davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is my second complaint in regard to my previous CFPB complaint numbered : XXXX. And probably my sixth complaint regarding Equifax. 
It should go to : XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX Equifax did not report to you it responded to this complaint. However, there are several things wrong with their answer : 1. I was advised to " upgrade my Equifax product. '' This is something one does, or at least I do, when a level of confidence and trust has been established with a company and I feel and believe a higher level of service, and more money spent, is deserved. Equifax has created the opposite in me because I already pay for their service and even if I didn't, am I supposed to accept the errors associated with my credit report, and that Equifax generates, go to people who might want to lend me money, or offer me a job??? Information is gathered, and written, about me no matter what, so if I don't pay Equifax enough, they don't care what they say about me??? So, in other words, Equifax is advising me if I don't upgrade and spend more money, the errors in my report will not go away or be fixed. These are ERRORS and they are caused by Equifax... I should NOT have to pay more for fair and correct reporting and I will NOT!!! 

2. Equifax statements about my credit stability have been written incorrectly and contradict each other and I have reported this MULTIPLE times with examples to XXXX XXXX, XXXX of Equifax. NOTHING has been done to correct these errors. For example, a condition that might help my credit : " Balances on bankcard or credit card accounts not too high compared to limits '' and same comment, but negative this time : " Total of all balances on bankcard or credit card accounts is too high. '' These two statements are opposite each other... but they STILL exist! And these two make no sense : " Balances on your accounts are too high compared to loan amounts ... '' What does that even MEAN??? And " The date you opened your oldest bankcard or credit card account is too recent. " ... that is NOT true and WHAT is too recent????

Further, their response is nothing but a form letter. Most of the verbiage in it is XXXX, makes no sense and is inapplicable to me... poorly executed response and I refuse to accept it.
Consumer complaint received 2023-11-02
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. (LA)

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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)

I was speaking to a loan officer from XXXX XXXX XXXX  XXXX, XXXX about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you
Consumer complaint received 2019-12-07
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. (CA)

On XXXX of 2018 XXXX  XXXX XXXX reported to the 3 credit bureaus Transunion XXXX  and XXXX  that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX  XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX  LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.
Consumer complaint received 2019-12-07
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. (TX)

I am disputing these accounts because it is fraudulent. I have no knowing knowledge of this account. Nor have i received any monetary or goods services associated with this account. 


There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when  such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (LA)

i was charged XXXX on my bluebird pre paid card for a charge i did not approve. I submitted the complaint as soon as the transaction happened which was XX/XX/2019. They still dont have an update and it is almost 2 weeks. I called them two days ago about a provisional credit and they said it would be credited to my account in 10 days. After talking to them today, they said it is going to take 45 days to make a decision. Right now, i cant pay my rent, car note and car insurance because American Express Bluebird is taking a very long time to handle this.
Consumer complaint received 2023-10-04
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023. I booked a rental car with online car rental broken ( XXXX XXXX  ) -I pre paid for the rental on the same day using my American Express Card .

-I arrived at XXXX XXXX Airport to pickup the car however the ( XXXX Agent stated He could not release a car to me as the system would not allow it ) I spoke to their customer service team at the same time over speakerphone at the airport at the time of rental. 
The customer service agent agreed with the counter agent that they could not release a car. 
Upon returning home I was angry and I sent a formal email to XXXX XXXX XXXX about the incident ( my Rental was booked at XXXX hours ) There would be CCTV and my wife who dropped me to the Airport to Collect the car is proof I was there at thhe right time. 

( XXXX XXXX XXXX XXXX  ) has been a problematic company to deal with, with no telephone numbers just emails. I have my enitre records of emails with them. 

On the same day and date I realised something was not righht so at the night I contacted American Express raising a dispute charge against XXXX XXXX XXXX for the XXXX XXXX XXXX ( I called Amex on the night and told them about the incident and thhat XXXX XXXX XXXX should not get paid as thhey refused to provide a service which I purchased.

However AMEX the and their unwise customer service chat agent raised a dispute with XXXXXXXX XXXX XXXX for a charge in XXXX for a booking in XXXX. 
( I would come to realise what they did sometime later when they refused my dispute thhe mistake they made ) I corrected it and they still screwed it up multiple times. 
Finally AMEX returned a dispute note to me saying They were happy with the lies XXXX XXXX XXXX  have provided them thhat " I did not show up for my rental '' I have witnesses along if needed i will get thhe name and staff memeber at XXXX who dealt with me as evidence I showed up. 

This whole month stressful not only having to deal with a awful credit card company that really does not offer any form of protection for paying online but at thhe same time dealing withh lying firm and car rental broker XXXX XXXX XXXX  and a pathetic XXXX rental company. 

I have enough evidence and AMEX should have enough evidence as I had to book a car the following morning with a more reputable car rental company XXXX. 

I was booking a car as my personal car was rear ended. 

AMEX wont accept liability that they paid a firm who failed to provide a service that I paid for and shhowed up at the right time to collect! instead thhey have believed the lies of a rental broker who has no evidence for any of their claims! 

I would like my money returned I paid for a service I did not get and if not I will proceed witht heh matter legally AMEX failed to provide any protection
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC (IL)

On XX/XX/2023 I XXXX XXXX attempted to create a credit profile with XXXX credit bureau to check my credit score, only to learn that someone has already created an account in my name, so I contacted the XXXX fraud department and explain to them that I did not create this account, the fraud department placed an fraud alert on my credit report. Once I had access to the fraudulent account with the help of the fraud department I notice there were quite a few accounts on my report I didn't recognize, ( 2 ) XXXX XXXXXXXX credit cards, the first one amount is XXXX the second amount is XXXX a XXXX XXXX card in the amount of XXXX, and a total Card in the amount of XXXX and a XXXX XXXX insurance Policy in my name in the amount of XXXX dollars, Also an XXXX XXXX account in the amount of XXXX dollars, Also an west Lake financial Auto Loan I contacted them it was closed, amount XXXX dollars, also an account with XXXX XXXX bank in the amount of XXXX  dollars, and XXXX  Business account in the amount of XXXX dollars and a XXXX acount with the amount being XXXX plus dollars still awaiting the exact amount from XXXX i contacted there fruad department on XX/XX/2023 2023
Consumer complaint received 2023-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I noticed a collection from a company called Progressive Management Systems ( Prog Mgt Sys ) in the amount of {$6200.00} which I believe is a fraudulent account. The dates opened are different on every credit bureau and per the FCRA an inaccuracies need be corrected or deleted from my credit report. I also do not owe any medical facility any money as the only treatment I have had in the past 3 years has been covered by my insurance. I would like to obtain proof that the debt owed is mine and that it does not violate HIPAA or the FCRA otherwise such should be deleted from my report as it has put a burden on my ability to responsibly obtain credit.
Consumer complaint received 2023-01-05
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX & 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened an account with XXXX XXXX. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been sending letters to Capital One since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit reports. Lastly, Capital One broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with XXXX XXXX.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My account was closed due to an inquiry made on my credit report. I had paid the credit card in full some months and made on time payments other months. My credit card account with Huntington had always been in good standing. There are/were no delinquencies with Huntington on my credit card or former loan accounts ( mortgage or vehicle ).
Consumer complaint received 2023-02-09
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number 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, 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 2023-02-09
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. (DE)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Child Support # XXXX ( Texas Child Support SDU ), XXXX XXXXXXXX # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681 S-2A1 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-12-07
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: GRANITE STATE MANAGEMENT & RESOURCES (WA)

HI, I wanted to submit my complaint to advise you that as of XX/XX/2019, I was recently hacked from a Malware site that compromised my personal information from my cell phone. I was locked out of my emails, my contact list, and somehow they hacked my XXXX  account. I was able to recovery my XXXX account at work using a secure connection, later that evening with the help from XXXX, when I submitted my claim.

All the information that I have noticed being published about me is absolutely false, and as a result of Identity Fraud with my  personal information being hacked, and credit inquires that are unwarranted on my account. I have not at all engaged in any illegal activity with these publishing 's. The information provided is fraud as I noticed the negative impact of false information on my account. I have never been in trouble with the Law before, except pending case now. I have never had child endangerment charges, domestic assaults ' charges at all. I would like to have that taken off for public record, as is completely false. I am legally bind to stay out of trouble, and have been. I have reported to XXXX   and explained the situation. I will be getting a hold of the fraud unit of their department Monday. The malware issues are solved now on my phone, and I'm able to retrieve some of my emails. I did notice some of them were deleted, as it concerns me in a pending court matter. I was unaware of this information, being published, Til I saw it on your website, the legal civil notice of Privacy act, and Civil penalty fee. I am overwhelmed with the information I have seen. Under truth the allegations are false, incorrect criminal history, personal information wrong, false credit inquires, or any use of money transferring, new debit cards, and my current bank was withdrawn fund, frauduantly obtaining new student loans are falsely incorrect as well. If you have any questions, or concerns proceeding this matter. Please feel free to contact me, Thanks so much!
Consumer complaint received 2019-12-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Figure Technologies, Inc (MN)

I did not proceed with their process to borrow against the equity in my home and I simply want to report what they are doing because I was alarmed by it and feel their practices are inappropriate. They sent me a letter by mail with a code offering a line of credit against the equity in my house, containing valid information about the equity I do have.The online application process proceeds normally until they ask you to supply login information : Account logon ID and PASSWORD for any of the following : Your payday provider, i.e.  XXXX, or your checking account access, or your IRS account or your " asset : account ( presumably your investment portal ). 
I do not believe there should EVER be a reason to supply anyone with logon information to any account, and certainly not financially critical accounts such as they demand. I called them and asked if a PDF of my recent pay stub would work and they said no, I had to allow them to logon to my accounts. They then supplied some misinformation about how this only allowed them limited access. That is a lie. If I give them logon information, obviously they can do anything I can do when I logon, such as transfer money from my checking account to them, sell any assets from my retirement account, etc. 
I wanted to alert you to this.
Consumer complaint received 2019-07-31
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-12-30
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: Byrider Franchising, LLC (KY)

This is my third and final attempt before legal action is taken for a credit inquiry from J.D BYRIDER showing on my credit on XX/XX/2022. please note that I deny and dispute this inquiry. I am requesting a copy of a contract or an agreement. Please note that simply possessing my personal information does not give you the authority to report my information without my consent. CONTRACT OR AGREEMENT PROVIDED BY YOU MUST BE WITH THE ORIGINAL CREDITOR AND SIGNED BY ALL PARTIES INVOLVED. please also note that you are in violation of 15 USC 1681b. Provide the documentation or delete the inquiry within 30 DAYS. 

XXXX XXXX