davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
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. (NY)

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 reportsno consent is fraud. XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00}. Please see that this fraudulent account removed immediately from my credit file.
Consumer complaint received 2023-04-03
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. (IL)

PLEASE REMOVE THE FOLLOWING ACCOUNTS INCLUDED IN THIS REPORT BECAUSE IT VIOLATES MYCHARACTER AS A CONSUMER ACCORDING TO 15 US 1681B PLEASE REMOVE ASAP
Consumer complaint received 2023-02-07
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  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 2023-04-03
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. (WI)

how is it fair and impartial to only take in consideration what nelnet is reporting to you In 2014 in XXXX I did not authorize XXXX department to report my information to the experian credit bureau. 
I am claiming Identity theft because this is a business transaction that does not benefit me. 
First I wan na know how experian verified my Account with XXXX department of education. 
as a result of your reinvestigation account was verified in 5 days how is this possible
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NC)

This is at least the third time that a collection company has tried to collect money saying I am in collections from a XXXX XXXX XXXX XXXX XXXX unpaid bill. I have not had XXXX XXXX in over XXXX yrs and disconnected it when I sold my home. I returned equipment per request, this was also during COVID 19 in XX/XX/XXXX. 

They have placed negative on my credit report that states overdue payment starting in XX/XX/XXXX. 
Enhanced Recovery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-07
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. (TX)

When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went inXXXX to have the a/c fixed. Stayed at the facility 8 plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on my credit report.
Consumer complaint received 2023-02-07
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. (DE)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these 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
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

Select Portfolio Service cashed the following XXXX checks mailed by my bank in error after the mortgage was paid in full in XX/XX/XXXX. 
check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX. 
I began communication via email and XXXX with XXXX  on XX/XX/XXXX, but have been rerouted and ignored. Each correspondence has included the documentation requested of me as per below : - copies of front and back of the XXXX checks - copies of my bank statements showing these XXXX checks ' debits- quite lengthy log of correspondences I've made with no response. 
The phone numbers I've been using : XXXX XXXX... XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number reaches someone who transfers me to XXXX. I have left multiple messages for XXXX  to call me with no response to date. 
At one time I was provided this dispute ID - XXXX
Consumer complaint received 2023-04-03
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00}
Consumer complaint received 2023-04-03
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 need these items removed from credit profile XXXX XXXX  .XXXX..XXXX  XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (FL)

I currently have an active case being reported on my background check for which is not indicative of all the actual facts pertaining to the case. This case has now caused a potential employer XXXX XXXX XXXX ) to issue a pre-adverse action letter on XX/XX/2022 which I believe is unjust considering the all the pertinent facts have not been included in the report. Pending an approaching trial date on XX/XX/2022 the case will be fully dismissed and subsequently expunged from my record. I have attached a sworn statement from my attorney whom is representing me in the case that will confirm this. Furthermore, there was no fault found in the case and no admission of guilt.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I received an email from Experian on XX/XX/2022 @ XXXX central time, It stated unable to process funding from debit card. I phoned company on same day and spoken with XXXX, If this is really customer service agent name. I have had many flags from my XXXX XXXX XXXX someone has tried using my information and it somehow show up on my credit report and, I haven't applied for XXXX XXXX  nor loans. I had no issues with other consumer agencies but for some reason, Experian claims, I upgraded my account in which, I haven't and, I have requested account frozen since XX/XX/2022, but you see many inquiries have been requested and stating, I have given permission. I have a code as well as PIN to get into my account and this individual by the name of XXXX whom, I was on phone stated, I needed to pay {$24.00} to my account or {$4.00} a month. I feel this is discrimination when calling asking for address Experian states that information can not be given out, I know they're XXXX in XXXX, GA as well as XXXX  address in XXXX as well as the XXXX, Texas address. I feel, if they can not do their job then something or some other corporations should step in this is why people credit is faulty now. I will step up higher, if this issue can not be correct. This card is not linked to me. I have not credit with these numbers
Consumer complaint received 2022-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, This is a complain for Capitol One Credit card I have. 

During the football season, I used a sport app XXXX XXXX XXXX XXXX. It has an advertisement for free picks. I went in the link and ended up spent {$250.00}. I was able to register and made some bet including free bets though I didn't save the info because I was using a work computer. I was expecting email confirmation from the web XXXX XXXX. I didn't get any mail. I went back to the XXXX XXXX  XXXX app to get in but the ad was gone. I checked the credit card state statement and it only have a description of XXXX XXXX. No contact info. I went to web to search and nothing came up so I filed a dispute with Capitol asking for help. It was XX/XX/XXXX. I told them I don't have a way to contact the other party. In XXXX I called back to check and credit {$250.00}. Then i find out they charged again in XXXX. I called in, they said the other part told them i used the web so " good was received ''. I have to explain the whole case again. They want me to submit supporting document even though I don't have anything. So wrote up a letter to explain the case. Nothing happen. I called in in XXXX. They told me I listed the case number in the letter but there is no amount and signature. I submitted another letter. Nothing happened. In XXXX i received a letter telling me I received the goods so they reversed the charge. I can file complain to review until XX/XX/XXXX. I called in XX/XX/XXXX and they told me the case is closed because time expired. 

I was frustrated because I have to keep calling in to get status. They said they sent me letters but i didn't get them. XXXX XXXX has to do with this or the guy next door has the same name but they could have go with email for these time. I told them over and over that i don't have anything on my end to contact XXXX. I am ok with the charge as long as I have the account back. There is money unused in the account. I even ask the supervisor to review our calls. Even if I used some money on the bets, I am entitled to see the result. I have unused money in the account. In the end, i was told time expired even there is a letter telling me to press further until XXXX. 

The agent was nice and supportive but i don't think they understand what i need. I was nice and trying to be patient but was upset by the end when they told me time expired. It was unprofessional they way they handle this case. It's a small amount but want justice in this case. All my call are recorded. If any supervisor listen in, he/she would know that i don't have way to get my account/money. They should have help me instead of telling me to go ask XXXX for help.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian is still reporting inaccurate address infomation after i send certified mail requesting to remove wrong/old/inaccurate addresses. I have never lived or used these addresses. 
XXXX XXXX XXXX XXXX, MI XXXX THIS IS MY ONLY ADDRESS EVER. 

They are reporting address on XXXX XXXX and XXXX XXXX which is incorrect and wrong.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I recently tried to deposit a {$10000.00} check advanced against my XXXX  at another bank into my checking account at Chase. Chase automatically placed a 2-week hold on the full amount of the check. In speaking with the holds department on the phone, the representative acknowledged that, per regulation, {$200.00} had to be available immediately and {$5000.00} within 2 business days, but they failed to release any part of the hold. Two days after the other bank had verified the transaction on my behalf, I had to have a conference call between the two banks in order for any amount of funds to be released. 

I just tried to deposit a {$4000.00} cashier 's check, which is part of the payment for a private-party car sale, and they told me they would be placing a hold on the full amount, and I would need to speak to someone in the holds department again. I did not complete the second deposit.
Consumer complaint received 2022-11-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Phoenix Financial Services LLC (TX)

This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any medical services. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.
Consumer complaint received 2022-11-22
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)

Someone tried to use my social and name to apply for multiple credit cards. 
My credit report for XXXX XXXX XXXX XXXX inquiries from XXXX XXXX and XXXX, XXXX shows XXXX : XXXX from XXXX  XXXX and XXXX from XXXX. 
None of which were me.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (FL)

Ever since Truist assumed my mortgage ( XXXX XXXX ), I have had trouble with them paying my flood insurance from escrow. They have a policy that forces me to escrow moneys to pay for my flood insurance. I have requested that they let me pay the flood insurance, as I do with the property insurance, but they have denied my request. Every year, they pay my flood insurance late. This year, it was due on XX/XX/XXXX. They did not issue a check until XX/XX/XXXX. That was 4 business days prior to policy expiration date! Then they sent a bulk check to the wrong address. Now I am in my grace period ( 30 days ) and they still have not paid the premium! I am 2 days from policy termination ( XX/XX/XXXX )! They say that they have sent an overnight check, but it still has not arrived. For over a month, I have talked almost daily, to 12 Truist representatives, some multiple times, to try to fix this problem. If the check doesn't arrive by Thursday, XX/XX/XXXX, I will have to go pay the premium myself! 

They require, and I pay moneys into the escrow account in good faith for them to pay the flood insurance. For XXXX XXXX I have had the same issue of late payments from escrow. This year has been the worst! 

They way they handle my escrow payments are at best incompetent and reckless, at worst, fraudulent! 

I have requested to talk to a supervisor, but no one has returned my request!
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo XXXX times over the past XXXX  months ( including an in person branch visit ) regarding unclaimed funds - after receiving initial letter. Each time I was told they would expedite the case and contact me. Only today after repeated attempts did I get an email saying funds had been transferred without contacting me in a timely manner. I was told the unclaimed funds department uses only email - even for the bank itself?! I've been lied to outright by bank reps, and have had delaying tactics used to prevent a timely return of my money. I even used the unclaimed funds department email address as another contact sourcebut they never responded. Unethical and unprofessional.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-03
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. (NV)

EQUIFAX LIED TO ME AND SAID A COLLECTION WAS REMOVED FROM MY CREDIT REPORT AND IT WAS NOT. THE COLLECTION IS XXXX XXXX XXXX 

I HAVE DISPUTED THE COLLECTION, THEY SAID THEY REMOVED IT YET IT IS STILL ON MY CREDIT REPORT. 

I WAS RECECNTLY DENIED A HOUSE BECAUSE OF THIS. I AM SEEKING MONETARY RELIEF OF XXXX, BECAUSE IT HAS CAUSED ME TO BE HOMELESS. 

I ALSO DISPUTED FRAUDULENT INQUIRIES, AND YET THEY ARE STILL ON MY CREDIT REPORT AS WELL.
Consumer complaint received 2023-03-10
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. (PA)

The information I have provided therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2023-04-03
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-03
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. (IL)

Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP