davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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 (VA)

I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. Capital One opened in XX/XX/XXXX, XXXX opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from XXXX, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Im requesting your assistance with a misreported account on my credit report. This error has hurt my reputation, and I need your help to resolve it. Your improper handling has caused severe issues, and I need these mistakes corrected for the sake of my family.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MI)

I was a co-borrower on a loan with my son with Wells Fargo. He was 2 weeks behind on his payment. I called the company and told them I was going to make the payment so it wouldn't hurt my credit. They refused the payment and told me I had to pay 2 months or they would not accept anything. I could not afford 2 months and explained it to them. They said that was my problem and I would also have to pay late fees for the 2 months. I told them I would refinance the vehicle. I secured a new loan, and called them with the information. It took a few days past the end of the month to pay it off. They then put a late payment on my credit report. I called them and explained what was going on and they said too bad, not their problem. My credit score was impacted for 7 years till it finally fell off.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

My federal loans were consolidated with the new company who bought out FedLoans. On my credit report the new amount of XXXX is correct on my report but the individual loans are listed as if they are still the small individual loans I am paying on. The only loan I am paying on is the XXXX loan. The smaller federal loans were consolidated into the XXXX new loans instead of having XXXX smaller loans. Since the smaller loans still show on my report it looks as if I have XXXX out in debt but I only have close to XXXX in debt. I need those little loans taken off of my report
Consumer complaint received 2024-11-13
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)

Tonight, I was stunned to discover accounts on my credit report that simply dont belong there, and I dont understand why theyre showing up. I check my report regularly, so seeing these inaccuracies was completely unexpected. I tried refreshing the browser, thinking it was a display issue, but the errors stayed. Im therefore asking that my documents be fully reviewed to prevent this from happening again.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (CA)

On XXXXXXXX XXXX  I submitted a request for my consumer report from Early Warning Systems through the secure transfer portal at https : //consumerservices.earlywarning.com. 

I believe XXXX has violated the law of the CRA and California State Law as they were supposed to send me my report within 5 business days. Attaching proof from their website below. Along with denying me access to their site after requesting my report, also a violation. 

After no response for several days, I logged in through their secure transfer portal to check the status. 
It showed the request and documents were viewed and read by an associate, and even included the associates name. 
However, I received no reply. 
I sent another request, asking why my initial request was ignored. 

In another day or so, I tried to log in again to check the status, and my log in suddenly did not work so I tried to reset my password, and the request was denied. It seems they had disabled/locked me out of the system for requesting my report. 
Attaching all the proof below. 

From the XXXX website. 

" Consumer reports will be provided to residents of the below states in accordance with state laws : XXXX XXXX  : 4 business days XXXX XXXX XXXX XXXX  : 5 business days XXXX  : Promptly '' " Please return your completed, signed and dated Consumer Identification and Certification Form and a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ) to Early Warning by mail, fax or uploaded to our Secure Transfer Portal. '' " To communicate electronically with us, via the Transfer Portal, go to https : //consumerservices.earlywarning.com. When prompted for the Early Warning email address, enter XXXX. Follow the instructions on the screen to create your User ID and password, and to upload the documents to be transmitted to Early Warning. If you need technical assistance with the Transfer Portal please call XXXX '' "
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones.

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable.

Pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off ledger -Hand written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

A charge offs being listed on my on my credit report. 
1. XXXX XXXX XXXX XXXX charge off. 
2. XXXX XXXX XXXX XXXX XXXX XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

A charge offs being listed on my on my credit report. 
1. XXXX XXXX XXXX XXXX charge off. 
2. XXXX XXXX XXXX XXXX XXXX XXXX charge off. 
XXXX. XXXX XXXX listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (TN)

In XXXX, I changed cell phone numbers. I updated my phone number with my bank and needed to make a wire transfer from my business banking account. I called customer service who directed me to authenticating myself using the standard text messaging that I had used prior without incident. I set up the transfer and received a text on my new cell number and entered the last 6 of my ssn as instructed. I received an error that this was incorrect. I spent hours over the next month on the phone, in my local branch, and reaching out to the CEO/executive care line eventually as I followed Regions instruction and was locked out of all my accounts. After I finally was able to get access to my accounts again, I was told by an agent that I should have never had this happen as it was well known glitch that any customer who had a social security number where the last XXXX digits begin with a XXXX will trigger a fraud block - she said they had numerous trainings on this and it should never have happened nor been allowed to lock me out. 
The result was I was locked out of all XXXX of my Regions accounts for over a month resulting in Significant overdraft fees ( some of which were refunded after I continued calling ) and most importantly thousands of dollars in returned payments, late fees, the inability to pay any bill on time as I had zero access to my bill paying accounts. I have complained at all levels and was told indeed this was a well known issue with Regions transfer services but their response was after months of my complaints and requesting help, Regions had refunded some of their fees. As this was clearly a well known glitch with their system, it cost me weeks to finally have some of their overdraft fees recredited but it cost me thousands for every bill that was returned out of my account after I had proven my identity in person and filed numerous complaints. I am still suffering the financial penalties because of this error that was allowed to continue for weeks and the financial penalties to me have not been addressed at all.
Consumer complaint received 2023-07-12
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. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC (PA)

The problem is the loan on the used car has been for 4 years and since I have drove the car off the lot it has been problem after problem the 2017 XXXX XXXX  is a piece of XXXX Can't contact the dealer because ironically they went out of business after purchase.. and again it needs work.. can't fix the XXXX to XXXX dollar problem and pay the payment ... global lending services is also garbage.. and the more I complain the more business they get the more fees and interest I get charged.
Consumer complaint received 2023-04-10
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: JPMORGAN CHASE & CO. (WA)

This is regarding a charge for a purchase that the shipping carrier returned to the sender, the merchant, and the merchant ( XXXX ) has signed for the delivery indicating it has received the returned package that correlates to my original order tracking number, charged to my Chase credit card ending in XXXX. 

I purchased 2 items from XXXX on XX/XX/2023 and was charged {$5800.00}. XXXX shipped me this order ( Order Number XXXX ) using XXXX ( XXXX  tracking XXXX ). I disputed the charge because the XXXX  tracking clearly shows that the items were returned to sender using the XXXX carrier the merchant chose to ship the item with, and was delivered back to XXXX warehouse signed by XXXX on XX/XX/XXXX. Chase decided in favor of the merchant XXXX because they supposedly provided an XXXX  proof of delivery on stating the items were delivered on XX/XX/XXXX. But I provided XXXX  proof of delivery for the same tracking number showing it was returned to sender and delivered ( signed and received by XXXX ) at their warehouse of shipment origin on XX/XX/XXXX. The XXXX  proof of delivery showing the items are returned to the sender showing delivery back at the merchants warehouse AFTER the proof of delivery XXXX provided should trump what XXXX provided becusee XX/XX/XXXX is AFTER XX/XX/XXXX, and the tracking shows the items were being returned to sender on XX/XX/XXXX, so obviously I as the consumer should not be responsible for any error on the part of the merchant or their shipment carrier where they returned the items back to the merchant and received them. I as the consumer should not be held responsible to pay any order where the items were returned to sender and XXXX clearly received them back after XX/XX/XXXX, because the XXXX  tracking clearly shows XXXX received the items returned to sender on XX/XX/XXXX. XXXX tracking XXXX. I am owed my money back and XXXX promised to send me replacements but then canceled that and refused to refund me for the items that were returned to sender. Chase somehow is neglecting basic carrier tracking information showing it was delivered returned to sender signed by XXXX on XX/XX/XXXX. I no longer have the items and the merchant has them. The consumer should not be held responsible for any items that were returned to sender, the merchant XXXX.
Consumer complaint received 2023-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (TX)

I discovered today on XX/XX/XXXX that a company calling themselves, NCB management services his place the collection account on my credit. I have no clue who these people are. I have received no voicemails. I have received zero written communication. It just pops up on my credit file. Now I know regulation of requires them to verify you have received written notification and notification of your right to dispute. This did not happen.
Consumer complaint received 2023-04-09
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. (TX)

Experian is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. Experian is dismissivie of the documentation that I have provided to them. 

It is clear as day that Experian did not attempt to contact XXXX XXXX nor XXXX XXXX. To further support the previous statement, XXXX XXXX  provided me with a {$0.00} balance letter. So, XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Experian which is the problem.
Consumer complaint received 2024-09-26
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. (GA)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX  XXXX, specifically debt XXXXwhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2023-06-29
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. (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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I had 3 hard inquiries made by XXXX XXXX XXXX on XX/XX/2023. 
These three inquiries occuring on the same day should be listed as one inquiry. As you can see on the attached file, both XXXX and XXXX listed those inquiries as one per the FCA requirements. Experian is listing these hard inquiries as three which is hurting my credit score. 
I called Experian on XX/XX/2023 at XXXX and spoke to their agents XXXX. He refused to give me a reason why they are listing these hard inquiries as three instead of one event. He also refused to give me a case number or his agent ID.
Consumer complaint received 2022-12-11
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: Atlanticus Services Corporation (FL)

On XX/XX/2022 I went to the website I did a pre-qualification. It clearly says on the website that it will not affect my credit multiple places on the website because I read the terms and conditions and they ending up placing an hard inquiry on my credit report.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (WA)

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.