davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

requesting for my free credit report for my employer need it eminently from my all 3 credit bureau.XXXX  and XXXX send it to me as soon as i requested but experian after many security questions i answered correctly did not send it to me and asked me to wait for 15 days to mail it for me
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XXXX XXXX, 2017. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (WI)

I do n't remember how it started other than a young fella wanted me to put " extra [ rptect extra protection '' on my account. I agreed. I always followed by account online. I used by checks and debit normally. I had automatic deposit. Just after my check was deposited I would get a letter stating I had about {$150.00} in ov overdraft charges. I should not have been overdrawn. This went on for about three pay periods and then I went in and spoke to the manager. But before forward, when I checked my account online it was " fuzzy ''. It shimmered a and it made no sense. It was very confusing and there was no way anyone could track spending. So I talk to the manager and in conclusion I was told I didn did n't know how to use a checking account. ( I am currently XXXX ). Of course, I was was insulted. This went on a few more weeks, six to be exact, as I tried to get away from them. This entire 6 weeks, Wells Fargo was taking all my money. I literally had no money to spend on food and gas or anything else. I fin finally got paperwork completed at a new bank. But I had to give {$450.00} more to to wells Fargo before they would close my account. so for about 4 pay periods I had the overdrafts and then they switched to just taking my entire pay check for three pay periods but then I had to close my account with a balloon payment of {$450.00}. I do n't remember what my years were that I was was there. I also do n't remember what my pay checks were either. If one could find me in their data base. We could then verify income with my tax return. I figure they owe me about {$2400.00}
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (WV)

On XX/XX/XXXX I stayed in a a XXXX XXXX XXXX in XXXX  in XXXX XXXX. The hotel room was absolutely disgusting, to the point where I was uncomfortable being there so I cleaned it myself and the hotel towels were black after I was done wiping everything down. Additionally there was someone else clothes in the drawers and that is just unsettling. Furthermore I was trying to call the front desk to let them know about my issues and not once did they pick up whether it be the room phone or my cellphone that I used. Then someone was literally beating on my door and yelling trying to get into my room while I was in there and I tried to call again and nobody answered. I had to call XXXX. But the person was gone by the time they came. I called the corporate number where they refused to give me a refund for my room even though I had pictures of it all. So I disputed the charge with my bank, Huntington, who gave me a provisional credit. However they took the credit back and took my account negative on XX/XX/XXXX and I called today XX/XX/XXXX and asked why they didnt ask me for any of the evidence I had already told them I had. The representative said they concluded I needed to take it up with the hotel or call corporate and I said I did before I filed the dispute and they wouldnt do anything. She submitted a request to reopen the case but said theres no guarantee. So now my pets are out of food and I cant buy them any because my account is negative.
Consumer complaint received 2024-10-10
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. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-14
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-14
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 (MS)

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX These accounts are reporting inaccurate information on my credit report, this is fraud and is not associated with me in any way.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Experian Information Solutions Inc. (NY)

please follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, Date reporting is not reporting correctly Account Rating : Completely incorrect, this account information is not corresponding to me. I had sent letters to the Bureau and I have not received any response and i don't know what else to do. 

Can you look into this matter, please?
Consumer complaint received 2023-05-14
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. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Consumer complaint received 2023-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/2023 The judge allowed a Litigation Hold for XXXX XXXX XXXX XXXX to answer the questions to the foreclosure complaint filed last year. The XXXX XXXX XXXX has more than enough time to do so. Illinois Department of Housing Authority has been waiting for Fifth Third Bank , National Association to get back to them to bring my mortgage current and to bring the home association fees current but Fifth Third Bank , National Association continues to push litigation and will not respond to ILHAF. The people are running up the litigation cost and the judge is allowing it. I have no choice but to fight them. I am in court with a judge that knows what is going on and she is taking sides with Fifth Third Bank , National Association no matter what I present to her. Now the problem I am facing is that after ILHAF brings my mortgage current the litigation cost will be so much because of me continuing to fight the foreclosure in court. I should not have to continue to fight when Fifth Third Bank , National Association will not respond to ILHAF. I make more than enough money to pay my mortgage. I had options to prevent the foreclosure before Fifth Third Bank , National Association filed the Foreclosure. I am seeing nothing but XXXX people and the courts not following the law. There are no XXXX people in the courtroom. I am close to XXXX XXXX dollars in legal fees and counting. Fifth Third Bank, National I have contacted ILHAF and was told they would take notes but only could provide a letter to me. This is not fair to me. Illinois foreclosure laws are straightforward and not being followed. XXXX XXXX XXXX placed a lien on my property. Fifth Third Bank , National Association has already ruined my business by dinging my credit and taking time to fix my credit. Now they are not willing to settle my mortgage and continue to charge me litigation fees. I need help ASAP
Consumer complaint received 2023-05-14
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. (MI)

The credit bureaus are sending automatic messaging through a inhumane software to give inaccurate information about my credit report. For the last time, they must remove the inaccurate and fraudulent information from my credit report. Stop using ESO software to respond to me. Dont respond by mail with your mechanical written inaccurate information. 

You are in violation of State and Federal Laws!!! Remove the fraud now!
Consumer complaint received 2023-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (VA)

I called XXXX XXXX about my credit card asking them to postpone the due date to pay for the credit card by 3 days. the agent over the phone said yes we will postpone the due date by 3 days to give you time to pay for the balance that was due earlier than expected because credit cards can be due every 4 weeks instead of every 31 days. They closed my card right after that and did not delay payment by 2 days nor even by 1 day, immediately closed the account and sent it to my collections to damage my credit score. I contacted XXXX XXXX and equifax both to dispute the charge and they denied to resolve the issue
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.
Consumer complaint received 2024-10-11
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. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-11
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. (MI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

I have made several attempts to get the debt collection agency to validate the alleged debt upon proof claim via of bona fide documentation. They have remained tacit in this regard and have never responded to any correspondence sent to them and have violated several parts of the Fair Debt Collections Practices Act.
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Scammers try to send you a paycheck for you to deposit, but the paycheck is a fraudulent one. so in your back, it will show up as + {$1000.00} and they will tell you to send it to their " XXXX '' so once you send {$1000.00}, your bank will find out that the paycheck is a fraud and you will be left with - {$1000.00}. In my case, i used an app to scan the number and it shows that so a good thing I never sent money but I did scan the paycheck, I am on the case to talk to my bank it is not real. They also sent my messages threatening if i don't send the money
Consumer complaint received 2023-05-14
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. (MD)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Dear Sir or Madam, I am writing to formally dispute several items on my credit report, as I am a victim of human trafficking. The accounts and inquiries listed below were opened or occurred without my knowledge, consent, or authorization while I was under the control of traffickers. I respectfully request that these items be removed from my credit report under the protections provided by the National Defense Authorization Act for Fiscal Year XXXX and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that you block & permanently remove all information that is the result of this fraudulent activity and ensure that these items no longer negatively impact my credit report. I have enclosed the necessary supporting documentation, including proof of my victim status. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-14
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: Convergent Resources, Inc. (WA)

In accordance with the fair credit Reporting act XXXX  account ( finance ) # 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 an account without my 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.
Consumer complaint received 2024-10-11
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. (TX)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TD BANK US HOLDING COMPANY (NY)

Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID * THIS COMPLAINT NEEDED INCLUDE MORE INFORMATION!!! THE XXXX XXXX VEHICLE ALSO WENT THROUGH A MAJOR ACCIDENT IN XXXX, XXXX. I SPENT BETWEEN $ XXXX {$7000.00} ON REPAIRS, ( INCLUDING STRAIGHTENING A BENT FRAME ), AND THERE WAS A LAW THAT STATES THAT LEASE COMPANIES CAN NOT SUE FOR THE FULL AMOUNT IF THERE'S A MAJOR ACCIDENT!!!! 
XXXX XXXX XXXX XX/XX/XXXX