that are falsely reporting by Equifax. It has been over 30 days since the dispute cases opened. Some odd reason the confirmation for those disputes is not available online in an " Under Review '' status. I've called numerous times with no answers as to why it is not showing the confirmation number. I know I submitted this dispute late XXXX or early XXXX. Guessing between XXXX XXXX to probably XXXX XXXX. It is XX/XX/XXXX usually a respond is made before 30days. 

It currently says no disputes are opened online. When I call in there are open but, I'm also unable to open a dispute on the items as they are already under dispute but, the portal claim otherwise.
Consumer complaint received 2021-12-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The information that your company, Bank of America is still reporting to my XXXX Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. Bank of America, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : Bank of America XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}
Consumer complaint received 2023-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

I recently went to check my credit report and noticed I have a collection of {$770.00} from an company called ( FINANCIAL CREDIT NETWO ) Date opened : XX/XX/2022 Account Number : XXXX I proceeded to contact the company ( XXXX ) XXXX I spoke to one of there representatives told them I didnt recognize who they are or the debt they were asking me to pay & i ask them could they remove the Collections they told me not without paying they and they denied my request They state that my current status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-12-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch (CA)

We have received a letter from American Profit Recovery ( a collection agency ) on XX/XX/XXXX, dated XX/XX/XXXX, to collect {$600.00} on behalf of XXXX XXXX. The payment is requested against an XXXX treatment for my daughter that was completed in XX/XX/XXXX. All the bills were cleared and closed in XX/XX/XXXX. However, without any written or verbal communications from the XXXX XXXX administration, we received a direct letter from the collection agency after over two years to pay an amount that we were not aware of or agreed to. In addition, XXXX XXXX is not interested in discussing the matter nor has agreed to provide any valid reason why the collection agency has contacted us.
Consumer complaint received 2022-11-10
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. (OH)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries and inaccurate personal information from my credit file. I need the following items removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-12-26
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. (MS)

These inquiries below are still being reported on my credit report as of today, despite receiving a confirmation letter from Equifax on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, confirming that you have deleted these inquiries from my credit file. This is very disappointing to say the least. 

The Following Inquiries are Fraudulent : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX SENDING MY IDENTIFICATION AND SOCIAL SECURITY TO SUPPORT MY DISPUTE
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OH)

The company has reported wrong information an employer causing me to get fired. I have started a dispute with the company that has well surpassed 30 days allowed for this. I have serious question as to the competence of this company to be doing this job as I had a representative become argumentative with me stating he was certain I lived at a downtown address, the address of the XXXX XXXX XXXX is where he argued that I live. I've never lived downtown, let alone the jail.
Consumer complaint received 2021-12-26
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: Diversified Adjustment Service, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-31
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: Santander Consumer USA Holdings Inc. (WA)

Unauthorized inquiry to my consumer report. On XXXX XXXX, 2021 Santander consumer USA, Inc obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

I wanted to send a book as a gift. I purchased the novel " XXXX XXXX XXXX XXXX '' on XXXX and XXXX on XXXX. The book is by XXXX. XXXX, a XXXX XXXX wining author. 

Instead of sending the book I paid for, they sent some weird comic book. A picture of that book with the receipt is attached. 

When I informed XXXX and XXXX of the error, they refused to rectify it. 

I went to my credit card company to protect me from this fraud. I filed a dispute and they requested evidence, but forbade sending any photos or files as evidence. I therefore sent them a recounting of what happened. 

XXXX failed resolve the dispute in my favor. With no notice to me, they reversed my credit. As a result, XXXX and XXXX stole my hard earned money and I never got the book I ordered.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (FL)

LoanCare is reporting late fees on my credit report when the account is already paid and closed. With the 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-18
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: VW Credit, Inc (MI)

My VW Credit loan for a XXXX XXXX was not total cashed out according to the guidelines of the GAP claim checklist filed with VW of America. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to equity ratio and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

2012 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2021-12-26
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 (KY)

Capital One XXXX Credit Card reported to XXXX that my credit was over the credit limit of {$1300.00}, by {$46.00}, without first notifying me that I needed to make a payment to bring down the balance to XXXX again, thus causing my credit score to drop XXXX points on XX/XX/2021. 

The problem is that I was never notified to make a payment, before Capital One reported to XXXX and the other two credit bureaus, I was over my credit limit by a mere {$46.00}, before causing extremely detrimental lowering of my credit score by XXXX points with XXXX, which was XXXX, then dropping my score to XXXX. My score has dropped again as of XX/XX/XXXX, again by Capital One, down to XXXX, this is extremely hurtful to me as I was in a car accident in XXXX, in which my car was totaled. With such an extremely low score now with all three credit bureaus, XXXX being just an example, I now can not finance a new car. 

I am an older divorced, single mother working full time with low wages in Kentucky, trying to provide for my XXXX year old son, and am in need of a safe car to do so. 

With my score dropping an entire XXXX points, due to my not having the opportunity to make a payment of {$46.00} ahead of time, I find that Capital One XXXX is a Predatory Lender. Capital One is responsible for dropping my credit score from XXXX, to XXXX with 8 days! 

XXXX XXXX XXXX
Consumer complaint received 2019-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On/or about XXXX, XXXX, I pulled my credit report and going over, I found out multiple accounts that did not belong to me, knowing this I did my own research and started disputing the incorrect information. As of today XXXX XXXX, XXXX  & TRANSUNION, have been refuse to remove an alleged bankruptcy that I never filed and listed below : Reported on XXXX, Alleged court name : US BKT CT NJ XXXX, type : Bankruptcy Chapter XXXXDischarged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX. 

Reported on TRANSUNION, Alleged court name : U.S. Bankruptcy Court, type : Chapter XXXX Bankruptcy Discharged with an alleged reference # : XXXX, allegedly filed on XX/XX/XXXX.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (GA)

I have filed complaints and tried to resolve this with each credit bureau ( Equifax, XXXX, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S. Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and XXXX XXXX and should be excluded from my credit report. 



603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standingXXXX XXXX XXXX - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. ()

Getting a credit report - is very difficult if you live overseas- could be impossible.Equifax sent me a letter stating their requirements for a credit report at my XXXX  address.  I submitted 7 items to them: 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX front and back 4. Electric bill 5. 1099 from my pension company. 6. IRS letter with my name social security number on the from of the letter.  7. My social Security card. All were clearly readable by them.I was rejected by 4 customer service people!  One told me to resubmit all my data again and try again.  All told me - "We don't send credit reports overseas".  Why ?  I've received them in the past! I spent over 3 hours with them to get turned down by all 4 persons. I kept asking for a supervisor. The 5 person that I talked to at Equifax seems to understand - He gave me a confirmation number and I checked  it, it was mailed out XX/XX/XXXX. Equifax needs to train their people better.  On a follow up to correct my report, I asked to have my correct address in XXXX put in under a personal statement in my report. You can't do that I was told, no foreign address can be put into a credit report either as a personal statement or officially.  Again asking for a supervisor, i was told that my XXXX   address would be put into the report as a personal statement by me. There is no excuse for their insulate behavior in rejecting me because I live in XXXX.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

Well my accaunt was shut down by chime becuz i forgot my password after contacting them they asked me to provide them with certain items such as two valid identification so i did after they verify and saw it was me they asked me for a phone bill so i could put my new phone # in i also did that and they keep giving me the runaraund abaut the bill saying to provide them with that document wen i did im going on three weeks without my money and its not right if they already verified its me wuts the problem i think that they are the real scammers talking abaut fraudulent activity the only fraudulent activity is wut they are doing chime is no good