davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account incorrect and has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : XXXX. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

XXXX. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the following address contained within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Good day. I have been asking the company Chime Banking to close an account that I did not open. There has been activity that I did not authorize and am getting emails about acct activity. They gave me a hard time and wanted a copy of my ID to further add to the issue at hand. After threatening to file a complaint they finally closed the account. I have since been sent an email stating that they have been trying to deliver a banking card but failed. I have attached the latest email I received from Chime yesterday. I have yet to hear from them and since this is the second time I have asked them to close this account, further action must be taken. Please assist me in this clear fraud.
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

NOTE : THERE IS NO PLACE TO ENTER A REPRESENTATIVE UNDER PRIVACY RELEASE AUTHORIZATION. ENTERED AS ADDED CARDHOLDERS AS THERE IS NO OTHER OPTION. XXXX AND XXXX ARE NOT CARDHOLDERS, ONLY REPRESENTATIVES PER PRIVACY RELEASE AUTHORIZATION. 

Fraudulent credit card charges by a local criminal and on line. 

We are responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as an amount due of {$18000.00}. The terms of the agreement are unacceptable. This matter was disputed XX/XX/XXXX. Citi did not close the card and allowed fraudulent charges many months afterward. Citi turned disputed charges over to collection during an ongoing investigation. 

Since Citi will not cooperate in providing information to an ongoing investigation, our information will be provided only upon Citi Bank cooperation in the matter. 

Attempts to assist XXXX to resolve have been unsuccessful. Citi notified XX/XX/XXXX. After many months and many phone calls, were referred to Mrs. XXXX, who understood the situation and got the communications to the correct fraud unit instead of filing charges against XXXX for fraud. Now Citi will not provide documentation to properly complete an investigation and report to authorities resulting in my many hours attempting to identify who committed fraud from other sources. However, rather than continuing to resolve, Citi continues to attempt to accuse XXXX for fraudulent transactions instead of assisting to trace the fraudulent transactions such as XXXX XXXX, XXXX, XXXX and others both locally and on line..
Consumer complaint received 2019-07-25
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. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Consumer complaint received 2022-01-12
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. (MD)

There are XXXX inquires on my Equifax Credit report that are fraudulent, I have tried to dispute these inquires with the credit reporting agency, however I was unable to get a resolution from them. I am writing to dispute these three inquires on my credit report listed below that are fraudulent. 


XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Requestor : XXXX XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX Address : FXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Requestor : XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-06-27
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: BARCLAYS BANK DELAWARE (MI)

I'm went in to XXXX XXXX XXXX 's XX/XX/XXXXwith a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, Barclay Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

I lost my home XX/XX/XXXX during the recession when at the request of Wells Fargo I filed a Deen in Lieu. I could not get a job paying enough for my payment and Wells Fargo sent me a payment modification trial offer and I made the agreed payments on time, I was working but temp jobs like XXXX Census that didn't pay enough for my regular payment. Then they denied the modification and put me in foreclosure. I know I complied with everything and they would not give me a reason that they denied it. 
Then they offered me {$3000.00} to do a Deed in Lieu, so I agreed to that and did the Deed in Lieu but they did not pay me the {$3000.00}. I filed a complaint, and I do have have the documentation that they received it, and they said they would do an Independent Foreclosure Review but nothing ever happened. It was a terrible time in my life and I had to move in with my son. Suddenly in the beginning of this year, I got a check from the for {$200.00} and letter saying they may have made a mistake denying my modification. I called them right away but just got shuffled around to different people. I finally found out it was being handled by XXXX XXXX XXXX, they won't give their last names or email, and she will not call me back. She sent a letter and said they did nothing wrong and if I disagreed to fax her documentation from over 12 years ago. It took me awhile but I found a lot of documentation and faxed it to her, but she still will not call. Please look into it. I did the best I could to recover from it, but it took years and years. When I got the {$200.00} check I just started crying to think I could still be in that home I loved.
Consumer complaint received 2019-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NH)

My car was repossessed and then I paid the amount past due, next payment due and all fees totaling {$2100.00}. Bringing my acct completely current on XX/XX/XXXX. This included my XX/XX/2019 payment. 

Then 2 days ago I got a call saying my acct was past due for XXXX and XXXX. I had this investigated and the result was the system is applying payments incorrectly and they don't know why. It can not be fixed so they offered me a deferment of the 2 payments. I took this deferment so my credit isnt adversely affected any further. However, i paid XXXX payment already. Now I'm expected to pay it again at the end if the loan at 18 % interest. 

Their computer system is wrong and they are aware and not correcting this. 

How many other people has this happened to and how much money ate they making on interest by applying payments wrong. 

This is a major violation of the consumer rights! Please look into this!
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

I am a victim of Identity Theft. There is a Barclays credit card Account Number : XXXX appearing on my credit report that I have never applied for. I am not receiving responses from Barclays and they are reporting to the bureaus that the account is accurately reporting.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX, XXXX XXXX XXXX XXXX agreed to " remove all delinquencies reporting from XX/XX/XXXX through XX/XX/XXXX '' and " remove the charge off status. 

This account should be reflected as paid and in good standing. 

Evidence has been attached.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Original creditor is Capital One Bank. Opened on XXXX XXXXXXXX XXXX In collections with XXXX XXXX XXXX. The amount is {$600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have a Capital One Auto account that I am in good standings with.
Consumer complaint received 2019-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (FL)

I been using Western Union for many years and my family is been " robed '' for so long and I do not want deal with that anymore. I called Wester Union and they keep me in hold and hang up on me, I just want to know how they can protect me! 
No one answer me when I ask what is this hidden fees that they are charging me. 
I am tired to be robbed and no one answer me! 

When you send money they show you rates and how much money you will receive. When you go get money, is always short!
Consumer complaint received 2024-03-04
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2019-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.
Consumer complaint received 2019-07-25
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (NM)

XXXX XXXX XXXX XXXX XXXX XXXX has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX SPEEDYCASH.COM XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX SPEEDYCASH and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXXXXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX  XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
Consumer complaint received 2018-07-17
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. (CA)

I previously contacted Experian to dispute the following items on XX/XX/XXXX and as of today the items have not been updated which is past 30 days which I thought by law they were to remove the items disputed. 

XXXX  ( acct # XXXX ) is showing activity after it was closed and showing it was included in a bankruptcy XX/XX/XXXX which is inaccurate. I have asked to have this item verified and its been past the 30 days. 

XXXX  XXXX XXXX XXXX ( XXXX ) is showing a 30 day late which is inaccurate and I sent documents showing a payment receipt 21 days after the due date which is less than 30 days late. I have asked to have this item to be verified and its been past 30 days. 

XXXX ( acct # XXXX ) is showing late for the month of XX/XX/XXXX and XX/XX/XXXX and other multiple lates. This account should have no activity for the year XX/XX/XXXX since it was completed in XX/XX/XXXX. It actually states it was included in bankruptcy in XX/XX/XXXX! Even that statement alone is in conflict of a late being reported in XX/XX/XXXX! I have asked to have this item to be verified and its been past 30 days. 

XXXX XXXX XXXX ( acct # XXXX **** ) this account isn't mine and was deleted from my XXXX  credit file. it shows being included in a chapter XXXX bankruptcy which is inaccurate. I have asked to have this item to be verified and its been past 30 days.
Consumer complaint received 2022-12-02
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. (FL)

Approximately 45 days I contacted XXXX of XXXX to purchase a XXXX XXXX XXXXXXXX XXXX  XXXX for my business XXXX XXXX XXXX. I explicitly communicated to the sales person and the Finance Manager that the sole purpose of the transaction was to obtain financing for the vehicle under my corporate profile to further establish my corporate credit by adding a secured trade line that would report to the various credit repositories. Almost a month passed by when I realized that my trade in ( XXXX XXXX XXXX ) had not been paid off. The new finance manger told me that the previous finance manager had forgotten to get several signatures on the contract and needed me to come in and sign the missed signature blocks. I agreed to come in and execute the documents. XXXX weeks later I realized my vehicle had still not been paid off and I was in jeopardy of my existing lien holder marking me 30 days late with all XXXX credit bureaus which caused me to have to make an additional auto payment on top of the $ XXXX down payment made for the purchase of the new vehicle. On XX/XX/XXXX I received a notification from Experian  and XXXX that a new auto loan in the amount of $ XXXX was now reporting on my personal credit report which lowered my personal credit score from a XXXX to a XXXX instantly. In the end I was charged over XXXX  % interest for a vehicle that was intended to be in the name of my corporation for no reason. I agreed to the higher rate only to accomplish the loan being funded through my corporation. I have suffered financial damage both interest rate wise and credit score wise due to bait and switch tactics as a result of unfair, deceptive and abuse tactics of this dealership. I contacted the General Manager two times with no response. In addition I contacted the new finance manager who was extremely condescending, unprofessional and disrespectfully combative when I attempted to seek resolution.
Consumer complaint received 2019-07-25
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. (WA)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.