davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: ASSURANCE FINANCIAL GROUP, LLC (SC)

I contracted with XX/XX/XXXX to build my house for {$700000.00}. I gave him a {$100000.00}. downpayment & financed the balance with Assurance Financial. Although the loan came to {$610000.00}, after he received {$600000.00}. from my finance company he was only due a balance of {$650.00}. based on our contract. Instead XXXX XX/XX/XXXX he requested a {$13000.00}. final draw + {$2400.00}. totaling {$15000.00}. During the build we did 3 Addendums totaling {$16000.00} which equates to him receiving a total of {$720000.00}. of my money. The finance company informed me that he received {$31000.00}. ( in draws ) for items I paid out of pocket. When he requested the initial final draw, I questioned the {$31000.00}. & he ceased communicating with me. Finally, XXXX XX/XX/XXXX he sent notification of a lien placed on my house for {$56000.00}. I've requested to be provided what this money is for but haven't received it. Now, after not holding the builder to a completion date, the finance company has issued a demand letter for the {$600000.00}. they paid the builder to close on the construction loan in 30 days or I'll be in default & lose everything, knowing that someone has offered the builder {$1.00} XXXX for my house & I have no way to pay this money by XXXX XX/XX/XXXX. After all this the builder has vandalized my house & took the 4 AC units so now I have to pay for the repairs & replacement before I can even attempt to get a final inspection. PLEASE HELP ME
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

They have Incorrectly posted multiple late payments on my report for open and closed accounts : Open accounts : XXXX Closed accounts : XXXX XXXX XXXX - When I requested proof i was late, it was never provided and credit report not updated. I have never made a late payment in my life so this report is inaccurate and Id like the file updated to paid on time respectively. Especially the car loan which was paid off completely they didn't report for over 8 months then all of a sudden i had a handful of late payments leading up to paid in full. These are ALL inaccurate. I need everything removed and fixed please.
Consumer complaint received 2024-08-11
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. (FL)

Accounts XXXX XXXX  - XXXX XXXX XXXX - XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I ask that Experian block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Consumer complaint received 2023-09-22
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. (CA)

I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Consumer complaint received 2023-09-22
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. (NE)

Kindly remove this to my credit report. This is causing me a lot of stress and XXXX 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible.
Consumer complaint received 2023-09-22
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. (AZ)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I mobile deposited a check from old apartment into my checking account on XX/XX/2023. I received an email about my check stating when the available funds will be in my account ( no reason, assumed because insufficient funds which is reasonable ) on XX/XX/XXXX, which is about 7 days. After said date, the funds were " available '' but not accessible to me. I called capital customer service multiple times, and their reason was stating that the check XXXX was named differently than the company. Then when I provided a phone number for them to call to verify the company, capital one said they needed a " direct line '' to the accounting department of the company because the home number was not " verified ''. Which confused the realty company because the number I provided was the home number for all departments. Capital one has two recorded phone calls of me doing so.I have repeatedly checked to see funds available, and they were not until the week of XX/XX/2023. I was also not provided a hold deposit form which is required by banks with a 7 day hold. This cause me to be short on money for necessary things such as bills, daycare, and rent.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-02
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-02
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. (DC)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

In XXXX I open a savings account with XXXX $ a few months after that I saw that my savings account was depleting and I called in to ask what was going on and I was told that it was some sort of monthly service fee that was not explained to me at the time of me opening my account. I tried to pull XXXX out of my savings, and my acct was locked and then I got hit with an overdraft fee I have kept minimal monies if any in that acct since then.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-02
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. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-22
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting 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. (TX)

Credit Bureau failed to provide my requested written authorized validation evidence of fraudulent inquiries from companies per Fair credit reporting time frame of 30 business days. My request to delete go unanswered and customer service representatives confirmed receiving my FTC report but state they are unable to provide validation of inquiries.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian sends me monthly notifications to my email because I pay a monthly monitoring fee. 
Each month they have my balance incorrectly reporting. I told them repeatedly of my due and close dates on accounts. They either pull them at the wrong dates or report higher balances than I obtain after my close dates. 
I have constantly tried fixing this issue only to be transferred over and over and even spoken to rudely and hung up on.

My score has plummeted over 100+ points due to their negligence and I have been denied housing due to this.
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/2023, the company XXXX XXXX XXXX came out and did a demonstration. I liked what they had to say so I said I would purchase the product. The agreement was laid out stating that if my credit was good, I could qualify for 0 % interest over 60 months, which I qualified for. The agreement states that all work will be done by said contractor and payment will be made to said contractor. I signed the agreement and was told that there was an opening for installation in three days. I agreed. The total bill came to {$5900.00}. I received an email from Wells Fargo saying congratulations on your new credit card. I called them immediately because I thought someone had fraudulently opened a card in my name. They told me it was done through XXXX and the line of credit was {$6600.00}. I told Wells Fargo that I did not authorize a line of credit and had them cancel the card, however it did not cancel the amount owed. I contacted XXXX XXXX and explained to them that I did not authorize a line of credit through Wells Fargo and they told me that I sighned the contract ( Agreement ) authorizing the charge. I explained that I would not have authorized a line of credit because my husband and I are trying to open our own business and a line of credit could have us denied the loan from the bank. They said because I signed the contract there was nothing I could do. I have contacted a lawyer for legal advice. There is no contract between myself and Wells Fargo. I did not authorize Wells Fargo to open a credit card or line of credit, and I did not authorize XXXX XXXXXXXX to open a credit card in my name. I never talked to Wells Fargo regarding this line of credit prior to it being opened. It was never disclosed to me that Wells Fargo would be opening a line of credit/credit card. Now I am stuck paying for a line of credit for {$5900.00}, and if I do not pay it, it will affect my credit score and any possibility of getting a loan to open our own business.
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

Bought the gift card to use online, but everywhere I use the card online declined it. I tried to check the balance and it said the card was activate, so I tried to contact support but the bot itself kept hanging up the call.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (WI)

Bankmobile Vibe is in control of my financial aid refund. I attended the University XXXX XXXX  - XXXX from XXXX  to XXXX  and this account student checking account was opened under another company at the time. I am a returning student and this account was still attached to me with old information. The account had been locked out and I have been struggling for months trying to get my account re-activated to be able to receive my financial aid refund. They have requested I sign paperwork stating that I am who I am, which required me to have the paperwork notaries. Which I last submitted on XX/XX/XXXX via email. I have called once a week to two times a week since then trying to make sure they have received my email, which they state they have. However, I need to wait for someone to review it. According to the Bankmobile Vibe, my request to be reviewed has been escalated and they will contact me about what is going on. I haven't received anything from them, not an email, mail, or phone call. Every time I call, I am told it is in the process of review but it's been a month now since I last submitted paperwork to them to gain access to my account again. University XXXX XXXX - XXXX will not provide me with a check for my aid and the only way I have access to this money is via Bankmobile Vibe who will not give me access to my account. I'm at a lost on what to do.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I don't want this on my report, u can delete it immediately, it's not mine. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-09-22
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. (TN)

I have been a victim of identity theft and I filed the FTC report and correct paperwork and sent them to the credit agencies. They were not attached to the disputes I filed and I still have not received copies of the verification process. I contact them all the time and they still dont file the correct dispute and the correct paperwork
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OR)

This company repeatedly sends me a giant bill while refusing to answer the phone, contact me, or allow me to leave a voicemail or submit a complaint. If you call them, you will be placed on hold for 5-10 minutes before being sent to a voicemail box that is full. Then the line immediately disconnects. I submitted a complaint with the federal government and they tried calling me after that but i missed the call- the caller did not leave an extension number so when i called back, i was placed on hold for five minutes before being transferred to a full voicemail box and hung up on. There is no way to contact them, no way to leave a message, no way to schedule a call back, no way to stop the interest building up because of their lack of attention to my application. I applied for XXXX on XXXX XXXX XXXX. My application was processed quickly but nothing ever happened- i never received denial, approval, or more i formation to continue with. My income is $ XXXX and they keep sending me information on how to pay them {$600.00} in XXXX but can not be bothered to make contact with me otherwise
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accurate inquiries on my credit report.The FCRA also allows for statutory damages of between {$100.00} and {$1000.00} for willful violations. These damages are often pursued in class action FCRA claims..34 hard inquiries 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 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 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 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 XXXX XXXX XXXX XXXX