davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a Menards Big card to receive 0 % financing on a purchase I made on XX/XX/XXXX. I made the purchase and selected 0 % for 12 months on my order. When I received the bill from capital one I was unsure if the promotional financing applied because it wasnt clear. I contacted capital one on XX/XX/XXXX and they submitted a request. They said it would take 10 days to process. I asked what I should do in the meantime because I needed to make a payment on XX/XX/XXXX. I was told I should at least make the minimum payment which I did. After making the payment I received notice that my request was denied. I contacted capital one again and was told they would process another request and requested I contact Menards. I filled out a request online for Menards and they gave me info to contact capital one. I then called Menards XXXX Michigan location on XX/XX/XXXX and talked to the front manager XXXX or XXXX. They got all of my information and told me they would call me back by XX/XX/XXXX. This never happened and I have been unable to get ahold of them. I can not find other contact information from Menards and I have not received further communication from Capital one. As a result of this I have received finance charges over 2 months for what I though was the 0 % special financing that I selected on my order. To add to the confusion if I hadnt selected 0 % financing I was to receive an additional rebate instead. When I questioned capital one about this on XX/XX/XXXX I somehow received notice within 2 hours of the conversation that I was getting a rebate.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The information far as my name and address that is reporting on my credit report is incorrect. My name is XXXX XXXX XXXX address XXXX XXXX XXXXXXXX XXXX del XXXX everything else on there is incorrect
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address
Consumer complaint received 2023-03-16
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. (KS)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX : {$17000.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX XXXX is STILL inaccurately reporting account information on my credit report. 
Under 15 USC 1681 ( a ) ( i ) I have the right to have erroneous, inaccurate information deleted from my credit report! 

On my XXXX report dated XX/XX/23 Santander has the account as charged off. 
Then they should not be reporting an open balance. As you can see from my paperwork presented to you there is an open balance of {$8000.00}! 

SECONDLY, THEY HAVE A CHARGE OFF AMOUNT LISTED AS {$8900.00}. THIS IS DIFFERENT THAN THEIR OWN BALANCE AMOUNT OF {$8000.00}! 

This account needs to be deleted from my credit report! 
I have contacted them several times. But no results have come from these communications!
Consumer complaint received 2020-11-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & R Collection Service, Inc. (DC)

On XX/XX/XXXX XXXX I was contract by text message from number XXXX with message : '' ETA Scheduled for XX/XX/XXXX between XXXX XXXX XXXX. Please accept documenta at XXXX XXXX XXXX XXXX XXXX in Washington. Signature by XXXX XXXX req 'd Invoice XXXX can be made current by calling XXXX  XXXX XXXX. I called the number and the caller stated they are from RNR Recovery and contacting me regarding a bill from Check into Cash from XXXX. I explained I do not owe a debt to them and you need to provide proof of debt. RnR Recovery claims notice was sent to me 45 days ago. I advised I have never received a notice and to either mail again or email the documents. They refused and claim by law only one notification. I advised until you can provide documentation of debt, I am refusing to pay. The burden of proof is on you!!! Then he threatened with placing item on my credit. I later contacted Check into Cash, XXXX and spoke with XXXX who confirmed that I do not have any debt or outstanding loans with this company.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

I keep getting letters from XXXX XXXX for an address in texas. XXXX XXXX XXXX XXXX, XXXX TX XXXX. I do not live there this was clearly an act of identity theft that I have reported several times to my credit bureau. This is from last year I already reported this
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

I went to a tire shop to get new XXXX  and XXXX  and when I was there the lady tell me that I have 3 months to pay if I. Dont want any interest. I dont make it on time but now that I want to pay the loan I only finance XXXX dlls and they are charging me 300 % interest or a total of XXXX dlls
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/19, I was on the united.com site to book a flight. There was a pop-up banner to apply for a United Explorer credit card from Chase Bank to receive XXXX bonus miles ( after {$2000.00} spent on the card in three months ) and a {$250.00} statement credit after my first purchase. There was even a box calculating my flight cost less the {$250.00} for my total cost. I was skeptical but decided to apply. I clicked the box, completed the application, and was approved for a {$24000.00} credit line in just a few minutes. I then booked my flight using my new United Explorer credit card number. I received my credit card in the mail and called to confirm the receipt on XX/XX/19. While on the line, I asked a customer service representative to confirm my {$250.00} statement credit. She told me that I instead received XXXX miles that could only be earned with thousands of dollars of purchases in the first three months and the first six months. I spoke with her manager, XXXX, in the XXXX office. She told me that they could not correct or switch me to the offer I applied for. Later that same evening, I was on the united.com site to research a flight for my son and the same XXXX miles and {$250.00} statement credit is still in the pop-up banner. I called customer service again and spoke with XXXX in the XXXX office. She agreed that the situation was not fair to me but after checking with her manager, confirmed that they could not correct or switch to the offer I applied for. I believe this is a bait and switch, and that Chase Bank never intended to honor the offer.
Consumer complaint received 2023-03-15
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. (GA)

In accordance with 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : Untitled Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 information is inaccurate.
Consumer complaint received 2020-11-10
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (NY)

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : 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 any purpose.
Consumer complaint received 2023-03-15
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: LEXISNEXIS (FL)

In accordance with 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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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 information is inaccurate.

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2022-12-14
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. (SC)

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Hello, my name is  XXXX   XXXX  and the problem I 'm having with experien is  XXXX  accounts on my credit report are wrong  XXXX  of them are public record and I 've paid them out already and the other  XXXX  are hospital bills that my insurance has already covered and eventhough I 'm disputing the public record I ca n't dispute the other  XXXX  hospital bills because there 's no account number on the other  XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXXXXXX XXXX # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reporting inaccurate information XXXX my credit report : My XXXX XXXXXXXX # XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXXXXXX # XXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX # XXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX Bank - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (CA)

After running my credit twice and submitting all necessary documents from what was a statically on the outside to be a guaranteed loan for XXXX this company had no respect for the fact of me being a victim of ID theft and asked me a question that did not pertain to me in the slightest in order to boilerplate did Nite me and continue on with. There program of curbing. Tensional borrowers should be given the chance to prove their identity in different formats considering the circumstances in this company chose to show no sympathy but yet ran my credit lowered my score and wasted my time. 

Upgrade received my ID ss card bank statement and a price of mail And completely ignored the fact that I was a victim of IDs left that I had called on the same phone as the warning on my credit Had me sign loan documents as if I was approved already before making the decision regarding verifying my ID and send me simply a blanket boilerplate denial putting me in distress.
Consumer complaint received 2021-04-27
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. (VT)

I have made on line payments on my credit card account for years with XXXX XXXX XXXX XXXX. 

They updated their online payment system in XXXX of XXXX, and my credit card payment was made as usual yet not recorded in the new system. I made an additional payment on the account when the first one seemed to have gone astray, and both of these payments show on on my XXXX records, yet my account was still reported as unpaid by XXXX. 
I immediately filed a dispute with XXXX and Transunion, and received a statement saying the error was on their part and would be corrected. 
30 days later the misinformation remained on my credit report, so I filed another dispute, and this time it was verified by XXXX as being correct, claiming I missed a payment when in reality I had made two payments that month. 
It is now XXXX of XXXX and this information remains incorrect, leaving me no option but to accelerate this action to the CFPB and my local states attorney office.
Consumer complaint received 2023-07-22
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. (NY)

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

XXXX ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
XXXX ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my TomoCredit account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( XXXX, Equifax, XXXX ). This's a major issue and seriously has to be fixed.