davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Im an essential frontline worker and a satisfied Capital One Customer and have XXXX small capital One cards that incurred late payments during the pandemic. 
On one card, I was marked late for XXXX to XX/XX/XXXX, and on the other I was marked for XXXX to XX/XX/XXXX and for the month of XX/XX/XXXX, for extremely small payments. 
My job as a XXXX XXXX requires that I work on ventilation units in public buildings and hospitals. During this time, I caught the XXXX virus on XXXX occasions and although I had no problems financially, I was unable to attend to my day-to-day responsibilities I have seen on the CFPB website complaint history t

hat Capital One has made exceptions to remove late payments for frontline workers. I am requesting that Capital One do the same for me and remove the late payments from my credit report for both cards. I am attaching a copy of m
y XXXX XXXX license ( I include copy of my XXXX license )
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation (TX)

On XX/XX/22 XXXX XXXX XXXX was NOT authorized to take a credit/debit transaction in the amount of {$200.00}. However they did take out this money from my bank account. 

They are refusing to refund me the money. They are refusing to answer the phone. They are refusing to communicate with me personally. 

They keep replying with automatic replies. 

I am unable to reach a human at XXXX XXXX XXXX. 

I am working with my lawyer to sue them
Consumer complaint received 2022-05-14
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. (NY)

After reviewing my credit report, I am not happy to see the below item is still reporting under my name, all other inaccurate accounts here are deleted already and you must removed this too right away since I have informed you that this is affecting my credit rating negatively.
Consumer complaint received 2022-10-26
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 account is reporting as " Repossession '' when in fact it was a lease termination. They circumvent Bankruptcy laws with regards to Repossession, by setting up their contract as a " Lease with the option to purchase '', maintaining their ability to retain possession of their leased property, under the guise of the vehicle not being collateral to secure an actual loan. This being said, they do not get to ALSO incorrectly report the account as a " repossession '' in pursuit of an {$8000.00} deficiency balance, when they simply terminated the lease contract and retained their own property. Again, this was not collateral used to secure a loan and therefore not a repossession.
Consumer complaint received 2020-02-19
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. (NJ)

I have collections on Experian, XXXX and XXXX XXXXhat do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've sent over an investigation request letter to XXXX Transunion and XXXX via Certified mail with proof of delivery and signature. Signed by XXXX XX/XX/2022, signed by Transunion XX/XX/2022 and signed by XXXX XX/XX/2022. I haven't received any letter about a completed investigation or haven't had any deletions based on the inaccurate info regarding the accounts listed in my letters to them. It has been over 30 days so they have violated FCRA and FDCPA laws also by not deleting the accounts reporting inaccurate data. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. They haven't notified me of any results nor was it properly investigated if so, because how would that be possible if " Last Updated '', " Worst Delinquency '', " 2-YEAR PAYMENT HISTORY '', " 30 days late '' section, " 60 days late '' section, " 90 days late '' section, " closed date '', " last activity '', " terms '', " payment status '', " balance '', are all showing inaccuracies. 

Those are MANY inaccuracies and HIGHLY damaging my credit, it has hurt and is hurting my ability to obtain credit. 

I provided my letters to them and then proof of my credit report pulled XX/XX/2022 circling ALL of the errors and inaccuracies on these accounts. I want to make it clear I XXXX XXXX am submitting this myself and not being represented by anyone. 

After multiple FCRA and FDCPA laws being broken I demand these accounts be removed IMMEDIATELY. 

Account Name : XXXX XXXX Account Number : Ending in XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal permanently limit my account im been using my paypal account since 2018 but sad to now they block my account i have XXXX usd XXXX my available balance and i can't widraw my fund because of this limitation. I really need to restored my account for to able to continue and to widraw my remaining fund. I have an evidence screenshot that they permanently limit my account together with the proof of my balance.. 
Thank you..
Consumer complaint received 2018-07-17
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. (MD)

I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies Experian, XXXX and XXXX back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error. 

XXXX  deleted the file but it still remained on my Experian and XXXX  credit files. 
Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is the XXXX XXXX XXXX XXXX, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. 

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (MS)

Open account with CONNS CREDIT CORPS on XXXX XXXX XXXX XXXX XXXX XXXX. I return merchandise back to store at XXXX XXXX Mississippi store I have a invoice where I return it they have reported me to XXXX for a total of XXXX I have received about XXXX calls from them I have screenshot the phone calls before XXXX I have faxed over the invoice where I took merchandise back I agree to pay restocking fee of XXXX dollars I have call them maybe XXXX times and they give me run around they should not have reported to credit agency for the amount above I had talk to several of their employees they said they would take it off but have not they have called me so many times i faxed them copy of invoice like they ask me 3 times
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

I enrolled in American Express ' XXXX XXXX Program ( the " Program '' ) on XXXX XXXX, 2020, with my credit card account having been previously reported by American Express to the credit bureaus once in XX/XX/2020 as 30 days past due. 

I enrolled in the Program under the impression, as stated in the Program 's terms and conditions ( received in writing on XX/XX/2020 ), that " if it ( your account ) is past due now, it will not be reported any further past due ''. Despite this representation in the Program 's terms and conditions, American Express reported my account as past due again subsequently on XX/XX/XXXX, 2020- XXXX days after my enrollment in the Program and contrary to the terms and conditions cited above. 

Since the second reporting on XXXX XXXX, 2020, I have contacted American Express twice to 1 ) express my surprise at the reporting given the clear statement in the Program 's terms and conditions that states otherwise, and 2 ) request that the XX/XX/2020 credit bureau past due reporting be rescinded. During both calls, American Express provided additional previously unknown Program terms to me, specifically that my account would continue to be reported to the bureaus as " past due '' because " it takes 3 payments to bring the account current under the program ''. This information and caveat was never made known or explained to me by American Express, nor is it specifically stated in the Program 's terms and conditions I received on XXXX XXXX, 2020, in writing. 

As a result, I am filling this complaint to highlight the 1 ) highly misleading and inaccurate terms and conditions cited in the Program 's consumer documentation, indicating that '' if it ( your account ) is past due now, it will not be reported any further past due '', which is clearly contrary to actual practice given the past due reporting to the credit bureaus on XX/XX/2020 and subsequent verbal statements by American Express representatives, and 2 ) request that the Program 's terms and conditions be clearly and specifically transparent regarding the actual continued negative credit bureau reporting for an account with a past due status at the time of Program enrollment, and 3 ) that as a result of the above, American Express honor the documented Program terms and conditions as presented to me via letter dated XX/XX/2020 and rescind the negative past due reporting on XX/XX/2020 and refrain from any such further reporting during the course of my enrollment in the Program. 

This is extremely important in light of other consumers ' desire to avail themselves of this Program. American Express ' misleading and non-transparent Program terms is shameful in normal times, and downright disgraceful during these extraordinary times.
Consumer complaint received 2022-06-03
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. (OH)

In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXXXXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXXL Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I went online to put a credit freeze on my credit to prevent any theft in the future with Experian. After answering ambiguous questions such as " last four digits '' of your primary checking account ( I have 2 checking accounts ... ) and " what year is your vehicle '' ( which I have 2 ) it told me I had to send an unbelievable amount of documents through mail. This included SSN, bank account info, drivers license, etc. Of course, anyone who wants to freeze their credit report is trying to PROTECT their information and Experian knows that folks won't want to send this information in by mail where it could be lost or viewed by numerous individuals.

Experian has a paid service for locking my credit account. This of course costs money ( {$24.00} per month after the first month ). They have no issues in verifying my identity once I provide my credit card.

Experian is trying to get around federal laws requiring them to provide credit freezes to customers by creating unnecessarily burdensome requirements that put consumers at even MORE risk of identity theft.

I would like Experian to put a credit freeze on my account online. I had no issue with this process with XXXX.
Consumer complaint received 2020-02-10
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. (IN)

XXXX - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XX/XX/XXXX-XX/XX/XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XX/XX/XXXX! I have no made a payment to this account since XX/XX/XXXX. The creditor has re-aged this account Equifax repeatedly says this account is verified and accurate! ( XXXX  did delete this account ) XXXX  XXXX XXXX XXXX   - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Equifax of course says again it is accurate and " verified. '' XXXX XXXX - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! I have disputed the above accounts with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports! 

I have requested documents to be sent to me proving the accounts are " accurate '' creditors, collection agency and credit bureaus have all failed to do so within the 30 day time frame! All they keep doing is " updating '' the said accounts with even more inaccurate information. Please delete this immediately!
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, I had opened a Bank of America Free Student Checking account back in XXXX. It was supposed to be a free checking account for life as i was told at the time of opening the account but to my amazement I received a statement couple of weeks back stating that they are force closing my account. After talking with their account representatives back and forth multiple times I was told that the bank had sent a letter to my residence stating that the account will be charged a fee starting XXXX. I never received any letter from the bank nor did i receive any email. My account has been dormant for quite a while. I trusted my bank to keep my money safe but now i come to know that they were charging me a fee every month since XX/XX/XXXX and when there were no funds in the account they just closed my account.
Consumer complaint received 2022-12-19
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. (WI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

My checking account # XXXX debit card was used online XXXX, XXXX and XXXX XXXX all online! I was told they saw it was FRAUD because my name and info didnt even match my card was NOT used in person etc and they would refund my account and when other transactions came off of pending they would refund and fix my account! I called today and asked why my account was not credit credited for other charges she told me their investigation showed my fault because the CHIP was used/ this is a blatant lie!!!!! My card went used it was all online transactions! They provided no proof and said XX/XX/23 they would take the money from me I asked for appeal immediately!