davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

Validate Chapter XXXX Bankruptcy XXXX..Please view verify and validate any and all information for this alleged account, all dates and all balances, regardless if reported or not .. Further, ensure act has adequate 436 digit P6 statement and five part personal identifiers
Consumer complaint received 2019-08-20
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. (MN)

by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Consumer complaint received 2017-10-25
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. (TX)

On XXXX2017, after reviewing my Equifax credit report, I noticed 5 unauthorized inquiries and one inquiry which is more than 24 months old, appearing on my credit file. I immediately contacted Equifax to question the unauthorized which appear on my credit report and to have the one 'aged ' inquiry removed. I was informed by a Equifax representative that I 'd need to contact each company to have the inquiries removed. After contacting the companies listed I was informed by each company that the 'inquiries ' would have to be removed by Equifax . It appears as though the companies have me running back and forth trying to figure this out, however, Equifax is responsible for making sure its entries are accurate and up to date.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (NJ)

Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.
Consumer complaint received 2022-04-07
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. (NJ)

Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.
Consumer complaint received 2022-04-07
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed Bankruptcy on XX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX It also listing XXXX XXXX as a closed account when in fact it was paid off by XXXX XXXX in XX/XX/XXXX
Consumer complaint received 2021-07-16
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: BARCLAYS BANK DELAWARE (NM)

Since they reported the transactions to me, I've tried contacting Barclays Financing Mastercard multiple times, both online and via their phone number. I've waited on hold twice for over an hour, and both times they dropped the call without talking to me. Their online " help '' keeps telling me to call their number.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX  Bank of America Visa card over years. 
Bank sent promotional letter for 9 mos free interest cash advance from the card. 
Last XXXX, I had cash advance of about {$6500.00} for income tax payment. Bank charges 3 % on the cash advanced amount. 
I noticed last two months XXXX  charged about 14 % interest on purchases. 
I paid minimum amount for the cash advance and also paid off the purchase amount. 
So, I called bank customer service. Bank personnel indicated me that, until the cash advanced amount is paid off, the bank charges I interest on my purchases even though I paid off the purchased amount.each billing period. She indicated that it was in document. I asked weather other bank doing this way. She indicated tha t other banks probably doing. 
This is mis-leading advertisement for free interest cash advance. 
Charge 3 % in front. Then, charge interest on all subsequent purchases. 
Mis-leading and crooked way of doing business!
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (NC)

The following inquiry accounts below are on my credit report and they are all unauthorized. I repeat, THE PROVIDED INQUIRY ACCOUNTS ARE UNAUTHORIZED AND SHOULD BE REMOVED. PLEASE REMOVE THE FOLLOWING ACCOUNTS AS I HAVE NO KNOWLEDGE OF THEM AND UNAUTHORIZED INFORMATION SHOULD NOT BE PERMITTED ON MY CONSUMER CREDIT REPORT. Please remove the following unauthorized inquiries on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX I brought my student loans out of collections. In XXXX Experian dropped my score by over 30 point due to 60 day late payments to my student loans. I disputed the information with Experian, advising them that the cares act of XXXX waived all payments and interest on student loans until XX/XX/XXXX. The derogatory late payments are still on my Experian Credit report. Experian will notify through a credit alert if I spend {$100.00} on my credit card. The credit card balances that it shows I have, is 2 months old and I had to recently dispute my credit card balances. After receiving alerts that my disputes were complete, my credit score dropped another 14 point today. On XX/XX/XXXX my Experian score increased by a single point but today it dropped 14 for no reason. I've called every XXXX number on the internet for assistance and ended up be told to call my fico, which requires a {$30.00} per month. Main point of this complaint is, I have 2 derogatory late payments on my Experian report over student loans that are waived until XX/XX/XXXX. Experian will not remove the inaccurate data from my file
Consumer complaint received 2018-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (CA)

On XX/XX/XXXX, I received an alert that a 30-day late payment was reported on my SoFi account. 

The 30-day late payment is inaccurate. I made an online payment on XX/XX/XXXX for the amount of {$1600.00}. I spoke to one of the customer service representatives and was told that although I made the payment on XX/XX/XXXX, the credit did not post until XX/XX/XXXX. I requested to have this corrected, and honor the actual payment date and not the posting date.

He suggested I email customer service.

I did, and was told to call in. I called in on XX/XX/XXXX, and I told another customer service representative what happened. She said that she can only see the posting date. I said that is inaccurate information and I need to speak to someone in the credit reporting department. She said I should send in a letter. I said I need to speak to someone and this was over my 5th attempt to resolve.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Choice Assets LLC. (CA)

To whom it may concern, 1. First Choice has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. First Choice has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights byFirst Choice, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) First Choice is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to First Choice, I XXXX XXXX is also revoking all rights of First Choice from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between First Choice and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of California.
Consumer complaint received 2020-10-29
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. (MN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

I opened an account with Robinhood more than half year ago, I rarely use the account or perform any transaction. On XX/XX/2020, I requested Robinhood to close my account. They suggest me to leave the account open. I affirmed my decision, they informed me that I need to pay the negative charge first, which was caused due to the deposit reverse nearly half year ago. I then linked my bank account to Robinhood and paid the charge and asked them to close my account again. They stated I need to wait until the transaction is approved. On XX/XX/2020, I reached out to Robinhood and asked them to close the account, delete my personal info, and stop sending me any marketing messages again, they suggested me to downgrade the account. I have no idea of what they are trying to do, and have not received the confirmation of the account closing.
Consumer complaint received 2024-02-04
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-05-26
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. (MN)

XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 XXXX/cc Inquiry from XX/XX/2021 XXXX XXXX Inquiry from XX/XX/2021 XXXX XXXX  Inquiry from XX/XX/2021 A report has been filed with FTC. Please remove the inquiries in this dispute Thank you for reporting identity theft to the FTC. 
This is not your temporary password. Your temporary password will come in a separate email. 
Your reference number is : XXXX I recently received a copy of my ( Transunion ) credit report and I notice there is an unauthorized/fraud credit inquiry made by XXXX the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship
Consumer complaint received 2020-09-08
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: Higher Education Servicing Corporation, Inc. (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2007 with a balance of {$0.00} and a high balance total of {$3500.00}
Consumer complaint received 2018-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Filed a dispute with TransUnion in XX/XX/2017, it still shows " in progress ''. They have not communicated with me any information. the File identification number for the dispute is XXXX.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

{$25000.00} was fraudulently taken out of my Chase account through wire fraud. I have taken all necessary actions to get my money back. I have filed a police report I have filed an FBI report and still nothing. Its been well over a month and still no answers. They attempted to close my claim without even looking into it stating they tried to get in contact with me and they never did. I have gone over phone records its all in black and white they never tried to call. Every time I am connected with somebody they either hang up or can not help. I need answers and help. XXXX is approaching with no peace of mind of when or if my funds will be released.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (AR)

BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NO.XXXX
Consumer complaint received 2020-11-04
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2020-08-21
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. (GA)

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  NA is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

I am XXXX. I am not able to keep up with everyday things. Today I noticed that since XXXX I have been billed {$4.00} a month for credit monitoring services from equifax. My understanding that due to COVID and receiving government assistance that I should not have been billed. Equifax did not understand. This was today XXXX. Are they even aware of the XXXX government policy on credit at this time. I believe I was speaking to someone in XXXX because all they spoke about was the pandemic. No help. Tried to do the survey, it disconnected me.I believe I was billed twice between XXXX and XXXX just to make it even better.
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Columbia Collection Service, Inc. (OR)

Columbia Collections is on my credit report for unknown reasons. I have never agreed to do any business whatsoever with this company or any company that they represent.

Furthermore, this involves a supposed medical debt and it is a HIPAA violation for a medical provider to give medical info about me to a 3rd party, such as Columbia Collections.

If the medical provider believes that I owe them a debt then they need to collect it themselves. I never agreed to do any business whatsoever with Columbia Collections.