davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Si
nce you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-04
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04
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. (WA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NH)

This complaint is in response to my previous complaint number XXXX. I had stated in the previous complaint that 3 small charges came through on my Capital One credit card. When I had stated that previously I think there was a misunderstanding. Even though at the time I didn't know what those charges were my real complaint was that when I called Capital One to dispute the charges the person I spoke to at Capital One forwarded my call to a scammer. The scammer said they were from XXXX and that my identity was compromised. Since I thought they were legitmately XXXX employees they scammed me out of {$250000.00}. I called the telephone number on the back of my Capital One card XXXX. Maybe that phone number was hijacked but when I thought I was calling Capital One I was probably calling a scammer. I think Capital One should be held responsible for sending my call to a scammer. Since I made this complaint I called another Capital One number that I looked up on the internet and that person verified that that XXXX number has been spoofed by other people forwarded to scammers. The Capital One number I had called was XXXX. I had called this number on XXXX XXXX. I just wanted you to know that. I am now in touch with a lawyer to make Capital One responsible.
Consumer complaint received 2024-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I have been asking for pay off amount to pay of the loan I have been denied pay off amount for close to 2 weeks or more. My emails send to single point contact and his supervisor all not been returned and they are refusing respond my email and provide me pay off amount so they can foreclose the property.
Consumer complaint received 2024-09-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My name was removed off a warranty deed with survivor 's rights by Huntington Bank on a home XXXX XXXX XXXX, Michigan that I set up for XXXX XXXX and her XXXX children. She also held a XXXX XXXX XXXX to the home with survivor 's rights. Huntington Bank gave her a loan without my approval or signature. To secure their loan, they removed my name off the title through the courts, without my knowledge. I see three guilty parties in this chaos of greed, Huntington Bank, their lawyers along with the XXXX XXXX deed holder - XXXX XXXX. These are legal actions with no justice and should carry severe penalties for all parties. The trail of paperwork displays their actions clearly. We have tried contacting Huntington Bank XXXX Department with no response back.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One is predatory ....

I was advised that the interest rates are variated by the government and that Capital One has no control over the interest rates the agent has no control over the interest rates and no one there can adjust interest rates. They are fixed APRs according to the government..

I was advised that if you want a lower interest rate you will have to do the following which I consider to be predatory hostile and detrimental to one 's credit. If one were to do these actions it would involve damaging one 's credit score.

To lower your interest rates you will have to do the following Make sure your card is paid off and then cancel the line of credit which will hit your credit as a canceled line it will hit your credit as lowered available credit and it will hit your credit as available credit.

Once the damage is done reapply to Capital One for a new card and hopefully we'll give you a lower credit interest rate..

No guarantees .... But you'll have to cancel the other lines of credit before we can issue these new lines of credit and possibly lower interest rates...

Capital One says we're just apply for a new credit card the Capital One won't let me apply for new credit card it says I have too many accounts they say that's not possible that must be an error in their system ....

I have a stellar credit rating I have four cards of Capital One right now two of which are paid off One is below 25 % and one is below 15 %.

All four credit cards are approximately 30 % interest respectively XXXX and change XXXX and change XXXX and change and almost 30 %. 

so to get a better credit rating I would have to cancel a card take the hit on my credit score reapply to Capital One take the hit on the credit score and hopefully get a credit card with a lower interest rate that sounds very predatory.

So there's no way to adjust the credit rate to reapply to fix modify an account that's already existing according to Capital One no ....

In perspective to other cards that are in my pocket XXXX cards are arranging between XXXX and 20 % XXXX  are ranging between XXXX and 20 % and a XXXX XXXX XXXX is approximately 19 % so why is Capital One at 30 %... 

I have placed a hold in a freeze in all four lines of credit with Capital One I will continue to migrate the debts over to a different line of credit and I will file to to either remove or close these accounts once I receive confirmation from the CFBP that this complaint is filed.

So Capital One is advising me at this time to hurt my credit to get a new line of credit with a better interest rates because they can't adjust their own interest rates.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I changed my email address for my Capital One credit card account. I was about to lose access to the email address I had been using. On XX/XX/XXXX I was advised that Capital One was sending account correspondence to the old email address. I reported this to Capital One. 

On XX/XX/XXXX Capital One sent a required privacy notice to that incorrect email address. I contacted them again. They asked me to do no end of things but can't say that any of them have rectified the problem. They don't seem to care that they're sending confidential information to an email address that is no longer mine.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

I purchased a mattress from XXXX and financed it using XXXX XXXX. XXXX became XXXX XXXX and can no longer access my original documents. My purchase was suppose to be a fixed rate 5 year term. However, I received multiple defective products and eventually upgraded my purchase to a better mattress. Essentially there were two purchase dates however it should have fallen under 1 promotion. XXXX improperly booked the return and submitted my orders as multiple purchases with differing promotions. Some of the promotions expired and fees and interest were realized. I have made over 20 calls to XXXX XXXX and synchrony to resolve this issue and I keep getting he run around with each company blaming the other for issue. I have been trying to resolve this issue for over a year and have spent countless hours on the phone. I finally had a supervisor at XXXX XXXX advise me how to resolve the issue and when I did as she was instructed and called back and was informed by another supervisor that she improperly instructed me and I had to undergo a whole other process. This was just one example of the many blame games they have been playing. Purchase details below : {$1700.00} initial charge XX/XX/2015 {$3700.00} second charge XX/XX/2015 {$1900.00} in interest charges The initial purchase was for a defective mattress which was returned and then we upgraded. We were assured that the upgrade would fall under a 5 year fixed payoff. However XXXX booked this as two separate transactions instead of a return and a single mattress purchase. 

I have had multiple purchases with synchrony over the years and have always been timely with all payments.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Placed a credit freeze with Experian in XX/XX/2017 after the XXXX  data breech. I wanted to temporarily unfreeze my credit with Experian today and was unable to do so. I have the PIN that was issued at the time of freeze and that still didn't work. Now they want me to mail a letter generated with the denial, along with three other forms of identification. I had no issues unfreezing my credit with XXXX or XXXX today, so not sure why Experian is not complying with the new federal law that requires my credit to unfreeze within an hour. Additionally, there is no way to talk to someone over the phone.
Consumer complaint received 2018-10-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (IN)

We received a letter from our Bank yesterday ( Friday ) saying that Performant Financial 's subsidiary, XXXX XXXX was going to take money from our bank account. We then tried to call XXXX ; but their offices were closed. The offices won't open again until Monday We have not been contacted by XXXX for anything ; and XXXX has provided not documents showing that any amounts are due that they are trying to collect. 

XXXX is claim that we owe the Indiana Department of Revenue ( " INDOR '' ) ; but we don't owe them anything, and INDOR also has not contacted us nor sent us anything, etc. We don't owe INDOR anything that we know. There is a break-down of due process. 

XXXX XXXX actions seem to violate the FDCPA, and other laws ; including Indiana laws. XXXX seems to be engaged in Unfair, deceptive and abusive business practices. As senior citizens ; we feel that XXXX to trying to pull one over on us.
Consumer complaint received 2018-10-06
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. (WI)

Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from XX/XX/XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : XXXX  Prepared for XXXX XXXX XXXX Personal & Confidential Date  Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results SOURCE RECEIVABLES MNG Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name SOURCE RECEIVABLES MNGMN Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History