davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (VT)

I called American Express on Monday to see why my card was declined, as I had enough funds in the account to cover the transaction. I was informed that because I no longer had the debit card that was linked to the card that they were suspending my account. They said since I could n't verify it was my debit card that was linked they locked the account and there was no way to get it on locked. they also said since they have locked the account, I will not be able to get my money back that I have in the account. I asked them if they can just delete the card from the account, as I could n't do it as they have locked me out of the online account. and they said that they could n't because the account was locked and I was never going to get my money back. I said at this point, I just want to closed the account and have you send me a check for the funds that are in the account, they informed me that they could n't and would n't do that ever.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-19
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 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COVINGTON CREDIT ***** Opened : XX/XX/XXXX Balance {$0.00} Late Close
Consumer complaint received 2017-10-23
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. (NY)

There are XXXX mortgage accounts that are reported to the XXXX credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those XXXX accounts where paid in full and the accounts were closed on XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those XXXX accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the XXXX credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to Transunion, XXXX XXXX XXXX and to this day they keep responding  that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc (TN)

I received a letter from XXXX XXXX XXXX from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to PayPal. Which I do not have any debt owed to PayPal. I know that for a fact. And can prove it.
Consumer complaint received 2022-05-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

The account is XXXX yrs old & inaccurate, I disputed this with XXXX XXXX XXXX, and they removed the account from my credit report, yet Experian continues to report it, the account is too old to be on my credit # XXXX, I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX letter or rebuttal include in files, the Bank explained that I had late pays or delinquencies, up to XX/XX/XXXX, THESE WERE THE FINAL PAYMENTS AND CLEANUP PAYMENT, AS OF XX/XX/XXXX THE LOAN WAS PAID IN FULL AND SHOULD HAVE BEEN CLOSED OUT,, I spoke to the bank and requested a list of loan payments, they reiterated that when they reach XXXX, as they go line by line of each yr of the loan, when they reach XXXX when the loan was paid off, I will have to wait until XXXX or XX/XX/XXXX to have the reported loan removed from my credit report on Experian, as I said prior, XXXX and XXXX removed this XXXX XXXX XXXX XXXX loan from my credit report after disputing the loan as being too old to be on my report, as the loan was opened as per files included on XX/XX/XXXX, both XXXX and XXXX have removed the XXXX bank XXXX  loan after I disputed it with them, but Experian and the XXXX XXXX Bank refuse to remove this until XXXX yrs from the last late charge in XXXX XX/XX/XXXX, the account was paid in full in XX/XX/XXXX, but it is still being reported into XXXX for no legal reason.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-07-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2020 I XXXX XXXX, the consumer, in fact the natural person Pursuant to 15 U.S Code 1602 ( e ), original creditor, lender, attempted to enter into a consumer credit transaction with Wells Fargo using my credit card. 
Pursuant to 15 U.S. Code 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. On XX/XX/2020 Wells Fargo claims they needed proof of closing costs. I inquired about a XXXX I received in which Wells Fargo denies accepting. I am aware that my rights as a federally protected consumer have been violated. Pursuant to 15 U.S. Code 1602 ( o ) I the consumer did not benefit from this transaction. I am the natural person Pursuant to 15 U.S. Code 1602 ( d ) and Pursuant to 15 U.S. Code 1602 ( e ) I the consumer have the credit, which is the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. So I do not see why Wells Fargo wanted to see proof of closing cost. A consumer transaction involves a finance charge, which is the sum of all charges. So down payments of such is a violation of my consumer rights. I XXXX XXXX do not feel secure in my papers. I find that my 4th amendment has been violated as I applied for my credit and haven & # 39 ; t benefited from it. Wells Fargo has performed unreasonable searches on my social security violation Pursuant to 18 U.S. Code 242. Wells Fargo stated they respectfully deny to have the credit inquiry removed, which is a violation of 15 U.S. Code 1681 ( b ) ( 2 ) as I did not give written permission to have this inquiry on my consumer report.

I affirm ( swear ) that my statements are true and correct to the best of my knowledge.
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/2022, I was under the impression that I was hired for a job as a remote XXXX XXXX XXXX for $ XXXX hr.For a company called XXXX XXXX XXXX XXXX I was told that they needed to sent me a check for the all equipment I would need to start the job ; they advised me they would need me to send payments to the vendors for so they can sit up and send the equipment. I deposited the check and they advised to send to XXXX XXXX. I sent two payments one for {$590.00} and one for {$400.00}. They also advised to send via XXXX XXXX XXXX XXXX blocked the payment as fraud. I called USAA to report the fraud incident hoping they would help resolve my case especially since I have been a member for over 20 years. 
When I called I was advised that XXXX transfers are not protected. I offered to send all documents. The rep at USAA advised that since it was a XXXX transfer no evidence is needed. I would like my account corrected and adjusted and the perpetrators be punished for fraud.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX OF MO # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, 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 2022-05-19
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-26
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. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

We reported it as a scam. They said they would look into and there was nothing they could do. The reported it to the other persons bank and said maybe they would do something but they never did and we never heard from them. it was a fake XXXX.
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (GA)

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX   XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX  XXXX XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$1000.00}
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2019, I closed my credit card account with Capital One. On or about XX/XX/2019, a repayment from a deposit for a rental property was transmitted back into the account. Capital One has failed to remit this {$300.00}, plus an additional {$140.00} in rewards cash from the account, to me. The company first asked me to submit a government issued photo ID along with my request ; in response, I sent a photo of my US government issued passport card. Capital One then stated that I needed to submit a photo of my driver 's license ( both front and back ), which I submitted on or about XX/XX/2019. To date, the money owed to me by Capital One has not been remitted to me, even after supplying 2 forms of government issued ID and after numerous phone calls. Capital One is holding onto a total of {$440.00} owed to me. There appears to be no legal basis for this action and there is nothing in the cardholder agreement that allows them to do this.
Consumer complaint received 2022-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXXm being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-04-10
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. (GA)

I have called XXXX XXXX XXXX XXXX several times to resolve this old account. The last time I called them was on XX/XX/XXXX at XXXX am. I was unable to get anyone to help me. The representation that I spoke with was clueless about this account. The representative stated that she would follow up with me but she did not. The account is a time barred account. 

( b ) Legal actions and threats of legal actions prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. 

The Debt has been listed on my consumer report since year XXXX and it was charged off in year XXXX. XXXX XXXX XXXX XXXX continues to ignore my attempt to get this this matter resolved. This time barred account is preventing me from acquiring credit, I have had sleepless nights over this old account and it has hindered me and my family from moving forward in our lives.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit  reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.