davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have filed a complaint recently against XXXX, i has ask XXXX to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my XXXX  credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have XXXX  remove these remaining inquiries I do not recognize
Consumer complaint received 2020-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a complaint recently against XXXX, i has ask XXXX to remove all credit inquiries off my credit report because I did not recognize any of these inquiries they have failed to delete thee off my credit report I took screen shots to show that there still on my report, some of these inquiries are on my XXXX credit report twice I will provide a FTC identity theft report and the screen shots these screen shots were taking today XX/XX/2020, I want these removed off my report, I was told by a rep from the Consumer Financial Protection Bureau to feel another complaint since these inquiries was not removed from my report thank you, please have XXXX remove these remaining inquiries I do not recognize
Consumer complaint received 2018-07-07
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 checked my credit report from XXXX, XXXX and Transunion and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.
Consumer complaint received 2020-08-24
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. (TX)

filed ftc accounts names address not mine XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$180.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$420.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$190.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$480.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payment date not reported Account TypeAuto Loan Balance {$7000.00} Date OpenedXX/XX/XXXX Detailsunder dispute icon
Consumer complaint received 2018-07-07
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: JPMORGAN CHASE & CO. (KS)

On XX/XX/2017, I used my Chase XXXX  credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX. with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a significant attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant on the dispute and appeals. In addition, Chase appeared to be pencil-whipping through the dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling to perform additional research or request further documentation in an effort to investigate the transaction.
Consumer complaint received 2022-09-14
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)

TransUnion had my disputes as of XX/XX/XXXX Investigation was complete as per the Supervisor XXXX XXXX on XX/XX/XXXX but no updates were completed as of XX/XX/2022. 
TransUnion has reported on credit report that I am 30 days late with Freedom Mortgage and they told me they are not reporting late.
Consumer complaint received 2023-04-03
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. (NY)

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

XXXX XXXX XXXX : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I booked XXXX hotel rooms through XXXX - XXXX room for my family & XXXX room for my employee, for a work event in XXXX XXXX. We stayed at XXXX XXXX, checked in on XX/XX/22, checked out on XX/XX/22. When we checked in, we gave a credit card for incidentals. When we checked out, one of the cards was billed directly by XXXX XXXX for {$1100.00} ( the total charge for a room for those dates ). We did not authorize this charge. Both rooms were paid in full to XXXX for {$1300.00} & {$1100.00} ( XXXX room had a single bed, XXXX room had XXXX beds ). I called XXXX XXXX as soon as I saw the charge, they advised me they couldn't do anything, and I needed to contact my credit card company ( Capital One ). I started a fraud case with Capital One and the way it was handled seems like fraud itself. First, they closed the case stating I did not submit paperwork in time ( they admitted the paperwork was received in time & it was accidentally closed by an employee and they would re-open it ). Then, they re-opened the case, however, they said that I needed to close the case and file the case against XXXX. So I followed their instruction, and when I went to re-file the charge against XXXX, they said it was too late to open the case as the time frame had passed ( but it only passed because of their handling of the case and delaying the matter ). I then sent a certified letter to XXXX XXXX asking for them to review the charges and ask for a refund, and I never received any reply.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing this complaint to EQUIFAX I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. 

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc. (MS)

XXXX XXXX XXXX is attempting to seize my property on a debt that they can not validate nor verify. XXXX XXXX XXXX has no claim against my property and needs to stop attempting to embarrass and harass me and my family with attempts to steal my property.
Consumer complaint received 2020-07-22
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. (TX)

name that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address is not right : XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX NO ADDRS XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY sen wrong : SSNs show tooltip button Only variations displayed. Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong numbers ftc violations : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX no spouse : Spouse or Co-Applicant Select as many as apply XXXX employer wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-06
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. (CA)

XXXX XXXX XXXX, account noXXXX is inaccurately reporting on my Equifax credit report.I have disputed this account with Equifax about 10 times.I would like EQUIFAX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and EQUIFAX SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays 31-60 days when the account was paid and closed over 3.5 years ago.
Consumer complaint received 2022-04-04
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. (CA)

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.
Consumer complaint received 2019-05-29
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. (IN)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is  involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (TX)

IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (VA)

Hello, American Express ( AMEX ) indicates that I owe a balance of {$4700.00}. I do not owe this balance. I have gone back and forth with AMEX in regards to this issue and have asked them to investigate the matter. They have not. I asked for a review or print outs of my account, however, AMEX indicated they could not give me printout pass a certain time. I closed my account in XXXX and had a zero balance. When I reopened the account, I was told this amount was outstanding on my account. There have been multiple calls made to rectify this issue but I have been placed on extensive holds, sent to multiple agents and experienced dropped calls as a result. AMEX even offered to reduce the payment amount for payment, however, it was an attempt to get my bank information. I explained to AMEX that my identity and information has been breeched several times, and inquired requested an investigation. I filed a police report and presented this to AMEX. There has been no resolve. I would like to get copies of my statements for the entire time holding a AMEX card, and I would like that AMEX remove the charge. I explained to AMEX of two attempts from " representatives '' to secure my social security number and to reopen the closed AMEX. The last incident occurred on XX/XX/XXXX. As instructed, I completed AMEX 's identity theft declaration. 
Embarrassing as it is, AMEX representative contacted my family members looking for me after he had already spoken to me a week prior.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

i had a 5 year car loan that i paid off in XXXX almost 2 years early. 
my FICO score dropped 23 points after i paid it off. the company that handles FICO scores told me it dropped because they`re no longer factoring in the car loan. i have never been late paying my bills. its just another example of being punished for doing everything right.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I created a XXXX Account in XXXX XXXX. After the account was created i wanted to transfer all of the devices from 1 account to the new account. What was done was, all of the mobile devices were transferred but XXXX did not transfer the tablet that was on the account and by their policy you can not have only a tablet on a mobile account so after 6 months of various charges piling up, I was finally notified about what was going on. After trying to resolve the matter what ended up happening was that there was a payment plan set up to pay off the current bills and the bills accrued from the other line still being open. 

The account was fully paid off and up to date with no missed payments and as of XX/XX/XXXX there was a {$0.00} balance on the account and i decided to transfer all of the lines again and close my current that was in my name and transfer them to my mothers name so that i may leave XXXX due to them cutting my phone off for no reason every few weeks and having to call and stay on the phone with them for hours just to correct the problems they were causing. 

The account was closed and all of the devices were transferred correctly this time, but this time there were charges applied to the account AFTER it was closed, not transferred to the new account, but applied to the closed account. 

I was notified by a collections agency in XX/XX/XXXX that they had taken over the debt from XXXX and that XXXX had filed negative remarks on me to the credit bureaus. After contacting the debt collector to gain information they simply wanted me to pay it but had no control over what would happen with my credit. After contacting XXXX and asking them would they give documentation stating that if i did pay them the debt, even though i knew that there shouldn't be a debt, would they give me or send information to the credit bureaus to have the item removed, they stated that whether if i chose to pay the debt or not that it is their company policy to not change any information sent to any credit bureau as they want the negative remarks to remain on the accounts for no less than 7 years.