davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
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. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute
Consumer complaint received 2018-03-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
Consumer complaint received 2018-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current (NJ)

I opened an account with the app current bank, I received an email that the card was delivered I never received the card I reached out to the support team and they wanted me to verify the information I couldnt verify the information because I did not receive the card someone chnaged my information without my consent
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

XXXX has an open account that I did not sign up for credit with. They used themselves as a default payment when I used another payment method. XXXX auto used subscription I did not authorize after canceling subscription. XXXX listed itself as different names and I had no idea who the debt Iwas actually acused of owing. XXXX sold my debt to at least XXXX company I know of, Portfolio Recovery LLC, now sueing me without prior attempts to contact me. I was served when I was not home and a contractor was at the home. They left it on the porch as XXXX XXXX. I replied to the Answer of the complaint filed against me. I also filed timely during discovery and sent my admissions on time to them and the court. I have email and USPS proof of delivery and date. Portfolio Recovery LLC claimed the lawyer representing them never recieved it and filing to get a default judgement. They have now switch the lawyer. None of this seems legal or makes sense. Especially when I have proof of payment for the few items they listed in discovery. Luckly I have my XXXX receipts with payments through the cards I used. But XXXX claims I never paid it and has it as a a balance owed with the account open even after selling the debt that isn't real. I do not know how to fight this corruption and fraud in court. I also do not have the time or resources. Every time I try the file something new making it hard to respond to motions. They are using the system to get default judgements illegally under the same format that your company sued and won in 2015. I have no idea what to do and it is ruining my life and making work impossible. Causing extreme emotional stress and loss of time. I am an only parent single father. This seems like abuse of power when I never even had a credit account with them but they created one.
Consumer complaint received 2022-11-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and mental state are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022
Consumer complaint received 2024-01-22
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX and Experian.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-05-20
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX XXXXXXXX {$1400.00} has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-21
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. (IL)

I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I applied for an American Express XXXX card on XX/XX/2022 and was denied credit based on my XXXX score. I responded back to American Express 's denial letter with an adverse action letter explaining to American Express according to the Equal Credit Opportunity Act adverse action is against the law and can be found in 15 USC 1691c and is pursuant to civil liability under USC 1692k.
Consumer complaint received 2024-01-22
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. (FL)

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 2022-11-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HAWAIIAN, INC. (HI)

I tried to email First Hawaiian Bank to get a new account information packet mailed to my home address XXXX the messaging feature on my online banking. I opened the account on XX/XX/2022 and the Banker XXXX XXXX did not give me a new informational packet with the list of fees listed. He did however give me my account card with my Account number for the First Hawaiian Online Banking Sign up. I still have not heard anything back from the Bank Customer Service about my account information request. I keep new account informational packets for my records to show what banks I opened and the list of fees if and when I get charged fees that I do not recognize. Please also note in the screenshot I have uploaded with my account transactions the XX/XX/XXXX with the XXXX dollar deposit is the opening deposit I made when opening this Regular Savings Account with First Hawaiian Bank.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this message finds you well. I've followed all the necessary steps to address the issues with the disputed accounts. I've contacted the bank, and they claim it's resolved. Law enforcement, through Identitytheft.gov, has validated the identity theft report. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. However, the ongoing impact of identity theft is causing significant emotional and physical distress, affecting both my personal and work life. I'm reaching out to the credit reporting agencies to ensure this matter is handled properly.
Consumer complaint received 2022-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

The Capital One/Neiman Marcus Company placed me as an authorized user on someone's store credit card on XX/XX/XXXX. I did not give Capital One/Neiman Marcus my signature or verbal authorization to add me on a credit card I did not apply for. This company has put late payments and delinquencies on my Credit Reports, and I do not know how they even got my personal information to report to the Credit Bureaus. 

On XX/XX/XXXX, I sent this company a validation letter by registered mail. I gave Capital One/Neiman Marcus 30 days to respond to my requests. I checked my tracking number and confirmed that they did receive my letter. As of XX/XX/XXXX, I still have not heard from them.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I had a voluntary security freeze on my credit reports. On XX/XX/2018, I called Equifax to request a temporary lift of the security freeze for an authorized credit inquiry. I was told the freeze was lifted, and received a confirmation number. The inquiring party was not able to obtain my Equifax report on XX/XX/2018. I called Equifax again, received a new confirmation number, and was told the freeze had been lifted. The inquiring party attempted again to obtain my Equifax report, and was again denied. Equifax does not appear to provide any other avenue of communication.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (NJ)

I want to apply for Amex 's Blue Cash Everyday card, yet its website will not allow me to. There is nowhere to print out an application. In order to use its online application, I need to already have an Amex card, which I do not. I want to apply myself and get a hard copy of the completed application, yet there is no way to do this. I should not be forced to call AMEX to apply for a credit card. I should be allowed to complete an application myself for any credit card it advertises. This is not the case. 

AMEX engages in false and misleading advertising. 

See : 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE ()

BarclaysUSCard XXXX XXXX This card was used to put a substantial payment to XXXX XXXX XXXX if XXXX on XX/XX/XXXX. I have XXXX XXXX XXXX XXXX XXXX and this was a possibility to try to repair XXXX parts of my XXXX. Besides the fact that it didnt work, the treatment triggered my XXXX XXXX which Ive XXXX with since XXXX. It is XXXX XXXX  and because its so rare, the XXXX XXXX XXXX XXXX puts me in the incorrect best practice guidelines, codes it wrong in the XXXX, and then proceeds to make it worse. I was XXXX  from XXXX XXXX XX/XX/XXXX with massive XXXX  mistakes. My payments were falling behind because of my severe XXXX XXXX By XXXX I was trying to get back at work for the paycheck, called the credit card company for help and assustance. On the due date XX/XX/XXXX, I called and spoke to a representative XXXX ID # XXXX. I told her I did NOT want to close the account but needed help figuring out how to take care of this. She obviously did NOT know her job as she had to get off the line over and over and over. XXXX steered me in the direction she said would NOT close the account, TOOK a payment, and I thought we were on the way to a better place. Instead. The account was closed and I didnt even know and the scheduled payment was taken and the next XXXX  paid also. When I logged in to the account in XXXX is when I learned it was closed. I went back into XXXX  in XXXX on XXXX XXXX XXXX, XXXX for my XXXX XXXX  trying to connect with XXXX XXXX of times. 

I have called XXXX of times asking for the call to be pulled, asking for email communication ( I am a XXXX XXXX XXXX, I am in XXXX, we can not take calls, and they wont call my XXXX number ). 
Here is the list of calls, dates, names, ID # XXXX  XXXX, XXXX XXXX # XXXX Payment Confirmation # : XXXX XXXX XXXX found out account was closed. 
XX/XX/XXXX XXXX # XXXX XX/XX/XXXX asked for XXXX XXXX XXXX # would NOT give it said she was a supervisor XX/XX/XXXX XXXX # XXXX  asked for XXXX. This one hung up on me. 
XXXX XXXX XXXX  ( cant find dates ) XXXX # XXXX XXXX # XXXX not give it XXXX # XXXX me that NONE of the communication had any mention of XXXX, her ID, dates, or request to pull the call. 
XXXX XXXX XXXX # XXXX put me back in the XXXX wouldnt answer questions then : XXXX # XXXX inappropriate conversation with me then : XXXX # would not give. This one refused yo give ID, provide escalation, file a complaint. Refused to help entirely. 
XXXX XXXX XXXX, XXXX. In XXXX XXXX for XXXX XXXX, then discharged so I try to save my career and job, then XX/XX/XXXX XXXX # XXXX Hung up on me. 

I need help. The XXXX XXXX XXXX more than likely will need to refund that huge charge. That is NOT going to happen with this account closed. It was closed against my clear, distinct choice and effort. I need this account reopened and this company to admit the error of one of their representatives.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to urgently address a matter regarding my credit file. After contacting XXXX XXXX XXXX about an account on my credit report, it's evident they can not provide records for the mentioned account XXXX XXXX XXXX XXXX XXXXXXXX ). Despite this, representatives from XXXX XXXX XXXX acknowledged the situation and agreed to update my credit file.
Consumer complaint received 2023-05-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy. 
Equifax as well has violated my rights as an consumer 15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (NY)

An Affidavit of Fact and Cease and desist notice has been sent to Marcus by Goldman Sachs their correspondence address for debt verification/validation request on XX/XX/XXXX to provide proof of a debt allegedly owed. The account in question was first initiated by my personal/private identification and credit card information ( truth in lending act ). My household partner XXXX XXXX and I have made payments on this account for 12 months straight beforehand, upon fruther investigation billing errors were found including but not limited to Marcus by Goldman Sachs failing to provide me with General Disclosures which are requirements and is a violation ( among others ) by the Code of Federal Regualtions. There must be further investigation of this matter and will continue to seek relief to peacefully resolve this matter.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Knight Adjustment Bureau (UT)

This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX, my Experian XXXX score dropped XXXX points. Nothing had changed except that I had filed a dispute against a lender for reporting over 90 days of missed payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My chapter XXXX bankruptcy was filed on XX/XX/XXXX, so this company should not have reported missed payments during bankruptcy. Experian did not take the time to compare its own data. After the dispute, the lender removed the missed payments, but reported that my bankruptcy occurred in XXXX of XXXX instead of XXXX of XXXX. This recent delinquency dropped my XXXX score by XXXX points. I am in the middle of negotiations for obtaining a mortgage, and this incorrect reporting could ruin my chances. Experian did not compare its own data before dropping my credit score. Additionally, Experian uses potentially missed payments as an excuse to drop scores. A couple of my previous lenders reported the XX/XX/XXXX Chapter XXXX bankruptcy, and Experian is counting each of those as a potentially missed payments. This is lowering my score. The report already includes the public record of my bankruptcy, why should each creditor get to lower my score even more?
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (OR)

I am a victim of ID Theft, I reported it to BMO on XX/XX/15. They told me no accounts were opened but come to find out a savings and checking account were opened. They blocked and closed the savings but left the checking open until I called today. They violated UDAAP, FACTA and FCRA regs by being dishonest. Now I need to have inquiries removed from my credit and XXXX and XXXX.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Ive had capital one account for ten years. They most recently had data breach in XXXX On or about XX/XX/XXXX I disputed and unauthorize charge in the amount of XXXX and was told my account would be close and charge was validated without any evidence after my money was taken from me
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act, XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-07-15
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. (NV)

In accordance with the Fair Credit Reporting act, XXXX  Account # 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 an account without my written instructions