davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
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. (PA)

On XX/XX/XXXX XXXX XXXX pulled a copy of my Equifax credit bureau with out my consent. I spoke with XXXX and they could give me no valid reason as to why this was pulled. 
I spoke with Equifax to dispute this and they indicated they could not remove it since we have no control of our own personal credit file. 
I can't begin to explain the problems with this situation! 
I would like to have the hard inquiry removed from my credit file. I have closed the account and while I am under no illusion that companies like this will care in slightest of loosing a good account because of nefarious behavior, I can only separate myself as much as possible from them.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

On Sunday XXXX XXXX XXXX a credit manager gained access to my credit report and damaged my XXXX and XXXX score. 

Experian and third parties gained access to my report and changed accounts. 

Experian has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX  3. XXXX XXXX EXPERIAN did not independently validate information contained in furnishers records. 
false delinquencies EXPERIAN, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
EXPERIAN failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
EXPERIAN withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I would like to say that I have ben trying to get this fixed for years with no luck it is funny that we do n't have any one that will stand up for what is right. what I said was the truth no matter what JPMORGEN sais I did not lie it happened just like I said and it is a shame that the CFPB cant do a thing. but they do fine them millions of dalliers but the people that deserve there money back that was cheated out of it. i do n't no what they do with it it is millions they get where dos it go & & & & & & & & I was cheated out of my house I wont the money that I deserve and I will never have any thing to do with JPMORGEN CHASE and I will never say any thing good about them the way they lied about the hole thing I tried to work with them ask XXXX XXXX if she is not afraid she will tell you I cant get my house back but I would like to have the money back the truth is I could n't sleep at night if I did people the way they did
Consumer complaint received 2022-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

My ex-wife and I received 3 checks from the IRS in the amounts of {$300.00} ( dated XX/XX/XXXX ), {$300.00} ( dated XX/XX/XXXX ), and {$4200.00} ( dated XX/XX/XXXX ). The checks were written to us both as payees as follows : XXXX XXXX. & XXXX XXXX XXXX remotely deposited the {$300.00} check dated XX/XX/XXXX into her personal, sole account with Chase Bank ( account ending in XXXX ) on XX/XX/XXXX without my knowledge, without my endorsement, and without my consent. I filed a police report for theft, and the police determined it to in fact be theft. 

I believe the other two checks, in the amounts of {$300.00} ( dated XX/XX/XXXX ) and {$4200.00} ( XX/XX/XXXX ), both also from the IRS, were deposited in the same manner in the same account. They were never endorsed by me, nor did she have my permission to deposit them. I do not have access to this account.I have filed a police report for those checks as well, which is still open.
Consumer complaint received 2022-07-21
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. (MD)

I appreciate the time of CREDIT BUREAUS to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 EXPERIAN and XXXX are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous Complaint with # XXXX XXXX ; XXXX ; XXXX & I am including it again. Please delete the following items : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-01-02
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. (FL)

I was reviewing my credit report and was riddled with XXXX  seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.
Consumer complaint received 2022-06-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2018-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hiday & Ricke, P.A. (FL)

Received a notice in XX/XX/XXXX that Hiday & Ricke P.A had bought an old judgment for a returned vehicle. The amount stated was XXXX Two months later H & R, contacted my company and started a garnishment, without a court order. On XX/XX/XXXXthey filed in court for a garnishment for the amount of XXXX. As of this date:XX/XX/XXXX they have received XXXX  and have not notified my employer that the debt is paid. Phone calls to the office are never returned. XXXX XXXX XXXX  is the lawyer that has shown up for the two hearings on the matter and the only signatury on the majority of the paperwork I have received.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Back in XX/XX/2019 a settlement was made to XXXX XXXXXXXX for a balance on a card I had them with them. This was never updated to my credit report it currently is showing that this account is past due for {$7800.00}. As you can imagine this greatly impacts my credit worthiness and I can not close on a loan I am currently in contract with.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (MS)

Freedom mortgage account was surrendered in bankruptcy Freedom mortgage pulled my credit report after bankruptcy My bankruptcy was discharge and the final account put them being paid. They show my account current on credit report but not 0 liability and also showing that I have a monthly payment I put in dispute with all credit bureaus I also informed freedom morgage I surrendered the property And did not reaffirm debt but every month they are reporting me owing XXXX more on loan now to XXXX due to fees I went into bankruptcy with a balnce of XXXX The trustee had payed loan for one year he did not pay freedom mortgage after I surrendered property but on final accounting it says he paid them over XXXX in principal. The bankruptcy is now discharcharged and the case is closed but freedom is still reporting I owe balance and payment.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IN)

There was an old account appearing on my credit file with XXXX from XX/XX/2013 and now this account appears as a new account with some company named XXXX showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.
Consumer complaint received 2018-04-18
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: Diversified Consultants, Inc. (CA)

Diversified consultants has reported a derogatory open account to all three bureaus that they refuse to validate. I've requested twice that they validate this debt, as I was a victim of identity theft around the same time they claim I established service with them. I've not had a XXXX account in years. Even then it wasn't under my name. I am requesting that Diversified consultants INC validate this debt. Please provide me the information used to establish this account in XX/XX/2015 such as social, ID and or signature on contract. It is vital that you're reporting accurate and true information. I am prepared to go as far as I need to, even if this is court. This is holding me back and I refuse to pay a debt I know doesn't belong to me. The amount said I owe is XXXX. I was a victim of identity theft and had a few other accounts where someone had used my name but used a diff social and they reported the debt to me, obviously this was removed since it was against the FRCA laws. So please validate this debt showing me what information was used to establish this account. This is my last attempt to deal with this before seeking legal counsel
Consumer complaint received 2022-06-13
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. (PA)

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When i received my credit report i was shocked i had a 30 days past due in XX/XX/2013 in my capital one account number XXXX, i believe i always made my payments on time when i received the statement, most likely i did not received the statement that month, looking into my account i was never late before or after.
Consumer complaint received 2018-04-18
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. (OH)

I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX  Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

CREDIT COLLECTION SERVIC Reported : XXXX. XXXX, 2022 - {$0.00} This collection agency stated and harassed me to pay the debt from XXXX XXXX and they would do pay to delete. This is still reflecting on credit & paid.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (IA)

XXXX XXXX  has 3 accounts still listed on my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ). All 3 accounts show a balance of {$0.00}, but report as charged off. Despite contacting the company numerous times, these items still report. I am wanting to buy a house soon, and these 3 accounts are still showing up, and weighing my score down significantly. I have had other companies remove paid collections, but it seems XXXX XXXX only wishes to report paid collections out of spite. The 3 accounts are a XXXX, a Paypal Extra 's MC and a XXXX XXXX XXXX. 2 accounts were closed on XX/XX/XXXX, and Paypal Card was closed on XX/XX/XXXX. Despite over 3 years passing since these accounts were closed, they are still damaging my credit.
Consumer complaint received 2022-06-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2018-12-06
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. (GA)

I was informed that the XXXX account was closed on XX/XX/2018. This account is still reporting as open on my credit report and the days that it is reporting as late is incorrect. They claim to state that the information is verified as accurate in which it is not!
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I authorized approximately {$160000.00} in charges using my chase XXXX credit card. The company billed for additional {$34000.00} with neither my permission or authorization at a late date. I reported this fraudulent charge to the Bank.
Consumer complaint received 2018-04-10
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)

I am writing to request several credit inquiries that were unauthorized be removed from my Equifax credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 6 inquiries that I did not authorize or receive. They are as follows : 1. XXXX XXXX XX/XX/XXXX2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXXXX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XXXX of 2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX s and hide two and attach my wages thats going to kill me and make me homeless!!!!!
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (IL)

On or about XX/XX/18 I logged into my XXXX account and tried to withdraw my balance of {$350.00} to my connected XXXX bank account. I received an error message, something to the effect of " withdrawl failed. '' I then emailed the skrill support at XXXX to alert them to the problem. I then ultimately received an email on XX/XX/18 whereby they informed me that my account was getting closed. They didnt really give me a reason other than quoting some of their terms and conditions etc. I assure that no fraud was committed by me in any way. I have no idea why they closed this account. I want an explanation and at a minimum I want the {$350.00} that was left in the account.
Consumer complaint received 2018-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX of 2018 I applied for the XXXX  card with Capital One Bank, they approved my card but told me that my credit score was XXXX, I checked my credit report at XXXX as they suggested and it shows my credit score is XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Capital One Bank told me that my APR would be 23.99 % because of the XXXX credit score they made up instead of 13 they advertised for people with excellent credit score. I believe that Capital One lied about my credit score just to give me a higher rate on my credit card. I called them to try to resolve this issue after I received my actual credit report but they said that they were not able to lower my rate. After I told them that I would like to close my account they told me that I would never be able to open an account with them again. All of their customer service reps were polite and professional at all times.