davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (DE)

According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report. 

The following Inquiries are in violation of the FCRA and FDCPA. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax 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 Equifax 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 2019-07-02
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. (NY)

I have an account reporting with XXXX XXXX XXXX XXXX I sent in a request to XXXX & Equifax to investigate the data reporting because I saw some inconsistencies between them. They both claim to have done a proper investigation yet it isn't possible to have two different last active dates on the same account.
Consumer complaint received 2024-03-27
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

dispute case : XXXX On XX/XX/2023 i purchase some sneakers in the amount of {$950.00} USD from the merchant XXXX i recieved my package on XX/XX/XXXX and opened it to find out that i recieved the wrong item. i immediately contacted the merchant to send back the item so i can get the one i had originally ordered. The merchant never replied and said in there emails it was due to a long volume of messages which in my assumption are similar to my case. Once i waited enough time i had filed a dispute with XXXX  to retrieve my funds, i have never filed a dispute and thought it would be simple. however my dispute was denied for no reason as they failed to take my evidence despite me seeking assurances that they will ( will provide photos of conversations with customer support agent ) the proof i sent is all the information they need ti know that i recieved the wrong items the response from the merchant failed to acknowledge the different item and im pretty sure was not reviewed by a person because this is evidently clear that the merchant was at fault and failed to reply. i ordered a pair of XXXX XXXX XXXX in size XXXX and recieved a pair of XXXX XXXX XXXX XXXX  sneakers in a completely different size ( XXXX ) i will be attaching photos of the item i recieved the email i would send to the merchant, confirmation wmail as well as chats with the goldman sachs XXXX. This dispute process is highly flawed 1. they never requested any evidence i had to reach out and ask if they can take it and if they will because this is a costly amount for me. 2. when i did submit the evidence i seeked assurances that they would take it and they didnt. 3. i tried to appeal and theyre requesting information unrelated to my dispute asking for a 3rd partys opinion on the services performed which gives me the sense that this isnt anyone reviewing my case and its being automatically denied. I was never asked for any evidence the first time around and got denied and now that im appealing it are asking for information unrelated to my dispute. this is a product i ordered how can a 3rd party review it. nevertheless i submitted everything i need to and am asking assistance to get in contact with the right people so they can review it and see that i am not at fault because this is a very costly item for me. I kindly ask the decision be over turned and the evidence be considered thank you for your help, XXXX XXXX
Consumer complaint received 2019-07-02
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.
Consumer complaint received 2019-07-02
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. (GA)

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX.XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Consumer complaint received 2019-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have called and faxed to TransUnion explaining that I am a victim of Identity theft but they continue to report these accounts after receiving proof that these accounts do not belong to me. I have faxed my ID, social security card, police report & identity theft report for these things listed on my report. I want these items deleted from my report for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX XXXX. I have told you that I never lived at two addresses that I asked to be removed and it not on my drivers license nor have I lived there ever XXXX XXXX XXXX & XXXX XXXX XXXX .
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO. (FL)

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX claiming I owe a balance with Chase Manhattan Bank. I explained to XXXX XXXX XXXX representative named XXXX XXXX that my credit information with Chase Bank shows XXXX  accounts in collection. XXXX XXXX told me that XXXX XXXX XXXX had the balance from Chase Manhattan Bank since XXXX. As of last Friday, XX/XX/XXXX Chase Bank has informed me I am " already approved '' for some of their credit card products. 

I informed XXXX XXXX that I requested previous bank statement copies to go over accounts I've paid off. XXXX told me I had until Monday XX/XX/XXXX to make a payment. XXXX also eluded that it gets worse if I dont resolve because it has happened to him. I asked XXXX to please be reasonable and allow the statements to arrive by mail. My checking account statements are not available online because I have closed my checking account months ago ( customer request ). 

XXXX refused to provide his operator number when asked to do so. I asked for a manager to speak with and/or their operator number. XXXX refused. I mentioned to XXXX standard recurring invoices or bills give around 25-30 days for repayment. I asked XXXX for 30 days so I could have time to receive past statement copies and perform due diligence. XXXX denied my Goodfaith attempt to try to validate or deny this questionable debt. 

I visited XXXX because XXXX XXXX XXXX is registered in the state of Florida. How could XXXX XXXX  XXXX have information from XXXX, when they weren't even doing business in Florida until XXXX? This caused alarm. I then contacted XXXX via phone ( XXXX ) and received verbal confirmation of this as well. 

I spoke with Florida Department of Agriculture and Consumer Services ( XXXX ), as well as the Federal Trade Commision ( XXXX ) to alert them. I called XXXX XXXX XXXX back. I asked XXXX how long he has been employed with XXXX XXXX XXXX, and XXXX told me " don't worry about it ''. As I was re-confirming the date/year of the questionable debt, XXXX XXXX raised his voice and started yelling at me in an abusive unprofessional way. This also raised a concern with me. I requested to XXXX that he not yell. 

I also asked XXXX which family of Chase card products does the debt belong to. I also asked for transaction history, or an agreement showing I entered into a credit card contract. XXXX could not, and did not provide those details. I pulled a free annual credit report from all three credit reporting agencies. They also show all of my accounts have been paid with XXXX balances and nothing in collections. I am filing a complaint against XXXX XXXX XXXX because of deceptive, abusive, and false tactics. I do not owe a balance with Chase Manhattan Bank per Chase Bank employee XXXX located at the XXXX, FL branch. This was also reconfirmed by Chase Bank collections representative XXXX operator # XXXX ( at XXXX ).
Consumer complaint received 2019-07-02
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)

I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( XXXX, experian, & XXXX   ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.
Consumer complaint received 2019-07-02
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. (TX)

I have unfortunately been a victim of identity theft. Various accounts were open using my personal information that I had no knowledge of. On XX/XX/2019 I reached out to each bureau ( TransUnion, XXXX, & XXXX ) with information including notarized fraud affidavit, detailed list of fraudulent accounts, police report as well as providing a copy of my social security card and copy of ID. The bureaus response was they would not be further investigating the accounts and nothing was removed from my credit report.
Consumer complaint received 2019-07-02
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. (WA)

Equifax ; XXXX and XXXX are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

About 6 months ago, I was charged a fee for depositing money and Chase claimed the check couldnt be found and that wasnt true. Sometime in XXXX, XXXX charged me XXXX dallors and I explained to chase it was unauthorized till this day I dont know if my money was returned to me. Today, XXXX drafted money through debit from my account when I was insufficient and Chase allowed the company to debit funds when I had none available. I disputed the incidents only to have them close my account. I'm sick of them mysteriously allowing companies to take from my account when my funds are low. I believe they are in partnership to take from people when they are insufficient.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was sent a credit card by Capitol One, that I did not apply for. They also checked my credit without my approval. I attempted to call Capitol One and they would not take action without me providing even more personal information to them. I want the account closed, my info removed, and the credit check removed.
Consumer complaint received 2019-07-02
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. (WA)

XXXX ; Experian and XXXX  are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Currently have a security freeze on my Equifax report due to past fraudulent activity. Between XXXX XXXX, 2019 and XXXX XXXX, 2019, I have had six hard inquires that were not authorized nor notified by the companies that this inquiry was taking place. 

On XXXX XXXX, 2019 after being notified that these inquires had taken place, I contact Equifax by telephone and talked to XXXX ( customer service representative ). This person could hardly speak English and begin to ask verification questions which were all answered correctly. At this time, he refused to help me and was told that I had to contact all the companies. 

This is why I have a security freeze on my Equifax credit report so that these types of issues do not happen and yet it still happens.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

I have an account with Experian Credit Bureau : Member ID XXXX XXXX XXXX XXXX My name on the account is XXXX XXXX XXXX and I am trying to cancel my account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks uo. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hey My Name Is XXXX XXXX and Im just trying to figure out whats the best thing to do. Ive been in XXXX  XXXX for the pass 7 years with no way to access my social security card nor the number. Last year I tried to apply to College and I had to complete the FAFSA application in order to meet the requirements for other loans that XXXX XXXX had to offer. I couldnt even get pass my account to work because Financial aid thought something was going on. I talk to a lady at XXXX XXXX and all they want to do is for you pay. I dont think its fair for me to pay for something I didnt put on my credit.