davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX -. 

INQUIRY - XX/XX/XXXX -. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX/XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - XXXX XXXX, XXXX, and Equifax have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (VA)

A Genesis FS Card was opened on XX/XX/2022 under my information, however I did not open this account. The card has a balance of {$1500.00}. I have contacted Genesis to report it fraud. I have also reported identity thief with the police dept.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MS)

XXXX RMP XXXX contacted me about a {$1900.00} debt I owed. The XXXX on the phone offered to settle the debt for 40 % or {$770.00}. I accepted the settlement and paid the {$770.00}. I was advised that the debt was considered paid in full and a file would be sent to the credit bureaus advising as such and that I would see this updated in my credit by end of XXXX. On XX/XX/XXXX, an agent from XXXX services contacted me and advised I still owed {$1100.00} on the account. Once I challenged this, he got a XXXX XXXX  that explained that the previous XXXX had mad a mistake and that they could only settle for 50 % and thus I still owed {$190.00}. I stated that i was advised the debt was settled on the previous call and thus I was not responsible for the error on their pet. This was escalated to XXXX XXXX who is the division XXXX. XXXX again explained that agent had made a math error and I still owed {$190.00}. I explained that I did not owe this amount as I had paid and advised the debt was paid in full on the XX/XX/XXXX call. XXXX advised that he understood but they couldnt accept that and the debt would remain. I advised that I would have to look into options to protect myself as I felt this was collecting a debt twice and using a deceptive practice to collect addition money that I didnt owe. XXXX said I could do that and the company may decide to just refund my payment and request the full {$1900.00} debt. I told XXXX I felt like this was a threat in order to get me to pay the addition XXXX. He said it wasnt but that he was advising what could happen. Call ended as XXXX said he would have the XXXX of the XXXX  call me.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX a charge was allowed to be made to My credit card company when the names did not match and nor has a charge of that dollar amount have EVER been Made in the XXXX yrs that Ive been a customer of capital one. I disputed the charge and capital one is backing the merchant instead of my their customer. Ive tried to no avail to resolve this matter and I NEED assistance ASAP please?
Consumer complaint received 2021-12-15
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. (MO)

I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting my life and how I do things please look into this matter and remove immediately
Consumer complaint received 2021-12-15
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. (MO)

I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX please look into this matter and remove immediately
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (UT)

I got a complaint for old debt in 2018. I never got any collection letters at my current address. however was presented with summons at my house. I tried to called Jefferson capital and XXXX XXXX to pay this debt and get a settlement. I called and the number provided in the summons kept telling me the department is not there. Waited on hold multiple times to get disconnected. Representative are not knowledgeable or aware of this. No resolution. I even sent an email to XXXX XXXX with a response of asking for my number which I provided. 
I also called on XX/XX/XXXX to be on hold asking for my information and then getting disconnected. This is not an excuse or a way to collect debt being inhuman.
Consumer complaint received 2023-01-13
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX 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 2022-03-28
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. (MD)

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 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2018 XXXX  ran another Hard Inquiry on my credit report without my permission for the thrid time. I went to the doctor office to schedule my dental procedure then received a alert stating they made a hard inquiry. 

I call there number provided XXXX and asked why did they submit another inquiry accessing my credit report without permission. I was transferred to four different departments and was told since I couldn't prove it was them that made the inquiry I have to file with Transunion. This is Four Hard Inquiries from the same bank in two months that they claim it's not there doing so I'm left with a rapidly dropping credit score do to them breaking the law and violating my consumer rights. I want proof you had permission to continuously run my credit and Transunion to allow without stating the reason it was checked. This is such XXXX! So know here I am filling another dispute! 

Sincerely XXXX off and tired of constantly filling complaints about these two companies. This is ridiculous!
Consumer complaint received 2022-03-28
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: AMERICAN EXPRESS COMPANY (NY)

i sent a few disputes regarding an account that isn't mine its been well past 2 months now and i have not gotten any communication or results. saying this account is mine.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/XXXX, I moved from a apartment complex called XXXX XXXX. Upon moving out I was advised I owed XXXX dollars. Two years later approximately I received an alert from XXXX XXXX, advising me I had a collection item on my credit upon research I found FCO had put a collection item on my report. I immediately contacted both the leasing office and apartment complex to find out why I the debt was not communicated with me as per my consumer rights. No answer was given, instead I was told if i paid {$150.00} it would be removed. I obliged due to the amount and as I wanted the item removed. I am sad to say its XX/XX/XXXX and up to todays date FCO has not removed the item as their previous rep advised me ; and I am being denied credit due to this delinquency. Which lenders are citing as a reason to deny me.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

My account was suspended on XX/XX/2022 due to suspicious activity. My account had {$12000.00}. The suspicious activity being gambling and withdrawing/depositing often from the same apps. This past year and a half I have been sports betting. I went on a very lucky fortunate run to make a good amount of money. The bank has asked me for identification which I provided. After this, they asked for an explanation of the funds that fund my gambling. I deposit and withdraw often from the same apps. I funded my gambling through the previous years of financial aid and work study I received from XXXX in XXXX. I gained near {$8000.00} from financial aid services and work study. I saved this money and used it for sports betting. Chime continues to ask for a source of income from the year 2022 but there is no source of income. I havent worked. My source of income has been sports betting. I used the {$8000.00} to make nearly {$40000.00} within a year. I used the money I saved from XXXX to go on a run of sports betting. I live in New Jersey where sports betting is legal. Ive showed them all the documents from my financial aid to show proof of how much I received. Also I live with my parents so I dont have any bills which is why I was able to save my financial aid and work study from previous years. I feel stuck in what to do next because the company keeps on asking for a source of income which isnt available. The source was my financial aid which they arent accepting as an answer.I worked hard for this and they are taking away my {$12000.00}. Ive showed them my sports betting winnings and account to show proof of how much Ive won this year. 

The bank closed my account on XX/XX/XXXX after I gave them an explanation of my funds. Chime also continues to ask me about a {$20000.00} withdrawal that I processed to XXXX XXXX XXXX. I opened an XXXX XXXXXXXX XXXX for protection and because XXXX has the best return rates in the country. I provided them with this answer and they keep on asking me the same question regarding why I withdrew {$20000.00}. I dont know what to do at this point. Chime isnt providing me with answers on what to do when Ive answered all their questions the past 3 months. They continue to ask the same questions even after the closure of the account and they have no good reason to keep my hard worked money.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX SS XXXX My privacy has been violated according to 15 usc 1681 sec 602 a of the FCRA Transunion a credit reporting agency shared my consumer report on XX/XX/XXXX with XXXX XXXX a collection agency, on XX/XX/XXXX shared My report with XXXX XXXX XXXX a collection agency and on XX/XX/XXXX shared My consumer report with XXXX XXXX XXXX a collection agency, without my Permission, Authorization, Consent 15 usc 1681 section 604 Permissible Purpose there was no reason under the law FCRA for an inquiry from these Companies to be on my consumer report inquiry section soft inquiry are against the law as well.
Consumer complaint received 2022-10-12
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-15
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. (NY)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2018-12-21
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 (MN)

THE NUMBER SHOWS UP XXXX LEAVES MESSAGE TO CALL XXXX TO DISCUSS FURTHER DETAIL DOESNT SAY WHO THEY ARE CALLING FOR AND GIVE THE SECOND NUMBER TO CALL BACK DONT MENTION WHO THEY ARE I BLOCKED THE XXXX NUMBER BUT THEY STILL LEAVE A RECORDED VOICE MAIL FROM THE XXXX FROM WHAT IS XXXX AND WHAT MANY OTHER PEOPLE PUT FOR THE SAME NUMBER COMES UP AS CAPITAL ONE AND SCAM
Consumer complaint received 2021-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I did a tour of a XXXX property on XX/XX/2021. After touring the property I came home to several notices that a credit card had been opened in my name. I never authorized a credit card with Comenity Bank. I contacted Comenity Bank to advise them of the same. Comenity stated that the account had a {$0.00} balance and my understanding is that they would close the credit account. I then received a bill in XXXX for a transaction dated XX/XX/2021. I contacted the bank, Comenity and advised that we did not complete a transaction on this date. Comenity refused to allow me to dispute the transaction. I had requested several times to dispute the transaction and it was not until I recited federal credit laws and argued with a supervisor that I was able to dispute the transaction. 

The response from the dispute was received and stated that I was liable for this transaction. But provided me with documentation for a transaction dated XX/XX/2021 with XXXX but no credit application with Comenity. The credit card statement still reflected a transaction date of XX/XX/2021. This is not in fact what occurred. I have been trying to get Comenity Bank to remove the transaction according to the regulations. Our disputes with Commenity are that we never received the goods ( ie timeshare points which is a separate legal issue ), we never applied with a credit account with Comenity, the transaction date is incorrect, and incorrect spelling of my name. I am looking for resolution from Commenity Bank as they have placed us in a delinquent status as this has not been resolved.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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