davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to formally dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing, and I believe its presence on my report is unwarranted. 

Upon reviewing my credit report, I discovered that some of the accounts has reported as charge-off status. While I acknowledge that there was a delinquency on this account in the past, I would like to bring to your attention that I have since resolved this matter and fulfilled my obligations to the creditor. 

I want to emphasize that the charge-off status inaccurately reflects my current creditworthiness and financial responsibility. Since the delinquency, as a result, I firmly believe that the charge-off should be removed from my credit report to accurately reflect my credit history. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to remove the charge-off from my credit report. Furthermore, I urge you to ensure that my credit report accurately reflects my current financial status in accordance with the Fair Credit Reporting Act. 

I expect a prompt response regarding the resolution of this dispute and the removal of the charge-off from my credit report. Please inform me in writing once this matter has been resolved and provide any updates or additional information as necessary. I am asking for your assisstance to remove these accounts in my credit file : XXXX/XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$7900.00} ; XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$1500.00}.
Consumer complaint received 2021-11-03
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. (NY)

I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, TransUnion and XXXX. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft. 

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

My social security number and maiden name were used by someone to open an account at Capitol One and charge {$1400.00}. I never opened an account with Capitol One or lived at the mailing address listed. ( I am a legitimate secondary user of my husband 's account with that company which I was added to after we married ). 
At some point, after non-payment, Capitol One sued the person using my name in a county court in Missouri and now there is a judgement attached to my social security number. 

I am attaching the court judgement documentation and also a copy of the legitimate account my husband and I share showing that we are in good standing with Capitol One. Any other account with my social security number is fraudulent.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

i am a victim of identity theft and i noticed a lot of inquiries on my credit report and also an account that needs to be validated by signed documents by me authorizing this account
Consumer complaint received 2020-11-09
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. (CO)

In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, XXXX, and Equifax continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ( XXXX Equifax, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from Equifax, XXXX, and XXXX in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3  credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from Equifax showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and XXXX  XXXX XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WINN LAW GROUP, APC (CA)

The Winn law group has a lien on my home and refuse to settle with me. I have made several attempts to communicate with them left several messages spoke with a representative by the name of XXXX she gave me amount owed then never answered my calls again. I want to settle and they make it impossible almost as if they dont care to settle. They have my wages garnished since 2015 and never have gotten correspondence from them to clear my debt
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX reported that on XX/XX/XXXX I owe XXXX ; however, when I called them they said it was n't my social security number, nor my address. But they sent me a credit fraud report instead of just removing the item. It was n't credit fraud, it was an error on their part, or XXXX part. I could n't fill out the form they sent since I do n't know who is responsible, or if it was fraud at all beyond their own clerical error. I tried to call XXXX, but they were no help at all, and they said they could n't remove the information.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I was recently turned down for a new car loan because of an unknown credit entry on my " Experian '' credit report. I contacted " Experian '' this past Friday and asked them to mail me my " Free '' annual " Experian '' credit report. They said, " No. That I had to PAY for it! ''
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As of XX/XX/2024, XXXX reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, XXXX  has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within XXXX to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I applied for the delta skymiles platinum card in early XXXX of 2021 and was offered at XXXX points welcome bonus with spending XXXX dollars the first 6 months due to covid. Well I made the deadline and spent the required money but I never received the bonus. I called around XXXX of the same year and was told that I was not going to receive the bonus due to a history of misusing incentive bonuses on my american express account. I asked what this was from and they couldnt tell me, nor was I ever told I wasnt going to receive the bonus until I called. They didn't even reach out to me. Later they said I was never going to receive a bonus from one of their credit cards again but once again this was never emailed to me or explained to me I had to call them just to get this information. Im wondering why I was never told what I did to not receive these bonuses, as well as when were they going to tell me if I never called, as well as why was this not resolved or even debtable other than no its not happening sorry. If this was the case I would have never even opened the card to begin with but now Im stuck with a card and no welcome bonus yet again. This was never going to be told to me.
Consumer complaint received 2024-02-15
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. (FL)

I have been recently looking into my credit reports and saw a ton of things not valid on it. I want Equifax to look at my request and remove all of these inquiries that are not mine and accounts they are reporting that are nowhere near accurate and remove them.
Consumer complaint received 2019-05-30
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: SYNCHRONY FINANCIAL (NY)

Hard inquiry from SYNCB National Credit Cards/Airlines dated XX/XX/2018 on my credit and I never applied for this card. 

Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony. So Im constantly getting the run around. Please remove this hard inquiry off my credit report with XXXX XXXX.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (NY)

I am a victim of fraud and someone used my personal information to attempt to collect credit or credit products in my name. Those inquiries consist of : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX, I noticed that there were strange transactions, repeated credits and debits on a card that should have a XXXX balance. I reached out to Hilton Honors Amex, numerous times on XX/XX/XXXX, XX/XX/XXXX and the XXXX, trying to resolve the situation. I was supposed to get a resolution within XXXX weeks. The company has never updated me on this case and it's been months. No one can explain the situation or rectify the situation, just telling me I owe over {$1100.00}.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MN)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX  ) with account # XXXX ( Date Opened : XX/XX/2021 and Balance : {$640.00} ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NJ)

XX/XX/XXXX, opened line of credit with JC Penney department store with Synchrony Bank managing the card. Listed wife, XXXX XXXX, as authorized user. JCPenney transferred the account XX/XX/XXXX and transitioned the line of credit to another JC Penney card, also from Synchrony Bank. 
Currently, both I and the authorized user are missing seven years and five months of credit reporting history ( XXXX XXXX XXXX  ), impacting our length of credit and therefore impacting the credit score. JCPenney is reporting the length of credit history beginning with XXXX. 

XXXX requires a credit history of 25 years for an " excellent '' rating for age of oldest credit line. Without the missing nine years of JCPenney credit history, my authorized user has an oldest account listed as 17 years. Adding the seven years of history with JCPenney will allow my wife to demonstrate length of credit history of 26 years. This will have a positive impact on both our credit scores. 

A letter sent to JCPenney in XXXX, XXXX, requesting a change to their reporting, has gone unanswered.
Consumer complaint received 2020-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Innovate Managed Holdings, LLC (GA)

I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. Innovate Loan Servicing CORP. and XXXX  XXXX is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used racist connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XXXX of XXXX I was the victim of identity theft. 
Capital One Auto took two unauthorized withdrawals ( ACH ) from my checking account XXXX at XXXXXX/XX/XXXX in XXXX Wisconsin. The first on XX/XX/XXXX for {$1300.00} Capital One 's reference number on that withdrawal was XXXX XXXX. The second on XX/XX/XXXX for {$1300.00} Capital One 's reference number was XXXX XXXX. I contacted Capital One and they siad I should fax the documentation to XXXX which I did on XX/XX/XXXX. They told me it would take up to 45 days to get my money back. I never received the money back. On XX/XX/XXXX they attempted another ACH in the amount of {$1300.00} their reference number Carpay XXXX. My bank refused the transaction. 

I did file a report of identity theft in XX/XX/XXXX with the FTC and my local police department. 

I waited 45 days to follow up on my claim with them but I did not keep a log of my calls. I should have, but all of them ended up with me not getting to talk to a person that could or wanted to help me. 

I attempted to contact Capital One ( numerous ) about the status about the first two withdrawals but all attempts to get help failed, no one said they could help. After voice prompts and finally getting to talk to a person several times they said they would transfer me to someone who would help, but all I got was 15 minutes of music each time, then 3 clicks and the call ended. 

I again faxed them on XX/XX/XXXX ( the number they gave me back in XXXX ) and asked for them to contact me, and I lincluded documentation for all three fraudulent ACH 's. I am not getting any response. 

My attempts to talk to someone at Capital One yesterday XX/XX/XXXX and today XX/XX/XXXX also failed to get any action or hope of contact. 

I did recover unauthorized ACH 's from numerous other companies and banks back in XXXX, but nothing from Capital One Auto. I am frustrated that every time I attempt to call them I get a dead end. Clearly they can tie these withdrawals to the person that initiated them and apparently they didn't even bother to investigate my first claim or flag the loan that the payments were paying as suspicious. 

My original fax to Capital One only contained documentation for the first withdrawal, I mistakenly assumed both would be refunded, but neither of them were refunded. 

Clearly they are able to identify the person that initiated the withdrawals but obviously they don't care to. They a facilitating theft. they claim to care about fraud, but they don't.
Consumer complaint received 2021-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM XXXXXX/XX/XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XX/XX/XXXX TransUnion andXX/XX/XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2020-12-07
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. (FL)

On XXXX XXXX 2020 Filed an dispute with XXXX  and Equifax disputing Collection account by XXXX XXXX XXXX one in the amount of {$1100.00} and the second account in {$790.00} I Have NEVER HAD AN CONTRACT OR ACCOUNT WITH THIS COMPANY EVER THIS INFORMATION IS FALSE AND NOT MINE! UNDER FAIR CREDIT REPORTING ACT THIS IS A VIOLATION BY BOTH XXXX AND EQUIFAX! XXXX  HAS SINCE REMOVED THE ACCOUNT IN THE AMOUNT OF {$790.00} AND NOT THE OTHER AND EQUIFAX HAS FAILED TO REMOVE ANY OF THEM
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I first contacted Jefferson Capital Systems XX/XX/2020 about an inaccurate and unverified account from XXXX for {$640.00} I saw on my credit reports. I included the account number and what was listed on my credit reports by their company. They responded on XX/XX/2020 sending me a totally unrelated bill that is not listed on my credit reports at all, and had none of the information or account numbers I sent them that they are reporting to the credit bureaus. I again sent another certified letter XX/XX/2020, telling them they sent an unrelated account as validation, again listed the account I was disputing as shown by their company on my credit reports and asked them to remove the inaccuracies as they could not verify it. Jefferson Capital Systems responded on XX/XX/2020 sending yet again another bill that had no identifying information to link it to me, and a bill thats not even in my name, nor bears my signature, or verifiable proof as a means of validation. They are continuing to report this unverified account on my credit reports. I have also asked for their bonding agency information so I can file suit, and they have ignored that request as well.