davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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. (CA)

In Mid XX/XX/XXXX, I tried to apply for car loan and was denied credit due to an item that was negatively reporting on my credit report. I pulled my credit report with XXXX and discovered that XXXX XXXX XXXX XXXX ( XXXX-XXXX  ) was reporting inaccurate information on my credit report. On XX/XX/XXXX, I sent a letter to XXXX, Transunion and XXXX to correct/delete the inaccurate information being reported on my credit report. The big obvious items being reported was DATE LAST ACTIVE : Transunion XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX clearly my account has been re-aged and dates across all credit agencies were different ( Ref.A ). On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX that stated " We have reviewed the history and activity and believe your account has been reported accurately and completely to the credit bureaus. '' ( Ref. B ). I received letter from Transunion on XX/XX/XXXX stating that my account has been " verified as accurate, however, we updated : Past due ; Payment received. '' ( Ref.F ) If this was verified as accurate why did Transunion need to update? XXXX results recieved on XX/XX/XXXX claiming they have updated the information. ( Ref.E ) I recently pulled my credit report from XXXX ( Ref.C ) on XX/XX/XXXX and discovered more inaccuracies 1 ) DATE OPENED : Transunion-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX 2 ) HIGH CREDIT : Transunion- {$2900.00} XXXX- {$0.00} XXXX- {$3000.00} 3 ) CREDIT LIMIT : Transunion- {$3000.00} XXXX- {$3000.00} XXXX- {$0.00} 4 ) LAST REPORTED : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX If XXXX XXXX/ XXXX-XXXX  investigated and believed this was accurate, Transunion & XXXX last update was in XX/XX/XXXX. 5 ) DATE LAST ACTIVE : Transunion-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX 6 ) DATE of LAST PAYMENT : Transunion/ XXXX:XX/XX/XXXX XXXX- XX/XX/XXXX As an consumer, I made all the valid reasons to request a fair investigation. It seems XXXX XXXX XXXX XXXX/XXXX-XXXX  and the all the credit bureaus failed to perform their due diligence to report accurate, verifiable and complete information. This account resulted in headaches and stress and the inability to get approved for a car loan.
Consumer complaint received 2021-02-16
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. (OH)

I have requested validation of debt several times with all 3 bureaus for alleged debt/collections on my account as well as unauthorized inquiries in my credit reports. In response they have not sent me any validation of the alleged account information as required under the FCRA, they only responded that they verified the account was mine. No proof was given other then their statement. This has caused me great personal pain and suffering as I was denied for not only personal credit accounts but also a business loan due to inaccurate and negative information being on my credit report. I have sent out disputes 3 times in 2020 and the issues are still unresolved. The last disputes I sent out was on XX/XX/2020.
Consumer complaint received 2019-06-18
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. (CA)

I first disputed items on my credit report, Equifax sent a response that they investigated the dispute and they verified that the items that i disputed was in fact mine .... this is false. they never did a resonable investigation, their response was that " the furnisher of information certified that the item disputed was mine '' THIS IS NOT AN INVESTIGATION ACCORDING TO THE LAW. My rights under the fair credit reporting act has been violated I then sent Equifax a letter requesting a Method of Verification and they sent me a credit report. They are being paid to report items and they dont care if they are accurate or not and they are not doing any investigations making sure they are reporting the items i previously disputed are correct or that they belong to me. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 


The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation
Consumer complaint received 2023-04-01
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. (SC)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Consumer complaint received 2019-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2023-07-19
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: LEXISNEXIS (SC)

XXXXXXXX XXXX XXXX XXXX AND ALL SECONDARY BUREAUS SUCH AS LEXIS NEXIS (ALL),XXXX XXXX  (ALL), XXXX, XXXX (ALL), ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF: 1. 15 US Code 1681 b 2 - 2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b - 4. 15 US Code 1681 a 2- 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX received a call about data breech inside JPM bank for 10 years. I was offered insurance funds being the breech was on them XXXX for five years plus access to my trust and a safety deposit box also. Have not received XXXXXXXX XXXX Its was suppose to be in my account by XX/XX/XXXX. I contacted Chase bank customer service which told me I had to find external bank for my Derivative securities. I found XXXX set up an account and set up XXXX transfer to Chase bank XX/XX/XXXX. On XX/XX/XXXX XXXX closed my account with any warning and they wouldnt tell me why they simply said its there right to terminate relationship. I would like this resolved asap. Of course insurance funds for pain and suffering. I want back any loss of assets do to this situation. And full control of my accounts.
Consumer complaint received 2023-07-19
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. (OK)

I submitted a validation request, with errors I found on my credit report to Trans Union. They did not provide me with actual proof how the information was verified, only a computer-generated confirmation. The issues and errors, and validation requested on the report were not completed, or fixed.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (MD)

I am short on funds this month and used Paypal 's Pay in 4 installment loan to pay for a large purchase that could not be delayed. My first payment of {$69.00} went through without issue on XX/XX/XXXX. The rest of my payments were scheduled 2 weeks apart. I like to control my finances as much as possible instead of letting my money being taken automatically whenever possible. My next payment was scheduled on XX/XX/XXXX. I got my paycheck direct deposit on XX/XX/XXXX and used part of it to manually submit {$69.00} for my second payment.I expected my loan status to show 2 of 4 payments complete but instead it showed 3 of 4 with one remaining. I was charged for an extra payment I did not authorize Paypal to make a seond payment on the XXXX. I spent the next day leaving messages to paypal 's customer service because Live chat was no available. I was repeatedly told it could not be reversed and nothing could be done even though I did nothing wrong. All I want is my {$69.00} back so that I can pay another bill this week. I would then pay the 3rd payment on XX/XX/XXXX as planned. Paypal is forcibly denying that normalcy due to their failure to properly charge me only once. Paypal does not even let me claim a problem with the transaction through thier own Resolution Center. It instead offers me a link to look at the User Agreement. I looked over the agreement but could not find any section that shows Paypal is in the right here, but to contact the Resolution Center if there an issue. The company is sending me in circles in order to fix thier own mistake to give back the moeny they stole from me. I have also disputed this with my bank but have not yet heard a final response from them.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (GA)

Dear CFPB, I am responding to last previous dispute against Experian Credit Bureau response to you. I give the company Experian authorization to proceed with my complaint to resolve this issues on my credit report to remove the incorrect information immediately. 

I have previously submitted a compliant in regards to the company Experian Credit Bureau, that is continuing to report inaccurate account on my credit profile without mailing me proof of their method of verifying that account. I have submitted proof of letters of concerns with Experian and provided a letter from the GA Bankruptcy Courts stating they do not use third-party or do not report to any credit bureaus. This has been a stressful process dealing with Experian unethical behaviour of not investigating my request properly. 

Experian is not in compliance with reporting this inaccurate information on my credit report that is ruining my credit rating and reporting misleading information. I have been patient for several years and ask that you hold them accountable to the FTC, FCRA, FDCPA Law of my right of reporting accurate information on my credit profile. Experian has not sent me proof of any document of their method of verification and documents thats shows that my account. 

I ask that Experian mail me the documents that i requested and not an automated statement that does not prove anything. I am requesting method of verification documents with my signature that the requested account be Removed from my credit report immediately. This process has been stressful and this is my last result before I will have to take legal actions against Experian Credit Bureau. 

Thank You for helping me resolved this matter and hold Experian Credit Bureau accountable for reporting inaccurate information that's ruining my credit rating from obtaining any credit. Thank You for helping me correct and resolve this misleading information on my Experian credit profile. 

XXXX XXXX
Consumer complaint received 2023-04-01
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. (CA)

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$8000.00} ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was charged a late fee of {$38.00} even though I made my payment on the due date. The system forced a day later though I made my payment on the XXXX ( pictures attached ). I called to ask that the {$38.00} be removed, theay said they could not do that. I asked about the random cutoff time and was told that was company policy of when the post payments. I asked the supervisor how i could submit a written complaint, she said i could not do that and she could not give information on her manager. She said she would submit my feedback. I asked if I could get a copy of that and she said no.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax has not been able to provide an Equifax report on me since late year XXXX. Have called and spoke to numerous customer service representatives CSRs at Equifax to resolve their problem. I have sent multiple times via trackable mail copies of my Florida Driver License and Social Security Card along with recent bill showing address same as Driver License. Mailing these items to Equifax seems to not do anything on their end expect prompt their customer service representatives CSRsto tell me that they are not sure why identification verification is needed. The CSRs then proceed to tell me that I don't have a file with Equifax or that my file has been split and they are not able to rectify. At this time I am in the process of obtaining a mortgage and the companies require all three credit bureaus to supply their reports and scores. Equifax has yet to provide a solution to their problem. I have had in the past an Equifax report since at least XXXX.
Consumer complaint received 2022-04-08
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: WELLS FARGO & COMPANY (NV)

FRCA Violation credit card WELLS FARGO CARD SERVICE FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections  XXXX XXXX XXXX
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

This debt has been a burden on my credit report for a long time. The first issue is that its a closed account still reporting late payments. Second issue is that the debt is no longer owned by this company. The debt is owed to XXXX XXXX. Also, When asked to verify all 4 exact same debts i was told that it was " verified '' no type of documentation or signatures. These duplicated ( 4 In total ) accounts are bringing my score lower and preventing me from getting a home. I will like the outcome of this complaint to be all accounts ( 4 in total ) labeled " DEPT OF ED/NELNET '' be deleted.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I hope this letter finds you well. I am writing to request your kind assistance regarding the late payments on my account ( Account # XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I kindly ask that you consider removing these late payments from my account and re-reporting them as current. 

I understand that late payments are serious matters, and I take full responsibility for the financial obligations associated with my account. However, I would like to provide some context and explain the circumstances that led to my inability to make timely payments during that period. 

In XXXX of XXXX, I experienced a heartbreaking event when my beloved cat was tragically hit by a car right in front of me. Witnessing that accident, combined with the loss of my husband earlier in the year, plunged me into a deep XXXX. My cat was more than just a pet ; she was my constant companion and a source of comfort during a challenging time in my life. Losing her further exacerbated my emotional distress. 

As a result of the immense grief and XXXX, I found it extremely difficult to cope with my day-to-day responsibilities, including managing my finances. I fell behind on my work obligations and subsequently struggled to make payments on all of my bills, including the outstanding balance on my Capital One account. 

However, I want to emphasize that I have made significant efforts to address and overcome these hardships. Through months of prayer, therapy, and personal determination, I have managed to overcome my XXXX and return to work. I am once again able to meet my financial obligations promptly and responsibly. 

Given my improved circumstances and the sincere commitment I have shown to regain stability in my life, I humbly request that Capital One considers removing the late payments from my account. By doing so, it would greatly assist me in my ongoing home buying journey and provide me with a fresh start towards financial stability. 

I understand that this request may not align with the standard procedures, but I sincerely hope that you will review my case with empathy and understanding. I believe that everyone deserves a second chance, and I kindly ask for your support in rectifying the negative impact of the late payments on my credit history. 

Thank you for taking the time to consider my request. I genuinely appreciate your attention to this matter. Please feel free to contact me at the phone number or email address associated with my account if any additional information is required. I look forward to a positive resolution and your favorable response. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I received an ad to apply and pre-qualify for a American Express credit card, after going through and getting prequalify for three different cards I applied to only find out my application was denied. I contacted their customer service to go over the situation, they stated that because of my credit score my application was denied. This is something they were able to review when I went through the pre-qualification process and performed a soft inquiry on my credit report. This seems like a bait and switch to get a persons foot in the door with the pre approval and listing the cards that you qualify for them denying a person after they apply.