davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (VA)

On XXXX XXXX, XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX is on my credit report as a collection from XXXX XXXX XXXX. XXXX XXXX seriously XXXX  up our services in the process of moving and failed to never get the product working correctly. I personally went to XXXX XXXX XXXX 'XXXX offices and returned the equipment and asked the lady at the front desk if there was anything else on the bill and she looked it up and said that there wasn't anything on the account and it was closed now. XXXX XXXX took over the phone number and got the issue fixed easily. Then after a while of being switched XXXX XXXX XXXX claimed that the contract was terminated and we owed a fee for cancelling early. I explained to the lady, who was very rude, that they failed to be able to provide adequate service, and actually the service was poor. At times we were receiving other business 's phone calls and other individuals were receiving our calls. She said that she showed in her tech 's log that it was resolved and I told her it wasn't. And she said she didn't believe me. Then she turned it over to XXXX XXXX   XXXX and I explained the ordeal to a lady that was assigned to this collection. She said she was just going to terminate the collection because she felt it was ridiculous. I had considered to file a claim with the XXXX but I would just prefer to let it go and know to never do business with XXXX  XXXX XXXX ever again. This is more of a principle of things on this collection as the woman at XXXX XXXX was really unprofessional and I let her know it and she let me know she didn't care. Pretty sad actually, because I used to have the place I worked at use them when they were XXXX, but I let them know to never use XXXX XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has an incorrect account listing of an account with XXXX on my credit report. 

I attempted to make a purchase using XXXX  through XXXX. However XXXX  canceled my order immediately after completing checkout. XXXX has never refunded my {$500.00} down payment, nor have they terminated the never existent loan. 

They continue to report to experian a loan that does not exist and refuse to refund my down payment. 


Experian has been notified of this multiple times by multiple channels. Including a previous complaint utilizing this process, with which they never responded and simply lied, stating they did. 


Both companies are in very serious wrong doing and both are abusing this system right in front of your eyes. Take action on them immediately.
Consumer complaint received 2021-10-25
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. (KS)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-02-13
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. (CA)

XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX Balance {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-07-31
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2019-01-28
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. (NV)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern, I have contacted Capital one bank about the serval charges and sent in all of the proof for these charges all of the mercharcants sent physical documents stating that I would be refunded and I never received a refund I filed a dispute with the reps and they were extremely rude, Been experienced reps yelling and saying to me that its my fault and its disgusting how a bank has zero fraud liablity but still takes no responsibility. ATTACHED YOU WILL SEE THE PROOF AND THE EMAIL CHAINS THAT OCCURRED. e : Claim XXXX for account ending in XXXX We're working hard on these disputed transaction ( s ) : Transaction Date ( s ) and Amount ( s ) XX/XX/2020 - {$110.00} - XXXX XXXXXXXX XXXX  XX/XX/2020 - {$49.00} - XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX AM ( 10 days ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Please review Capital one claim # Re : We need some more info for your dispute [ XXXX  : XXXX ] << Reference ID : XXXX >> Your Order Number : # XXXX Order # : XXXX Order # : XXXX Hi I placed an out back in XXXX I am missing skinny jeans, oatmeal bodysuit, skirt, and grey top. Is their another shipment? I told them Not to resend me another shipment. Now you guys did under this order Your Order Number : # XXXX. I reached out to fashion nova over 5 times via email was told by a XXXX in chat I will be getting a refund within 24-48 hours. I filed a dispute with my financial institute Capital one now they have said they contacted you and XXXX  XXXX says order is valid. I been dealing with over now 3 months where is my stuff!! You guys resent items supposedly under the replacement after I told you guys I didnt receive it. Ive now paid over XXXX dollars and I contacted my bank and you guys are lying. I need a response to this ASAP my bank is included in this email as well.. For order : XXXX you guys been well Aware that I didnt receive this the tracking details clearly says incorrect My response that Im looking for is a refund and a apologies for the inconvenience that I been put through. I can be reached via email or XXXX Sincerely XXXX XXXX please contact me i never seen the previous settlement.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.
Consumer complaint received 2021-02-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group (GA)

I have requested this company to show proof that I owe this debt. I requested in writing on XX/XX/XXXX that Account Adjustment Bureau, Inc or XXXX XXXX XXXX, XXXX furnish a signed legal binding document with my signature and I still have not received any proof from this company that I owe this debt. This account is showing on my credit report 4 different times twice with Account Adjustment Bureau , Inc displaying 2 different amounts. Also, XXXX XXXX XXXX, XXXX displaying 2 different amounts. This information is defaming my character and is deceptive and fraudulent.
Consumer complaint received 2018-05-13
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)

Account was oppened without my knowledge. Ive disputed it multiple times with the credit beuroes. Keeps coming back as " Account was in dispute-now resolved-reported by subscriber ''. Inncorrect reporting for multiple reasons. It's shows on time payments since XXXX ( 6months ) I've only made 1 payment ever last month ( XXXX ). " XXXX XXXX XXXX XXXX has flagged your account as Card Over Limit ''. I made the first payment ever last month to bring the balance down when I called and asked if I should make another payment I was advised not to because it was in dispute. So I didnt, and the following month they charged me interest or something on a closed account that I was told not to pay now the balance is higher than the limit it had. This company has no intention on resolving this they make me jump through hoops and keep me in a negative standing meanwhile. They have never kept me updated but continue to make up stuff on my credit report. Definitely a violation of the FDCPA 807, and the FCRA. Could you please look into this and get it resolved
Consumer complaint received 2018-05-13
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: Rocket Mortgage, LLC (TX)

My wife and I applied for a mortgage refinance with Quicken loans. They made two hard inquires on XX/XX/XXXX and one inquire on XX/XX/XXXX. I talked to Quicken and ask why they made three hard request in two days they could not explain. I ask them to please remove all but one and they said they could not. This affecting my credit score and I would like to get this resolved.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (AZ)

In XXXX my husband made a payment with a live rep over the phone using the same debit card that we have used in the past. My husband is on my discover account. The payment was made on time. The employee entered the payment as a ctc payment which means 3rd party. Our debit card will not except XXXX party payments. We were never informed the payment was not made. When I checked the automated system for discover it showed the payment was made. We didn't find out until the next payment was due. We contacted discover exec XXXX. As of today it's still showing on my credit as 60 to 89 days late.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Ive written to inform Comenity/XXXX XXXX XXXX  and requested a change of status on my credit report for a 30 day late payment for {$70.00} with all credit agencies that was reported to, it was false information due to a mistake made on their part in their system that was explained to me on XX/XX/2022 when I called and spoke with the representative about this matter he explained to me that it showed me being late but that it should not be because I was entered into a program that closed my account in XXXX, 2022 and put me on new scheduled payment arrangements with no interest and a new payment of {$34.00} with the first payment starting in XXXX on the XXXX and my first payment was made on time and that at that moment I was actually current with no payment due until XX/XX/XXXX, I was not made aware of any unpaid balances or past due payments due at the time of closing out with the new payment arrangement, I have always for years made good on my account to avoid any negative reports on my credit, it was explained to me that it was a mistake on their part due to the changes but that it was too late to stop the negative report that had been made but that he would make notations and that I should dispute with the credit agencies and that by my next payment due in XXXX their system would have updated my account and corrected my status from having a past due amount and late over 30 days, Ive been unsuccessful in getting the dispute corrected on my own directly with the credit agencies so Ive written this request directly to ComenityXXXX XXXX XXXX to correct these negative reports on behalf of the information that was provided to me, Ive since then called comenity multiple times and was told that my account was current! I even made payment early for XX/XX/XXXX scheduled payment of {$34.00} and now theyve just recently reported a second 30 day late for the month of XXXX which has been paid and satisfied before the due date of XX/XX/XXXX, so now I have two 30 day late payments for XXXX and XXXX that are incorrect and no one seems to be taking the initiative to correct this matter that has gotten worse from 30 days past due amount of {$70.00} and {$100.00} in XXXX to now another reporting to the credit bureau that Im 30 days late again for XXXX! Before these incorrect negative reports My credit score was over 700, these mistakes made on behalf of ComenityXXXX XXXX XXXX has taken my credit score down to the 500s instead of them correcting the XXXX report somehow they have submitted another negative report for XXXX which is all false reporting That has impacted my status with all credit agencies as negative tremendously
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (TX)

Was showing XXXX account was cancelled. I did not cancel this account. When they close it, it will stay on my credit report for 10 years. I dont want it canceled!!!!!!!! Trying to clean up credit. I DONT WANT THIS ON MY CREDIT
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NC)

I received a letter from Kikoff Lending stating that my account would be closed due to missed payment and reported delinquent. However, upon the agreement terms with the company, it states that if the account is closed and has funds built up in its wallet, the company would use the funds in the wallet to cover the unpaid amount. My account had the funds in the wallet to cover the unpaid amount. 

I reached out to Kikoff support via email on XX/XX/22 to request additional information and they responded stating that no account was located and there was no balance due. 

I received an alert from XXXX today that Kikoff Lending reported my account as " closed, paid. delinquent. '' This company has violated its OWN agreement terms as well as the FCRA reporting guidelines.
Consumer complaint received 2022-07-24
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: NFM, INC (TX)

Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX  children and need this deleted.
Consumer complaint received 2022-03-04
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. (NC)

There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX  , false statements made on behalf of XXXX and fake letters they said they sent.
Consumer complaint received 2022-03-04
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. (FL)

The past 6 months I have been trying to get my credit report fixed as there are multiple inaccuracies on it. XXXX XXXX is reporting serious inaccurate information that is hurting my credit! XXXX XXXX XXXX is listing my account payment status as " PAST DUE 90 DAYS ''! to Transunion and listing my charge account as an open installment loan 120 days late to XXXX! I have told Transunion and XXXX multiple times this is incorrect and the payment status for my XXXX XXXX  needs to be " PAID, CLOSED ''! I have tried contacting XXXX XXXX through mail multiple times to fix this and they are saying its being reporting correctly but its not! This account was paid and closed in XX/XX/2019! 

They are also listing my XXXX charge account as 120 past due multiple times. 
I have sent proof of my bank statements showing I made payments to XXXX XXXX to prove I was making payments during the month they say I was late! 

Transunion/XXXX  and XXXX Bank has failed to correctly investigate my dispute because if they had they would see that my XXXX XXXX charge account is being wrongfully reporting my XXXX XXXX account! The only bureaus they are reporting to correctly is XXXX! 

They need to have my XXXX XXXX charge account status fixed ASAP! It needs to be listed as " PAID, CLOSED '' and the payment status needs to be " PAID AS AGREED '' XXXX XXXX XXXX Transunion/XXXX has still not fixed this inaccuracy and have only made my account status worse. 

I need XXXX XXXX XXXXnd Transunion and XXXX - to update my credit report to the correct information. My XXXX XXXX charge account was paid and closed in XX/XX/2019! PLEASE FIX MY ACCOUNT STATUS AND PAYMENT STATUS AND LIST IT AS " PAID IN FULL, CLOSED ''