davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Invitation homes sent us an email with charges after we moved out and I responded and called immediately, unfortunately no one responded and our leasing managers email suddenly was inactive. 
We were disputing 4 charges and they are charging us around {$2000.00} and including wear and tear items they shouldn't be.

Including is paint which I emailed we have photos of when we moved in that look exactly as the move out photos. 
They charged us monthly for air filters and when we moved we had previously changed the filter and they hadn't sent any new filters but charged us for filters. We cleaned the house throughly and they charged for us for dirty grout when we moved there was already grout in the tile. 
Instead of directly dealing with us they turned over our bill to a third party debt collector less than a week after I emailed them trying to resolve the situation.
Consumer complaint received 2020-05-18
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: Home Loan Center, Inc. (MD)

I was searching my offers for refinancing my auto loan through Lendigntree, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from credit karma telling me that a new hard inquiry was just added to my TransUnion credit report, and after that I received an email from XXXX saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in credit karma is XXXX  XXXX, I already call them and they told me that they work with XXXX XXXX, so I called lendingtree to resolve this and they told me that they can give permission to do a load application because is in the disclosure that I accepted when I signed up, but when I Search the disclosure I found this : '' Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. '' so they lied to me when I called
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I contacted Chase early XXXX regarding a credit in my account for {$110.00}. They sent me an email on XX/XX/2023 that states " we have sent you a payment ''. The choices to collect the refund were click accept money and continue on to create an account or let the email expire for 4 days then they will send a physical check to my address. I waited for a month, no check arrived. 

I called on them on XXXX XXXX, XXXX, the person that I spoke asked to verify the address, it matches their record. She said she will send me the same email and to not do anything with it, this way the paper check will be mailed. It is XXXX XXXX and I still no check. Please help. Thank you.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My income and entire home situation has been affected by Covid-19. 
I borrowed money to stain top of my bills during this time and made my Capital One payment on XX/XX/20. The due date was for XX/XX/20 but I wanted to request a late fee removal. 
Capital One advised I can request a program for future payments but they can not assist with the current late fee. 
During this unprecedented times, I would appreciate if any unnecessary fees could be waived and handled properly. 
Ridiculous fees shouldn't be a way to get ahead during this time, we are all just trying to make it.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own XXXX XXXX by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Consumer complaint received 2020-05-18
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)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX Wireless Telephone Service Provider Inquiry date : XXXX XXXX, XXXX XXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2020-05-18
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

In XXXX of XXXX I accepted an offer where Wells Fargo offered a {$400.00} bonus for opening an account. I was told that they would deposit the money in XX/XX/XXXX. 

When that didn't happen I submitted a complaint with CFPB case # XXXX. 

Wells Fargo responded in a letter to me dated XX/XX/XXXX stating that they would pay the money within two billing cycles. Today is XXXX XXXX and I have received two additional statements from Wells Fargo but they have never deposited the {$400.00} bonus they said they would. 

I spoke with the executive office this morning and they said that they are unaware of the letter that I received. 
I have attached it and certify that it is the letter I received from Wells Fargo Is this really the correct behavior for one of our country 's largest banks?
Consumer complaint received 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

This morning I received an XXXX  notification about a debt collection opened against me on XX/XX/XXXX, for a {$77.00} balance supposedly owed to XXXX XXXX ( XXXX ). 

I've been a client since XXXX with XXXX XXXX XXXX ( now XXXX  ) and I've NEVER owed anything to them. I have my payment settings on AUTO PAY so there's not a chance that I couldn't have paid an internet bill. 

I do not have TV or telephone with them, I've only hired nternet services all this time. In fact, I've already had a similar issue with the same company a couple of years ago. They initiated another debt collection that had to be removed because it was incorrect. 

I don't know if maybe there is someone with a similar name to mine, but this debt collection definitely does not belong to me. I have PROOF to support my statement, and hence I'm attaching the last balance statements from Spectrum since XX/XX/XXXX that show I owe NOTHING. Even my account page on their website home page reflects a {$0.00} amount due. 

Hence, I am opening a dispute of this collection to publish this information and make this go away since it is damaging my credit, name, image, and credit history that has been impeccable for many years.
Consumer complaint received 2024-09-25
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX CXXXX 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 2023-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Hello, Id like to first state how PayPals customer service is the worse of the worst Ive ever experienced. To say the least is quite an understatement. The agents are rude and dismissive with no integrity whatsoever. This issue is in reference to ( ID - XXXX ). On XX/XX/XXXX  I received a message from XXXX XXXX stating why there was a permanent limitation placed on my account. Which states there was a high level of risk associated with my account, specifically, a history of sending and receiving payments from another PayPal account in my name. Yes, that is correct. When did it become an issue to send money to myself in which I have been doing so for a little over 5 years now ( DUE TO MY CONVENIENCE WITH NO ISSUES UNTIL NOW ). Both accounts under XXXX and XXXX belong to me. One is used to send money and the other to make purchases. Upon the temporary limitation being placed on my account, I was asked to provide certain documents and an explanation on specific transactions and the reason given was very much clear. XXXX XXXX also states that PayPal reviewed my Account and determined they were unable to mitigate the risk associated with my Account and determined the explanation was not sufficient for my payment activity. I was personally sending money to myself. How else am I supposed to explain that and why is that an issue almost 6 years of doing so??? Seems like PayPal needed an excuse to permanent limit my account after they put a temporary limitation on it, also, after the confirmation of my identity. If me sending money to myself is the reason why my accounts has been suspended than that should have been stated in the very first few messages Ive received. Yet, instead Ive received different reasons concerning why my accounts has been permanent limited. To sum it upPayPal was not 100 % clear nor was there clear communication on their end of comprehension referring to the suspensions of my accounts. On both accounts Ive done absolutely nothing wrong that contributes to PayPals policy. I am very well aware of my rights and this is against the law. I have contacted my attorney, he also stated that there was absolutely nothing in the user agreement that qualifies for the limitation being put on both of my accounts. Ive already taking this matter to the small claims court, as I feel this issue has become inconvenient for me and has gone way further than needed. I would like both of my accounts reinstated. If my issue is not resolved I will be force to take this situation to the federal courthouse. 

XXXX XXXX
Consumer complaint received 2020-05-18
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. (FL)

I contacted Equifax today at XXXX XXXX  I spoke with XXXX in the dispute department to dispute a XXXX XXXX account that is being reported on my credit file. I've went through steps 1 and 2 in disputing the item which suggests that I owe XXXX dollars in XXXX XXXX   which is a closed account. I requested from Equifax that they provide me with a written wet inked contract that bares my signature on it within 30 days per FCRA 609 But XXXX requested that I send something to them proving that the debt is not mine the law clearly says that the Credit reporting agency that is reporting anything on my file should have maximum proof that the item belong to the consumer. In this case maximum proof will be a contract with me and the debt collection agency. I also informed XXXX that if she refuse to provide me with the requested documents she can be sued in the Court of law XXXX then hung up on me.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I took notice to inaccurate information on certain accounts. The accounts goes as follows ; [ XXXX  Account Number : XXXX ] [ XXXX XXXX XXXX  Account Number : XXXX ] [ XXXX  Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report.

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late.

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Consumer complaint received 2023-11-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (OH)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX