davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
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. (TX)

ID FOR XXXX XXXX-XXXX ID FOR EQUIFAX - XXXX-XXXX Folling my initial complaint to XXXX re predatory interest rates in XX/XX/XXXX, and as previously confirmed by XXXX through CPFB, this account never went in to collection, Instead they engaged in coordinated harassment by phone and on site. 

Since complaints to Equifax and to CFPB above on XX/XX/XXXX, XXXX reported erroneously to XXXX ( no change as of now to score XXXX ) : Payment after charge off/collection Settled - less than full balance With Equifax, in Mid-XXXX XXXX reported late payments in XXXX and XXXX of XXXX, which caused my credit score to drop 24 points from Excellent to Good. Following the above CFPB complaint, a remark was added regarding late payments and collection, but it has subsequently been removed. This morning, I was just notified by XXXX XXXX that a negative remark has been added to my Equifax report, and my score dropped another 45 points to XXXX ( Fair ). 

When I review XXXX closed account in Equifax, the calendar showing late payments and their latest remark had been removed. 

The notice on XXXX XXXX states Between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your credit report ( although it is still showing as a closed account on XXXX XXXX  ). The remark on the Equifax Closed Account says " Consumer disputes - reinvestigation in process. '' Since XXXX has been adding negative remarks on an account closed equitably in XX/XX/XXXX, I have to question whether there is tacit or explicit collusion between XXXX and Equifax. I expect and request Equifax ( and XXXX ) to report the XXXX loan as as indicated on XX/XX/XXXX, and since, with no additional remarks, and restore my credit rating prior to predatory and retaliatory actions by XXXX in XX/XX/XXXX. Equifax has corrected prior erroneous reporting by XXXX since XX/XX/XXXX. Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! XXXXThey keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX Balance {$4400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$260.00} Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$1600.00} Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2018-12-19
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: PENTAGON FEDERAL CREDIT UNION (CA)

I have an unauthorized hard credit inquiry from Pentagon FCU appearing on my XXXX  credit report. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Pentagon FCU to run my credit due to having already secured financing through my own credit union. 

I am requesting that Pentagon FCU remove the hard credit inquiry from my XXXX credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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 2019-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

COMPANY : XXXX XXXX XXXX XXXX. 

On XX/XX/2019 our Business account XXXX was limited by Paypal after being a loyal customer for 10 years. The limitation meant that all funds were blocked. We could not send payments, withdraw or make any changes. We could only receive money. 

Paypal provided NO warning about this. They simply limited our account. When we logged in to see we noticed a warning with a request to provide them additional information about our company and the individual using this account. We promptly provided the information requested. 

The next day we received an email from their Compliance saying that some of the information could not be accepted. We reviewed this and found the correct documents and we then provided the correct information on Wednesday XX/XX/2019 after which their system said that we would be updated in 2-3 business days. Its been 9 days since we provided this information and we have not received any follow-up or any kind of help following numerous emails sent to XXXX and phone calls we made to Paypal support. 

When we call Paypal support they confirm they have the information but that they just tell us they can not do anything as it is only the Compliance dept that can do something, but the Compliance Dept does not take any phone calls! How can settle this? We have tried to-do this amicably and using all normal routes but we get no help from anyone. Its extremely frustrating. We get no replies to our emails and no follow-up from anyone. 

Our funds have been held hostage by Paypal for 12 days now. This is unacceptable.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Information Bureau, Inc. (RI)

I have a collection on my credit report for a debt owed to XXXX XXXX XXXX in the amount of {$1000.00} dated XX/XX/2018 that is not mine. I have called XXXX, in fact, I have been there three times in the last two months for other reasons and have made sure that I DO NOT OWE XXXX ANY MONEY. I initiated a dispute online and the " results '' i receive are " account is confirmed as accurate ''. I don't know what this means or what was done, but I asked for documents to show what they are attempting to collect. I have clearly stated that I do not have any dates of service on XX/XX/18 and XXXX is telling me I owe them no money. How can this be reported as accurate if they can not show me what they are trying to collect? Please help me out.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NH)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
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: SANTANDER HOLDINGS USA, INC. (DE)

According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not XXXX this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.
Consumer complaint received 2019-03-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

When I opened this account I advised that I can not receive calls at work. On XX/XX/XXXX XXXX left a voicemail while I was working on my cell phone then ten minutes later called my job. I called on my break an hour later it was confirmed that my employer number was on a do not call list and it wasnt going to happen again. Today XX/XX/XXXX XXXX does the same thing in the morning calls my cell then job. I call and ask at XXXX for a way to send something in writing because I can get fired and this will be the third occurrence of being called at work just for them to say its notated not to call and they dont know why XXXX called, they refused to help any further just saying they will re document the account. This has been such an unprofessional experience I feel like Im being harassed.
Consumer complaint received 2018-09-11
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to Chexsystems and XXXX, a consumer reporting agency. 

The following false information was sent to Chexsystems and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with Chexsystems and XXXX on XX/XX/2017 ; however, XXXX XXXX  XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXXXXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to Chexsystems and XXXX XXXX Consumer Serivces. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-09-11
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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC (MD)

To whom it may concern : This is a formal notice of dispute regarding information that XXXX XXXXXXXX XXXX sent to XXXX and EWS, a consumer reporting agency. 

The following false information was sent to XXXX and EWS : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.

This information was disputed with XXXX and EWS on XX/XX/2017 ; however, XXXX XXXXXXXX XXXX verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 

XXXX XXXX XXXX reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

XXXX XXXX XXXX did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and Early Warning Consumer Serivces. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Paragon Credit Services (AZ)

XXXX XXXX XXXX XXXX XXXX has engaged in the following against me and my wife. 

1. Consumer Fraud : Company stated they would repair credit by deleting derrogatories from credit file. The company charged me thousands of dollars which we paid. Our credit got worse not better.

2. Fraudulent Marketing : Company provided misleading statements related to credit repair and also provided false claims related to being able to not owe any money if not satisfied. Company lies to Veterans to get them to sign up for this fraudulent service.

3. Lying to CFPB : Paragon claims that they won in the Arizona Attorney General Office. The fact is paragon never won anything. I filed a complaint against paragon with the Arizona attorney general 's office for fraud and consumer scamming. I actually won against paragon and now they are lying to CFPB. Myself nor my wife owe this company a dime.

4. Deceptive and harassing communication : This company bullies consumers by sending threatening emails and phone calls. The paragon owner is a complete fraud who preys upon consumers who are trying to fix their credit. Instead Paragon doesn't fix credit, and lies, and charges consumers for services not rendered.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2018 I was alerted to fraud in connection to what turned out to be an authorized clone of my American Express Serve Card, resulting in two unauthorized and fraudulent charges in the amounts of {$100.00} at XXXX XXXX  Store XXXX on XXXX XXXX XXXX, XXXX XXXX and the other, {$90.00} at XXXX XXXX # XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX and yet another in XXXX for a parking meter, in the amount of XXXX. 
I immediately contacted Amex Serve who told me they could only complete the dispute after the charges were out of pending. They also cancelled my subject card upon my request. 

On XX/XX/2018, the dispute department processed the fraudulent charges upon those charges released from pending status. 

On or about XX/XX/2018 I received, completed and submitted a Declaration of Fraud via email. 

Since then I have spent several hours calling and getting nothing but a run around from the dispute department located in some 3rd world country who only repeats keep an eye out for an email, the investigation is ongoing and we can not issue a credit. 'We have 45 days. 
They also have told me they do not have my money, that XXXX XXXX and XXXX XXXX do, get it from them. 

They have lied that they are actively investigating, evidenced by my conversation today from both XXXX XXXX and XXXX XXXX, that the Amex Serve dispute department has NOT submitted any dispute documents at all since the dispute was noted as received.

It is obvious that I am now being defrauded yet again, by American Express Serve Service as issued and run by American Express Travel Related Services Company , Inc . 

Today, XX/XX/18, I faxed letters to XXXX XXXX VP at American ExpressServe serviced and issued by American Express Travel Co Inc. and to the General  Counsel and CEO of Rite Aid, and faxed letter to XXXX XXXX Corporate. 

I contacted the XXXX precinct for direction on filing a report, and was advised to do this in NJ, where I reside. I will be filing that report in the township where it is believed the fraudulent clone took place. 

it appears that American Express SErve has no intention of doing anything to facilitate the return of my approximately {$200.00}. 

Also, the transaction dates showing on Amex Serve are false, all three fraudulent transactions occurred on XX/XX/2018. 



XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for a Kohls credit card. The first time I did I didnt get it. So I called them they said that they would send another one. Didnt receive it either. But it shows on my credit. It hasnt been used as far as I know. I want this canceled and off my credit.
Consumer complaint received 2018-09-11
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To whom it may concern : This is a formal notice of dispute regarding information that Bank of America sent to XXXX and XXXX, a consumer reporting agency. 

The following false information was sent to XXXX and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with XXXX and XXXX on XX/XX/2017 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately.

Bank of America reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account.

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and XXXX XXXX XXXX XXXX. 



Sincerely, XXXX XXXX