davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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. (CA)

I had a collection account with XXXX that I paid in full and current balance is {$0.00}. This account is reported to XXXX and XXXX as ''closed '' account. However, Equifax is still showing the account as ''open '' account. I disputed the status of the account with Equifax several times before and sent them a letter from the collection agency that shows the account being pad in full and ''closed ''. However, everytime I dispute the account with Equifax, they mention it is ''collection '' account it it doesn't close, which does not make sense cause that same account was closed with both XXXX and XXXX even it is collection account. I asked him to show me where in Equifax website if there is any disclosure that you can't close account because it is collection account but he could not share any policy related to that. Under Fair Credit Act, this account has been closed by the creditor and collection agencies and been reported to XXXX and XXXX as ''closed '' account. However, Exquifax is not welling to comply with this Federal mandate. Therefore, I am filing this complain against them, which is not surprising such non-compliance comes from a company leading in security breaches every time we hear of one.
Consumer complaint received 2022-08-13
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. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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 2019-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CO)

A withdrawal from wells fargo was made on XX/XX/XXXX to open a discover savings account. The amount was for {$10.00}, 000. I went to my XXXX savings account on XXXX to transfer funds from my savings to checking in order to cover a check I wrote to a roofing company. 

When I logged on to XXXX XXXX my savings account was depleted to {$.00} 2 transactions in the amount of {$10000.00} were withdrawn from my savings account One was withdrawn on XXXX and an erroneous {$10000.00} was withdrawn on XXXX from Discover. 

I called customer service 3 times to be told that it was a known error and would be put back in my account within 2-5 days I called back because this was unacceptable There was no communication to me from Discover of their " known error ''. They apologized and repeated they would restore my funds within a couple of days. I asked to speak to a manager They told me a manager would call me back. Hours passed without a call. I called for a 3rd time and asked to speak to a manager immediately.

I spoke with XXXX ( I think ) who was a supervisor. She again was very polite, repeated that this was a " known error '' but this time she promised that funds would be restored by midnight on XX/XX/10. 


I mentioned how upset I was that Discover never communicated the " known error '' and I felt very vulnerable with there lack of being proactive and to do right by me ( a new customer ). 

The supervisor said a message regarding the error detailing the issue would also be sent to me. 

Not only were funds NOT put in to my XXXX XXXX account I am still waiting on any form of communication regarding that the error. 

I feel like Discover has taken {$20000.00} from me with no explanation and a series of empty promises. 

I still cant access {$20000.00} and have no idea when it will be returned.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I suffered an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached.

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ATG Credit, LLC (GA)

On XX/XX/2021 - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and XXXX ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?
Consumer complaint received 2022-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (PA)

I received a letter in the mail from this company XXXX XXXX XXXX in regards to an alleged obligation. I am sending a notice delivered in accordance with the Fair Debt Collection Practices Act 15 USC 1692g, noting reference/account # XXXX claim is contested and validation is required.
Consumer complaint received 2022-07-02
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. (LA)

On XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX NA, XX/XX/XXXX - ( Original Creditor : ) added a derogatory mark on my credit report per XXXX, XXXX, and Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXXA, ( Original Creditor : ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (NJ)

I have had a discover credit card for almost 5 years, never missed a payment. I enjoy their services so I decided to open a checking account. I did got my card, added funds to my account. Then i get a message saying my account was closed based on business decisions. No solid answers and that my money would get sent by check in 60 days! I have a reputable history with them so I do not understand why they treated me like this.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IA)

I call them XX/XX/XXXX but said not show in the On the record and tell remove from my credit report but keep ignoring that and XXXX XXXX/ XXXX also Jefferson capital LLC and XXXX XXXX XXXX and
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I keep trying to pay my XXXX XXXX bill with Comenity and their site has been down for over a week, and their phones are down, and when I finally did get to attempt to login further, it said my account was closed. I make on-time payments on the XXXX of every month and still owe a XXXX  balance. I literally just want to pay my bill. Im so stressed out because its not letting me and nobody is answering their phones.
Consumer complaint received 2022-07-02
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. (AZ)

I received notice from XXXX that my loan application was denied based on Equifax. 
Equifax states that there are " A number of accounts with delinquencies. '' I alerted XXXX that I did not request a loan but as a result was able to see that Equifax is stating that I have delinquencies. I alerted Equifax to the issue and was directed back to the site to submit a dispute. 

I have done this prior regarding XXXX Bank and XXXX Bank where Equifax as XXXX late payments posted in 2013. Both accounts were in good standing when closed and have been paid in full. Equifax does not allow for further address of this issue on their site stating that the dispute was closed. 

Equifax should remove the rare XXXX day late payment from 2013 on both accounts and still burden my credit report XXXX years later. I have a perfect and 100 % payment history for over a decade and am not delinquent on any accounts.
Consumer complaint received 2022-06-08
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. (TN)

n accordance with the Fair Credit Reporting act Bankruptcy 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 2021-11-30
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. (TX)

Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. I referenced XXXX XXXX XXXX XXXX Fraud Class Action Lawsuit : XXXX et al. v. XXXX XXXXp. et al., Case No. XXXX, in the XXXX XXXX XXXX for the District of New Jersey . XXXXXXXX still has XXXX inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all XXXX credit bureaus to report these discrepancies. 

Under The Department of Education, I have XXXX accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, Equifax and XXXX multiple times. These XXXX accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I purchased 4 small rugs from XXXX. on XX/XX/XXXX. Within a half hour i realized I purchased the wrong size. I tried to cancel but they shipped them anyway. When received I went on line and got a XXXX #. ( return merchandise authorization ). I returned the rugs at my expense on XX/XX/XXXX. I disputed the charge with Chase, my cc company on the same day. At the end of XXXX I received my cc bill. It had a credit that said XXXX for the amount of the dispute. I went on line to my account and the Dispute Tracker was empty. I assumed the issue was resolved so I shredded all my paperwork. On XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX asking for my side of the story. It said it had to be returned by XX/XX/XXXX. This was the first communication I had from Chase. I contacted Chase and they were totally disinterested. I filled out the paperwork they sent me and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I was charged again for the rugs. 
I have been a Chase customer since XXXX, perfect credit and payment history. They did not have my back and their lack of communication was unacceptable. This problem could have been avoided with the proper follow up.
Consumer complaint received 2022-07-02
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

In accordance with the Fair Credit Reporting act Account name : XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2022-07-02
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. (FL)

XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).
Consumer complaint received 2022-06-08
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. (FL)

In accordance with the Fair Credit Reporting Act the following have violated my rights ; XXXX. XXXX, XXXX acct # XXXX XXXX & XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 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 2022-06-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  issues the XXXX XXXX card. This credit card reports only your amount balance owed, to the 3 credit bureaus, without also reporting your total credit limit. This results in your credit utilization being listed as 100 % usage for the XXXX visa card which causes your overall credit score to drop. I attempted to rectify this issue with XXXX XXXX customer service 4 months ago. I was told they do not function as a regular visa credit card since they are also a line of credit. This means they do not have to report your entire credit limit, to the credit bureaus, only the portion you have used the balance owed. I stated to them this policy is inaccurate and unfair and only succeeds in lowering your overall credit score. All financial lending products in my experience have always listed on your credit reports the amount you owe, as well as your credit available limit.
Consumer complaint received 2022-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.
Consumer complaint received 2022-08-12
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. (OH)

In accordance with the Fair Credit Reporting Act, the following are in violation of personal consumer rights : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy.

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ).

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, eleven such requests were made to XXXX and Equifax. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, XXXX and Equifax continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, XXXX continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.
Consumer complaint received 2022-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (LA)

On or around XXXX XXXX I have requested an original instrument of indebtedness from ED FINANCIAL in regards to transfer of promissory note which is already credited upon submission of application. This company has sent in a inaccurate copy of application the parent name listed in parent/guardian line has listed my younger sibling on the line. When I called from the telephone listed from XXXX the line was out of service. Please provide all parties name and assignee of information. I have not directly given this company any authorization without my consent in transfer of any electronic tenders. Please provide all original documents NO COPIES.
Consumer complaint received 2019-07-01
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: SYNCHRONY FINANCIAL (KS)

I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on credit karma and XXXX XXXX report. Inquiry is from SYNCB. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call SYNCB they tell me that it's not them and is on my report fraudulent to contact again credit bureau and XXXX XXXX.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The account information XXXX XXXXXXXX XXXX with {$1200.00} on my credit report is incorrect and needs to be deleted. I do not owe a XXXX to the XXXX at XXXX. The attached files support my position.
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (NC)

In XXXX and for XXXX I sent a Money Order by way of Coupon to cure the auto loan I have with CarMax. The company has failed to acknowledge the Negotiable Instrument on both occasions thereby allowing my account to go into a past due status with the threat of taking the collateral even though I have sent in a payment via electronic transfer in XXXX.