davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

In the state of Texas tenants have a LEGAL RIGHT TO EXIT A LEASE AGREEMENT WHEN THEIR IS XXXX XXXX 

ADDITIONALLY, WHEN THE LOCKS HAVE BEEN CHANGED AND A TENANT DOES NOT HAVE ACCESS. 
I fell under both categories and provided evidence to Experian. They did not properly invest the issue or consider all if the evidence that I provided to them. 

I have submitted proof to Experian for them to review, yet they failed to remove the file from my credit report. 

XXXX. This debt should not be on my credit file. I was a victim of XXXX XXXXXXXX which legally entitled me to be removed from the lease. 
Upon checking my credit report in XXXX or XXXX of XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and XXXX several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted XXXX concerning this issue was XX/XX/XXXX. 
XXXX. I have police records reporting XXXX XXXX, and that I had no access to the apartment. I also submitted the the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
Experian to correct this issue as they are not helping to uphold the law. I would like this to be removed from my credit file immediately and I would like all harassing phone calls from XXXX to cease. I would like for them to contact the person who was living on the property at the time, which was my ex-husband XXXX XXXX, to pay this debt. 

XXXX. Additionally the locks were changed at the apartment that I was previously living at : XXXX XXXX XXXX XXXX XXXX XXXX. I had no access to the apartment. Only XXXX XXXX and the manager at XXXX XXXX XXXX had access. I have reported this issue to the district manager of XXXX XXXX XXXX to no avail. I have also reported these details to the collection agency who also refuses to honor this portion of the law. 

I have submitted police records of XXXX calls that were made which document XXXX XXXX and that the locks were changed. I have also submitted proof of my divorce as well as the lease to the apartment that I moved into for
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank My checking account XX/XX/2022 unrecognized transactions {$990.00} {$1000.00} Total {$1900.00} I reported to chase but my fraud claim was denied. 
Please help.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

In XX/XX/2021 I completed Loan Modification documents and returned them to Flagstar Bank. I was told that I was approved and the payment amount was changed from {$5200.00} to {$5800.00} to reflect the loan modification.I have been making a monthly payments since XX/XX/2021. I still do not have a final loan modification. 

I have spoken with numerous Flagstar representatives, who all assured me after they " researched '' my account, that the modification had been approved but the paperwork just hadn't been completed and sent back to me. They explained that they were backlogged due to the volume of modifications they were processing. Due to the delay in completing the loan modification I was unable to refinance the loan at a lower rate. 

Today, my XXXX mortgage payment was rejected by Flagstar and the statement : Loss Mitigation Program Status - The mortgage is currently on an active HFI Modification option, no longer appears! It looks as though they have just put us into the foreclosure process and taken us out of the modification process, with no comment to us at all. 

I'm writing and mailing a registered letter to Flagstar today, demanding that they complete the Loan Modification. Additionally, they have failed to pay a supplemental property tax bill that their representatives agreed was their obligation. I have provided this by fax numerous times. 

Unfortunately, I did not keep a copy of the Loan Modification documents I signed, I sent both copies back to Flagstar, so I can't include them here.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

There are XXXX accounts that do not belong to me. I have a perfect credit rating and these XXXX accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these XXXX creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

I have sent XXXX payments to XXXX XXXX XXXX XXXX ( XXXX ) to meet XXXX requirements and never received the XXXX. Since I have not received the XXXX, I requested the return of the money I sent with no results to date. I have concluded that this organization is fraudulent. My contact phone number for XXXX is XXXX and only address I have is XXXX XXXX XXXX, XXXX, XXXX XXXX. You XXXX have difficulty communicating with them because of their fraudulent nature. I refer you to the US Department of Labor XXXX XXXX XXXX XXXX and the FBI. I request your investigation with a goal of returning all the XXXX payments totaling {$7500.00} ( attached ). All payments were initiated from my Wells Fargo checking account. I consider these XXXX payments as stolen and request their return. Thank you XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One has once again charged me even more of a fine. I can not pay these fines they have now charged me XXXX dollars in fines and its a slap in the face to credit consumer protection and me. Last time was XXXX now its XXXX. The exact dates : XX/XX/XXXX past due fee of {$40.00} XX/XX/XXXX past due fee of {$30.00} Capital One is an awful company How am I supposed to afford these because I had an overwhelming bill now I cant afford rent. How come your not doing anything about this! While I was waiting on you to talk to credit one they got me again WHERE ARE YOU CONSUMER CREDIT BUREAUS They had the chance to correct both of these and they are delaying on purpose with you. When I called them they wouldnt even let me have XXXX correction this company is disgusting and this should be illegal. The government is supposed to protect me and doesnt really care. How much is the government making off these fees I wonder? This is so bad
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IN)

XXXX XXXX XXXXn has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its Citibank they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1400.00}, which exceeds the original credit limit of {$1200.00}, reflecting a utilization rate of 125 % despite the account being listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX ' status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX ' legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$850.00}, as the account has been closed and charged off. Reporting a balance as past due after a charge-off is inaccurate, and I request that this be corrected under FCRA 15 U.S.C. 1681i. The worst payment status, marked as Charge-off, along with inconsistent payment history, also violates FCRA 15 U.S.C. 1681c, and must be corrected or removed. Lastly, I dispute the remarks, which state " Consumer disputes after resolution ; Charged off account. '' I do not agree with the resolution of my prior dispute, and these remarks are misleading. They should be removed in accordance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AR)

While on XXXX, the company owner sent me a message and invited me to play some online games. I was told that that would be a fee and that I had to send it to their cash app. They kept sending random other peoples cash app and when the game was not Sent to me to install on my computer. I requested a refund because I didnt receive anything from them. I was making a purchase for a game and they did not provide the game. They did not deliver the software. After requesting my money back, the cash app user blocked me, I did not receive any goods or services from this purchase. I have screenshots of the whole conversation through XXXX messenger cash app is not willing to help me recover my funds, and neither is my bank. Nonetheless, if thats not recovered, cash app needs to shut that user down that user is impersonating a company and scamming a lot of other people Im sure of.
Consumer complaint received 2022-06-09
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account : 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 I also have some inquiries on my credit report that I didn't authorized and unaware of.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/23 my business savings account was deducted {$810.00} due to an over drawn personal checking account. Then my business checking account was frozen because of personal accounts that were written off. As I stated with the bank that it was illegal to mix personal funds with business funds and to lock me out of my business funds to pay for personal expenses made not sense. XX/XX/23 I contacted the bank again and was told to make payment arrangements on the personal accounts, which I did and then I was told by the bank that they would not unfreeze my account until all the personal accounts were paid off. I make rent payments and employee payroll out of my business account and now can not do anything due to personal account issues.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (OH)

Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX To whom it may concern I am writing to dispute a charge of {$1400.00} to my credit card account on XX/XX/2022. The charge is in error because, I was scammed through a phishing scam. Someone claiming to be my boss asked me to purchase gift cards on their behalf and when I realized it was fake it was too late. I tried to return, stop charges but they had already spent the cards. I've filed a police report, contacted credit card company, XXXX, XXXX and XXXX to try to get support against the scam. Unfortunately, Chase Bank will not allow me to dispute the transaction because although I was scammed, they are not willing to allow for a dispute. The txt person/scammer did promise to refund my money but it's a dead end. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

I had three charges made to my account {$500.00}, {$500.00}, {$400.00}. Please help me get back my money
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-09
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)

On XX/XX/2022, I summited a request to have accounts verified that are reporting on my credit report. Upon completion The Credit bureaus stated XXXX XXXX XXXX # 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. I attached proof showing the inaccuracies. This ground for removal! They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2022-06-07
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: Bread Financial Holdings, Inc. (FL)

On XXXX XXXX, I sent written correspondence via Certified U.S. mail to Comenity Capita/XXXX requesting that they delete 1 inquiry on my credit reports dated XX/XX/2021, considering that I did not authorize anyone employed at Comenity Capital/XXXX  to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Comenity CapitalXXXX bearing my signature.
Consumer complaint received 2022-06-07
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: CarMax, Inc. (FL)

On XX/XX/XXXX, I sent written correspondence via Certified U.S. mail to Carmax Auto Finance requesting that they delete inquiries on my credit reports dated XX/XX/XXXX considering that I did not authorize anyone employed at Carmax Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to XXXX XXXX XXXX XXXX bearing my signature.
Consumer complaint received 2023-10-21
Product: Credit reporting 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 have reached out to Experian on multiple occasions asking them to remove inaccurate information on credit report. They say the information has been verified and they refuse to provide proof. This is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) in which they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that have been posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Pursuant to the FCRA, I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below 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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in a correspondence to the consumer reporting agency in XXXX of XXXX, i requested proof of my consent regarding the following items on my credit report. 
XXXX XXXX XXXX account number XXXX XXXX XXXX Account Number XXXX. 
As if today I have not received ant proof of my consent to this company to share these accounts. Nor was I given the option to opt out, I would like to inform the CFPB that my rights have once again been violated by this consumer reporting agency. 
According to15 U.S.C 6802XXXX Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity before the tome that such information is initially disclosed, to direct that such information to be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Consumer complaint received 2022-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

( Notice of Cease and Desist ) This is a WARNING NOTICE. I am a consumer/natural person, and my consumer rights have been violated by LVNV Funding LLC XXXX and Resurgent Capital Services, LP, according to the FDCPA. 

Pursuant to 15 USC 1692c ( c ), I refuse to pay any alleged debt and demand that the debt collector ( s ) : LVNV Funding LLC, and Resurgent Capital Services, LP, cease all communication with me regarding this alleged debt, through email, text, mail, and any other medium. Please Cease and Desist all communication