davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (NC)

Tuesday XXXX, my husband and I submitted ONE construction loan application with only our bank because we trust our bank with our assets and information. Wednesday XXXX, a disturbing amount of calls and text messages to my cell began. By Thursday XXXX, I received over 100 calls from lenders. Some, like XXXX XXXX, stated that they were given our social security numbers and credit scores from the credit bureaus. Some mentioned XXXX specifically. One mentioned XXXX XXXX ( the company that ran our credit for the bank ). Selling our private information to hundreds of companies should be a violation of our privacy and safety. When our bank ran our credit, we trusted that our information would be safe. We had no idea the credit bureaus would sell our information. 

I wasted the last three days answering calls, signing up for accounts to freeze our credit and add fraud alerts, signing up for opt-out prescreen and the do not call registry, and researching what to do and how this could even happen. It is our choice who we apply with and not a credit bureau 's. Consumers should have to opt-in for trigger leads and sign up for accounts for their information to be shared and not the other way around! We werent interested in working with other lenders or having the credit bureau send even one of the more than 100 lenders to my cell phone. 

Everyone I communicated with at XXXX claims XXXX never shares phone numbers, credit scores or socials. That is a lie. All of the lenders obtained our phone numbers through XXXX, Experian and XXXX from their trigger lead, prescreened and pre-approved programs. They also shared our information with scam callers. Before Wednesday, my cell rarely received phone calls. Now, I cant get work done because of the calls and stress. When I ignore the calls, they just keep calling back. Im forced to answer to plead with the lenders to stop calling. Our financial security is at risk thanks to the credit bureaus. Their trusted partners now have all of the identifying information needed to access our money and create accounts in our names. 

I attached some of my call log from Wednesday to Thursday afternoon. No one should have to go through this and be punished for working hard to maintain good credit. Its shameful to pretend the trigger lead and prescreened practices are to benefit consumers. It's all about money and not caring who the credit bureaus harm.
Consumer complaint received 2023-05-05
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. (MI)

i HAVE DISPUTED THESE FRAUD ACCOUNTS WITH THE CREDIT BUREAUS AND THE BANK. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. THIESE ACCOUNTS ARE NOT MINE, I DID NOT SIGN ANY APPLICATIONS FOR THEM, THEY DO NOT BELONG TO ME. ALSO THESE ACCOUNTS DO NOT EVEN SHOW COMPLETE REPORTING, OPEN / CLOSE DATES, COMPLETE PAYMENT HISTORY, WHICH IS ANOTHER INDICATOR OF A FRAUDULENT ACCOUNT. I HAVE ATTACHED THE FRAUD INFORMATION BELOW. POLICE REPORT, ID THEFT STATEMENT AND A COPY OF MY ID
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX XXXX, XXXX I went to 3 JP Morgan Chase Bank branches in XXXX, Ohio to cash a refund check from Ohio University from my federal student loan. Chase has an account with XXXX University and their name is on the check. The first branch i went to was XXXX, XXXX XXXX XXXX. XXXX, Ohio XXXX. I gave the teller 2 pieces of picture IDs which was my Driver 's License and an employment ID and I endorsed the check with my signature on the back right in front of the male teller. He did not ask me for any additional ID but he asked me did i have an account with Chase. I told him no and i was willing to pay for the check cashing fee which was {$8.00}. He log on to the computer and told me the computer was not working and he could not cash it and then he stamped endorsement cancel on the back of the check. I left and went to a 2nd branch located in XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This branch cashed my last refund check from Ohio University a couple months ago. This time when i tried to get the check cash there, the female teller refused to cash it and I was told by an male employee that the amount was too high. The staff also requested a stub for the check which i gave to them. Then the staff told me to sit down and wait while they make a phone call, then they motioned me over to a desk and told me they couldnt cash the check because the computer was not working and ask me did i have any more identification. I took my id information and the check and left. 

That is when i called Consumer Financial Protection and gave an account of what happened. The first 2 calls were accidentally dropped but the 3rd call wasnt and i spoke with a lady and told her what was going on. She suggested i file a complaint online. After i hung up with her, i went to a 3rd Chase branch located at XXXX XXXX XXXX. XXXX, Ohio XXXX. The male teller told me that the amount on the check was over Chase 's limit. He told me to wait while he called for approval. After he called, he told me, he couldnt cash it because it wasnt approve. I left that branch and went home with my check.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NM)

In XXXX I closed my XXXX cable account by paying what I owed in full. I would not have been able to closed the account without paying what I owed first. 

I received a bill from XXXX XX/XX/XXXX ( over two years later ) stating that I owed {$180.00} without any documentation as to why I owed this. I contacted XXXX Customer Service and was informed that they had just updated their software systems and they alleged that I owed the {$180.00}. I told customer service i closed my account two years ago and it was paid in full at that time. Customer service could not provide me with any information as to why I owed this debt two years later, other than that there was a computer glitch. As far as I know, a company ca n't just make up a debt and say you owe it without physical evidence. 

A week after I received the bill from XXXX XXXX, My alleged account has now been turned over to a collection agency called Convergent on behalf of XXXX XXXX, stating that I owe the {$180.00} and need to pay it immediately. 

These are the alleged account numbers ; XXXX account number XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Convergent Outsourcing, Inc. account number XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I do not owe this money, and I request that you help me.
Consumer complaint received 2023-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

XXXX or XX/XX/XXXX I went to a XXXX XXXX store to take inquire about changing my services from XXXX to XXXX XXXX and taking advantage of their promotion that they would pay off the existing phone bill at XXXX. There were 3 young men at the counter trying to help me. While one was trying to verify my information, the other went into the back room and got SIM cards. The third man was getting a code off my current phone to unlock the phone. When the third man discovered he was unable to unlock my phone. He tried to convince me to purchase a new {$1300.00} XXXX which I did not want to do. I called XXXX and they told me I would have to pay off the existing phone balance before they gave me a code to unlock the phone. This was opposite from what XXXX promotion was about. I didn't not have those funds to do it, so I told the 3 men to cancel everything. XXXX  ended up matching the same monthly promotion as XXXX. The man said he would cancel out the account. I walked out of the store. I kept my account with XXXX. Then in the fall of XXXX I get a {$750.00} collection in the mail from a collection agency. I called them and told them what I explained above. They said they would reach back to XXXX. I called XXXX and they told me I had to go into the store and talk to the manager. I went into the store and the manager said he couldn't do anything, and I would have to call XXXX  customer service. I called XXXX XXXX  customer service and they said they would investigate it. 30 days later the collection was removed from my credit report and I heard nothing from XXXX. Then on XX/XX/XXXX I get a collection agency sending me mail that was trying to collect on the same amount. I called them and explained the same thing above. This is IC Systems, and they still have the account. I disputed it with them over the phone and told them I never used the services and this was false information. They said they would investigate it. They placed it onto my credit report and then mailed me a letter saying they verified it and sent a final bill statement from XXXX. That end showed I never used their services. I called the collection agency back and disputed it again, they then tried to offer my a settlement to pay the bill. I told them I didn't use the account and I wasn't going to pay for anything I didn't use. I called XXXX XXXX again and talked to another person who told me it could take up to 2 weeks for them to investigate and she would call me back on XX/XX/XXXX. She never called back. I called XXXX on XX/XX/XXXX and the person I spoke with told me that I would have to call the collection agency. I told her they were not going to do anything, they wouldn't take dispute and they want me to pay it. I told her I called before to XXXX XXXX  and the person was suppose to call me back on XX/XX/XXXX and they never did. I requested to speak with a manager. I was put on hold for 30 minutes waiting for a manager.
Consumer complaint received 2024-10-10
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. (OK)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-05
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. (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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A 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 2023-05-05
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. (MO)

My Investigation was completely ignored, accounts DONT belong on my report. Unresolved 15 U.S.C 1681 ( section 602 A ) States i have the right to privacy 15 U.S.C 1681 ( Section 604 A Section 2 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

I disputed an account on experian that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from XXXX showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to XXXX 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.
Consumer complaint received 2023-02-03
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. (GA)

XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with XXXX, XXXX, & Equifax has not validated this debt, XXXX has not provided methods of validation and the debt collection has not provided original contract with XXXX XXXX with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their XXXX XXXX XXXX  Management, I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but XXXX points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXX Bank  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, XXXX XXXX
Consumer complaint received 2023-05-05
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. (GA)

I am in receipt of the re-investigation results conducted by Equifax, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans  face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo does not allow me to make additional principal payment from the first of the month to the final due date of XXXX of the month. I have to make the principal payment almost ( at least ) 15 days before and it is interest free for them. That is another fraud by Wells Fargo.
Consumer complaint received 2023-05-05
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. (IA)

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 : account # XXXX and XXXX : account # XXXX has violated my right. 

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

15 U.S.C 1681 Section 604 A 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

All of the money was taken from my account based on a legal order that was made in error, submitted XX/XX/XXXX. I called Truist multiple times on XX/XX/XXXX and XXXX and the lawyers sent a dismissal multiple times to Truist confirming that the money should never be taken. I went in person to Truist on XXXX as well and confirmed that the dismissal was sent and would be processed. All of the my money was seized from my account in error and Truist has been negligent in resolving this issue.
Consumer complaint received 2023-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP (LA)

My car was not reported by the finance company and I been going back and forth with them. But they refuse to contact any of the 3 bureaus and add my car. The company is Honda Financial Services
Consumer complaint received 2023-05-05
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-05
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: Westlake Services, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX Reason : unspecified Duration : this inquiry is scheduled to continue on record until XX/XX/XXXX XXXX