davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Ive disputed the erroneous information on several occasions and through a variety of platforms, including the consumer finance, protection bureau, the XXXX XXXX XXXX, my state, attorney, general office, the credit reporting bureau, and anywhere else you can think of with no resolve. I was only alerted to changes in my credit score through a third party, and although I had never once been contacted by the businesses and they have repeatedly refused to provide me a Debt Validation Letter, the incorrect information remains despite my rights according to the Fair Credit Reporting Act. Its gone to the point where now its jeopardizing my livelihood as I am gearing up to go back to work as an employee for the federal government in a finance related job. Theres a real chance they will resend their offer when they see this erroneous information that I have tried to address 1 million different ways myself with no resolve. It seems like anybody can say anything they want, and despite the consumer providing proof that the creditor is in fact wrong, the credit bureaus refuse to correct the mistake and simply take the creditors at their word without asking for a shred of evidence. These creditors are not sworn under oath, so why should they be taken at their word? And why is there no recourse despite the fact that I have asked for a debt validation, labor on several occasions, and the a lot of time frame has since passed, yet the error still remains on my credit reports. Am I really to be told that the only solution is to add a XXXX statement to my credit report and hope thats enough to keep my job in finance? Thats completely unacceptable and absolutely ridiculous. If thats all the federal government had in mind as a consumers defense against fraudulent claims when they created the Fair Credit Reporting Act then they should all be ashamed of themselves. Its a joke. The whole system is a joke, and now my kids and I are going to be homeless because of it. So make sure you reply to me and tell me I need to file a dispute with the credit reporting bureaus or file something with the consumer finance protection bureau, or the business themselves, OK? Like I havent already done that 1 million times already! Who may I contact to report the business has not adhered to the rights afforded to me under the Fair Credit Reporting Act THAT WILL HOLD THEM ACCOUNTABLE? I cant afford an attorney, so Im out of options it sounds like with only ONE credit bureau removing one inaccurate credit reporting statement. And were just supposed to be OK with that as consumers? Unacceptable!!
Consumer complaint received 2021-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

these accounts don't belong to me. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY ()

To XXXX XXXX XXXX XXXX we dont owed any mortgage payment. They bought the loan mortgage from Wells Fargo Bank and Wells Fargo bank said there is outstanding balance of {$5500.00}. 

Wells Fargo Bank claimed that we have outstanding balance on loan mortgage payment in the amount of {$5500.00}. This alleged outstanding balance had no support whatsoever. Please see the documents that I sent via certified letter of which your office signed the return address of certified letter last XX/XX/2020. FYI and record too 4 times said documents were faxed via XXXX  fax machine and the receipt I got it is ok. This means the six supporting documents were delivered to your office and when I called your office the staff I talked to said no documents were received. The question why on four attempted faxed the documents your office staff said no documents were received? So certified a letter with return address of which your office signed the certified letter return address last XX/XX/. Please use said documents because it is very clear on said loan mortgage statement that we dont owed any money from Wells Fargo Bank. 

Please see my previous complaint and reference number are XXXX Wells Fargo and for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
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)

On yesterday XX/XX/XXXX, I logged into XXXX and saw that my Equifax has dropped 4 points. This was very confusing. Then I logged into XXXX on this morning XX/XX/XXXX and saw that my Equifax score had dropped another 20 points. I called XXXX and talked to a representative XXXX and she told me that it dropped because XXXX XXXX XXXX, my credit card agency, reported that I had a XXXX balance. I told her that this did not make sense to me because it was for this reason, that I had a balance of XXXX when XXXX XXXX reported to XXXX on XX/XX/XXXX and for this reason, my score went up 28 points. So I was having difficulty in understanding how my score can drop 20 points simply because I had a XXXX balance with XXXX XXXX XXXX when for this reason, my score increased 28 points on XX/XX/XXXX ( see attached ). 

I have a number of issues with the companies involved. First, my credit balance of XXXX ( above issue ) at XXXX XXXX caused me to increase my score on XX/XX/XXXX by 28 points and I was given the explanation that for this same reason, my score dropped 20 points. When XXXX XXXX reported a balance over the limit, it only dropped 4 points so if this above explanation is true, then having a balance of XXXX  would cause your score to drop 24 more points than being over the credit limit. I would think being over the limit would show more financial irresponsibility. 

Furthermore, the second issue is, I noticed that when XXXX XXXX reported that I had a XXXX balance on XX/XX/XXXX, my credit score dropped 4 points ( see attached ) and then when XXXX XXXX reported XXXX balance again on XX/XX/XXXX, it dropped 20 points. Why did XXXX XXXX reported so quick in succession? and this single report was used to drop my score 4 points on XX/XX/XXXX and then again on XX/XX/XXXX it dropped 20 more points. Why was this one action by XXXX XXXX charged against my credit score to drop my score twice, two days in succession. This does not seem right or ethical and it does not seem right that XXXX XXXX would report twice quick in succession. I also believe that XXXX could possibly been reporting wrong scores because when I checked myEquifax, my score did not match what XXXX was showing and I doubt if the explanation by the XXXX representative was correct or that XXXX was correct in showing these decreases in my score and for the reasons stated. I feel that all of these companies needs to be investigated.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer rep
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Toyota finances. After I paid three cars never a late payment well that's not true maybe one time. The XXXX before Coronavirus quarantine I had spoken to a lady that said she was going to give me a retroactive I think that's what it's called an application for me to fill up I was behind one month for some reason no money was coming in work-wise obviously there was a pandemic. They send me a letter and I have proof of all this that I did not get approved for a {$900.00} loan {$900.00} loan so I wouldn't lose my car because I decided to pay those {$900.00} in rent it was either rent or my car and I went without eating. Did they exactly the day of the pandemic we all got into quarantine my car was full of so many things clothing massage table but yeah I heard of repossessions I didn't think I was going to get repossessed because I was trying to work the problem. But no that same day my car gets repossessed and then what there's no work there's nobody in the offices there's no communication with Toyota finances forever they get back to me in XXXX telling me my car and everything and it was sold and that I owe {$10000.00} ruining my credit even more because now I have XXXX points in my credit and I could not get a loan and I could not do my XXXX And I can't rent a house and I can't get any credit cards and all I owe in credit was like {$1500.00} all right so I had a credit card that I didn't pay because my boyfriend ran it off. Not enough to go bankrupt not enough to ruin me for life I'm XXXX  now I go days without eating and I have no door opening because everything is at XXXX XXXX  so yes tell me Toyota didn't know there was a pandemic coming and they wanted to have make sure that their cars were in their bills were paid off and make sure that nobody XXXX them over. I love that car I love the car before that and I love the car that I had before that and guess what now I can't even own a car because they should actually give me a free car for what they did to me they I never been so poor and so hungry that car was my job
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recognize these accounts. I believe I was a victim of identity theft. I have no contracts or agreements with these companies. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! Once again I confirm that accounts are not mine, because I assure you, I have never taken out these accounts.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (VA)

PayPal recently reviewed their terms of service. They have locked accounts that do not have Social Security Numbers assigned to them. They will not allow the accounts to receive money and more importantly will not allow the account to remove the funds already in the account nor will they allow the user to delete the account without the account holder giving them their SSN. They are holding personal information hostage in exchange for SSN 's. If Paypal requires the information for doing business in the future that is fine however you should be able to delete your account to protect your personal information.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I used a 3rd party to book a vacation home for XX/XX/XXXX, a day before my arrival the " host '' informed me that I couldn't come because a current guest had a high fever and it was dangerous. I resulted in having to find a place to stay with my XXXX month old baby and XXXX year old last minute. When I asked the company for a refund since the " host '' cancelled on me, they deleted my account. Then I found out that this was part of a scam of the company ( XXXX XXXX XXXX ). On XX/XX/XXXX I disputed the charge, sent documents and told American Express what had happened. The merchant responded with fabricated evidence and apparently my documentation wasn't seen by the back office representative, instead of informing me to re-submit my documents, they sided with the merchant because they sent fake evidence. I tried to re-submit the dispute numerous times with different ways of sending evidence and never once was my evidence reviewed properly. On XX/XX/XXXX, the merchant decided to charge my credit card another {$5700.00} and {$1600.00} because they saw that Amex was letting them get away with the first charge. 
I once again contacted Amex and told them this was fraud, XXXX months later they charged my credit card when I had not made any transaction with them for that amount! Amex deleted the {$1600.00} charge on my account, but for some reason kept the {$5700.00}. 
On XXXX XXXX, I was told by Amex they would have a resolution within 30 days, it has been 30 days and no resolution has been made and they keep asking me to send personal information such as transactional data from other accounts, private conversations I had with friends proving that I was homeless while I search for a place to stay. I feel violated, mistreated, and that Amex is acting negligent in accepting fabricated evidence from a merchant. 

Attached is the correspondence I've had with American Express.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXXDepartment of education and is now listed as a new account on my credit reports showing a partial account of XXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect. 

The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect. 

This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists. 

DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

due to the XXXX data breach I have been a victim of identity theft and also. my identity was stolen during a break in one of the company 's I'm having issues with is Capitol One it was opened XX/XX/2022 for the amount of {$1000.00} I have complained to. the company and the FTC and they refuse to remove this account
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (SC)

I sent money through the Remitly app. And it was the wrong person. I called Remitly and filed a complaint. Remitlys customer service stated there was nothing they could do since the money had been deposited to the wrong persons account. I feel discouraged with Remitly since it seems they are not trying to do anything to help me out.
Consumer complaint received 2021-10-11
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. This fraudulent credit inquiry made by the following company : Inquiry : 1. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2021-10-19
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. (CA)

I noticed that Equifax is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Consumer complaint received 2020-12-10
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)

An erroneous item Bankrupty with on my credit report involving a judgment that the credit bureaus are claiming they verified through you. Federal Courts do not share this information with 3 Parties / Lexisnexis. Im aware such information is public information and they sold that information to my credit reports
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Subjects known as trans union require entire ssa number vs last 4 digits dob etc then with fraud reporting want a phone number as refuse too contact by paper mail company not supplying advertised services and allowing for things too be listed that doesnt even apply too credit reporting!
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

On XX/XX/XXXX and XX/XX/XXXX two fraudulent charges hit my Avant credit card account. I called customer service, the canceled my card. To date I have received nothing in the mail and the charges have not been resolved. On XX/XX/XXXX I received an email notification that my email address had been changed. I called them again. No one gave a $ hit that someone has hacked my account, again! Then on XX/XX/XXXX I received a letter in the mail Dated XX/XX/XXXX that someone had changed my mailing address. I called the fraud department who transferred me back to the incompetent people who you CAN NOT UNDERSTAND in customer service. I told her I wanted a manager and that I would be complaining to this agency. She put me on hold and conveniently I was disconnected. Called back again! Got an email address for a XXXX in fraud to contact. What a joke!