davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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. (IN)

I have been sending disputed about my credit report to all CRAs XXXX, Equifax, & XXXX, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off XXXX XXXX - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

Months ago, i sent in a letter to Equifax to validate some accounts that came up on my credit report. I received a response back but their investigation was not thorough at all. They did not show me proof of my debt that they are saying i owe. I gave up for awhile because i was not getting any response back from the bureau. I checked y credit report again today and they have added a tremendous amount of accounts and they have no information for these accounts. All of the accounts have no creditor name, no creditor address, no phone number, nothing. Most of them are also duplicated more than twice on my account. They listed some of them under opened accounts and then relisted them under collections as well. 

Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX COLLECTIONS : Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX Account name ( not listed ) - Account number XXXX These information have been hurting me. I am not able to get a house, ive been denied jobs, and other things i am trying to do to get my life in order. This is very unfair because by law they should be reporting detailed an accurate information. They have failed to do so.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I field a dispute with cash app because {$420.00} was tooking out my account with out my knowledge or authorization they denied my dispute but clearly saw my account was changed to were I couldn't get in I followed ever last step but still did not get any Justice my money was stolen from me
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2022 I spoke with a verified vendor on XXXX regarding purchasing a golf cart. I received the attached invoice for {$1500.00} for the golfcart and {$500.00} additional for the door to door shipping. At the seller 's request I made a payment for {$1000.00} via credit card and another {$1000.00} via zelle. I received what I thought was tracing information from a website that appeared to work. 4 days later the item supposedly reached customs in the USA and I was told the shipper needed an additional {$2900.00} for an insurance fee that was refundable. I paid another {$2900.00} via zelle. The following day I was told it would be another {$4000.00} for a HMF fee ( also fully refundable ). I told the seller that wasn't possible, and they offered to split it with me at {$2000.00}. I then sent a XXXX for {$2000.00}. The following day I am told it will be {$1500.00} for the shipping, however the " tracking website '' now shows released and out for delivery. I told the seller I felt this was a scam and asked for photos of the golf cart as well as the port it was located in and stated I'd go pick up myself. The seller said photos and pick up were not possible and I'd now be charged storage fees. This is all documented on XXXX, however they are not assisting in getting my zelle funds back from their " verified seller ''. All items are documented attached. I filed a dispute with my banks regarding the zelle payments and they have said they also can't assist. The shipping company doesn't appear to exist, they have no phone number and the email address doesn't receive a reply.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

On XX/XX/2019 Carrington Mortgage called my wife at work " needing to talk to her about our loan ''. After a lengthy back and forth with the company she came to realize they were just calling to have us make our monthly payment sooner. As per our loan agreement, payments are due on the first but not late until the 15. We are not delinquent in our payments and make our payment on or before the 15 via electronic payment EVERY month. They called acting like we were behind on our payments and asked if we would " like to make arrangements to pay on the first ''. We have had loans serviced by multiple companies and have never had them call us asking to make payments sooner than our loan agreement states and this includes Carrington as they have serviced our loan for many years now. We made our payment as usual but this time it " failed to process '' on time and coincidentally were charged a late fee for the first time in years ( only 1 time in 10 years did we have a late fee which was legitimate ). We called customer service and they reversed the charge and processed our payment over the phone on XX/XX/XXXX assuring us this wouldn't happen again. 
Today, XX/XX/2019 we got a call from Carrington at XXXX XXXX  asking us to verify our loan info. When we refused until we knew what the call was about the caller said that was against policy until they could verify our identity. We asked to speak to a manager and were also told that that was against policy and we were unable to get more info on what the call was about. Concerned that this was a scam we called the company back and they verified they had called us again wanting to " make arrangements for payment '' of our loan still not late for 10 more days. We told them directly to take us off their call list and not contact us unless there was a problem or emergency with our account. We have never had harassing calls from a creditor when we were NOT delinquent in payments and this seems to be a new practice for Carrington as of XX/XX/2019. Our loan agreement is fixed and has not changed so we would like them to respect the terms of our agreement without complaint as long as we continue to do our part. Thank you.
Consumer complaint received 2019-01-30
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2022-08-29
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-01-30
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. (CA)

Please know that I was not late on XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-01-30
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. (TX)

There is hard inquiries on my credit report twice for the same company, XXXX XXXX XXXX for XX/XX/2018 and XX/XX/2018. When I call the company, they state my credit was only pulled once. When I disputed the second inquiry with XXXX, they did not remove it. I applied for internet service on XX/XX/2018. I authorized my credit to be pulled one time to assure my creditworthiness to XXXX XXXX XXXX for a new account. There would be absolutely no reason for them to pull my credit a second time the very next day. This needs to be corrected immediately. Since I have contact both the company and the credit reporting agency already, I am at a loss as to how to get this error removed.
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (CA)

The company calls consistently from various numbers and never gives any information as to the nature of the call. Each representative says that in order to release any information about the call, I had to provide all of my sensitive information including social security and annual income. They also refer to the call as a " personal matter ''. 

When I tried calling the number listed on my credit report and also listed on their website, it goes straight to voicemail and no one has returned my calls. 

I have never received any written notice about this collection account and they were never able to validate the debt.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are..The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report 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 ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

I have been a customer for 2+ years with American Express and have had a perfect payment history, and as of today my credit score is close to XXXX. I'm having a issue getting a credit line increase which makes no sense. The only customer support you can get is via a rep in XXXX, I would like a US agent to deal with this because it's not making any sense what's so ever why with a a close to XXXX credit score and a perfect payment history why am I having a hard time getting a credit line increase. I want a US based review of my account instead of when I call I get people not in this coutry who I can barely understand and it makes no sense.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I settled a closed capital one credit card account with a collection agency. Capital one informed me that even though their collection agency collected and agreed to a settlement on their behalf, they would not update the closed tradeline to a XXXX  balance or settled for less than the original balance. They have updated the payment but have not cancelled the remaining debt and part of the settlement. Please help.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

In accordance with the fair credit Reporting act Discover Bank Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I am having some difficulties obtaining information regarding my 3 Capital One credit cards in " restricted status ''. 

I contacted the Capital One call center on XX/XX/2019 - the offshore representative said she would not obtain any details since it was with the Fraud Department but I was going to need to provide 3 documents for them to review. I was not willing to provide documents without more insight into what was happening or the issue being investigated. I asked to be transferred if a Supervisor but after waiting on hold for over 8 minutes -- I disconnected the call. 

I contacted the Capital One call center on XX/XX/2019 - I was routed through the auto-dialer to the Fraud Department. The representative was polite but unable to give me any detailed information about the status of my accounts. He explained I would need to provide a picture of my Oregon Driver 's License via a secure email link. Upon review, I would receive a phone call advising on the status of my accounts. I received the email, took 4 pictures of my ODL, and attached to the secured link and received a confirmation message indicating the transmission was successful. 

I contacted the Capital One call center on XX/XX/2019 - I was routed through the auto-dialer to the Fraud Department ( XXXX  ). I voiced my frustration about not receiving any status on the review nor a call as indicated by the XX/XX/2019 rep. XXXX advised no documents were received and provided a little more detail into possibilities of someone else attempting to retrieve or access my account. He did not or could not provide specifics. He sent me a new link to provide my documents and waiting on the call with me to confirm receipt. He was not able to confirm receipt since the documents again were not received. He was going to consult another party to confirm if there was a technical issue to explain why my documents were not being received. Then, the call disconnected. 

I can not begin to express to you how perplexing, concerning, and frustrating this has become to me as a long-standing Capital One customer. I may not have thousands of dollars of CC activity each year but I am definitely a customer who pays their bills and is paying monthly interest on my credit cards. I NEED someone to explain to me the specifics of the current restricted status of my accounts. I NEED someone to confirm receipt of my previous 2 submissions. I do not think it is too much to ask especially since it is MY personal information Capital One is requesting and asking me to compile without giving me any details. It is an odd way to do business and definitely lacks transparency. 

I noticed the restricted message on my Capital One mobile app when I was checking the status of my autopay. There has been no verbal or written outreach by Capital One to me to advise or inform about the status of my account either.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

I am not liable for this debt with Credit Management LP, XXXX XXXX XXXX XXXX XXXX, TX XXXX. They did not provide me with the original application or contract bearing my signature like I asked. Therefore, they are unlawfully reporting this debt under my name to the credit reporting agencies.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX RE : CFPB Complaint # XXXX Experian Report # : XXXX Acct : XXXX XXXX XXXX Dear Experian, In response to a CFPB complaint, I filed XX/XX/XXXX. XXXX Lets being by stating first that as a CRA it is your duty to report accurate and verifiable information. Experian has failed to do so, on more than 5 occasions on this account alone. Its beginning to look very obvious that you either incapable or unwilling to do just that. 

Per FCRA information that can not be verified must be deleted this is the 5th time you have verified this account as accurate and updated and it still is not. If this account gets updated and verified as accurate ( 1 ) more time I will be seeking litigation for FCRA violations. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Furthermore, this reinvestigation has still failed to : - Yield me any verifiable proof of you procedures or how you verified this account. 
- You have even failed to give me a name, number, time and date of person who has verified this account. 
- XXXX XXXX is not a verifiable person nor should it be used for these situations per FCRA. 
- You even report late payments on this account without giving me proof of how you verified these late payments - Once again, for the 5th time you verified and updated information, which is wrong and can be proven to be wrong instead of just removing this unverifiable account like requested 2 months ago. 
If you can follow along with the simple instructions, I am giving to you. Please look at page 2
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (SC)

I was off in college. I just found out my mother got a credit card in my name. I seriously had no knowledge of this account. I never personally used the credit card. It really ruined my chances if as to ever getting one with Discover. Im stuck in a bad place, they keep telling me to make a police report on my mother. But how could I do something like that to my mother? I understand that shed done it to me but evidently Im her child. Although I still should not have to suffer from anything like that being done. It is fraud because she used my social but I dont want to get my mom in trouble but I really need to resolve this issue :
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (DE)

I want to start off by saying this is a awesome travel card if it wasnt for all the hoops and hurdles that you had to jump through. This all started out when I asked for a credit line increase I was told in a letter that I was approved for the increase about a week later looking on my account they had taken it back. Ok why I asked? After taking a hit on my credit report ( Hard inquiry ). No one could tell me why. So I after calling back several times someone finally told me that they didnt know why, It shows that I was approved but it didnt show why the decrease happened. but if I wanted to they could run my credit again. For another hit to my credit report ( HARD INQUIRY ) .... Just wanted to hear you right Ive been with this company for a while now, you can see that I pay this bill on time every month. so instead of you basing it ( Credit Increase ) on that alone you want to pull my credit again??? I would of been ok with not approving me but to approve and then unpprove me is wrong no call no email nothing come on CHASE This is unfair to not only me but to all consumers/customers