davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (CA)

Company rep. from Global Radius Solutions LLC has called every day since XX/XX/XXXX XXXX it is now XX/XX/2020. I have called and spoke to the rep. and they said its a cold calling system and it can't be avoided. have already agreed to pay {$500.00} a month due by the XXXX of each month and the payment usually gets posted a week prior to that date. every time they call no one leaves a message and I call back to see whom has called, it always a different phone number but same company. I block the number each time.
Consumer complaint received 2024-07-19
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have received help from an agency to try to reclaim my life. I have put a fraud alert on my credit years ago to try to protect myself from more but it hasnt worked. The only official address I have had is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and other addresses with my parents over the years. I briefly live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX job only and I am sending a voided pay stub to prove that, as well. 


As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, proof of address, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

These are the accounts that were made on my social during that time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MD)

National Credit System is trying to collect debt from me for a debt that I wasn't aware that I owed to my previous property where I lived. I am unsure of the debt because I settled in court with the previous landlord and was approved to break my lease as long as I was out by XX/XX/year> due to mold being in my water. When contacting the property they did not respond. I have reached out to the collection agency regarding information pertaining to the debt and have not received any information.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC (WA)

We have a VA loan through Rocket Mortgage on our home which sits on 48.8 acres. The first part of this year we applied for and followed the process to get a partial release on 15 acres of the property in order to sell that portion to a family member. We completed everything required, paid all fees and the partial release was granted and the process was supposed to be completed in XXXX of this year. Fast forward to XXXX when our family member is working with their lender to get their financing and we discover that Rocket Mortgage never actually filed the Partial Release on the piece of property in question. Upon contacting Rocket Mortgage about this we were initially told that the reason that the filing had not been completed was because the fee we had paid had been applied in error to one of our mortgage payments and so the filing fee was still outstanding. We immediately paid the fee again and was told that the matter would be quickly resolved. We are now XX/XX/XXXX and the partial release still has not been filed. We have been in regular, almost daily contact, with Rocket Mortgage and have gotten nothing but excuses, finger pointing at other teams and stalling. We were provided with a Letter of Intent from Rocket Mortgage stating they did approve and intended to release the section of land in question, but the actual Partial Release still has not been filed. We have had the issue escalated to a supervisors but have been told by him that he can do nothing because he is at the mercy of the team that is supposed to be handling the filing. No one seems to be able to tell us who has our documentation, provide us with any copies of the Partial Release documentation or explain how or why this has not been filed.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION ()

In XXXX a joint account between myself, my mother and sister was opened with NSB. Without our consent or knowledge they allowed us to be removed from the account and close the account. This was done without our mother having the mental capacity to understand what was happening. She was unaware that removing us meant we no longer had access or rights to the account ( s ) in question. She does not have any memory of doing this. 
Furthermore when we approached the bank in late XXXX with a valid POA to administer and manage our mothers accounts they rejected it with no reason nor explication. 
I would like to reiterate that my mother at the time this account was closed was not of sound mind nor did she have any understanding of what was happening or why it was happening. She has no recollection of making these changes and removing us from these accounts and closing them.
Consumer complaint received 2023-06-15
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. (FL)

Around XX/XX/XXXX we opened aa Credit Account with XXXX XXXX to shop on XXXX XXXX XXXX. We ordered some appliances which were delivered very late. 
XXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the Creditor have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (FL)

Since XXXX through XXXX I have been trying to solve an incorrect reporting by National Credit Systems Inc. In XXXX of XXXX I consulted with an atty to represent me on my behalf of which they agreed, and the attorney group sent a letter to National Credit Systems via certified letter of which it revealed they received the letter and did not comply with my request. since thus time this company has not mail any supporting documents to the attorney group to support why they are reporting a charge of {$6900.00} on all XXXX major credit bureaus, which is greatly impacting me. Additionally, I have sent letters to the credit bureaus in XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX, still no resolve. National Credit Sytems continues to update credit report monthly siting collection.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

They just closed the following complaint with out doing anything and provided false Information on their response. 

Last Complaint with XXXX Case # : XXXX I called Equifax and checked my transition account and they have no record of me having an account with XXXX  XXXX so they can no assist me with disputing information I even called the Number by XXXX  XXXX and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . 

I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. 

which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. 

I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.
Consumer complaint received 2023-07-15
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. (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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I had reach out to Experian on a lot of different times on reporting my information incorrectly on all my opened account plus on this false collection report. I had show the company that the information on my history report on my credit did not match and still no repy or answer on this is been answer. I show the certified information on the validation letter I had sent out to the company with no response to my answer letter. Experian has let company on to my report after i freeze my account and do soft pulls on my name. I had all my credit freezing for three years time. They are reporting my business address on my report where i do not resident.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have had a Kohl 's Store card for many years and used it to make occasional purchases, always keeping my balance below {$500.00}, preferablly at at {$0.00} balance. I liked the rewards and coupons that I could access and that is why I kept the account. 

Back in XX/XX/2023, I was notified that my account was selected for a conversion to a Capital One Visa card. I looked for an opt out process among the fine print and could no

t find one. I asked friends and family with Kohl 's cards if they had gotten this and they had not. It was a busy time for me at work and I lost track of it. I made a small purchase using my Kohl 's account before the conversion. When I we
nt to pay the online on XX/XX/XXXX, the date that it was due, I discovered that my Kohl 's account was no longer active. I called Kohl 's and they referred me to Capital One. I spoke to a representative there and was told I had to pay the bill through Capital One instead. When I tried to pay the bill, I discoverd that I would incur a late fee because it was after hours and would post the next day. This was not the practice with the Kohl 's card. I was able to speak to someone at Capital One today and they will waive the late fee, however it will take 3-5 business days to show on the account which means I need to pay the late fee in order to avoid another late fee, and will then receive a credit which is another hassle.

I am extremely frustrated. I never asked for nor approved for a Capital One Visa card to be issued in my name. I only keep one major credit card and I don't want this card, especially since it has an interest rate of 30 %. I don't know who in their right mind would open a credit card with a 30 % interest rate! This has been a waste of my time dealing with all of this and having to keep making calls to resolve. I am concerned about how it will impact my credit if I now close the card which will be more work on my part having to call and cancel it.

Does a credit card company have the right to issue a card in my name without my permission? This does not seem legal. I am looking for guidance with how to resolve this.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX and equifax are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have tried several times to work with Experian ( along with XXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I recieve a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. 

Even so, I have sent these letters myself now on 4 occasions ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ) .. the companies are ruining people 's lives and are not being held accountable. 

Thank you in advance for looking into these issues.