davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was victim to a crypto scam where an individual which I later found out hacked my friends XXXX to lure me into investing with Bitcoin when they kept asking me for more money to get my payout and started asking me for my email and XXXX login information to verify I immediately flagged it as a scam. Every time I sent money they request more or had another reason that I need to send money to recieve a {$250000.00} payout. I called my bank capital one to report it and they began investigating on XX/XX/XXXX I also contacted XXXX where the transactions occurred and they said even tho it was sent to a bogus acct the funds transferred successfully and there was nothing they could do. The bank asked me to provide profs I hadnt received the money back along with transcripts between me and the scammer as well as me and the website it occurred. Upon providing this information they still denied my claim. {$4900.00} dollars is the total amount I am pursuing and reflects all of my savings. Most recently on XX/XX/XXXX said individual reached out to me again via XXXX stating they would send the money today but I will have to send them an additional {$300.00}. I contact capital one again to add this information to my claim but they still have denied it and refuse to reopen the case
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is incorrectly reporting my credit score to XXXX XXXX, XXXX  and in general. My debt to income is in good standing and when the other credit bureaus went up 16 points when I paid off a credit card Transunion went down 16 points instead. This is negatively impacting my Tranunion credit score as it is incorrect. Also all Transunion staff is offshore very hard to get them to get understand the problem.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (GA)

World Finance is reporting an erroneous account on my XXXX  Credit Report that is a different account number from my XXXX  and XXXX  accounts. There are two different accounts listed on my XXXX  credit report from this company ; one is XXXX, and the other, correct account that matches my other two credit reports is XXXX. I've only had one account with this company. I previously disputed this account and it was removed from my XXXX and XXXX  credit reports, but it still remains on my XXXX  credit report and is damaging my credit rating.
Consumer complaint received 2024-02-02
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. (NC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and XXXX  XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX  XXXX XXXX 's stance is solely based on the fraud/abuse comments within their XXXX listing, then the entire account listing must be removed from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

I received the TD Bank open an new accounts with promotions. 

The promotion card was showing : The criteria are as follows : A {$300.00} bonus is made available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. 

My account was opened on XX/XX/XXXX. I made direct deposit funds of {$2500.00} on XX/XX/XXXX. I was send a send a secure message on XX/XX/XXXX to check status. UntilXXXX I received a reply MSG I'm not qualify. 

The MSG is below : Please note that qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payment received for goods sold do not qualify. 

Due to your opening deposits being transfers and not a deposit as mentioned above, this account does not qualify. 

But the promotion does not mention anything this above informations. 
This is promotions will misleading consumers.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TX)

XXXX XXXX XXXX continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire XXXX XXXX XXXX account listing removed from my Early Warning Services , LLC. I've done nothing wrong and XXXX XXXX XXXX has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If XXXX XXXX XXXX 's stance is solely based on the fraud/abuse comments within their EWS listing, then the entire account listing must be removed from Early Warning Services , LLC
Consumer complaint received 2020-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX This account was opened XX/XX/2019 and removed from my credit files XX/XX/2019. I have not had any issues with XXXX  or XXXX. XXXX XXXX XXXX reinserted this account back to my Experian credit file without verifying that I owe anything. Neither XXXX XXXX XXXX nor Experian have provided documents proving I granted XXXX XXXX XXXX permission to post to my credit profile. Experian did not offer any explanation of how XXXX XXXX XXXX was verified. 
XXXX XXXX XXXX continuously violates 15 USC sections 1692 A E and Experian allows it. XXXX XXXX XXXX refuses to provide contracts with my signature proving I agreed to do business with XXXX XXXX XXXX. It is unfair as a consumer that I have to endure unfair credit reporting practices from XXXX XXXX XXXX and Experian. This account was charged off 7 times. 
Experian has continued to ignore my requests to remove this account and stated in writing that unless I send in relevant information they will not investigate my dispute yet Experian has not shared information with me on how XXXX XXXX XXXX was able to prove I owe anything. I feel helpless because these companies are allowed to treat us however they want and are allowed to get away with it. 
I even read in the Fair Credit Reporting Acts that once an account is removed it can not be reinserted to a consumers credit profile. How are these companies allowed to get away with this?
Consumer complaint received 2020-11-26
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. (TX)

I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact equifax about XXXX XXXX XXXX  on XXXX, XXXX  XXXX XXXX on XXXX, XXXX XXXX XXXX on XXXX, and XXXX on XXXX. Ive also contacted XXXX  about XXXX XXXX on XXXX and XXXX  XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NM)

I am trying to get my home refinanced and on my credit report it showed i owed XXXX XXXX almost {$900.00} from XXXX of XXXX. I called XXXX directly and they stated they did not have an account under my name and could not find anything with the last of my social or birthday. They said they could not help me but to go to a XXXXXXXX store XXXX I went to the one in XXXX, they stated they were a 3rd party XXXX  store and could not help me I would have to go to XXXX Tx or XXXX NM . to file fraud paperwork. They then stated to call the people who had me with the negative report on my credit. I called them Credence Management ( they are debt collectors ) I spoke to a man and i could not understand him very well as he had a thick accent, he then transferred me to his supervisor XXXX which also had a very thick accent and was quite upset over the bill not being paid. He finally gave me the account number that he was wanting payment on and the account number is XXXX of a XXXX account that was from XXXX not XXXX of XXXX. Credence Management number is XXXX XXXX XXXX it is a New Mexico number but i think the company is based out of the United states.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management (CA)

I settled an account an with XXXX XXXX, and made the payment to XXXX XXXX because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is Plaza Services. Plaza Services is violating my right to have fair and accurate credit information reported. Plaza Services does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. Plaza Services is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to XXXX XXXX. The account was settled and there is a XXXX  balance on the account. Plaza Services refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to XXXX XXXX not Plaza Services.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried for the past 3 years to get my credit report from XXXX. Everytime they say I do not have a file in my name. How can your credit file automatically just dissapear like if it never existed. I have called them numerous times and they continue to say my file is not on record. They cant find my name, my social security number, nothing. Why if I had a report before they can not find any report in my name or under my ss number? It just dont dissapear. Please help me
Consumer complaint received 2020-11-15
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. (NY)

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, equifax or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Consumer complaint received 2020-04-22
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. (CO)

XXXX and Transunion are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-11-15
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. (NY)

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's XXXX XXXX XXXX credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from XXXX XXXX website. It is now Middle of XXXX and I do not see this card anywhere on transunion, XXXX  or XXXX. I have called XXXX XXXX a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Consumer complaint received 2017-09-21
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: CITIBANK, N.A. (NY)

On XXXX XXXX. My credit card was charged XXXX US dollar. and when I called the bank, they says it 's the system error they will give me refund.and they did give me the XXXX us dollar refund, but on the XXXX and the XXXX us dollar charge showed on my statement again.I called the bank ask for solution, they keep saying " It 's not your problem '', and they will investigate for me. I payed for the minimum on the credit for about two month, the debt collection company keeps calling me for the money that I " owned '' .This problem is not solved until today.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2020-04-22
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. (FL)

Multiple names and addresses are reporting on my credit credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Financial Credit Service, Inc. (OR)

we got a telephone call from a company that pays of your credit card debt, it was a XXXX XXXX XXXX card .once account is paid off its closed. Now ARA INc bought the account which is eight years old and they are trying to collect on something that is paid off, a XXXX XXXX is trying to collect on old accounts that are closed, I dont want this man doing to other people what he is trying to do to us thank you XXXX XXXX
Consumer complaint received 2021-04-07
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. (MN)

Transunion 's site and phone don't work. You get connected to a TRAINEE who knows nothing about the American Credit system. 

What a joke. 

They are putting my account in collections when it is paid off. Their website says " too bad, call the number or mail it in ''. The number sends you in loops. CALL IT! 

Also XXXX needs to be REMOVED. They put my loans in DEFAULT for NO REASON and were NOT mailing me. They were sending emails to an address from XXXX  that XXXX held when I XXXX. NEVER KNEW THEY EVEN SOLD IT!!!!!!!!!!! 



This takes forever and hurts my credit. Their MADE UP RULES ARE HURTING OUR SCORES. 

I am a 100 % XXXX Veteran. 

THEY DONT CARE ABOUT XXXX PEOPLE AT ALL
Consumer complaint received 2020-10-26
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)

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2017-12-28
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. (OH)

On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.