davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
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. (VA)

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my TransUnion credit report on XX/XX/XXXX to review the only credit card listed - XXXX XXXX ( XXXX ). 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my XXXX  XXXX  Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached TransUnion credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 )  Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, XXXX is now reporting it as {$0.00}. 

Enough already ... the account was Closed by XXXX on XX/XX/XXXX!
Consumer complaint received 2020-02-17
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. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.
Consumer complaint received 2020-02-17
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. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.
Consumer complaint received 2020-02-17
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. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.
Consumer complaint received 2020-02-17
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: Experian Information Solutions Inc. (CT)

XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX  XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX/XXXX  XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date.

Thank you.
Consumer complaint received 2020-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XX/XX/XXXX/XX/XX/XXXXXXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.
Consumer complaint received 2020-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

I have never received any paperwork from EOS CCA identifying who they are, what they are collecting for, or why! I have never heard of them, but they are on my credit report! I've disputed the account multiple times with the credit bureaus and EOS CCA and I have been told by the bureaus that it's been verified by EOS CCA! HOW? The only way I've ever gained any information is from an auto dialed call to my work, they did not say they were debt collectors or what their business was! I only recognized the name of the company from my credit reports.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.
Consumer complaint received 2020-02-17
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. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.
Consumer complaint received 2020-02-17
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. (TX)

I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX  XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX XXXXXXXX XXXX XXXX {$93.00} XXXX  XXXX XXXX XXXX {$120.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX  XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

On XX/XX/20, I tried multiple times to temporarily unfreeze my credit report at Experian throught their online portal as my husband and I are refinancing our home. I received a mesage that they couldn't process my request online and that I'd have to submit a significant amount of documentation via the U.S. mail to obtain a PIN to then be able to unfreeze my report. When submitting my request online, I provided my correct PIN information and all other correct information so I'm unclear as to why Experian can't process my request online. I then have tried calling Experian about 10 times today and can not get a hold of a real person. I really do not want to have to send my SSN via U.S. mail and risk it being compromised. I unfroze my consumer report at the other two Bureaus - XXXX and XXXX  - within minutes. Experian is incredibly non-consumer friendly and makes it incredibly prohibitive to remove freezes. Now, I willl likely miss out on a good interest rate because it will now take me about two weeks to get my security freeze lifted.
Consumer complaint received 2020-02-17
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 (NJ)

I called Capital One today to find out why I as being charged Interest Charge : Cash Advances when I have not taken a cash advance in so many years, I can not even remember the last time. I spoke to XXXX who credited me for the current charge of {$53.00} on my statement, but she could not credit me for any previous statements. All she could see is that Ive been charged approximately {$50.00} every month for interest charge : cash advances since XX/XX/2018. It could have been happening even longer than that as her system could not go past that date. 

As a result, I have closed my account. Ive been a GM card member for over 20 years. To learn that Capital One has been fraudulently charging me interest on cash advances I am not taking is disheartening to say the least. Then, to not even be offered an investigation in to these prior charges and being credited for them speaks volumes to their customer service.
Consumer complaint received 2020-02-17
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: Experian Information Solutions Inc. (CT)

Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (CT)

Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank
Consumer complaint received 2020-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

American Express # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.
Consumer complaint received 2020-02-17
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: EQUIFAX, INC. (CT)

XXXX ( XXXX XXXX XXXX XXXX made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX XXXX, also made soft pull requests on XXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.
Consumer complaint received 2022-10-11
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. (IL)

Hi I am submitting this 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a checking account with this bank and had some funds sitting for a while in my account. All of a sudden I get a fraud alert from someone from the bank telling me of a transaction I made that I did not. During that week it was a back and forth between the bank and I during their investigation. They the bank sent me an email and I made an error and click on the wrong box. That action made them determin that I made the transaction they claimed I did and my account was wipped out. Now they restricted my Credit Card with them and my Checking account claim was denied because I could not supply enough proof I did not made the so call purchase. I need your help I have nowhere to turn. Please.
Consumer complaint received 2020-02-17
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: JPMORGAN CHASE & CO. (CT)

Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from JPMCB XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an Amazon prime account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank
Consumer complaint received 2020-02-17
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. (NV)

I have been trying to resolve this unverified bankruptcy entry with Experian, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from Experian. 
Experian has made claims several claims that this information has been verified by its 3rd party vendor XXXX, with no other details provided to me. With that response from Experian, I contacted XXXX and asked them to verify this information, by obtaining the records this vendor had. XXXX could not show or prove that Experian had contacted them or verified this bankruptcy as Experian has claimed. Bankruptcy information was never found in my consumer disclosure report that XXXX maintains. 

XXXX conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to XXXX stating a removal of the bankruptcy, Experian did not respond to me nor XXXX. 

Despite this information FROM XXXX and additional information provided to Experian by their third-party vendor, the unverifiable information remained. 

Experian, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

According to Experian " verified '' means that the company, ( in this case vendor ) that reports the information to Experian has certified it reported accurately. However, this is not the case, XXXX DID not verify to Experian that this information was verified. 

A letter was sent to Experian on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since Experian verified with XXXX . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also Experian sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did Experian instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?
Consumer complaint received 2020-02-17
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. (AR)

I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$230.00}
Consumer complaint received 2020-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX/XXXX  is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX