davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NY)

In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.
Consumer complaint received 2018-02-16
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: EQUIFAX, INC. (PA)

Equifax Breach my information last XX/XX/2017. My identity was stole and I have Fraud on my credit report. I check my XXXX XXXX XXXX and found that I have no credit report found ( see attachment ). Equifax refuses and violates the FCRA section 605B by not  blocking my fraudulent accounts. I attached my FTC affidavit and police report but Equifax refuses to accept it and is trying to find an excess to not block these fraudulent accounts. I need the CFPB to set up and put pressure to follow the law. 


Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2023-08-03
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. (NC)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been a Loyal Credit Card holder with Kohl 's since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days passed due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30 day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30 day late payment that has been reported has decreased my credit score to at-least XXXXXXXX XXXX on all XXXX Major Credit Bureaus and to be punished for this one time mistake has been detrimental to my credit status. I am requesting that Kohl 's reconsider there decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NM)

I have disputed the incorrect information two times using the processrequired by Equifax. They have not corrected the information and I havesupplied sufficient documentation for them to do so. Please have themupdate or remove this public record from my credit report, as it ishindering my financial growth.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that Experian has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being.

Under 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as Experian are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification.

In my case, I have disputed the accuracy of the bankruptcy entry that Experian has included in my public record. Despite my dispute, Experian has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk.

I demand that Experian takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As Experian has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.

2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.

3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe.

I want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect Experian to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies. 

Also I have provided documentation that this public record hasnt been provide by the source know as Eastern US Court BK nor any other third party data base, including XXXX  XXXX, XXXX, or metro 2 compliance
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I placed a security freeze with XXXX  when they had their data breach. Today ( XX/XX/18 ), I placed one with XXXX. However, when I attempted to place one with equifax, they stated they were not able to because I have no file with them. This is strange because I have received my annual credit report in previous years, I have mulitple lines of credit ( student loan, car loan, and credit cards ) - I confirmed with all the companies that they submitted information to equifax. 

What is going on with Equifax?
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I have a XXXX mortgage with Chase and I am aware that my interest rate will started become a floating rate, which essentially goes up from 2.75 % to 7.75 % in XX/XX/XXXX. I called Chase and even visited Chase Bank in XXXX XXXX, the local branch supervisor assured me that as long as I paid off the entire loan principle by end of XXXX, I will not be paying the 7.75 %. I believed in that. but on XXXX, when I am asking Chase for a payoff quote, it shows even if I pay in XXXX, I will be paid for the new rate, 7.75 %. i called custom service, they did some investigation and saying that for my loan, the interest is XXXX month ahead, so I should be actually starting paying the new rate XXXX month earlier. This is very unfair and not transparent to me, no one explained to me this before and the branch didn't warn me of this as well. They said they had sent a letter to me saying the rate is going to increase on XX/XX/XXXX but I saw in the same letter, they also say " Under the terms of your Adjustable-Rate-Mortgage, you have a 84 month period during which your interest rate stayed the same. that period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change ''. so it says rate changes in XX/XX/XXXX on that sentence. How can a customer believe the rate is actually changing in XX/XX/XXXX by reading such statement. This is very bad and misleading. also the interest they are charging me as of 7.75 % is from XX/XX/XXXX to XX/XX/XXXX, it is even unbelievable, even XX/XX/XXXX is charging 7.75 % now?
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

Complaint XXXX was opened on XX/XX/2023 and no resolution has been provided to date. 

XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2023 XXXX Credit card or prepaid card ISSUE Fees or interest We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately XXXX months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (FL)

Allied Interstate sent a letter ( XX/XX/XXXX ) regarding a debt we disputed on XX/XX/XXXX when they used one of their other companies ( XXXX XXXX XXXX ) and used a different reference number. We explained that the original debt was disputed with the original debtor ( XXXX XXXX XXXX ) due to identity theft and fraud that the company refused to address, refused to cancel the card, and had the audacity to add late fees, over the limit fees, and even continued to increase the credit limit ( which was {$300.00} ) to {$900.00} to be able to include the fees. Allied Interstate now has sent another request for payment for XXXX XXXX XXXX, another of their companies. We have disputed this debt with the credit bureaus, the credit card company, and the police department, but it does not stop any of them from sending more letters demanding payment and threatening to affect my credit score, which has already taken a horrible hit since XXXX XXXX dares to say I am in default. This has affected my ability to obtain employment. This has gone on since XX/XX/XXXX and they continue to come at me repeatedly under a new name. This is just beyond frustrating. I don ; t know who else to turn to since even when you write and dispute a bill they just change name and start all over again.
Consumer complaint received 2023-08-03
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. (MS)

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.

has violated my rights. Or list of inquiries 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 2023-08-03
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: EQUIFAX, INC. (MS)

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.

has violated my rights. Or list of inquiries 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 2023-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Feldman & Stern, LLC (OH)

Feldman and Stern has repeatedly called my phone, even going as far as to call MY WORK phone ( i work at XXXX XXXXXXXX  ) and leaving voicemails talking about my debt owed. I am not sure that this is appropriate and I have called a law office that said that this company is a scam and has been sued many times with no response from the company itself. I would like to file a complaint about this in hopes that they will not contact me again.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

A purchase was made on XX/XX/XXXX from some place called XXXX XXXX on My Serve Blue American Express Card. When I called the customer service from Serve Blue, I was told to put in a XXXX dispute /claim. I did was denied without explanation. I was told that I would have to but my request in writing and send to Serve. I did, not correspondence came back. So I put in a second and third fraud and both were denied again without explanation. 
I have since called and now my account has been closed. I have not received any verbal, written or email for the whereabouts of the transaction. 
This the 3rd time since opening the account in XXXX that monies have been taken from my account without explanation. Usually I put in the declaration of fraud and the money is returned. I have proof of each time. But this time, I am being taken to limits that should not be for {$85.00}. I have asked to speak to a supervisor and of course there is not office I can go to to settle my didspute.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX {$150.00} POSTED XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX  {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT