davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
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: EQUIFAX, 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-11
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (MN)

On XX/XX/XXXX, a settlement agreement was reached in the amount of {$5700.00}. The final payment for this agreement was made on XX/XX/XXXX. Starting in XXXX I started receiving phone about late payments-3 total when I returned the call they said it was in the hands of the attorneys and they couldnt talk to me but did say that my account wasnt settled and still had a large balance. The credit repair company attempted to get a statement to show account paid in full but they never responded and then XX/XX/XXXX they reported it as unpaid account to credit bureaus
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MO)

I have a past due charge off with XXXX XXXX that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XX/XX/XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, XXXX XXXX is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XX/XX/XXXX even though the account has been charged off.
Consumer complaint received 2024-02-12
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: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting two accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is saying I owe them {$1900.00} from a credit card that was opened on XX/XX/XXXX account # XXXX We are in the process of litigation because they can not provide verification of debt. While printed out my credit report needed for court on the XX/XX/XXXX, I noticed Capital One had created another entry on my report bearing the same account number, but was opened in XX/XX/XXXX for the sum of {$1600.00} and had been closed due to serious delinquency. This did not happen.. And on XX/XX/XXXX, Capital One sold this same debt of {$1600.00} to XXXX XXXX..
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

i had a XXXX account connected to my citi gold credit card, the account had around XXXX aa advantage miles, i had trouble logging in to the XXXX account so i called up XXXX and they said they shut down my account. first of all i was never notified about it and i have not done anything against the terms and conditions to earn those miles.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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.

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 2020-07-02
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. (FL)

chapt XXXX bankruptcy only supposed to stay on for 7 years. its 7 years inquires as well XXXX, XXXX  mortgage amrent premium 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
Consumer complaint received 2017-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (LA)

I got in a wreck on XXXX XXXX. It was a head on collision. I had a XXXX behind the wheel, crossed over the median and hit a car head on. I was driving my roommates car and there was n't insurance on it. I have paid all my court costs and everything that I had to do. And now these people are sending bills to my brothers house asking for {$27000.00}. It has both mine and my old roommates names on it. But what I 'm not understanding is how my roommate was able to get another vehicle from the same place that the car that was wrecked was from. And how she was able to get the wreck taken off of her credit. But yet these people are still asking for money.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Midwest Acceptance Corp. (MO)

I have a past due charge off with Midwest Acceptance that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XXXX XXXX, XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, Midwest Acceptance is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XXXX/XXXX/XXXX even though the account has been charged off.
Consumer complaint received 2024-02-09
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: EQUIFAX, INC. (CA)

I have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof
Consumer complaint received 2020-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (KY)

The mortgage company failed to apply my payment to my account. Instead of paying my monthly due they applied it towards an interest payment only -without my consent- and then applied late fee All Insurance Payment Principal Only Download 2020 Due Date Date Received Principal Interest Fees/Costs Escrow Suspense Payment Amount XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$0.00} XX/XX/2020 XX/XX/2020 XXXX {$1300.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 XXXX {$660.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$1300.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$2600.00} ( {$2600.00} ) {$0.00} s to my account.
Consumer complaint received 2017-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This company is reporting a credit card account on my credit reports that does not belong to me. I disputed the account with the credit bureaus and it came back " verified ''. I then sent them a letter on XXXX XXXX, XXXX ( please see attached ) requesting validation of this account and they responded with XXXX letters saying that they could not provide the information I requested ( please see the attached ).
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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 2021-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

I contacted company when I discovered that my account had been hacked, I had no results with the phone service, it is a joke. 

They have nothing but emails, and despite I had submitted the claim, and concern they denied, it said it was null and void ... ... ..??? never even looked at it. 

How did the XXXX get my money, when I have a phone and the XXXX sevice has to go to my phone ... .. and i was never noticed of any notification. 

I am a victim of Identity Theft ... ... and Coinbase should have a gate for sending funds, and an algorithm showing fraudulent activity. I have Never used the send and receive features, and when doing so it was around a {$12000.00} ... ... ... they should have denied that much money being sent do to lack of evidence showing that I only have limited experience using that feature..
Consumer complaint received 2017-11-01
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. (VA)

When we heard that Equifax was hacked into we were told to go online and request protection. I did that. Now Equifax has gone into my account and it 's a hard inquiry. If I had known this would be a hard inquiry, because hard inquiry brings your score down, I would have never allowed them to enter my credit report. I think it 's unfair and consumers should have been told that what this means is that there will be a hard inquiry into to your accounts. I would have not allowed this to happen. By not stating communicating what this would do is misinforming consumers.
Consumer complaint received 2024-02-12
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: EQUIFAX, INC. (MO)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America still hasnt credited my account in full for my missing credit and has been giving me problems pertaining to my other dispute for over XXXX as well as sending me letters that are fraudulent pertaining to what I have said. I never said I was only missing XXXX and they have been working on several disputes for almost a year now They have refused to add notes so when Ive called they have told me no notes were left etc. Someone from their bank is purposely screwing up my account and keeping my money as far as im concerned and now i cant access my account. As far as im concerned they are stealing money from my account. I want my money back and i want them investigated now.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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: EQUIFAX, INC. (VA)

I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my XXXX  profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and XXXX, but XXXX  is still reporting. 

Please help.
Consumer complaint received 2021-11-01
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. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX Inquired on XX/XX/XXXX ; 2. XXXX Inquired on XX/XX/XXXX ; 3. XXXX XXXX XXXX. Inquired on XX/XX/XXXX ;
Consumer complaint received 2021-01-20
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. (UT)

I filed a dispute with the credit agencies about XXXX reporting 16 charge offs on my credit reports but this account # XXXX and the other loan that i have had with XXXX ending in XXXX on a XXXX XXXX These both need to be Included in Bankruptcy on my credit reports since they are in my bankruptcy XXXX failed to file these claim by the bankruptcy dead line so they are not getting paid
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-02-10
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: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}