davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I have a credit card with XXXX XXXX XXXX with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX  is the only one that has removed this account from my credit report, Equifax and XXXX have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is a disgraceful company. I asked them on multiple and multiple occasions to give me a refund, send me a check. I have a - {$200.00} balance on balance. I asked them several times months ago, THEY REFUSED TO SEND ME A CHECK. One customer service guy even laughed at me for Having an XXXX Name, VERY RACIST. Why did they not send the check? I had trouble with buying food and rent. I asked them multiple mulitple times, send me a check. And then when they finally send me check, i asked what compensation do you have for FAILING to ABIDE by contracts, and failing to following government consumer law, and failing to provide customer service, or abide by California policy. They said NOTHING, and laughed at me, it is like they do everything to disrespect/fraud people, THEY STOLE my money for a while, laughed at my face, and did nothing.
Consumer complaint received 2021-09-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you
Consumer complaint received 2021-03-04
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: Experian Information Solutions Inc. (IL)

On XX/XX/2019, Experian added a derogatory remark ( XXXX XXXX XXXX ) on my credit report. Upon, further research, this account was transferred/sold and Im no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( XXXX XXXX XXXX ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
Consumer complaint received 2021-03-04
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: Experian Information Solutions Inc. (NY)

Today I reviewing my credit report and wanted dispute a negative report and one the drop down options to dispute it was because CODVIC. I agree it we need for help. Why extra help in only for CODVIC. I loss my home because illness of XXXX XXXX when the Bank nor HUD help me find a place I still homeless and place in Forecloser and XXXX XXXX force themselves in my home when they was not supposed to the and within XXXX still reporting for loss to resigned from my job to care for myself and had fight for my United States Social Security Tax or Insurance that I was not approved until XXXX still homeless and told be the XXXX XXXX New Jersey XXXX XXXX Welfare that I have to work before they help me. During this time XXXX loss my house denied benefit and claims from XXXX, XXXX and XXXX XXXX. I work for 16 years and try to prepare for this time now I have nothing. I woman who worked for XXXX and they denied to help me and work all my life in State of New Jersey were they did not help just keep being denied and I been used as test patient in care and programs. The State of New Jersey did not pay me for the XXXX Furlough nor did they pay me why I XXXX  Disable or Unemployment insurance. Were is the help when you have to fight for your life and health. Now I'm face with not being to rent in Hud Apartment or Affordable Housing because the resource not there and people are still misreporting items on credit report. My credit is low
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XX/XX/2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I requested my credit reports through XXXX, and Equifax displayed a full credit report for someone else, " XXXX XXXX '' of XXXX, CA. The report displays the last four digits of my social security number, and " XXXX '' and I have the same birth year and appear to live in the same state, but otherwise we couldn't be more different. I am not sure what's going on, but assuming " XXXX '' is innocent in all of this, this is a HUGE invasion of his privacy ( which I think he should know about ), and I'm concerned my file is being mixed up with this stranger 's. 

I attempted to file a complaint in Equifax 's system right away, but I couldn't submit because answering the security questions honestly didn't work ( because the questions were for " XXXX '', and we are not the same person! ) and my only other immediate option was to file a line-by-line dispute which is irrelevant to me because the whole report isn't mine or submit a statement that'd be displayed in his file, which is obviously not the right option.
Consumer complaint received 2018-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My Husband who was my boyfriend at the time was XXXX XXXX XXXX XXXX  and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
Consumer complaint received 2022-10-06
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. (MD)

Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. XXXX, however, said they could not change the information, even after verifying my identity.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract.

2. XXXX  {$540.00} ive never done business with this company were answered into a signed contract.

3. XXXX XXXX XXXX XXXXl ( XXXX XXXX XXXXr ) {$160.00} ive never done business with this company or entered to assign contract.

4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract.

5. XXXX XXXX$1700.00} Ive never done business with this company or entered into a signed contract.

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX Please See Attached FTC Report
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my report. 

On XX/XX/XXXX I received this response from the company. We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

XXXX CFPB Complaint : Trans Union you have 5 calendar days to have this information removed. I will not allow sixty days of violation. Trans Union has been in violation for months and not the time is of the essence. Sixty days that's two thirty day credit reporting cycles of false information. 

I am ready to appear before your honor!
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

In XXXX of 2018 I was issued a new American Express Corporate Card ( AmEx ). On XX/XX/18, I rented a car and the car rental company charged my Corporate Card. When the statement arrived, I paid the amount in full of {$82.00} on XX/XX/18. 
An email statement was received from American Express in mid-XXXX with a {$82.00} balance. Immediately, I called AmEx to verify payment and they informed me the payment I previously made did not post to the account. After gathering info from my bank transaction, I contacted our corporate administrator and after some research, the administrator informed me I paid the amount to my previous American Express Corporate Card account. 
On the same day, I contacted an AmEx representative, was informed AmEx could not either apply the amount from the old account to the new account, nor are they able to electronically transfer the funds back into my bank account and working with a representative, a check was going to be mailed to me for the balance of {$82.00} from the previous card. 
On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 I contacted AmEx because I did not receive the check.
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendUp Loans LLC (TN)

I attempted to complete my standard {$97.00} monthly payment via debit card on XX/XX/2019. The {$550.00} payoff balance populated in the payment field. I backed out to cancel. However, the site submitted the payment for authorization. The amount was not to be authorized, and I did not agree to complete the payment. A phone call to customer service followed, as I was not able to obtain a new draw. Flurish claims that the payment was completed, which I continually claim it was not, and the company refused to edit or cancel the payment, or refund the difference. My requests to escalate the report was also refused by the associates I have spoken with. This is a technical error on the company site. I am asking to reverse or refund the payment and allow the regular installments to continue.
Consumer complaint received 2017-08-25
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. (KY)

On XXXX XXXX XXXX ... I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. But you 'll find that the reported PHONE NUMBER on the credit report is inaccurate. There are also other inaccuracies that appear on the fully detailed credit files about this public record. 
The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, TransUnion has continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). TransUnion thumbs its nose at federal laws! 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court. 

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APPLE RECOVERY SERVICES CORP (TX)

Apple Recovery contacted me Via mail on XXXX stating that I owed XXXX XXXX Bank a Balance of {$9200.00}. 

I have never had any type of loan with XXXX XXXX Bank. 

the letter contained nothing more than a Balance and showed XXXX XXXX Bank as the original creditor.. 

I was the Victim of Identity theft many years ago and my only thought was that this could have been the result of that action. 

I would like myself removed from the Collection effort and for Apple Recovery to cease contact with me regarding this account. 

sincerely, XXXX XXXX
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2022 I paid of my car loan with Chrysler Capital. The account was subsequently closed and confirmed that I had paid off the car loan. On XX/XX/2022, the Chrysler Capital auto pay system deduced {$400.00} from by bank account as a scheduled payment, although the loan had already been paid off. 

I contacted Chrysler Capital on XX/XX/2022, who pulled my account, and verified the loan was paid off on XX/XX/2022. They were unable to find a record of the auto payment on XX/XX/2022, even though I had the payment confirmation number to provide them. They told me they could not explain the charge, and could do anything. 

Chrysler Capital is continuing to make unauthorized withdrawals from my bank account for a loan that does not exist, and I can not stop it.
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (GA)

No one was answering the phone to assist. I need to either edit the bank information for my friend in XXXX  or cancel the transaction but neither of them are there for the option. My money is already out from my bank and the bank acct number is not working for the international transaction. So I need help!
Consumer complaint received 2020-07-19
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. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.
Consumer complaint received 2017-08-25
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. (KY)

On XX/XX/2016 ( as well as many other dates before & after ) I received a reply from Experian regarding the dispute of inaccurate and unverifiable information contained in the public records section of my credit report. Experian says the information is verified as accurate. But as you can see ... Experian does not provide very detailed investigation results. It 's laughable! 

The Fair Credit Reporting Act ( FCRA ) states that ONLY 100 % accurate, 100 % complete and 100 % verifiable information can be reported. 

However, Experian have continued to violate the Fair Credit Reporting Act by reporting inaccurate and unverifiable information in my credit report ... as well as also neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. And this is a very important right that they have blatantly violated EVERY TIME that I 've disputed this information, because they never make that notation & also continue scoring this inaccurate information against me while it 's being investigated ( which is a laughable fraud in and of itself ). Experian thumbs its nose at federal laws! 
Additionally, Experian has NEVER verified the public records information DIRECTLY with the US Bankruptcy Court. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court.

I have also attached a letter from the US Bankruptcy Clerk that states that THEY THINK that credit agencies get their information from a 3rd party service such as PACER or other agencies like XXXX. 

This is not reliable, and is prone to errors. 

Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information directly with the US Bankruptcy Court.
Consumer complaint received 2022-10-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (TX)

Called my place of work and said they would serve me papers. That a civil complaint was against me and I owed money from a check and go debt that was never paid. The company was called XXXX and only had a an hour to sign documents and send over payment to handle matter or a lien would be put on my house. Company does not exist when looked up. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-19
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. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A VIOLATION OF THE FCRA. I AM BEING IGNORED BY THE BUREAS AND THEY ARE NOT CONDUCTING PROPER INVESTIGATIONS.