davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I had a promotion set to expire XX/XX/21. The amount due was {$950.00}. I paid {$1000.00} on XX/XX/21. I was still charged the deferred interest amount of {$300.00} despite paying the amount in full. When I called I was told the charge could not be reversed for XXXX reasons, one was that the amount didn't cover the promotion plus the monthly payment that was due. This is NOT correct. The monthly payment that was due was {$43.00}. The {$1000.00} covered BOTH the promotional balance set to expire and the monthly payment. I was then told it wouldn't be reversed because I didn't dispute within 20 days. They made the mistake, and now I'm forced to pay an additional {$300.00} even though the mistake was on their end. This should be criminal. The should not be allowed to take advantage of customers this way. They make PLENTY of money legally, taking advantage of customers to pay for their mistake because of some bs timeframe they put on me being able to catch it. It is shameful.
Consumer complaint received 2022-04-28
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. (GA)

To Whom It May Concern I am challenging the incorrect information with XXXX where all XXXX Bureaus XXXX, Equifax, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was. The account is being reported as a Charge Off and by law, you can not collect on a charge-off account nor report it monthly. 
I contacted all XXXX bureaus XXXX, Equifax, and XXXX as well as XXXX. Well, the law states that with a charge off a company can no longer collect on the debt because they wrote it off to the IRS. This is a cancellation of debt. I received a 1099 C in the mail and had to file this with my taxes. I then know that you can not report income to the credit to my consumer report. All reporting agencies prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. This is inaccurate information and I need it deleted immediately.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (AL)

I have previously been affected by an attempt by someone to open a XXXX XXXX account in my name and disputed it directly with XXXX XXXX. 

After reviewing my Equifax report, I noticed inaccurate information. 

The following inquiries are listed on my report in which I did not authorize nor am I benefitting from the inquiries : XXXX - XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I originally sent in letters on XX/XX/XXXX that show that the " charged off account '' from XXXX was inaccurate on my Consumer report. XXXX has reported this account balance as a loss to the IRS. But they are still receiving payments toward the account balance. Pursuant to US CODE 1681 S2 ( a ), a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this account is charged off, then XXXX should not be receiving payments on this account as it was already written off as a loss according to the IRS. Therefore this account is being reported INACCURATELY AND NEEDS TO BE DELETED IMMEDIATELY. I've attached the receipt of my most recent payment to show as well. Furthermore, pursuant to 15 US Code 1681 S-2 ( A ) ( B ) -Reporting information after notice and confirmation of errors - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, that specific information is inaccurate.
Consumer complaint received 2023-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute with XXXX XXXX in regards to reporting on my credit report when i had no affiliation with XXXX XXXX and they are reporting late payments on my credit report which is inaccurate as they themselves sent me a letter stating they refused to grant me any credit with them... therefore why are they reporting that i have credit with them. I also wanted to file the dispute with Transunion, XXXX, and XXXX... which have not been updated for years now with accurate information.
Consumer complaint received 2018-03-03
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)

No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2021, I received an email from Experian ( Attachment # 1 ) to my secondary email address indicating that my email address was changed on my Experian account. I attempted to login to my account and change my login credentials to prevent my credit information from being stolen. However, my credentials were no longer recognized, and when I tried to retrieve my username or password using my SSN and DOB, nothing was sent to my email as it has been changed in the system. I called Experian using various customer service numbers they list on their website ( XXXX, XXXX, XXXX, and XXXX ) and was unsuccessful. The automated messages asked me to access my account online or enter my credentials ( which were not recognized anymore ), and the only live representatives I could reach were in Business department. These representatives were not able to assist me or transfer me to a manager or Individual department. I then sent two emails to the support team on XX/XX/XXXX and XX/XX/XXXX ( Attachments # 2 and # 3 ) and never received a response. I am a former victim of identity theft and had a credit freeze on my Experian account. Despite having a notice on my account that I do not want changes made to my account without first being contacted, someone was able to take over my account. I am very concerned for my credit health.
Consumer complaint received 2017-12-17
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: Experian Information Solutions Inc. (NV)

XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything
Consumer complaint received 2021-12-08
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. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (FL)

I disputed XXXX that's reporting on my credit report and it was deleted from all 3 bureaus but for some reason, It reappeared on my credit report with no explanation, no letter was sent to me not explaining why.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

In XX/XX/XXXX we called and spoke with AMEX customer service about the notice of an increase in the annual fee ( from {$450.00} to {$650.00} ). We were unsure if that applied to us since XXXX was the anniversary of when we opened an account, so we called to get clarification as we were deciding whether to keep this same level card. After the agent spoke with a supervisor, we were told that since our account renewed in XXXX of XXXX, we would not be charged the new fee until XX/XX/XXXX. We decided to keep the same level card we had since we would not have an increase this year. We were then charged the new fee. We spoke with customer service on XX/XX/XXXX or XXXX and they opened a case file for us. I followed up on XX/XX/XXXX and was told the case was closed with no explanation given. I asked to speak with a supervisor and as he looked into it, he said that since our renewal was in XXXX, we were charged the wrong amount. He sent the case again to the " back end ''. We followed up and the case was closed with no explanation given. We spoke again with an agent and he also sent the case in to be looked at. Last week I contacted AMEX on XXXX and someone looked into it for us. At one point they came back and admitted the customer service agents gave us the wrong information ( see attached screenshot of XXXX conversation ), but no adjustment would be made. They apologized for the inconvenience. That inconvenience cost us {$200.00}. It's frustrating that customer service can give us the wrong information, but the cost of the mistake would be borne by us. We would have made a different decision had we been given the correct information.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SunTx Capital Partners (TX)

I opened an account for a vehicle loan with Freedom Truck Finance in XX/XX/XXXX and have made on time payments to date. The term of the loan was 49 months. Freedom Truck Finance reported my payment history to the three major credit bureaus until XX/XX/XXXX when they purportedly sold my credit account to a different lender. I have since established that this claim is false. I tried to dispute the non reporting of my payments with XXXX  but Freedom Truck did not respond and XXXX  removed that account from my credit report. I have called Freedom Truck numerous times, talked to a supervisor called XXXX but I have not received any help and they claim they continuously send my information to all the 3 bureaus ( XXXX, XXXX  and XXXX  ). All the bureaus show that they last received such information in XX/XX/XXXX. I have my payment history as provided by Freedom Truck Finance, which is in two parts because they claim the new company is now receiving payments ( no one at the Freedom Truck can identify the new company ).
Consumer complaint received 2022-01-10
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. (TX)

The creditor has ignored my request for this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TN)

I had an amount for {$570.00} that was due on my credit card ( discover ) that I was trying to get paid on the XXXX of XXXX but I was unaware that the payment was attempting to come out of my savings and not checking. So due to this issue it caused my card to be put under a late payment when in actuality I was trying to get it paid before the due date and statement date. I called my bank, credit card and tried to dispute it thru the credit bureau.
Consumer complaint received 2022-04-28
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (AL)

Southwest Credit Solutions reinserted two collections on to my credit report without properly notifying me. These two debts have been once removed from my consumer report, but they have been reinstated. I have reached out to this company to no avail.
Consumer complaint received 2021-12-08
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. (NC)

Equifax, XXXX, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

The company is Wells Fargo Dealer Services n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that Wells Fargo is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to wells Fargo on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that Wells Fargo never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want Wells Fargo to update bureau 's all 3 on me n wife n show XXXX  balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX out of them.
Consumer complaint received 2022-04-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

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

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

15 USC 1681 Section 604 A Section 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 + open end consumer credit plan as late for any purpose.

XXXX
Consumer complaint received 2021-12-08
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. (PA)

on XX/XX/2021 I sent a letter requesting that the its disputed be verified sending the documents used to verify these debts. XX/XX/XXXX the letter was delivered and I have not received respond. I have provided all the documents and the tracking confirmation that they received the letter on XX/XX/2021.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

All accounts were closed on the morning of XX/XX/2021 without any warnings or explanations. Spoke with management and their response " we don't know anything, it was a business decision made by the bank. You have to wait for 24-48 hrs. until we are able to give you answers. ''
Consumer complaint received 2022-04-28
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: Affirm Holdings, Inc (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 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 + open end consumer credit plan as late for any purpose.

8394
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The three major credit bureaus are reporting a bankruptcy on my file that needs to be removed. This bankruptcy is well past the credit reporting limit however, it continues to report. I have sent in disputes previously regarding this bankruptcy and it remains on my credit. Under the FCRA the limit to report any negative item is 7 years and my bankruptcy is a lot older than that. This needs to be removed so I can move forward with my financing.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Can not unfreeze equifax credit report to refinance home. Website says to call, call and can't reach a live person, automated system asks questions about things that I don't have so it says to fax in proof of identity. No response from equifax.
Consumer complaint received 2018-10-03
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: ALLY FINANCIAL INC. (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX