davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

In XXXX of XXXX I received 4 cards issued by American Express Prepaid Card Management Corporation, XXXX XXXX XXXX XXXXXXXX. Website www.amexrewardcard.com. With a listed address of XXXX XXXX XXXX, XXXX, GA XXXX. 

Rewards cards we issued in the amounts of 3 X {$100.00} and 1 X {$50.00}. There is a balance that shows online and available for each of these cards. I have been told this card can be used at numerous retailers but it is declined at each retailer. 

I am currently unable to use the cards there is an expiration on these cards as of XX/XX/XXXX. 

Each of the retailers attempted accept American Express cards ( XXXX, XXXX ). 

I have been unable to get assistance or resolution from a team member, supervisor, or manager. Ref : Case # XXXX & XXXX. 

I am unable to get assistance as to why these cards are being declined at each of the retailers from American Express Prepaid Card Management Corporation even when following all published directions on their website.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There was an invalid placement on my credit report of a bankruptcy that stayed for over five years and is currently on my report. the bankruptcy had been dismissed and terminated and was not subject to any adversary actions after requesting investigation proof from XXXX XXXX, as well as XXXX. I was told multiple times the bankruptcy was filed as valid when I requested the proof of investigation I was told that they were using pacer to validate the information, this is not a valid source according to the FCRA. The bankruptcy has been re-dated multiple times. I have notified XXXX as well as XXXX XXXX. The original filing of the bankruptcy in question was XX/XX/XXXX. XXXX XXXX and XXXX continued to report knowingly. It has caused me distress and inability to obtain credit. There is a {$0.00} liability clearly displayed on the account. There has never been an attempt to contact the treasurer. I have never received a response of results from my disputes after my first original dispute. The report that XXXX and XXXX XXXX displayed from XX/XX/XXXX to XX/XX/XXXX is in accurate and incomplete.
Consumer complaint received 2024-02-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-10
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 2024-02-10
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (OR)

My loan servicer sold my loan to Carrington Mortgage. They failed to provide me with the account information needed to make payments online even though I havent missed a payment since buying my house and have been on autopay. The new loan company also closed my loan which caused my credit score to drop over XXXX points due to the loan servicer changing. They were rude when I called to request account information to be able to make a payment. When I mentioned the XXXX grace period the agent became upset and told me I was behind on my account and she was trying to collect a debt. This is unacceptable.
Consumer complaint received 2024-02-08
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. (IA)

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 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 2020-08-19
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. (OH)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
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 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. (IL)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo as a means of retaliation has started to harass me with an email insisting I owe them for charges they paid on their own free will and against my authorized consent. They refuse to provide proof of my alleged misuse and an explanation as to why my account was charged without over draft. They insist my cards were closed to avoid loss but ignorantly paid out over {$3000.00} to XXXX XXXX. The first error they made in XXXX there was no backlash. Now because I've fought back and spoken up I am being threatened and harassed with a debt they willfully incurred. It's retaliatory and I will not allow Wells Fargo to bully and harass me. They have lied about investigating the matter and failed to render a precise and thorough investigation. Had they done so the recorded call that I placed where I was told my cards were canceled due to my being attacked nothing I did would've been found and reviewed. However they never asked for the exact date and time. Now they are adding insult to injury and increasing my stress level with this frivolous collection notice. They chose to pay charges it's their responsibility to cover it due to my being the customer. But it proves that my financial status doesn't support my being a valued customer. It's discriminatory, XXXX, retaliatory and absurd.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

i have provided proof to the lender and XXXX  of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I think the take away from this is Chase bank stopped the wire transfer on the first attempt with concerns of security fraud. When I wanted to know the concerns I was given a peace of paper with genetic information about crypto currency fraud Chase should not have allowed the transfer with the information they had about this company and the security certificates they had in their possession at the time of the {$30000.00} dollar transfer. 
Had a woman contact me on XX/XX/XXXX at XXXX XXXX  through XXXX  stating she was a friend of a friend name was XXXX XXXX XXXX immediately noticed that her name on the book she was holding in her photo was different XXXX. XXXX, XXXX stated she was in America to help her daughters in XXXX XXXX XXXX, XXXX XXXX area open up a second store that they also have in XXXX. We talked for several months prior to her, introducing me to crypto currency, and directed me to use XXXX as the exchange it started out slow as you may guess my suspicions are really high, and there are no problems at all. We made a couple of pretty decent returns and more money invested more money invested I was dragging my feet. Thats why the transaction dates are spread apart, but it continue to make returns and show the returns in the my account but when I went to the returns out I was unable to remove any money from XXXX XXXX. This person ( XXXX ) talked me into a loan from XXXX, in the amount of $ XXXX which I sent to chase bank and put in saving account Later creating a wire transfer Ive had all the transcripts from day one where we started chatting on XXXX to. Switch to XXXX on XX/XX/XXXX to when she quit talking to me on XX/XX/XXXX asked if I was willing to put more money into the program and I said no and her response was OK I get it. Im ready to go have dinner now and havent spoken with her since when I tried to remove money from XXXX theres always an excuse on why it cant be moved from the equipment is down for maintenance to now the excuse is I havent paid any income tax on it so I cant move it and when I asked where the taxes be paid because there is nowhere on the site for taxes to be paid, I havent gotten no response other than someone saying ask a legitimate question? so my balance on XXXX showing {$100000.00} and of course Ive got copies of that as well Cell So I guess the way that the scam must work is you can get your money in there and it shows that youre making money but youre never allowed to pull it back out Wire transfer for {$30000.00} was made on XXXX XXXX through Chase bank XXXX AZ
Consumer complaint received 2021-06-21
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: CCS Financial Services, Inc. (OH)

Credit Collection XXXX  XXXX XXXX XXXX I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2020-01-18
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. (MA)

All of the major credit reporting services refuse to remove a XXXX account that shows an amount due of {$130.00} when the amount owed is XXXX. I had ongoing disputes with XXXX and they ignored my multiple requests to close the account and CREDIT me for defective copper cable and other service deficits. This is a telephone utility, how is this listed as a credit account? My score dropped about 40 points because of this fraud perpetrated by XXXX.
Consumer complaint received 2024-02-08
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 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 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 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 promptly. 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

On XX/XX/20, I applied for a credit line with XXXX to get the money to repair my roof. XXXX denied the application because they said Experion had sent them a report saying I had no credit cards or rotating credit lines. I actually have 3 credit cards, student loans, and auto loans that were all missing from the report. When I called Experion, they checked and said they could see all of my credit cards and loans. The person on the phone verified all of them with me. They told XXXX to call them to verify the correct information. XXXX is not capable of doing this, so I asked Experion to please send the correct report to XXXX. They refused and insisted on just sending me my credit report even though I had already verified what was on it. 

Experion 's incorrect reporting of my credit information to XXXX cost me a line of credit that would literally put a roof over my head and refused to correct its own mistake.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have reached out to Capital One in XX/XX/2020, asking for validation Of debt for the {$19000.00} balance they have listed on my credit report with all three bureaus. In response on XX/XX/2020, they requested proof of identification. In response to the requesting proof, I send proof of identification along with the same letter asking for proof of debt. Capital One proceeded to respond with a letter on XX/XX/2020 asking for proof of identification again. I responded with proof of identification once again and a follow up letter on XX/XX/2020. Capital One proceeded to respond to my letter on XX/XX/2020 by asking for proof of identification for a third time. Capital One has yet to respond to any of my letters Ive been mailing in to them since XX/XX/2020.
Consumer complaint received 2016-09-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.
Consumer complaint received 2024-02-08
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. (AZ)

I just viewed my recent credit report from XX/XX/2024 and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence. 

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

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 2021-03-10
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. (WV)

I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.XXXX XXXX sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.
Consumer complaint received 2024-02-08
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.