davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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)

The items listed below are reporting on my personal credit file and were found in myreports with XXXX, Equifax and XXXX credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX/XXXX  XX/XX/2021 XXXX
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

I, the natural person IS NO RESPONSIBLE FOR THIS DEBT. I keep receiving mail saying i owe this debt. 

all information is included in the affidavit of true pertaining to where this company went wrong.
Consumer complaint received 2022-07-16
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. (TX)

The items listed below are reporting on my personal credit file and were found in myreports with XXXX, XXXX and TransUnion credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX XX/XX/2021 XXXX
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (CA)

Three separate collections were reported to Experian in XX/XX/. These are all related to one medical account, that is now over 15 years old. I disputed the charges with the original creditor at the time, and with a subsequent collection agency 10-plus years ago. This appears to be an attempt to re-age disputed debt by a new collection agency, with a spurious date of delinquency.
Consumer complaint received 2022-11-23
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: NCB Management Services Inc. (OK)

There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : NCB MANAGEMENT SERVICE # XXXX This account is tied to XXXX XXXXXXXX # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by NCB MANAGEMENT SERVICE that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
Consumer complaint received 2020-11-24
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: CAINE & WEINER COMPANY, INC. (PA)

I asked XXXX to remove this incorrect information off my credit report as it is slowing down my process of succeeding & not only that the information is not mine nor have a got ta validation or it has been verified and its been over 90days of disputing.. please help immediately Caine & Weiner is the account for {$660.00} ..
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I deposit check amount XXXX to my personal account and the bank is holding my account for more than 15 days and I call many time no one give me clear answer why the holding the check and I call the attorney who give me the check he said your bank took the money form his account
Consumer complaint received 2022-11-23
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: CITIBANK, N.A. (TX)

APPLIED FOR CITI CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

They restricted my account from me using my card its not fair when Ive sent them documents already before approving my application they requested and verified and mailed my new account and then restricted me again wanting the same documents this Makes no sense when Ive already provided them the documentation to verify its me when I call customer service they refuse to help this isnt fair
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to XXXX XXXX. 

In XXXX, I get a call from XXXX XXXX that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA Veh Code 11709.4 ( 2022 ), a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of 2022 as the vehicle should have been paid off in XXXX. 

I then spoke with XXXX XXXX and told them I traded in my vehicle on XX/XX/XXXX of 2022 and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with XXXX to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and XXXX to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.
Consumer complaint received 2022-11-23
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 (CA)

I got an " upgrade '' bonus point offer ( {$4000.00} ) from American Express last year with some spending requirements, which I took. What a mistake! American Express took the yearly membership fees from me on XX/XX/XXXX. And I spent to meeting the spending limit of the offer. In my recent XXXX statement, I got renewal yearly membership fees again. I do not want to pay the membership fees again for another year. So I called to cancel the card. The customer agent told me that if I just downgrade my card again, the points will remain. However, on XX/XX/XXXX, I got a notification from AMEX that all my XXXX XXXX upgrade bonus points were removed because I didn't maintain the card for a year ( which they claim would happen in XX/XX/XXXX ), even though my second year membership is charged on my account by prorate already. This is ridiculous. They cheated my points away on a technicality. Is it not the company 's responsibility not to charge the 2nd annual membership before a year is passed? And is it not the company 's agent responsibility to inform the customers that they will lose points from the account if it is a few days too early to downgrade the card? And why are they charging " yearly '' membership fee twice within a year? The practice is so shady and I can not believe it is from $ XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-04-19
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. (PA)

I did not consent to, authorize nor benefit from any of the following account. Block and remove them. 


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
Consumer complaint received 2022-08-13
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-02-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked. 
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00}
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

Investigation from XX/XX/2022 resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I went to this bank to apply for a savings account and I was declined based on a chexsystems report with the following codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called chexsystems customer service line to find out what do these codes mean they told me it was about fraud or fraud history. And that I opened alot of savings accounts but I'm in currently good standing with all my accounts. I do not understand why this is negatively reported on my report. I have never engaged in any fraudulent activity or have had issues regarding to fraud and bank accounts, so why is Chexsystems reporting this inaccurate information about me?
Consumer complaint received 2022-08-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I have been disputing this account for some time now with Caine and Weiner. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I emailed the XXXX of the bank, expressing the problem, they emailed me back saying that they will try to resolve the issue, but there is no guarantee that it will not be happening again. I'm the one always making those transactions, I never give any of my personal information out to anyone, and I have told them that, I don't know how many times. If this continues, I will leave the bank, and also why can't I apply for a credit card? I get denied everywhere.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

I was a victim of Fraud At Citibank, they presented 3 Totally Fake checks ( My name and surname are not those on the check, the checking account # does not match, it is from my Savings, the Signature of the other signatory is false, the checking account does not I had a balance to pay, it does not have the due endorsement ) 2 of the checks could be reversed, leaving one pending for {$31000.00} from XX/XX/2022 reported on XX/XX/2022 when I noticed. Being the account BLOCKED BY THE FRAUD DEPARTMENT, on XX/XX/2022 they withdraw {$79000.00} in CASH, leaving my account at " XXXX '' everything is reported to the fraud department, the documents that they requested plus all the evidence that I found have been sent in my account, today 3 months later I do not have an answer or refund of my money... I need help. They are the savings of my whole life and I live from them, I live in XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: YSA ARM LLC DBA Oxygen XL (IN)

The following company has sent a letter stating a debt owed, I was unaware and have been a victim of identity theft. 
Oxygen XXXX has stated I owe XXXX XXXX in the amount of XXXX $ I am unaware of this company. 
I spoke with XXXX, he threaten me with collections reflecting on credit reports also threaten me with jail.. He also wouldnt agree to send me signed agreements providing proof of this debt. 
I have never lived in Illinois I have lived in Indiana all my life
Consumer complaint received 2022-11-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (NC)

american first finance keeps reporting balance of me having to owe them XXXX dollars as of XX/XX/2022. XX/XX/2022 they responded to a previous cfpb complaint that the account was paid in full with a monetary relief. now i am asking them to not only stop reporting this account but also refund me all of the money they took from me and to give me the monetary relief they promised that i never received.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

Dear Sir/Madame, At XXXX of XXXX I sent a payment in XXXX dollars from my account in XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) via the Bank of New York Mellon XXXX It was a payment for buying a car XXXX XXXX XXXX 
Amount : USD XXXX Transaction Reference Number : XXXX This payment was not received by the payment receiver. 
Please, let me know how I can get back my money or deliver money to the receiver. 
Thanks in advance. 
Best regards. 
XXXX
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC (SC)

I called Sequium asset solutions to see If I could speak to a supervisor about getting a settled debt possibly removed. The agent got really mad and tried to start a argument so I repeatedly asked this agent to speak to the supervisor so I can resolve this issue and move on with my life. THE AGENT STILL WOULDNT LET ME SPEAK TO THE SUPERVISOR, just being evil. PLUS, I asked for paperwork of me paying for the debt, they told me that they would email it to me and received that yet.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I gathered my recent credit report from all 3 bureaus : XXXX, XXXX and Experian and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and XXXX have the same date of last date payment XX/XX/2017. Now, Experian has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

PRA states that is sent verification of debt sometimes in XXXX of XXXX. Attached a copy of a letter that was mailed to my current address. I was living at this current address in XXXX so PRA is sending falsified documentation with my current address. I recently moved to this current address in XXXX.
Consumer complaint received 2022-07-15
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. (LA)

I gathered my recent credit report from all 3 bureaus : XXXX, Equifax and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, XXXX and Equifax have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Store credit cards, specifically XXXX and XXXX, do not allow for auto pay or recurring payments. This is an issue for someone such as myself who is attempting to take care of bills for an elderly member of the family. This is not a difficult feature to add. I feel like it should be mandatory to offer an auto pay feature. The stores that do not are likely just hoping that you forget to pay the bill to charge you the late fee.