davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
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. (AL)

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 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 2023-10-17
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX ( XXXX and XXXX ) and XXXX ( Experion ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that Experion was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, We were extremely dissatisfied with one particular merchant 's services and felt like the card charge was not fair. With spoke to Capital One on XX/XX/XXXX and twice on XX/XX/XXXX and submitted the needed 19 page document several times by fax. We spoke again to supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX who informed us that the case was closed, because " there was no enough information '' by XX/XX/XXXX- a letter that was not received by us. The supervisor mentioned that the reason the 19 page form was not accepted could have been due to electronic vs hand written signature. 
We called Capital One again to follow up on XX/XX/XXXX and the dispute team responded " There is no rights for us to continuing the dispute with the grounds submitted '' - XXXX XXXX XXXX XXXX  XX/XX/XXXX, no letters ( by email or by paper ) were provided.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with Discover Credit Card, which I was first made aware of in XX/XX/year>. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report. 

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/year>, it was brought to my attention that there was a credit card account opened under my name with Discover. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with Discover for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted Discover requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, Discover has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

XXXX. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/year>. $ XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation. 

**Actions Taken : ** - I have repeatedly contacted Discover 's customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions. 
- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part. 

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that Discover will provide all relevant documentation evidencing the alleged consent on my part for this account. 
- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments. 
- I seek confirmation in writing from Discover acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies. 

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ERC (SC)

ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

To Whom it may concern, Thank you for your response but you have yet to address a credit inquiry I DID NOT authorize on XX/XX/2022. However in accordance with the law. 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had my permission! You have failed to provide me with any documemtation verifing you had my promising to access my credit report. ( For example ) credit application with my signature or ANY consent form granting you permission with my signature. The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronic or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. So there is no misunderstanding I am asking you to provide me with the same proof you used to verify this inquiry as accurate. PLEASE RESPONSE ON THIS PLATE FORM, IF YOU CHOOSE TO SEND A LETTER AS WELL THAT IS OKAY WITH BUT RESPOND BACK TO COMPLAINT ON THIS PLATE FORM. THANK YOU
Consumer complaint received 2023-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (GA)

Westlake portfolio management contacted me in regard to a paid off debt for us auto sales. I have request multiple times through recorded lines to have a debt validation letter and original contract with wet signature sent to me for verification. This company states I owe them for a bill that was paid in full. I have never signed nor agreed to do any business with this company. The company has been unable to provide me with any physical evidence of any contracts or documents. The company Westlake portfolio has called me from over five different phone numbers ever single day to the point of harassment. West lake portfolio states I have an auto loan with their company that shows up on my credit report but the company can not provide any documentation or records of the loan.
Consumer complaint received 2022-10-02
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. (AZ)

On XX/XX/2022, I called XXXX XXXX XXXX Equifax, XXXX and XXXX and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from Equifax indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Good day. I purchased a refrigerator with a warranty at XXXX  's in XXXX XXXX Florida. on XX/XX/22 for a total amount of {$1000.00} ( this includes taxes and a 5 year warranty which was {$150.00} ). The fridge was returned on XX/XX/22, within the grace period as acknowledged by XXXX  's who issued the refund. I have a signed receipt to support this. However, XXXX  's only credited my account {$800.00}. I was under the impression that this was the full amount and also included a refund of the 5 year warranty for {$150.00}. This was not the case and I received a credit card statement in the mail in XXXX from Lowe  's / Synchrony Bank stating that my account was past due. It was unbeknownst to me that I had a balance on this account since I was under the impression that I was issued a full refund. I have called the company in an attempt to resolve this dispute. This was done on XX/XX/22. I spoke to XXXX XXXX XXXX XXXX  XXXX ). She said the company would investigate it. However, I am very concerned that it may not get resolved satisfactorily, which is why I am filing this complaint. Also it has impacted my credit. My XXXX went from XXXX  to XXXX. This is very detrimental to my financial life and I need your help to correct this. PLEASE HELP. My phone number is XXXX.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX at around XXXX, {$8000.00} was transferred from my savings account to my checking account without my permission. No other person had access to my debit card at that time. Then XXXX unauthorized transactions totaling at {$4900.00} which left me with {$3000.00} was used on XXXX XXXX which is a XXXX XXXX  company. I called Wells Fargo immediately and reported to them the unauthorized transactions. They said that it would take XXXX business days to review the claim that I made. They have also turned off my previous debit card off that same day and issued me a new one. On XX/XX/XXXX, I called Wells Fargo wanting an update on the claim I made. In short, they needed more time to review my claim and temporarily credited me {$4900.00}. On XX/XX/XXXX, Wells Fargo notified me through email that their investigation is done and will send a detailed letter by mail. I received that letter on XX/XX/XXXX. It said that based on the information I had given them that the transactions were authorized by me or someone who had my permission, and the temporarily credit of {$4900.00} will be reversed within XXXX business days.
Consumer complaint received 2022-10-01
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.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 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

For three years chase bank has failed to inform myself of claims and notifications of my checking accounts. Ive made several attempts through all of chases communications to resolve or have fixed including months of speaking to their executive claims officer XXXX. 
Chase has closed my accounts and I checked in periodically to let them know of what is happening within my accounts and asked to have them frozen to have them researched. They denied that request. In XXXX of XXXX they finally sent all notices of the claims filed and they were all closed. I asked for the codes used for XXXX. I was refused. I like to take this matter to court if possible. Three years is enough especially since everything Ive reported was a federal lawsuit in XXXX. Chase cost me time and money and mental anguish throughout the pandemic with these accounts. Theres several months of recorded phone calls to chase about them not sending Notification through mail and their online banking and their app.
Consumer complaint received 2022-10-01
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. (ME)

The following account for XXXX  XXXX XXXX # XXXX is on my credit report and it is incorrectly reported. After 2 investigations with the credit bureau 's the accuracy hasnt been corrected. The following is incorrect on the reporting...

1. ) It is rated every month as C/O. It should only have been marked C/O on the first month after the first 120 day late.

2. ) The following dates are incorrect on several reports, the Date of Last Activity, the Date Reported, the Date Opened, Closed Date.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OK)

In XXXX of XXXX  I was told that I had 60 days to vacate my apartment at the end of my lease for reasons not known to me. I had applied for rental assistance due to having hours cut and eventually laid off during the pandemic. My lease was supposed to be up in XXXX but the rental assistance paid up through XXXX. Instead of notifying me of the extra payment the apartment complex owned by XXXX XXXX XXXX took the extra month 's rent ( paid up several months in advance ) and told me I had to leave. During the process of moving out the staff at XXXX XXXX in XXXX Oklahoma continuously harassed me telling me to get out and even consulting my boyfriend at the time who was not on my lease about how they were going to get me for my credit because I supposedly owed them a {$75.00} late fee, which would have been included in my rental assistance that was paid up for several months. I left XX/XX/XXXX like they told me to but they still charged me for XXXX rent and filed an eviction on XX/XX/2021. I did not live at that residence and I was unaware of the filing but I called the courthouse and sent them copies of my new and old lease. The case was dismissed and no eviction was ruled in their favor. Some months later they filed with Hunter Warfield collection agency. The charges they included were eviction fees which were fraudulent, XXXX rent which was also fraudulent, damages to the property that I had already told them about when I moved in such as holes in the countertop and a dog chewing on the window sill. They charged me for keys that I put in the night drop box when I left, they charged me for a missing shower head that was under the sink, damages that I had complained about and they did not fix, etc. I filed a dispute about this account being fraudulent and it was removed from my credit report. Now Hunter Warfield has somehow reapplied it to my credit and when I disputed it again they just increased the balance by a dollar. I will not be held responsible for illegal charges just because this greedy, unscrupulous and harassing apartment complex has access to my information. I intend to sue both of them if it isn't removed permanently.
Consumer complaint received 2022-10-02
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XXXX XXXX XXXX I had my HSBC US Premier checking account approved. 
On XXXX XXXX XXXX I had my HSBC US Elite credit card approved. Annual fee {$390.00} was charged immediately after the card is activated. 
On XXXX XXXX XXXX my HSBC Premier Relationship Savings account has been approved. I immediately saved {$2000.00} in the account. 

I only used my accounts for online shopping payments. 
I do not owe money to HSBC. 
I do not have transactions to/from anybodies else. 
I still have about {$1200.00} saved in HSBC US. 

On XX/XX/, all my checking/saving/credit cards are *suspended* abruptly. I telephoned HSBC US for XXXX times, requesting the reason why. But HSBC US never answered my question. 

In a forum website, about XXXX persons reported account suspended, and most of them are also HSBC premier customers in XXXX / XXXX. It feels like HSBC US just suspended lots of Premier account in a batch without any consideration.
Consumer complaint received 2022-10-01
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. (CA)

XXXX XXXX has been reporting inaccurate information to Experian, XXXX and XXXX. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. XXXX  has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above XXXX  account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with XXXX and Experian sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My card was with CapitalOne. I received a letter in the mail around XXXX ; unfortunately, I am just opening this letter now. I have been going through some family emergencies and health issues, and unfortunately, I missed the deadline and my account automatically closed without my consent. I had XXXX reward miles that I could redeem. I called Capital one on XX/XX/22, and they told me I couldn't access my statements or redeem my awards because my account was closed. I spoke with XXXX employee ID number is XXXX.