davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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: Credit Service Company, INC (TX)

on XX/XX/XXXX XXXX XXXX Credit Service Company , Inc. ( CSC ), a debt collector reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/XXXX to XXXX  several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX  on XX/XX/XXXX reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt When I request CSC to validate this debt, they refuse and instead sent illegally disclosures which is a direct violation of hippa, i never signed an authorization form for to CSC to access my medical records
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I have been violated by the Wells Fargo Bank of XXXX NM. And the bank keeps saying I asks for a loan advance during the taxes stimulus check in XXXX that I did it over online banking when I never do online banking at all. And I have told them in person over this matter they ignore the fact. They have slander my name my state of mind knowing I never asks for no advance loan especially over online banking. I am not login into do online banking. And too it's seems to me the time they sent me the statement was the time they closed the Wells Fargo Bank branch there in XXXX NM where I do most of my transaction at. Now they kept my child credit IRS money taxes. I needed that money for my grandchildren clothes for school to pay my rent and my car payment. It's a violation of the my state of living to survive in this pandemic issues of survivoring. In wrong upon the biggest USA XXXX  XXXX XXXX Wells Fargo Bank.
Consumer complaint received 2021-07-15
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. (TX)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - AUTO FINANCE : XX/XX/2021 XXXX  : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX XXXX DEALER SERVICES : XX/XX/2021 XXXX XXXXL : XX/XX/2021
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent a certified affidavit to TransUnion twice and yet they have ignored me i sent a affidavit identity theft to them as well # XXXX as well as a CFPB # XXXX and still ignored why don't you all get on these crooked credit bureaus for violation of the FCRA you all just send them the same documents that i uploaded to CFPB and these documents are sent to some other country who do not even verify anything there is nothing ever done i would really like to see someone do something about this knowing that this is surely a violation. the CFPB is suppose to get on them in regards to any matter that a consumer disputes. PLEASE DO YOUR JOB
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX Mailed letter to Experian, XXXX. XXXX  XXXX, XXXX, TX XXXX, pointing out that my address where I have lived since XX/XX/XXXX has been removed from my Experian Credit Report since XXXX. Requested that my address be added to my Experian Credit Report. I enclosed copies of my Driver 's License and Gas Bill to verify the address. 
XX/XX/XXXX Experian sends email with link to completed dispute results, report no. XXXX. My address has not been updated in the credit report. No reason is given. 
XX/XX/XXXX Experian sends second email that dispute is now open. 
XX/XX/XXXX Experian sends third email that address dispute is just about done. 
XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX. XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that they are just about done with the address dispute. 
XX/XX/XXXX Experian sends fourth email that dispute results are now available, report no. XXXX, ID : 1 ( same report no. as second email sent on XX/XX/XXXX ) XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that address dispute results are just about done. 
XX/XX/XXXX Experian sends fourth email that account has been updated confirming address and middle name on my Experian account. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends fifth email that account has been updated. 
XX/XX/XXXX Experian sends sixth email that dispute results are ready, report no. XXXX. My address still has not been updated in the credit report. 

Subsequently there have been periodic emails notifying me that the address has been updated in my credit report. However, they have not updated my address and I have given up trying. Hope the CFPB can help me.
Consumer complaint received 2018-04-10
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. (TX)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a double inquiry had been made on XX/XX/XXXX. I contacted XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX   they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX/XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was Not Permissable. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-04-10
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)

Identity theft fraudulent account XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX/XXXX XXXX XXXX Creditor also change its name to the XXXX  XXXX XXXX  Under open account on my credit report is XXXX XXXX account number XXXX Date open XX/XX/XXXX Amount XXXX Attached is a police report listing this account t total XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under closed account on my credit report it's the same company different card it's a first access card I do not have account number for this account both account are listed on my police report I attached Identity theft XXXX XXXX XXXX   XXXX  XXXX /XXXX XXXX  Creditor change name to XXXX XXXX XXXX   Opened XX/XX/XXXX or opened XX/XX/XXXX Amount XXXX I did not apply for any applications or accounts with the company mentioned
Consumer complaint received 2018-04-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX  XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (NY)

The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX  XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (PA)

Navient is the second company that claims I owe XXXX  ( student loan ). The first company called XXXX, I paid for 5 years. I kept all reciepts to find out the company was pocketing my money. I entered a class action lawsuit after I won the company Navient appeared asking for debt that I paid. I do not owe any money and i would like to dispute such in court. I never got a chance to dispute now Navient is harrasing me at work
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (VA)

On XX/XX/18 I submitted a number of disputes through Equifax 's online center. The report # is XXXX. I can not get a hold of a person over the phone nor does the system allow me to access the findings of the disputes. My ID has been stolen and I'm afraid there are things on there that aren't accurate. It's been 2 1/2 months. I also requested that they MAIL me a full and complete copy of my credit report and have yet to see it.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I made a transaction on XX/XX/XXXX through XXXX to send money Of {$50.00} to my nephew. I did it wrong transaction of {$50.00} and we call XXXX and they refund me the money. Then I did it the transaction again of the {$50.00} right way. Chase charge me 2 times the same transaction on XX/XX/XXXX. Now I do not get monthly statement so I did not know they did this to my account. Yes i go online but it just to pay my bills online and get offline. I don't do research on my bank account because I trusted Chase. I went online XX/XX/XXXX because I had to find a payment I made, I noticed the double charge of XX/XX/XXXX. I call and they gave me a one Reversal Claim/XXXX  on that date XX/XX/XXXX. I look on XX/XX/XXXX and noticed they did a took back the Claim Reversal on XX/XX/XXXX that they gave on XX/XX/XXXX. I call Chase and they claim that it was over the 60 day period so they deny my claim. They even claim to have sent me a letter sometime in the middle of XX/XX/XXXX. I never got the letter. Now first of all I never knew they was a 60 day claim policy. Like I said I had trusted them with my money till now.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I paid in agreement with the settlement with XXXX XXXX and Capital One on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!
Consumer complaint received 2018-04-10
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. (TX)

I have requested validation of the late payments for my student loans with XXXX and XXXX XXXX XXXX XXXX on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TN)

Received letter on XX/XX/XXXX regarding a debt. I was not aware this fee was owed. Send a letter to I.Q Data International , Inc. at XXXX XXXX XXXX XXXX WA with the purpose of disputing and requesting a verification letter. I have received no communication back. I had assumed this was a scam or otherwise. On XX/XX/XXXX I noticed a collection hit on my credit report so I called IQ international inc and was told that they never received my dispute and at this point it did not matter and that I owe the debt and need to pay it in full including interest. 

They lied about not receiving my dispute and has violated FDCPA guidelines for not pausing the debt to properly verify and provide proof of debt. They did not mark the account as disputed on credit score.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

This complaint is against CHASE.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, Chase never loaned me any money or legal tender, I didn't authorize Chase to access my credit report, I don't understand how I'm liable for any debt with Chase. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a Capitol One credit card On XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have XXXX i spend to months at home after the XXXX and receive a short term XXXX check which was less that the haft of my paycheck I wasn't able to make my payments on time only my utilities bills was cover. 
XX/XX/XXXX i was able to go back to work and started pay off my late bill and got all up to date my balance is XXXX I check my report and i saw how much this ad affected my report.
Consumer complaint received 2022-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MD)

This is my fourth complaint against US Bank regarding XXXX Advances charge. US Bank responded to my first XXXX complaints and I found the response to be unacceptable. This complaint should be sent with Complaint No. XXXX. 

Specifically, US Bank states in their XXXX XXXX Letters : " If we did not know the last amount of insurance coverage you had. We purchased coverage in the amount of the unpaid principal balance of your account on the date we requested insurance to begin. '' Per my previous complaints, my loan with US Bank is a XXXX. In accordance with XXXX and XXXX regulations US Bank is not allowed to charge insurance premiums for amounts higher than the unpaid principal. 

Especially, if they claim the XXXX XXXX XXXX only covers the bank 's interest. 

In XX/XX/XXXX my loan balance was {$16000.00} and US Bank 's bank coverage was for {$130000.00}. The policy premium was {$1100.00}. 

In XX/XX/XXXX my loan balance was {$14000.00} and US Bank 's coverage was for {$130000.00}. The policy premium was {$1200.00}. 

In XX/XX/XXXX my loan balance was {$12000.00} and US Bank 's coverage was for {$140000.00}. The policy premium was {$1100.00}. 

Note, I do not have the declaration letter for the XXXX policy coverage that cost {$1100.00}. 

Furthermore, US Bank paid " XXXX '' policies in XX/XX/XXXX and XX/XX/XXXX XXXX months after the fact.