davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (TN)

I am submitting this follow up to formally request the removal of the two remaining fraudulent inquiries from my credit report. It is imperative that these inquiries are expeditiously addressed in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under section 605b. This section obligates Credit Bureaus to REMOVE items listed on an identity theft report, with reference to report number # XXXX. The specific inquiries requiring removal within 15 days are as follows : EXPERIAN : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-09
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. (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 instructions ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank froze my account on XX/XX/18 for a {$1000.00} certified bank deposit check coming into my account. I have a business account and it is registered and I pay my taxes timely. I need my account unfrozen so I can conduct business.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have been Citizens Bank customer since XXXX, when it was XXXX XXXX, when I was living in XXXX for 13 years. I moved to XXXX in XXXX. I still kept my Citizens Bank accounts open. 

On XX/XX/XXXX, I was contacted by Ms. XXXX, a CSR at XXXX XXXX XXXX branch and notified me of {$9.00} charges against my account. Not sure when but a long time ago I maintained required {$1500.00} balance to avoid account service charges. And I believe at that time I also signed up for the electronic statements. Until then I used to get account statements as well as reactivation of the dormant account forms via physical mail. Since activating electronic statements, the system stopped sending me dormancy status mails via physical as well as electronic means. It looks like there was a charge against the account for dormancy status and was levied against the account thereby reducing the required balance below {$1500.00} mark. That triggered charging {$9.00} each month until now. This has totaled to around {$800.00} charged against my account. 

In XX/XX/XXXX I obtained a student loan for {$90000.00} for my daughter at Citizens. At that time I was told that I will be an active account holder for all my accounts. I did not know that my account has been levied the account service charges in past as well as in continuum. It is interesting that after the dormancy status, the consequent service charges were taken as activity in the account further remedying dormancy. I am not sure why a non-voluntary activity such as auto-debiting {$9.00} per month will avoid dormancy status. 

When I complained, the supervisor was kind enough to give me 6 months of service credit. He sympathized about my situation that I had no way of knowing of dormancy status and the subsequent charges, however he was not able to further help and directed me to write to the office of the chairman. 

On XX/XX/XXXX I sent a letter to the chairman 's office and I got a call on XX/XX/XXXX. The rep from chairman 's office was willing to give extra 3 months of service charge credit, while I was asking for all of the service charge refund. She stated that not sending the dormancy letter by physical mail is not bank 's error. Otherwise if it was bank 's error then they have a policy to refund completely. With not getting a resolution of this matter after escalating it to the highest point I could go, I am contacting CFPB to look in to this matter. I am sure there may be more such cases with Citizen 's Bank. 

For now I have replenished the balance back to above {$1500.00} in my account. Please reach out to me on my cell phone so I can further discuss this matter with you. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roberts Markel Weinberg Butler Hailey PC (TX)

In pursuance of 15 U.S. Code 1692e - False or misleading representations : A debt collector is restricted from using any false, deceptive, or misleading representation or tactics in the course of debt collection. This includes making false claims or creating implications, such as falsely stating that an individual is an attorney or that a communication is from a legal representative.

Moreover, in pursuance of 15 U.S. Code 1692
a - Definitions : It's important to note that the term " debt collector '' excludes any individual engaged in serving or attempting to serve legal process on another person as part of the judicial enforcement of a debt.
Consumer complaint received 2023-11-09
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX a hiring from XXXX XXXX XXXX. They told me about a job offer and that we could schedule the interview over XXXX. We then had a text interview where I was eventually hired and told I would be receiving a check to pay for my work supplies. I received a check on XX/XX/XXXX totaling {$3400.00}. I was then told to deposit the check and send what was available which totaled {$400.00}. I then was left with a negative account balance. I filed a complaint and claims with Wells Fargo # XXXX and a reference number # XXXX. I also filed a police report, XXXX.
Consumer complaint received 2018-12-13
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. (NY)

I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Consumer complaint received 2023-04-27
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. (GA)

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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WI)

THIS IS NOT A DUPLICATE Equifax removed an item the same time as XXXX  from XXXX XXXX  XXXX and its back on my credit when it should have never been there. I was in bankruptcy chapter XXXX when these charges were incurred and the rental company XXXX is still trying to charge me for this rental.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MD)

I paid off the vehicle last year they never sent a title or a lien release. A couple months ago the vehicle was totaled and the person 's insurance company that totaled it will not pay me for the vehicle until I give them the title. I don't have a vehicle to use until I can get this settled. 

2 months ago I contacted them and asked them to send me the lien release and they said that It would be there within 10 days. Two weeks later I called back again they forwarded me to a different department that handled titles which they didn't send me to the first time. Then they claim they sent it again and that it would be there within 10 days. 2 weeks later it didn't come I called again I told them it didn't come they keep claiming they sent it but it's not coming. They've never had a problem sending me a bill but they're having trouble with this. Then I give them a different address in hopes that maybe there's an issue now it's been 2 months and still no papers coming anywhere. I asked them for a tracking number they said they couldn't do it. I asked him to fax it to a tag and title place they said that it's a privacy issue and they can't. I tried everything that I can.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (IL)

Just got extorted for XXXX $ city revenue dept XXXX yrvold waived discharged not owed yesterday told XXXX, $ to get illegally threatening calls debtor threats pay or stay I paid write without prejudice XX/XX/XXXX towed damaged rear end then after that denied pure true accurate ledgers falsified data all the way to the fake hearing sham XXXX XXXX XXXX XXXX where XXXX partnership company liability acts partnership act violations occurred charges as result of bogus tow fees I never received by city streets n sanitation results of computer fraud tampering gross 1692 violations 806 807 violations USC prohibited false communicationcations thru mail n much n bad legal advice intentionally in fact crook judge clerk no master rule filed to practice law,721 act no court compliance much conspiring liee
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

NationStar/ Mr. Cooper is intentional miss applying extra payments attended to pay down my mortgage. After several phones call and threats to file a complaint they applied {$390.00} paid to them in XXXX on XX/XX/XXXX ( see documentation ). This payment should be adjusted for XXXX when it was paid to them and not holding it for 2 years in some unapplied account fund making the company money via interest in their accounts. Furthermore, after phones call in XXXX and XX/XX/XXXX regarding extra payments paid to them in XXXX they reversed {$430.00} that was applied as a regular payment XX/XX/XXXX ( see documentation ). When I question why would anyone want to make extra payments toward interest and not the principal, they gave me some lame excuse about they thought I was just paying a month in advance.
Consumer complaint received 2023-11-09
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. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (NY)

There was a report requested by XXXX using Sterling XXXX XXXX on XX/XX/2018. The report was completed on XX/XX/2018. I did not receive the report until XX/XX/2018. On the report it states that I have multiple felonies and multiple misdemeanors. I have been to my local precinct and my name has been ran and it has came back clean, no charges on my record. I was told by the precinct to file a complaint and ask if this was indeed my information that was used for the background check. Because if it was my information that was used, I must then file an identity theft report with the Authorities
Consumer complaint received 2023-11-09
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. (NY)

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Balance : {$2700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

On XX/XX/17 I submitted complaint number XXXX in regards to XXXX XXXX XXXX. This is an old, re-aged debt that was found not to be verifiable several times by multiple investigations, the last one being the above complaint number. This complaint is against Experian as they have added a debt to my account that hasn't been verified, has been deleted several times, and not once has the reporting agencies followed the fair credit reporting act and VALIDATE the debt before adding to a credit report. This debt can be verified and this is way it continues to be deleted. You will see in the above complaint number that this debt was already deleted once.
Consumer complaint received 2023-11-09
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. (FL)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX . XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-13
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. (MO)

I am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-11-09
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX