davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX, XXXX, Experian is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MA)

Hyundai without warning is now charging {$3.00} to make a one time payment online, something that was advertised as a free feature when I took out the loan. 

This is a push for autopay so we cant pay ahead. 

Loan taken out XX/XX/XXXX, received notice on XX/XX/XXXX statement to be effective XX/XX/XXXX.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BUDGET CONTROL SERVICES, INC. (CO)

During the summer of XXXX, I was getting estimates from several local XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that had become fragile due to my old age. The first two XXXX XXXX provided estimates with no charge for the consult. On XX/XX/XXXX, I visited XXXX XXXX for their estimate. Before meeting the XXXX, I signed a financial agreement that addressed my responsibility for charges not covered by dental insurance, which I did not have at that time, and for charges incurred for services, which I would not be receiving, as I was coming for a price estimate consult and not for any services. I did not get the estimate I came for but the XXXX  did suggest that I get XXXX XXXX XXXX, totally irrelevant to my urgent need for XXXX. The XXXX did comment on my other dental issues, all of which I was already aware of and receiving treatment for. As I prepared to exit, I was told that I owe {$190.00}, which I refused to pay because I was not informed of a consult charge, I would not have agreed to the consult if there were a charge, and because I had received no services. Soon after, I received invoices from XXXX, which I returned with a note stating my refusal to pay for the above reasons. In early XX/XX/XXXX, I received a notice from Budget Control Services ( BCS ), XXXXXXXX XXXX collection agency, that gave me directions for disputing the debt. I followed their directions and timely submitted to them my reasons for disputing the debt. On XXXX, I received a credit alert that a negative item has posted on my credit report. On XX/XX/XXXX, I received a letter from my XXXXXXXX XXXX bank informing me that my {$8800.00} line of credit was being reduced to {$2100.00} and that my XXXX XXXX had dropped almost 100 points. I have never been late on a payment as my credit report shows. My available credit is my property and it has been taken from me. This is a defamation of credit, not to mention extortion. According to XXXXXXXX XXXX XXXX reviews, I am not their only victim.
Consumer complaint received 2024-02-04
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. (TN)

I XXXX XXXX Have fraudulent accounts appearing on all three of my credit reports. 


1. XXXX {$2600.00} 2. XXXX XXXX XXXX {$2600.00} 3. XXXX XXXX {$2100.00} 4. XXXX XXXX  {$10000.00} 5. XXXX XXXX {$1000.00}
Consumer complaint received 2024-02-03
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. (TX)

I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Consumer complaint received 2021-01-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im going to make this as simple and clear possible. 

XXXX XXXX XXXX  acc  # XXXX -I had an account account 3 years ago that was closed after car was totaled. 

-last payment was made 3 years ago -the payment history is inconsistent with other reports and KEEPS CHANGING randomly even up to now -How can an account closed 3 years ago with last payment 3 years ago keep having changes to payment when XXXX XXXX says they send the same exact data every time?
Consumer complaint received 2022-11-17
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. (ME)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Highest Balance : {$53.00}, Open Date XX/XX/XXXX ), XXXX XXXX XXXX ( Account Number XXXX, High Balance {$99.00}, Open Date XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (TX)

I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!
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: EQUIFAX, INC. (AZ)

I have submitted numerous lettters in which i kept documentation of to Equifax regarding reporting they are doing on my credit file. 
I have also sent them a letter from XXXX showing all 7 accounts are {$00.00} balance owed and yet they have not updated the information. 

XXXX -sent me a letter of the investigation rec 'd and sent me a letter showing they put balance due are {$00.00} and this was also sent to Equifax and remain with no changes. 

They took over 30 days this last request asked for more time and then closed the investigation as completed but no change. 

There are 7 load ( XXXX  ) XXXX all from XXXX and XXXX my Current balance is {$00.00} I asked that the information be updated. Still they have not complied, this is the last attempt then I will be filing in court a lawsuit against them. 

I ALSO RECIEVED A NEW LETTER FROM XXXX DATED XX/XX/XXXX, I DONT HAVE A COPY BECAUSE I SENT IT TO EQUIFAX AND XXXX AND FORGOT TO COPY IT. THEY HAVE THE INFORMATION SENT FROM XXXX THEY JUST KEEP SENDING ME THE SAME OLE RESPONSE AND NOT UPDATING MY FILE. IF I NO LONGER HAVE A BALANCE WITH XXXX AND IT SHOULD REPORT THAT ON MY FILE UNDER THE XXXX CREDIT ACCTS OR THEY NEED TO REMOVE XXXX ALL TOGETHER BECAUSE THEY ARE REPORTING INFORMATION WRONG.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

As of XX/XX/XXXX experian sent a letter with dispute results. They disputed the wrong results!!! They disputed with XXXX. I need the dispute to be with XXXX!!!! This is not complicated. The account still shows updated and has not been updated on Experian since XX/XX/XXXX. This account needs to fall off my credit score. Its not accurate. I want the dispute for experian to get it off me credit report or defer to XXXX to get it off credit report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  AND XXXX XXXX  HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (CA)

currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been banking with Capital One Bank for many years.  I have been using their online banking to access my account information and pay bills for many years.  A couple of weeks ago I went online to pay a bill and suddenly ALL my banking information was gone.  I have a credit card with the bank as well and the only thing visible when I logon is the Credit Card.  I no longer have access to my checking account online.  Yes, in the past BOTH the CREDIT CARD and CHECKING account was visible when I logged into Capital One.  I have called the bank MANY times and have gotten the run around; however, nobody has been able to correct it.  I am XXXX years old and recovering from XXXX  and have been told many times that they don't know how to correct it and will "escalate the issue to another department".  Yesterday, I had someone take me to the bank (spoke to XXXX XXXX) and he also told me that he doesn't know how to correct it and will "escalate the issue to another department".  My only solution for now was to open a new account, at another bank, so I can pay bills online and view my transactions.  I would like Capital One to give me back my access to online banking.  And as an aside... XXXX XXXX is the most unprofessional person I have dealt with in quite a long time and this was not my first unpleasant experience with him.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Refi with Wells Fargo which closed on XXXX XX/XX/2020. Throughout the whole process, Well Fargo was totally disorganized, unprofessional, and incompetent. The mortgage officer put the wrong social security number and property address initially on the application, the mortgage processor kept asking for the same documents multiple times ( losing or misplacing them ) and asking for documents that were irrelevant and did not exist, people did not return phone calls and emails answering questions, the XXXX people dithered around for days trying to contact the wrong people, and so we missed the initial closing. We are longtime, major Well Fargo customers, and we were treated shabbily if not worse. No one should use Wells Fargo for a mortgage.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (RI)

Ally FinancialXXXX XXXX XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both Ally Financial and XXXX. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.
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. (FL)

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (PA)

please see identity theft report. i have consistently disputed fraudulent accounts that are result from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Citi advertised a {$400.00} promotion offer for opening a checking and savings account with their branch if conditions were met. 

I received a confirmation that I enrolled in the offer on XX/XX/2020. ( See attachment 'Exhibit A ' ) The terms for the {$400.00} checking offer were : 1. Deposit {$15000.00} or more into the new Citi account ( s ) within 30 days 2. Maintain a minimum balance of {$15000.00} for 60 consecutive days.

The bonus should appear within 90 calendar days from the date conditions were met. I double checked the Terms and Conditions to confirm I was not disqualified for anything else. ( see 'Exhibit B ' ) I completed the {$15000.00} deposit on XX/XX/2020 and received a confirmation of this from Citi XXXX see 'Exhibit C ). I then kept the minimum balance required to this date. 

I made a call on XX/XX/2020 to Citi. The rep told me all requirements were completed as of XX/XX/2020 per their internal records. He said I should expect the bonus by XX/XX/XXXX. 

I called again on XX/XX/2020. The agent XXXX XXXX XXXX again confirmed I had met all the requirements and he wasn't sure why the bonus wasn't being paid out. This agent said a possibility was not filling out a W-9 form when I opened the account, but this is a request for an ITIN/SSN from the government. This doesn't make sense as I opened the account in the US with my SSN. 

XXXX XXXX + 60 days + 90 days is XXXX XXXX. The bonus should have been paid out by this date but it is clear there is a mix-up at Citi and no I talk to knows why.
Consumer complaint received 2020-11-04
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. (CA)

I am filing this report because today XX/XX/20 I applied for a XXXX credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.
Consumer complaint received 2019-11-04
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: EQUIFAX, INC. (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (WA)

I was going to close this credit card because I no longer needed it but I ended up calling back and requesting to keep it under the advise of the credit repair guy. I called to make sure I had the right address and the website had the wrong address. The reason I was going to close it is because of the difficulty and expense of getting a payment in securely. I alerted the representative to the fact that the addresses were different and he was not concerned about it? I sent in the money order and did not put tracking on it, big mistake. I sent it in on the XXXX of XXXX and it was cashed on the XXXX of XXXX. First Progress said I needed to send proof so I sent the money order number and my receipt. They then told me I needed to send the other side of the money order so I attempted to fax it an entire day at XXXX until at the end of the day it finally went through. I have 11 pages proving that I was trying to fax from XXXX The first fax went right through? When I called the following day the said it was not sufficient? 
The money order was made out to them and it was cashed in the same amount of time as the prior payment. I thought the number of the money order is how they would know if my hand writing or any other detail was wrong?
Consumer complaint received 2022-11-17
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XXXX