davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-10-03
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-03
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On  X/XX/2017    I attempted to pull my credit report from TransUnion 's website. Like many services that deal with confirming your identity they requested my credit card information.     There was a single reference to a subscription on the page prior to entering credit card details. " You may cancel your subscription anytime by contacting us or do nothing to have your membership continue without interruption. '' but no mention of price of subscription.     I enter my CC, confirm my identity and move forward expecting to get another screen to select a trial or level of subscription then complete the order. Instead they charged {$21.00} to my card beginning the subscription immediately.     I can find no reference to price of subscription in their service agreement or on any of the pages during signup.I will be disputing the charge with TransUnion but the practice is dishonest at best.
Consumer complaint received 2016-07-28
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blakely-Witt and Associates, Inc. (TX)

I have XXXX filings in my credit for XXXX apartments that I 've never lived in. They are still on my credit report. I have letters explaining these issues. Also, I looked these properties up, they do not exist. Another company took them over and now are a different name. I do n't know what to do at this point. I 'm trying to live at another apartment complex and this is the only thing holding it up. Please tell me what I should do. This is very frustrating. XXXX is from XXXX, XXXX went to this collection agency in XXXX.
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (FL)

XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on Equifax currently they just reported I was late 90 da ys, 34 tim es and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's o n two occasi ons, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 431503 , 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 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.

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

15 U.S.C section 604 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 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (UT)

I ordered all  XXXX  credit reports to check my credit I needed a loan and they were saying that my scores were too low. After receiving the report I found many accounts under my ssn but I had received a letter from  Office of Personal Management  stating that their computers had been hacked then my husband was killed and a Bankruptcy was filed. I was in no way able to function because of this.   on    XX/XX/XXXX    I sent a letter to Wal-mart asking them to send me Pursuant to the the Fair debt collection Practices Act. " validation " that is competent evidence bearing my signature on the contract. I asked that they get back to me within 30 days and for them to contact the credit reporting agencies that I was disputing this. I was not contacted within the 30 days and it was not reported on my credit report as being disputed. I sent a second letter on   XX/XX/XXXX   and again   XX/XX/XXXX  . They never sent and thing except a letter saying they had transferred the account to a different company. The letter were all certified and with return receipt requested which I received. I   XX/XX/XXXX   I got a new credit report still wal-mart had not reported the card disputed. on   XX/XX/XXXX   I sent a letter to all  XXXX  credit reporting agencies asking for the same information at that time a dispute was put on the account but they did not not send me any information for 60 day under the  FDRC  they only have 30 day when i got the letters back the simply said it was validated. who Validated it and how was it validated? I have asked  4 ti me for the information and they will not send it to me. If they do not have a contract with my signature on it then it is not mine and I want it removed from my credit account.
Consumer complaint received 2017-05-22
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (AR)

This complaint is in regar ds to National Enterprise Systems , Inc tr ying to collect {$1500.00} for a debt to  XXXX  that I have settled on  XXXX   XXXX ,  2017 .  XXXX  responded to a complaint through CFPB with a letter stating that they would accept my settlement offer and report that the account is settled in full. This is not a fair practice.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX  Account #  XXXX  ''
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Paid a few to   XXXX   XXXX   XXXX   that told me my payments would resolve my student loan debt and close accounts. After paying for months the accounts appeared closed on my credit report. However recently the accounts are back open and delinquent. And the departure of education took my tax return as payment.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has a WRONG negative mark - from an XXXX. 

I never paid my XXXX late, Transunion communicates very poorly and is not fixing their error my credit report. 

Very disappointed XXXX
Consumer complaint received 2017-05-23
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: ALLY FINANCIAL INC. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all three credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

XXXX   XXXX  2017  Someone hacked into my account both email and debit card with Chase bank. I told Chase and they cancelled my card gave me a provisional credit I thought would be end of it. I told them it was not made nor authorized by me. Recently Chase reclaimed the $ XXXX  saying something was delivered to my address. I never got anything.
This is their file on my bank account 

  XXXX   XXXX   , 2017  	   XXXX     XXXX  FL  XX/30 
  XXXX   XXXX  2017 	Reversal:  XXXX   XXXX  FL
  XXXX   XXXX   , 2017	Cl aim reversal:  XXXX   XXXX  FL

From  XX/XX/XXXX  to  XX/XX/XXXX  today I emailed on secure server. I give up with Chase.

Last

This I recently discovered.


Regarding the $  XXXX   fraudulent purchase not made by me in  XX/XX/XXXX , I have new info to share with you.

I can't give you any other proof, except today I discovered I was still infected from  XX/XX/XXXX .

Today I downloaded a program called   XXXX   XXXX  , but I was afraid to give my credit card info because of still being infected.

Instead I used the program to show me what registry keys were infected as well as two browsers. And I manually took out a total

of  XXXX  objects   XXXX   XXXX    detected. It took me over 5 hrs to do.

The things I was infected with all along are as follows 1]  XXXX  it says it disrupts pc operations, gathers sensitive info

2]   XXXX   it says it exploits vulnerability and security flaws malicious website and email downloading attachments to steal

your private info.  3]   XXXX   similar to # 2. 4] Malware.  XXXX   hijack browser and search results These 4 are severe category.

Next list are moderate severe 5]  XXXX  6]  XXXX .it search hijacks browsers. 

Now less severe category 7] Adware Helpers 411 infections.  More Adware programs 8] Adware.  XXXX   46 infections.

9]Adware.  XXXX   XXXX   XXXX  ,  10] Adware.  XXXX   11]Adware . XXXX  12] Adware. XXXX   XXXX  infections .

Please look up these things on google to verify they are what I say I removed.

At this point because of what I found today if you don't reverse the reversal charge I will be filing a complaint

against Chase with the cfpb.


And if you force me to do that I will also be looking for another bank sometime later this year.

I can not do business with anyone who insults my integrity and honesty.

This email was sent to 

To: " XXXX "  
Sent: Saturday,   XXXX   XXXX   , 2017   XXXX   XXXX 

Chase isn't listening to me. So I'm filing this complaint.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NJ)

On    XXXX   XXXX    , 2017 I  responded to promotion b y Wells Fargo,  in obtaining a  Visa  card from them. The promotion stipulated, " {$200.00} Cash Rewards Bonus when you use your new card to make {$1000.00} in purchases in the first 3 months. '' I saved PDF of the promotion and the application, which I electronically submits to  Wells Fargo .   On   XXXX   XXXX    2017  I faxed their  Executive O ffice (  XXXX ,  XXXX , and  XXXX  ) about refusal of the Rewards Departmen t of W.F., in givin g me the {$200.00} cash-reward, as I had already (  1 )  spent over {$1000.00} using the  W.F . credit card and (  2 )  paid off the outstanding balance on the credit card. In so doing, I also faxed them the PDF of the promotion, upon which I had obtained the credit card. Attached please find PDF of the promotion, to which I responded. and my letter to  W.F.    Apparently,  W.F. , was telling me that ( 1 ) instead of the {$200.00}, they wanted to pay me {$150.00} and apparently they wanted to defer the {$150.00} payment to   XXXX  2017   .   Soon after opening the account, it became clear to me that there was absence of integrity and banker 's mindset deeply rooted at  W.F.,  upon which I stopped using their credit card, altogether. Further, I probably shall commence legal action agains t W.  F.,  should they fail, in paying off the {$200.00} to me by   XXXX  2017   .   They are numerous other issues with W.F. Credit Card, such as their refusal in paying the rewards promised as percentage of your spending, as they demand to pay such rewards in {$25.00} or {$50.00} incriminates. As such you can not only redeem {$50.00} on a {$70.00} accumulated rewards.
Consumer complaint received 2017-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

I received  XXXX  in the amount of  XXXX  on  XXXX / XXXX / 17  @  XXXX  into my Coinbase wallet. As for a confirmation code I did not re ceive one. I h ave tried close  to 10 tim es now to contact Coinbase customer service via the only means possible, online request &  XXXX . I  received one res ponse on  XXXX / XXXX /   17  but all they did was ask for the same information I had already provided so I reiterated it & never heard back. Here is  the Case #   XXXX  generated by my inquiry. I have numerous other case #  's ( Case #    XXXX ,  Case  #  XXXX ,  Case #   XXXX   )  that have been provided in their email acknowledging receipt of my inquiries however that 's all you hear from them. From what it looks like on  XXXX  many orhers are having similar issues with Coinbase.     Thanks
Consumer complaint received 2024-10-03
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. (PA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

I took a mortgage with  Citi in 2015. My wi fe and I moved assets to the bank to obtain a mortgage discount of 0.25 %. Within the last several weeks I received a check from Citi stating that they realized they had made a mistake and did not apply the agreed discount to the mortgage. They applied a 0.125 % discount instead of the full 0.25 % as agreed. They included a check for the amount  XXXX . This is for five years of interest on the difference between the agreed interest rate and what my wife and I are currently being charged. This was Citi 's mistake and because of it I am being forced to accept a partial reimbursement. They are only willing to provide me with a check for 5 years of the interest difference rather than the full 30 years. The difference is ov er 18,000 doll ars. This is not something my family can afford to accept. This is a long term home for our family as evidenced by a 30 year fixed loan and we should not have to accept  Citi  's partial payment for their mistake.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MI)

On  XXXX / XXXX /   17 I  received a credit report monitoring update that a collection was place for {$240.00} through Allied Collections with no contact information for this account, no previous attempts to contact me through mail or phone. I call the company at  XXXX . They are located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX . I spoke to  XXXX  at   XXXX   XXXX   on Monday  XXXX / XXXX /   17.  He informed me the debt was for {$240.00} with   XXXX   XXXX   XXXX   I then informed him I was never contacted by his company, he said a letter was sent out earlier this year, to an address I do not live at In a town I do not live in. I also informed him this company is not even licensed to practice or lend in the state of Michigan. I have been dealing with illegal debt collection from this company before and the CFPB knows this and has deleted this before. I was given an email address of  XXXX  XXXX  XXXX  to dispute the claim. I sent an email immediately demanding that it be removed from my credit report in the next 24 hours. I then came here to file my complain as this company has illegal debt collection practices.     1. Trying to collect a debt with no proof of debt, from a company not even licensed in the state of Michigan to give out loans.
2. Not notifying person ( myself ) that a debt was trying to be collected, allowing me to dispute said debt.
3. Reporting negative on my credit report in behalf of an illegally running company.
4.   Not checking on the company they are doing services with to make sure the debt collection is even legal.