davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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 (FL)

On XX/XX/2022 someone tried to obtain credit with XXXX XXXX  Delaware, XXXX alert me. I reach out to XXXX XXXX  Delaware to let them know it wasn't me and represent told me that it will be removed that was XX/XX/2022 inquiry still remain on my credit report. Also the XXXX XXXX is my maiden name, I always apply for credit with my married last name XXXX XXXX, which is my legal last name on my driver license and social security card. Please remove incorrect inquiry that was put on my experian credit report credit that I didn't apply for.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (TX)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SUPPORT ENFORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTORNEY GENERALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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: LOBEL FINANCIAL CORPORATION (FL)

In XXXX of 2020, I noticed an alert via my credit card 's credit monitoring service stating I had an auto loan go into delinquency. I thought this was odd as I only have one auto loan and it is paid meticulously. After further investigation, I found there was a loan on my credit report by Lobel Financial at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. The fraudulent account is in the amount of {$5700.00} and upon initially discovering the account, I immediately submitted a dispute via XXXX. The dispute claim is now complete and instead of erasing this fraudulent account from my credit history, Lobel Financial simply charged off {$3700.00}. This is unacceptable as this is not my account. After these results came in, I called Lobel Financials Legal Department and they stated I could have the account removed by supplying a police report and copy of my credit report showing the fraudulent account. After sending this information in, they sent me a letter stating I needed to submit an identity theft victims complain and affidavit via the FTC. I am now about to complete the FTC complaint but I wanted to also file a complaint here to ensure this issue gets reported properly.
Consumer complaint received 2021-06-25
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. (LA)

I XXXX XXXX XXXX the natural person have had my rights violated.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.Equifax has been given its due process of 4 days to remove these fraudulent accounts from my consumer report.Law is Law there is no substitute for it. I need these accounts removed IMMEDIATELY as they have tarnished my reputation as a consumer
Consumer complaint received 2022-07-22
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. (FL)

On XX/XX/XXXX I lost my wallet and ID. The next day I noticed a number of large transactions ( XXXX ) on my XXXX Chase XXXX card ending in XXXX. I immediately reported the situation to my credit card company. They opened an investigation then things went sideways. They denied my claim and I asked why they didn't provide any real reason. They then asked me two months later to file a police report. XXXX Chas XXXX requested my credit information and the replacement request of another card. I immediately provided both pieces of information. I informed XXXX Chase XXXX that they asked me early on if I filed a police report and I said no, but was happy to do so if they needed me to. I am happy to do so now, but what I find odd is that I can not get any information from the credit card company to give to the police that may aide them or something that explains as to why now this request is needed. Also, I asked what the merchant has provided and XXXX Chase XXXX said nothing to date. I found that to be even more strange. So large transactions without merchant repsonse is now the obligation of the card holder. Doesn't seem right. Please feel free to contact me at XXXX for additional information.
Consumer complaint received 2021-07-07
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX FED XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-28
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: LEXISNEXIS (FL)

On XX/XX/2021, I sent a letter to LexisNexis regarding fraudulent, unverified information they have on my credit report. 

I am exercising my right under the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy 15 U.S. Code 1681i. LexisNexis is required by Federal Law to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Much of the information they have listed on my LexisNexis report is no where to be found on any of my credit reports with XXXX, XXXX or XXXX. So where is LexisNexis getting the information from? Where are the applications, the wet signatures, proof of identity that they used to verify my information? 

They have multiple variations of my name, which all are incorrect, yet they " claim '' they've have verified it. Please ask LexisNexis to provide us proof of the information they used to verify this information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible 100 % accuracy in the credit reports you publish. Your agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they have proof. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Please include all names and contact information of employees that you spoke to act as a part of your investigation to have proof to furnish anything on my credit report. And if you can not provide me proof you are obligated by law to remove these items from my credit profile, please.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (GA)

I have informed all 3 credit bureaus about this loan I did not open under the creditor " Marcus by Goldman Sachs ''. This account was opened in XXXX for $ XXXX in XXXX. After speaking with Marcus by Goldman Sachs I was informed that the account was 1 ) Opened Online 2 ) Never had a payment made on it 3 ) Was not acquired/signed for in person. Therefore there is no proof I ever received this. My credit has been exemplary and this account blemish has brought my credit down from XXXX to XXXX. My credit line has never shown a personal loan like this and I have been on time with everything. 

I submitted an original FTC complaint XXXX on XX/XX/XXXX and in coordination with XXXX  and communicating with Goldman Sachs they acknowledged this was most likely fraud and removed the error, this was resolved back in XXXX. On XX/XX/XXXX the disputed account popped back up. Dropping my credit score yet again. 

Marcus by Goldman Sachs needs to own their error and stop punishing those who did not open a credit line with them. The only credit line I ever had with Goldman Sachs was an XXXX XXXX which I always paid on time and they forcibly closed on me as retaliation after I submitted the fraudulent report on the unrelated Marcus by Goldman Sachs. 

This is the 2nd time I'm having to deal with them. Please help me get their fraudulent writeoff off my credit report.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Incomm Holdings Inc. (KY)

Called the contact center at XXXX on XXXX XX/XX/2021 and asked why I was receiving a card I never asked for. It is being advertised as a Prepaid Visa Card and asking that I transfer my deposits to this card. I am concerned that my credit score could be affected by this and that someone is trying to ruin my credit. MyVanilla company insinuated that this card was requested by me and they had my information when I was asked to verify. This also concerns me.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX National Credit system , Inc was contacted about a letter received in the mail about a debt for the amount of XXXX. XXXX was the person responsible for the account. When, i was transferred i was connected to her. As, the representative she was the one handling my case. We talked on the phone about the the debt owed to the XXXX XXXX then I informed her after looking at the charge statement that there were discrepancy and inaccurate information reported from the XXXX  XXXX XXXX. When, this was mention to XXXX XXXX she kept referring me to the lease agreement and kept telling me that I still have to pay the debt even if what they are reporting is false. Also, when asked for a more details charge statement XXXX was unable to provide the documents claims. 
However, a proper noticed was given to the XXXX XXXX in which they Summit falsified information to the collection. In they are telling me to pay and that their client have a right to whatever charge and i have to pay. I explained to her that a written notice was given and the correct move out date which was XX/XX/XXXX. 

After, that I kept asking for a better explanation to properly understand the charges XXXX proceeded to tell me " she was not going to keep going back and forth with me because has already explained to me ''. Which, was when I told her " I'm not going back and forth with you because I'm trying to understand these charges which are not making any sense to me '' then she said " yes you are, '' then I said " I'm trying to understand these charges, ''. 

However, the conversation carried on in which XXXX started to become very unprofessional, rude, emotional and condocending. Then, proceeded to abruptly disconnect the call. 
She also brought up that " they were her clients '' and I replied back " Yes, they are your clients so your going to do everything you can to get me to pay even if its false, so you are bias in this matter because your not her for me but for your client. She She told me I was taking this personal and making this personal. In, which I had to say " no I'm not, '' again. I, then told her that I'm trying to understand charges. I'm being told to to include late fee in the amount but it is included in the statement charge. 
On top of that when asked for a detailed statement she said she has to contact her client for them to properly confirm but if that was the case the settlement would be no more and it could more to pay for me. Also, to send in documents and a letter about the charges. She then proceeded to escalate the the dispute when I did not give consent or direct permission.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In XX/XX/2020 I was approved for a forbearance. I was informed one of the options was at the end of forbearance, they would just add the payments to the end of the loan. Each quarter they would contact me and using emotional blackmail, convinced me to continue the forbearance. Also, I wasn't making enough money to cover, so why not? 
What they failed to tell me was the principal doesn't change and they entire years worth of payments would be added onto my principal. For instance, in XX/XX/2020 my remaining balance was ( I'll round up ) XXXX. The payoff on my statement shows XXXX. My payoff if I were to refinance or sell the house is now XXXX. Why in hell would I ever approve an extra ( actual net XXXX ) increase in my principal? If my balance was XXXX, how does it now increase? They never explained that when I asked. Their paperwork does not state. 
I get it, I wasn't making payments as part of the forbearance, but the principal if I were to refinance is not XXXX higher? Thats like three card XXXX. 
The agent told me I am paying down the principal, yes no $ hit, I'm on my 3rd mortgage payment since I got a new job in XXXX. If I had known, I would have exasperated my savings, or worked 3 jobs, oh right, there was a pandemic, there were no jobs. 
Sorry. I digress. This was predatory because of my last name. 
What can I do?
Consumer complaint received 2021-06-18
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Below is my original complaint regarding Bank of America : Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts.

2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from XXXX  does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

In addition, they have reversed two XXXX charges without investigating my dispute. These reversals caused my account to become overdrawn and they charged me overdraft fees. Also, they did not refund the monthly maintenance fee for my savings account. Without notice, they started charging a maintenance fee on my savings. They have also closed my savings account due to the negative balance caused by the fees and have said I will be reported to a consumer agency for the closure of the account for having a negative balance.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NY)

EARLY IN XXXX WE WERE LOOKING FOR TEMPORARY HOUSING IN THE XXXX NY AREA ; WE WERE LIVING IN FL AT THAT TIME AND ANTICIPATING A VISIT WITH FAMILY IN NY. WE FOUND A POSSIBLE PROPERTY ON XXXX ON OR ABOUT XX/XX/year> AND SUBMITTED A RESPONSE. SUBSEQUENTLY RECEIVED A RESPONSE FROM FROM A XXXX XXXX, CLAIMING TO BE THE OWNER, CONFIRMING THAT THE HOUSE WAS AVAILABLE FOR RENT FOR OUR DATES. ORIGINAL LISTING ON XXXX INCLUDED PICTURES OF THE HOUSE AND PROPERTY ; COPY OF HIS EMAILED RESPONSE OUR INQUIRY ON XXXX, attached XXXX XXXX OFFERED THE FOLLOWING IN AN EMAIL INSTRUCTING HOW WE SHOULD SEND DEPOSIT USING XXXX. 

Hello, Here is the information on my wife 's account. 
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX Account Number : XXXX Routing Number : XXXX Bank name : XXXX ALL FUNDS WERE TRANSFERRED FROM OUR SUNTRUST BANK XXXX XX/XX/year> $ XXXX MONTH VIA XXXX BANK XXXX. SAME AS ABOVE XXXX {$100.00} PARTIAL LAST MONTH RENT AS ABOVE XX/XX/year> {$500.00} BALANCE OF LASRT MONTH RENT XXXX AS ABOVE XX/XX/year> XXXX SECURITY DEPOSIT XXXX AS ABOVE. 

WE AGREED ON AN ARRIVAL DATE AND KEPT HIM UPDATED AS OUR PLANS CHANGED. 

AT SOME POINT IASKED HOW WE WOULD GET ACCESS UPON OUR ARRIVAL ; HIS RESPONSE ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Hi, Upon arrival the keys will be handed to you by the property management company and all necessary details will follow. 

I have an offer for you, If you can come up with another 2 months rent now I will fortit the next month 's rent in the future. Let me know if you are interested ASAP as the reason is a family emergency. Thank you. 



NOTE HE ATTEMPTED TO GET MORE MONEY UPFRONT. 


UPON ARRIVAL WE FOUND THAT THE PROPERTY WAS OCCUPIED BY SOMEONEWHO HAD RECENTLY PURCHASED IT AND IT WAS NOT AVAILABLE FOR RENT. THE OCCUPANT TOLD US THAT WE WERENT THE FIRST PEOPLE TO SHOW UP EXPECTING TO RENT THE HOUSE, SHE HAD DISCOVERED THAT SOMEONE HAD TAKEN THE PICTURES OF THE PROPERTY OFF THE ZILLOW LISTING AND USED THEM TO CREATE THE XXXX XXXX.
Consumer complaint received 2021-06-18
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. (CA)

My credit was pulled without my consent by " XXXX XXXX '' on XX/XX/2020. I called them as soon as i saw an inquiry alert on my phone. I wasn'y bounded around to 4 departments, and they said they would remove the inquiry from my credit report and to wait 30-60 days. i waited and called back, this time they could not find the application that had my info, but i didn't stop until someone could see, this person apologized and said they would fix, and that an account was opened but it was not my name, so maybe someone type a SSN that happened to be mine, but they would fix. I checked today and not fixed and its ben 12 months.