davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts and 20 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. 
XXXX XXXX XXXX, has violated my rights. 
XXXX OF XXXX XXXX has violated my rights DEPT OF XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF XXXX XXXX has violated my rights DEPT OF ED/XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights 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 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 2023-02-01
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Someone went online and processed an application for a Capitol One XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2023. The bank called to verify that this was me and I told them No. I placed a freeze on all my credit processing reports as soon as possible. My concern is that these people may still have my personal identifying information.
Consumer complaint received 2021-10-19
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 — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Consumer complaint received 2020-08-29
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 (FL)

About a month I called XXXX and pay to rent a car for some Heath problem I couldn't get it i called XXXX XXXX XXXX and explains them why I could not get the car but they did want to get my money back then because this car company refused to give me my money back i did used the car I called my credit card to dispute this charge at the beginning they were suden with me after almost a month they sent me a paper saying that they can give me the money back because this company contacted and say that we were did gave them the card number and because of that I was agreed with the terms and condition it is a new way to agreed with anything they have in their contract and that's why they will not going to go forward with this claim
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-25
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: Experian Information Solutions Inc. (DE)

I have written to experian about an account from XXXX of 2015 the continues to reflect a non payment when in fact this account has a XXXX balance and SHOULD BE CLOSED,
Consumer complaint received 2020-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

They continue to put hard inquiries on my report ever so often and I havent filed a credit report through this company not once. CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX
Consumer complaint received 2021-10-19
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I'm trying to get a home equity loan. I looked up my credit score through XXXX XXXX today, XX/XX/20. They're a subscription service that provides all three credit bureau scores. They show a credit score with Equifax of XXXX, but XXXX where I've applied for the loan says my score from Equifax is only XXXX. Both companies said to call Equifax for an explanation, but two different Equifax customer service reps would not respond to my question of why both companies have different scores and which one is correct, nor would they give me any information to show XXXX. I'm unable to get my loan and all three companies point their finger at the others. I also contacted Equifax and asked to file a complaint with them, but they would only transfer me the the same customer service reps that I want to complain about! Please help.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (PA)

On XX/XX/2023 I received an email from TrueAccord claiming I owed nearly {$3800.00} for an account with XXXX 's that was transferred to them from a company called XXXX, I never have had such an account. I emailed to them that the account was not mine and cited that the zip code, XXXX, for the debtor was not mine, but they failed to respond to my several attempts to contact them. I finally received an email, two weeks later, indicating that the account, that they still claimed was mine, was transferred back to XXXX. XXXX also has failed to respond to my several attempts to contact them. I have never had an account with XXXX 's and was never contacted by them or XXXX in any fashion either by mail, phone or email, concerning this prior to the email from TrueAccord. I did find that a person with the same first and last name as mine does live at the zip code in XXXX SC XXXX. I advised TrueAccord of this and never received a response. What TrueAccord has done is to link my email with someone else 's financial record. And they refuse to admit their error. I was fearful at first that this was either a scam or identity theft. Now I realize that TrueAccord is a bottom feeder seeking by any means available to enhance their coffers by scaring senior citizens with their tactics. They violated regulation F by not providing in their email to me all the required information concerning the alleged debt. but only the owners zip code and the ending digits of an account number.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (OH)

I am writing to request any assistance you can provide in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX so this complaint is specific to Wells Fargo, the bank that cashed the fraudulently altered check. Please note I have not contacted Wells Fargo, as I do not have that information and XXXX will not provide it to me. However, per XXXX that have repeatedly reached out to Wells Fargo and have not received a response. I imagine contact from the CFPB might get the attention of Wells Fargo and motivate them to respond. I also imagine I am not the only consumer with a bank waiting on a response from Wells Fargo or XXXX. 

I was a victim of mail check fraud in XXXX XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my XXXX bank account. Per XXXX, they are still waiting to hear from Wells Fargo, the recipient bank that cashed my fraudulently altered check and, since Wells Fargo does not have any real presence in Ohio, this if further complicating the timely resolution of my case, per XXXX. I have also been told by XXXX that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per XXXX policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of XXXX 's request for information and filing of XXXX Police and Inspector General reports and within the 20 day required timeframe and all of these documents have been provided to XXXX on XXXX XXXX XXXX 

It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at XXXX has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved Wells Fargo to respond to XXXX. 

My request is full restoration of my funds with interest by XXXX XXXX XXXX, which, as I understand it, requires Wells Fargo to respond and work with XXXX. The XXXX reference number for my case is XXXX. The checking account # is XXXX. 

In addition, expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. 

Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting Wells Fargo.
Consumer complaint received 2020-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  has not acknowledged my request for accommodation to credit reporting in accordance with CARES Act ( section 4021 ).

Although I have attempted mail and phone correspondence I have not received a response nor acknowledgement of my dilemma.

Earlier this year my wife was terminated from her job of 13 years due to the COVID-19 Pandemic. Amid the stress and chaos during this period there was a lapse in accounting for my XXXX XXXX account. Typically, I keep the card paid in full perennially so I dont have to worry about the monthly bill. XXXX XXXX  reported 30 day late payment to all credit reporting bureaus. The balance on the XXXX XXXX card is minimal and the companys fees can make it easy to lose track of a card that rarely gets used. 

XXXX XXXX  touts XXXX XXXX Secured VISA card as a tool to improve credit. 

Ironically, I have had the {$200.00} Open Sky ( Secured XXXX card since XX/XX/XXXX and although I have multiple credit cards with other banks like XXXX XXXX and XXXX with higher limits, this is the only card with a delinquent payment on my credit report. The 30 day late that was reported in XX/XX/XXXX is the only late credit card payment on my credit report which has a severely detrimental impact on my family. 

The opportunity to have late payment record for XX/XX/XXXX deleted due to turmoil during the COVID-19 pandemic would demonstrate professional courtesy, empathy and consumer loyalty during these trying times. 

The 30 day late report for the month of XX/XX/XXXX should be removed from all credit reporting agencies pursuant to Cares Act ( section 4021 ).
Consumer complaint received 2023-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

There was a company-wide mandatory closing of accounts into new accounts with new numbers associated with the institutions new name... etc. During this process there was a DEBIT, CREDIT, then DEBIT, resulting a " double debit '', ( it was not a " XXXX '', or a debit <old -- institution -- new -- >credit ). So this resulted in a unjustified debit or loss of XXXX digits in my account. 

My daughter, has been trying to help me unravel an answer as to why this has happened. We have continued to get less clarity and more complication. with " detail '' Spreadsheets of numbers and transactions, trying to prove that this is all just a " wash ''. I need answers as to this disappearing money.
Consumer complaint received 2023-03-22
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. (NV)

I have an auto loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-02-25
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. (IL)

I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED I have provided you all document of the illegality. 
OF THESE FRAUDELENT ACCOUNT ADS/COMENITY/ZALES # 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 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I'm submitting this complaint because of excessive over draft fees. On XX/XX/21 I was charged {$180.00} in over draft fees on items that were still pending. The over draft fee pushed my account into being over {$400.00} in the negative. When the items finally cleared pending I would have been less than {$200.00} over as many of the items pending were from companies like XXXX. XXXX often places a hold on funds in the account for much higher than the actual charge. Once the pending charge clears it is lower than the hold amount and XXXX will credit the difference.