davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX of SSN # XXXX Attention : Fraud Department Experian XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, The fraudulent account in question is listed directly below. 

XXXX XXXX XXXX Account # XXXX I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX Account # XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2023-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from XXXX. After checking my XXXX credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : 1. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by Capital One NA on XXXXXX/XX/XXXX. Here, I was signed into my existing Capital One credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled XXXX XXXX XXXX on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my XXXX file online and XXXX said I needed to call them to dispute inquiries. When I called XXXX on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call XXXX because they are the credit reporting company and they need to remove it. When I called Capital One NA, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Consumer complaint received 2023-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scratch Financial, Inc. (GA)

I was offered to use XXXX XXXX to pay for an emergency veterinary visit. The amount was minimal, so when I tried to pay it off the next month, the system only allowed me to make a set payment of {$2.00} per month and to be paid with a credit card, not my debit card or checking account. I did this because I didn't have the patience or time to call customer service. I figured, how is this going to hurt my credit...? Finally, I decided to close the account once and for all, so I called customer service, and I felt the rep on the phone was stalling me and purposely did not want me to close the account. Now I think it is evident that this company deliberately wants to put derogatory occurrences, such as 'lates ' on my credit report to lower my score.
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABSOLUTE CREDIT  LLC (NY)

XXXX XXXX XXXXXXXX XXXX Work on my Daughter start was XXXX and I paid in full ; XX/XX/XXXX I asked for a breakdown Ledger for my daughter from XXXX XXXX XXXX after treatment and payment XX/XX/XXXX and asked from a doctor for another Ledger in XXXX! Which my daughter had early treatment she was XXXX or XXXX and after the treatment we were going to just watch her and if she needed braces again as a teenager to see if she needed bracers again I have supporting documents I kept! 
This should of never went to collections This should have never been sent to a collection agency and should have never been sent to XXXX! XXXX XXXX XXXX for years I asked them to please fix this! This has been paid in full! I am glad I kept everything I am sending attachments that I faxed to the Collection Agency Absolute Credit sent me a letter on XX/XX/XXXX! 
XXXX XXXX XXXX XXXX should have never sent this to Collections! 
XXXX please needs to delete collections off my report so it looks like it was never there
Consumer complaint received 2023-06-11
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. (FL)

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 2023-06-11
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)

Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Consumer complaint received 2023-06-13
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. (PA)

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 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 2023-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MO)

House build XXXX by XXXX XXXX  ( builder ) for XXXX program. The builder was named in the suit but he died about XXXX I believe. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX City Mayor XXXX XXXX sent my account to AmeriNat for collection. I became XXXX in XXXX. XX/XX/XXXX I submitted the Loss Migration forms, I was told Foreclosure papers have been filed. As of XX/XX/XXXX I have heard nothing else. I am XXXX XXXX XXXX and XXXX, I can not afford this XXXX XXXX XXXX mortgage. I have talked to housing counselors who suggested applying for heloc loan, I can't afford the rates. The lender who has the XXXX lien denied a home improvement loan in XXXX. I am old, XXXX & XXXX so I feel like I have a target on my back. XXXX XXXX ( XXXX. XXXX8 ) https : XXXX
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

My checking account at Chase was compromised by someone printing and cashing fake checks that were not in my name, but had my routing and account number at the bottom. The checks were printed as if from various companies, like insurance and legal companies. Checks did not have my name or signature anywhere. See an example attached. 

In total, about {$10000.00} were lost from my account due to this. 

In a span of three days from XX/XX/2019 through XX/XX/2019, hundreds of such fake checks were cleared from my checking account. Normally I would rarely write any checks. In the past I wrote probably one check a month or so.

Chase proceeded to approve these transactions and cleared funds from my account. I was alerted to this happening by automated email from Chase about my account being overdrawn. In addition to fraudulent transactions, Chase charged three separate overdraft fees to my account. 

Upon receiving an alert and realizing the problem on XX/XX/2019, I contacted Chase by phone, then visited the branch, where I opened a claim with Chase. Chase froze the account and informed that it would take 3-5 days to process my claim.

Two weeks later, as of XX/XX/2019, Chase has not refunded my money ( around {$10000.00} ) and is claiming that the investigation is still ongoing. 

I asked why Chase can not proceed with reimbursing me while their investigation is ongoing, but did not receive a satisfactory response. 

Essentially, the same can happen to anybody with a Chase checking account, as it's apparent that Chase doesn't have any automated monitoring or alerting around suspicious checking transactions, does not verify that checks even have an account holder 's name or address on them, and does not verify signatures.
Consumer complaint received 2023-06-11
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. (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX  I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$3600.00}. XXXX XXXX XXXX {$2400.00}. XXXX XXXXXXXX XXXX XXXX XXXX {$850.00}. XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX {$2700.00}. XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX {$2800.00}
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

I been trying to get late payments removed 5 of them from navient. They are not willing to work with me and I been in a rough situation since cov started also been on forbearance. Dates are XX/XX/2020 to XX/XX/2020 5 months
Consumer complaint received 2020-11-13
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: Colony Brands, Inc. (GA)

This account with SWISS COLONY / XXXX XXXX XXXX, WI XXXX, was disputed and deleted back in XX/XX/2020, for being a non-reportable account. This account was opened as a noncredit reporting and noncredit based account. The creditor keeps reporting this account after it's removed, causing me financial hardship, pain, and suffering.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (KY)

I financed a vehicle with BB & T/Truist . The vehicle was traded in. BB & T/Truist reported a late payment on my credit which would not be possible because it was traded in and paid off. I later found out that BB & T/Truist did not place a proper lien on the title when I initially purchased the car nor did they respond to the payoff request from the dealership, so the check had been issued but the bank didn't acknowledge the payoff, thus reporting in a late payment being reported to my credit in error.
Consumer complaint received 2023-06-11
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. (CA)

I am filing this complaint because XXXX 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 XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

WFBNA CARD {$5100.00} XXXXXXXX XXXX XXXX {$3400.00} XXXX {$12000.00} This are fraudulent accounts on my credit reports
Consumer complaint received 2023-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because XXXX 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 XXXX  day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2023-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I have had federal student loans since XXXX at XXXX for my XXXX and XXXX XXXX in nonprofit management. I have worked in XXXX  my entire career with a short period in default but otherwise have paid well over XXXX and over XXXX payment. Somehow I still owe XXXX. I have requested an entire print out of my payments including balance and interest rate along the way. The current servicer Mohela claimed they could only provide back to XXXX and to contact studentaid.gov. They said prior to that servicers have either gone out of business or information not accessible. Mind you the federal government has changed servicers at least 5 times over the duration of my loans. I spoke to studentaid/federal government to request a full report of the money I PAID the federal government and they said it isnt accessible because companies out of business. I then submitted a complaint with them requesting once again my full report. They closed my complaint without resolution. I spoke with them again the other day asking what the resolution was and the person on the phone was confused why there werent any notes and it was closed. This is corrupt. How do I owe XXXX after paying 20 years on a XXXX federal student loan? Why cant the federal government provide me the full history of my payments and interest rate? What other entity provides a loan yet doesnt have accountability for payments and interest rates? How do I know if there was any corruption or false calculation along the way because as of now there is absolutely no explanation as to why I still have XXXX on a 20 year federal student loan that started at XXXX. Furthermore for public service degrees!!!
Consumer complaint received 2023-06-11
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. (DC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 an account without my written instruction. 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 2023-06-11
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. (TX)

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 2023-07-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately CXXXX XXXX Account Number : XXXX under 18 U.S.C. 1001, any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately