davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I want credit bureau to include my statement on the report. 

This is my statement : I, XXXX XXXX under oath and penalty of perjury declare that I am a victim of a financial crime. The information about the outstanding balance, late payments and charge offs, though correct is NOT due to my negligence or abuse of credit. All of it is due to cumulative effect of the financial crime against me. I have been and will continue to pursue all legal venues to fight this injustice against me with state, local and federal law enforcement agencies and courts.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-11
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: Midwest Recovery Systems (LA)

I checked my credit report and noticed that Midwest Recovery is on my credit report. I obtained their number from conducting research. I also obtained their address from the XXXX XXXX XXXX as it is as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I have disputed this debt in the past. It appears that this company has modified the date to XX/XX/2020 as if I opened a Payday Loan on this day. I have no reason to get a Payday Loan. I have no financial need for a Payday loan. 

If you go to XXXX  website or to XXXX period, you will see that this company has some illegal business practices going on and appear to be conducting business in a " sketchy manner '' to say the least. This is not my debt. I did not get a Payday loan on XX/XX/2020. 

Also, for future references, how long can a debt stay on your credit profile? Can a company purchase debt that is over 7 years old?
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I opened an account with US bank Usbankcorp. Depositing over XXXX in less then two months. However US bank practiced predatory behavior in applying over {$1000.00} dollars in over draft fees, additionally they took back an approximate {$1200.00} credit I had recieved after reporting a string of unauthorized transactions. Additionally none of the ove draft fees should have ever applied.i was plus in my account, approximately {$800.00}, and then minus {$700.00} just by predatory overdraft fees.
Consumer complaint received 2020-05-10
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2020-05-11
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. (MN)

Im receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2023-01-20
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. (OH)

All 3 credit companies have been notify several times that they are reporting Late accounts that were fraudulently charge I have notified the creditors and credit companies to remove these accounts from my credit profile I have also sent a letter to the credit card company Initiating my permissible purpose rite under the fair debt collection practice act to stop reporting late payment and to remove the credit reporting of those particular accounts please instructed credit companies to update my credit report accurately and remove all late and collection payments thank you.
Consumer complaint received 2023-01-20
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. I am complaining again to remove the items indefinitely Here are the Aforementioned 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
Consumer complaint received 2023-01-22
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-20
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)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Consumer complaint received 2023-01-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I have a collection balance of XXXX on my report that I have no authorization of I have disputed it multiple times but nothing happened I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and accurate to XXXX XXXX XXXX ( XXXX ) I waited 30 days and received my investigation and notice everything was still the same. the consumer reporting agencies which is, Experian, and did not modify or remove anything The date open is not correct, date last active not correct on credit report which is XXXX is impacting me from moving forward buying a house for my family starting my business etc. I attached my previous report to show how Experian violated my rights.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

PayPal permanently banned my account. I comply with their legal agreements and Acceptable Use Policy, but they instantly shutdown my account without prior notice. I don't have any filed cases and disputes with my account. I just don't know why they have to do this kind of act, they suddenly banned my PayPal account, without me knowing what did I do wrong that violates their policies?

So I hope they restore my PayPal account because this is not reasonable, banning my PayPal account instanly, while I am complying their legal agreements. I didn't do anything that will go against their policies.
Consumer complaint received 2023-01-20
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)

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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)

MY LANDLORD STOLE MY IDENTITY AND USED MY PERSONAL INFORMATION THAT I USED TO VERIFY MY IDENTITY TO MOVE IN AGAINST ME. I LIVED IN AN XXXX  YEARS AGO WITH THE OWNER OF THE HOUSE ACTUALLY LIVING THERE AS WELL. I NOTICED AS TIME WENT ON THINGS STARTED MISSING FROM MY ROOM SO I INSTALLED A HIDDEN CAMERA. XXXX XXXX I WENT OUT OF STATE TO VISIT MY GRANDMOTHER AND THE LANDLORD CLAIMED HE HAD FRIENDS OVER AND "SOMEONE MAY HAVE WENT INTO MY ROOM" BUT IT WAS HIM. HE WAS ALSO THE ONLY OTHER PERSON WITH THE KEY TO MY ROOM BEING THAT IT WAS HIS PLACE. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.





FRAUDULENT ACCOUNTS:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I had the Citi American Airlines AAdvantage Executive Mastercard. The charge for the annual fee, in the amount of  {$450.00}, posted to my account on XX/XX/XXXX. On XX/XX/XXXX, I paid the balance of the statement, which was the charge for the annual fee. On XX/XX/XXXX, American Airlines closed all XXXX XXXX locations. This is the distinguishing benefit of this credit card. On XX/XX/XXXX, I contacted Citi to inquire about a credit to my account due to the XXXX XXXX closures. At that time, I was told by the representative that no credit was being offered. I was enticed to keep my card open, as there would be positive changes to be announced in the near future. 

On XX/XX/XXXX, I read online that Citi would be offering a {$220.00} credit to card holders. However, there were two stipulations : 1. This applies to those who had an open account as of XX/XX/XXXX. 
2. The one-time {$220.00} credit will be issued when the account was renewed. 
This information was released on approximately XX/XX/XXXX. However, I did not receive an email from Citi, nor was there any form of communication by Citi to me. 

On XX/XX/XXXX, I contacted Citi to ask for the {$220.00} credit to be applied, as my annual fee was applied in XXXX, two months prior. However, I was told this could not be done and that the credit would be applied in XX/XX/XXXX! There was nothing that they could do until next year. I feel that this is unacceptable. I had paid the annual fee in XXXX, and one of the primary benefits of the card is not accessible. And they would not be able to issue a credit to my account for 10 months!? I then told the Citi representative that I wished to cancel my credit card. However, no portion of my annual fee would be returned. There would not be a pro-rated refund. I am incredulous at this. Canceling my account on XX/XX/XXXX, means that for 9+ months, I will not be using this card. For Citi to keep the entirety of my annual fee is not just.

Please look into this issue and help me to resolve this matter.
Consumer complaint received 2020-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

My Loan was originally held by XXXX XXXX mortgage, and transferred to New Rez. 
During the transfer process there was an overpayment in my real  estate taxes as well as village tax to the town. Starting XX/XX/XXXX I began my inquiry to obtain my refund. I was informed an investigation would take 2 weeks. I have been doing all the steps i was told by the customer service representatives regarding my issue. It has been two months and I have still not received my refund. In addition to not receiving my refund, the error in the overpayment has triggered a deficit in my escrow account causing my monthly payment to increase, and adding more unnecessary funds to my escrow account to satisfy the overpayment error Each time I contact customer service, l am told that i must wait for a call from the tax department to get the status of my refund. It has been over 2 months and i have no refund or call back from lender. Now that Covid-19 pandemic is happening, the mortgage company has been overwhelmed, and Im worried i will not get my money returned or my issues with escrow resolved. My last call was XX/XX/XXXX. I was given the run around regarding my refund and told i have to continue to wait and I must keep paying my mortgage or file for mortgage assistance Please help.
Consumer complaint received 2023-01-20
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. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settledXXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I recently opened a new checking account with XXXX XXXX XXXX XXXX which allows me to view my credit score dashboard. I noticed that my closed capital one account that I paid off is still showing on my credit report with a XXXX balance.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Been a customer for many years and caus of a check I thought was real they not only denied they charged me a fee and then had the audacity to flag me as a scammer or check bouncer which I have never even owned a check book for that company! Bank has horrible customer service and aren't customer friendly in store or on phone would never recommend them to anyone!
Consumer complaint received 2020-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2019, CAPITAL ONE add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Depending on timeframe I had multiple issues. First I applied for mortgage refi during Obama, and they took my payments and put them into escrow while letting me go into default without me jnowing. I kept getting notices that I was not making payments but I really was. After months of notices, I figured out what they where doing, and pulled all savings to and pulled that escrow back into getting my loan up to currently. Destroyed my credit. Then I twice tried to refinance and was jacked around for months each. Each paying a fees to see if I qualify which I lost. Then just months later, they call me out of nowhere and want me to refinance. I didn't know what was going on.