davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. XXXX was reported and removed by XXXX several months ago and they have recently reappeared as " XXXX XXXX XXXX '' and after several correspondence they have yet fixed and/or removed it even after they have done an investigation. This following account has interfered with my rights and must be removed in accordance with the fair credit reporting act .. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said account to be removed.
Consumer complaint received 2019-03-26
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. (TN)

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Consumer complaint received 2023-09-11
Product: Credit reporting 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. (FL)

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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 2023-09-11
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (LA)

XXXX XX/XX/2023 I disputed XXXX worth of transactions for bad services the employees at the business were rude and had very poor customer service and the name on my ID didn't match the name ont the card or the receipt I signed my card said XXXX and my last name I'd XXXX and I told the card holder and the still haven't issued me a new card I lost my my card recently and they told me they couldn't issue me another one and my phone got stolen and now they used my virtual card and got XXXX and the people at thrift couldn't have asked the person for id I have a discrimination case against the XXXX
Consumer complaint received 2023-09-11
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2021-02-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SLM CORPORATION (AR)

Someone from Sallie Mae keeps calling and now they are saying they are going to turn me in to the police. I co-signed for my granddaugter, and she is one month behind. The number calling is XXXX. My grandaughter asked them to put me on the do not call list but they didn't. They keep calling making threats. 

My phone number is XXXX and they call all hours of the day and night. 

I am over XXXX, I have XXXX, and I am in no position to pay this. I would like to be removed from the call list. My granddaugter said she is going to catch up the payment.
Consumer complaint received 2023-09-11
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. (FL)

I, XXXX XXXX was attempting purchase a home for my and my children. This when I realized there are severe damages to my credit report. According to the 15 USC 1681 law there should not be any damages on my report. This is a defamation to my character.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2019, Wells Fargo Bank withdrew XXXX per a Court Order instituted by the Law Office of XXXX XXXX for HOA fees. I was not contacted by mail or e-mail by the firm that the funds would be taken from my account and all the bank could tell me was that it was a Legal Order Debit transaction and they are authorized to take funds via a legal Order or writ from the Court. I am baffled by how this can happen and would like to know how I can prevent a Law Firm or creditor from doing this in the future is. For the collection of HOA fees. I would like to know what laws authorize a bank to withdraw funds when a debt is owed. Doesnt seem fair or right. Lots of consumers have debts out there that remain uncollectable until an agreement for payment is made with the consumer.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2020, I made two deposits between XXXX to XXXX at ATM which belongs to Chase brunch ( XXXX XXXX XXXX XXXX, XXXX WI ). I  first successfully deposited {$2000.00}, and then made second deposit around {$1400.00}. Then, the ATM had problem occurred and gave me one receipt that said the ATM had problem occurred and asked me to call a number to make deposit went through. 

I followed that instruction but Chase bank only located my first {$2000.00} deposit, and are not able to locate my second deposit. 

I were dealing with Chase bank in the past month and they insist they can not locate my second deposit, As a customer, what can I do or say?
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

On XX/XX/XXXX I received multiple credit monitoring alerts that a new collection had been placed on my credit report. Upon further investigation, Midwest Recovery Systems was listed as the company responsible with the original creditor being " XXXX XXXX XXXX '' and that I owed them. Knowing that I have never interacted with a " XXXX XXXX XXXX '', much less taken a loan out in the amount of {$630.00} ( after an extensive search of my personal records ) I called the company to inquire. They told me that this was a loan from XX/XX/XXXX! When I told the representative that I did not recognize a " XXXX XXXX XXXX '' his response was " well maybe they changed names! '' I immediately requested a validation of debt as I am entitled to under the Fair Debt Colletion Practices Act ( 15 USC 1692g Sec 809b ). The representative said they would need 30-days to validate this debt despite the fact that they have already reported this on my credit report! I decided to follow up with a written request for validation as well. I overnighted a letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ). When XXXX attempted to deliver my letter, I was informed that the company had moved with no forwarding address. XXXX spent 10 days trying to locate the new address but could not do so. I called Midwest Recovery Systems again and asked for an updated mailing address. The representative told me he could not give me that information over the phone. After telling him several times that I know my rights under the law, he finally provided me an updated mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX ). When I attempted to re-send the validation letter to the new address, XXXX now tells me that this address is not in their Database! ). 

This company has placed a negative mark on my credit report without providing proper written notification as allowed under the law and has not given me the required 30-days to respond before taking negative action.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

My mortgage was serviced by XXXX for many years, in XX/XX/XXXX, after I got damage from Hurricane Irma they send me a letter offer me not to pay for 9 month mortgage without any penalty to help with home repaire, after that they offer me to extend my mortgage because I was owed them about {$3500.00} principal for two more years, mature mortgage date was originally in XX/XX/XXXX, they offer to extend until XX/XX/XXXX, and I agreed, and start paying them trial payments one month earlier in XX/XX/XXXX. Then they sent me a letter saying that my mortgage was sold to Selene finance and that from XX/XX/XXXX I have to pay my all payments to them, I was sending them calculated payments of {$590.00}, since then. In XX/XX/XXXXthey send me modification agreement to sign and notarized with a new mature mortgage date in XX/XX/XXXX, for {$590.00} per month which included taxes, principal and interest, hazard insurance included in my condo association fee, I pay separately, And Homeowners insurance I pay quarterly on my own.Since XX/XX/XXXXSelene Finance asked for proof of insurance and I sent them proof 5 times, my insurance agent also sent 3 times, and they still sent me letters saying that they going purchase insurance for me. Since XX/XX/XXXX they steer charge me {$710.00} instead of {$590.00} mortgage payments, I called them since XX/XX/XXXXabout 20 times, sent them more then 20 emails, and twice was trying to despite {$230.00} they overcharged me for XX/XX/XXXX and XX/XX/XXXX,  talked to them recently asked to recalculate escrow, they could not explain why escrow balance {$2400.00}, which {$1200.00} taxes {$1300.00} what that was for, since my mortgage payment included taxes? Also Had to overpay again and sent them payment {$710.00} on XX/XX/XXXX, by phone to not have a late fee, and they just sent me a statement for XX/XX/XXXX again overcharging me monthly mortgage payment and {$30.00} late fee! I feel totally helplessly and taken advantage of, and was seeking a legal advice, in this point, and they suggested take a first step and write this complaint.I really hope this would help.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have an AUTO Policy with USAA. My vehicle was deemed a total loss. The bank whom also manages my checking account collected money off the top of this vehicle loss. I contacted them and told them I will not be adding any other vehicles and I did not have any vehicle rental options on my policy So It Should Have been Closed. Instead they kept withdrawing payments from my account stealing my money via draft. I filed a complaint with the CFPB last week 2 times and they sent a man names Mr XXXX to call me. He threatened me telling me that If I sued him he would simply report a lapse in my coverage when I dont have a vehicle! I told him cancel the policy and this is what he told me! Please assist me in canceling this policy. I sent you proof that the Investigation was over. I need an executive to help me in this matter. They sent me a check and collected a percentage on the loss. Close my account now.
Consumer complaint received 2023-09-11
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. (GA)

XX/XX/XXXX  RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX I am XXXX XXXX XXXX I recently purchased a condo in XXXX XXXX for {$120000.00}. I was scheduled to close on this property and was told by the title company to send a wire transfer for the deposit and closing costs. I called the title company to confirm the account number they said yes it was correct unfortunately they did not let me say the entire number and I only sent it to a partial number missing the last four digits. {$16000.00} was the amount sent on XX/XX/XXXX. I have attached a copy of the wire transfer record. XXXX is my bank and I asked them to recall the wire transfer from chase bank for two weeks chase bank had no response even though XXXX is sending messages through a swift system. On XX/XX/XXXX Chase finally responded with they were going to investigate the case but since then XXXX has not received any information. When calling chase bank they state the account number does not exist yet the Title company I am working with said that it went into somebody elses account. After a bunch of phone calls back-and-forth to the title company they are now emailing me that they will no longer help me retrieve the funds. XXXX continues to tell me they get no response from Chase. I went to Chase Bank and they said the funds should be received in 1 to 2 days when the funds are recalled again that is not the case. I have limited resources to speak to Chase because I am not their customer and they are not very helpful when I go into the branch or when I called on the phone I have attached the information for the wire transfer for you, my concern is that I will never get the money back. I have reported this to the Attorney General office. I had also contacted a private attorney and he stated that it would not be enough money for me to make it worth it to pay him to help me retrieve the funds. {$16000.00} is a lot of money for me and its creating quite a problem for me both emotionally and obviously financially. Your help on this is greatly appreciated my number is XXXX
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

So I used a website called Coinbase.com that is revolved around using money to invest in cryptocurrency. I invested about {$60.00} into Bitcoin. I stopped investing for a few weeks, but when I logged back on, it said that my account was frozen. When I got my account back, none of my money was in my portfolio.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I received a copy of my credit history report from ( CREDIT BUREAU NAME ). That Report contained incorrect information reported by you. 

I contacted the Experian to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : amount owe, date opened/closed, late payments, and so on. 

Account name XXXX  XXXX XXXX Account number XXXX .... 

XXXX  XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please immediately remove these information from my credit file. 

Please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have attempted, on several occasions, through several methods, to unfreeze my credit score with equifax. The other two credit agencies unfreeze process was flawless. 

I attempted to go through the equifax " manage freeze '' website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/ However, I had to reset my password. Several attempts, on several different days to reset it did not work, the " send me an email link to reset password '' did not work. 

Next step, I called equifax, navigated through the extensive phone identification process, got to the end and a message said, we can't help you, please call back during our business hours or go to our website, and abruptly hung up. 1 ) it was during their normal business hours!, and 2 ) the website was the problem I was calling about. 

To twist the knife, they said I would be able to take part in a " satisfaction survey '' after the call and it wouldn't even do that ... they just hung up. 

Long story short, equifax has made it impossible to unfreeze my credit.