davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (PA)

UNITED STATES CONGRESS states EXPERIAN is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EXPERIAN is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EXPERIAN violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. EXPERIAN is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS which they are liable for under 15 USC 1681n and 15 USC 1681o
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

My car was totaled in XXXX of 2022 .Hyundai would not send XXXXo a pay off letter I fought with them or three weeks before they gave it to me and I had to give it to XXXX So XXXX sent them a check for what they said the payoff was. Then it took them three weeks to apply the money to my account so when I seen it payed off I seen a overpayment so when I called them they told me it would take 45 days before they sent me my money I told them that was not good enough so I got the XXXX  involved then they call me the next day and said they sent the refund to XXXX I told them that money was mine not XXXX I called XXXX they said the same thing the money was mine XXXX only paid what they said to pay
Consumer complaint received 2020-10-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Inspite of all the complaints, disputes, and investigations submitted, and filed! It still led to no progress, corresponding actions, and nor resolutions! Instead Experian has the audacity to : attempt to do a repeat, and redo of the past! Government Agencies, Yourselves, Non-profits, and nor Legal Enforcement couldn't have done : anything about my overall situation, because Experian wouldn't be trying, to repeat the same crimes, and renditions of the past! If you folks that's in charged, can't do your due diligence, and jobs when consumers turn to you'll! Why do you people exist, in the first place? Experian literally failed, and refused to do anything ; to address, and resolved my issues/problems in 2022! Look, something has to be done, about this : quick, fast, and in a hurry! How long is the system, and Persons in authority is going to ; allow Experian to keep breaking all types of laws, and violating my health, civil, and constitutional rights??? This matter should had been resolved, and settled by now! If the necessary legal actions against Experian, would had been carried out! Just can't afford another repeat, and renditions of the past! I wish this Country would do : something to preserve, sustain, and protect my health/self from, these types of abuse, and injustice at any cost, and by any means necessary!
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2020, my account Chase checking account was closed abruptly. I suspect my identity was stolen as Chase representatives received alerts of suspicious money coming into my account of which I had no knowledge. I filed an identity theft claim with the state as it seems as if someone had used my account to apply for unemployment benefits. I did not notice the external transfer at the time as I was receiving legitimate unemployment benefits from the state of texas. Chase had explained to me that I had to identify the person that trying to externally access my account otherwise they would not release the approximate XXXX dollars I had in my checking account. I do not believe this was my fault as I did not get the chance to investigate the issue before my account was closed without prior notice or explanation. I would like to open a new account with Chase and would like the funds from my previous account if possible.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (IL)

After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, Experian, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (IL)

After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, XXXX, and Equifax, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I made complaint someone hacked my account and send money with XXXX I called the bank and they told me supposedly some one with my authorization made this transfer but I never gave my authorization so they denied my claim and closed this claim so it was XXXX dollars that I lost there
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (MD)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

I had a checking account and they are holding me accountable for overdraft fees and fees of pulling money out that I never pulled out also the fact that my account had a deposit for money in it and they blamed me for it and I wasnt even around the state and someone was signing into my account so now they say I owe them money and closed my account out and won't let me open another one..
Consumer complaint received 2023-01-19
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. (TX)

THIS ( XXXX ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON EXPERIAN I NEED THIS REPORTED ACCURATELY IMMEDIATELY.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Covid Loan Modification : I originally was informed about Covid loan modification in XXXX XXXX  I was informed that the months that had not been paid ( approx 12 ) would be added to the back of the loan. I applied in XX/XX/XXXX and despite calling consistently for updates, did not receive a response until XXXX XXXX The modification added 15 years to the loan. I spoke to customer service who initiated a new application according to the original terms I was told in XXXX XXXX This application was approved in XXXX and sent to the wrong address, so I received it 20 days into the 30 day response period.. Additionally it had my ex-spouses name on paperwork, which needed to be removed. Due to receiving the information late ( wrong address ) and the need to update names, I was told the application response period closed. I applied a third time, and the covid modification was denied. I was told underwriters denied the modification because my house burnt down ( information Id given them nearly one year prior ). I asked ( and did not receive ) clarity on how it had been approved prior. I was told about XX/XX/XXXX, that I needed to pay approximately $ XXXX or face foreclosure on XX/XX/XXXX. This caused me significant distress resulting in the need for emergency care. Upon leaving the hospital on XXXX XXXX, I paid the owed amount. I then learned that Carrington had reported the delinquent amount to my credit while I was in the hospital on XXXX 
Loss Draft : My house burnt down in XXXX XXXX When Carrington received the insurance check they held it, saying that I had a cloudy title. Upon researching the lien number with the county records office and bank, I found that there was nothing tying the debt account ( from another individual ) to my property. Carrington got it wrong, provided no explanation and held my check for nearly 2 months while I had to do the research to figure out their error. This significantly shifted the rebuild process and increased costs due to the time of year ( weather ) and inflation. I can no longer afford to rebuild my home, which will cost me over XXXX XXXX Further their negative credit reporting impacts my ability to purchase. 
Carringtons misleading Covid modification information, extremely delayed process, wrong address, coupled with misinformation, erroneous cloudy title and a mid-year policy change has resulted in the loss of my house and ability to rebuild or purchase a home with insurance funds. Ultimately they have forced my hand to use insurance funds to pay off the loan and have caused extreme limitations to me securing an actual dwelling.
Consumer complaint received 2023-01-19
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: TD BANK US HOLDING COMPANY (CA)

Received letter in the mail from TD bank stating they could not open credit line for me. I never applied to this bank/merchant for any credit. 
I requested credit report from XXXX and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with XXXX- they never alerted me to this inquiry. I called TD BANK also and theu confirmed that someone did try to open account/credit line and they used my SSN number/
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

They said I missed 2 payments, and didn't contact me in any way to inform me for 6months, what they thought was going on... this messed up my credit rating, and I never missed a payment. I am currently trying to buy a house and can't do it because of this .....
Consumer complaint received 2023-01-19
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: TD BANK US HOLDING COMPANY (IL)

In accordance  with the fair credit reporting act this creditor has violated my rights Under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (MO)

XXXX either cell phone or cable bill of XXXX, XXXX XXXX have proof I never received service with them anytime.i always have had XXXX  that is a government agency phone service.. now I know about it and XXXX said that I needed to report it because it is damaging my credit, plus it fraud due to me not knowing about it.. I came up here in XXXX XXXXalso I have been living at XXXX XXXX XXXX now for XXXX yrs.first I stayed in XXXX XXXX, for XXXX XXXX with my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX taking care of her.then she moved out, XXXX, I then moved in with my uncle XXXX XXXX XXXX to his XXXX XXXX at the end of still at XXXX but I moved in XXXX XXXX with my uncle.that was in the end of XXXX and I stayed with him until XXXX of XXXX is when I moved out of XXXX XXXX to move in with now my fiance sense XX/XX/XXXX and been at my address dents then.witch is still at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXso I don't know how they were able to get my information and damage my credit.
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. (PA)

Experian has been put on notice that they are reporting inaccurate late payments on my consumer report for XXXX XXXX XXXX XXXX and still hasnt update this information. I have requested proof of late payments to show the fees and actually dates of payment which They should have from investigation which I never got, and recently Ive provided my statements from XX/XX/2021 and XX/XX/2021 to show their error. As a furnished of information it is their duty to make sure the information is being reported is 100 % accurate. If Experian really did conduct an investigation this information should have been updated. With their noncompliance its negatively affecting my life even though by law they can not furnish information with actual first hand knowledge of errors that provided but still continues to do so. 

Attached is my statement showing I wasnt late along with proof of identity and address
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX ( c/o XXXX   XXXX, XXXX ). I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I called XXXX XXXX XXXX XXXX  many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
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 — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, XXXX5 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

ON XX/XX/2018 i contacted XXXX XXXX ( AFNI, INC ) in regards to a total amount of {XXXX} debt stating I owed to company. I have explained to company this debt is falsely verified and is not mines. Company insisted rudely that i pay this debt. I do not have a contract with XXXX XXXX, and i am not liable for NO debt with this company.