davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc. (TX)

Maximus, inc doing business as Aidvantage is continuing to report I owe a debt that is discharged. Maximus, inc accepted payment of this debt obligation and as the indenture trustee XXXX XXXX XXXX XXXX XXXX had the duty in ensuring my security was properly handled. Under the Securities Act Maximus, inc and XXXX XXXX XXXX XXXX  XXXX. or both in violation of federal law in the handling of securities.
Consumer complaint received 2023-05-09
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: LD Holdings Group, LLC (MS)

I was on Loan Depot site to get pre-approved for a loan. The website and the boxes I selected said that it will not impact your credit score and that it is only a soft pull. However, my credit was pulled and Loan Depot will not delete the inquiry. I have screenshots of every step taking as I completed the application and have provided that to loan depot. They still will not reverse it. Also, they will not send any proof to me showing that I selected anything otherwise as the website states multiple times that it is only a soft pull. I do have evidence to prove my case.
Consumer complaint received 2023-07-03
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. (AZ)

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 : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Exeter Finance, LLC. (FL)

Exeter failed to provide a written disclosure of the annual percentage rate, finance charge, monthly payment, and all other required disclosures under the Truth in Lending Act prior to obtaining my signature. The terms of agreement were not clear and concise. Exeter sent a copy of a contract not signed by me ( forged signature ) which does not align with the original document I signed. ( I have uploaded both copies ) Exeter has also failed to provide me a written notice explaining why I received less favorable lending terms. They have also failed to respond to previous notice of Dispute Billing Error and Notice of Default Opportunity to Cure. Also has violated my request to cease and desist and to only send correspondence to the address I provided during dispute by sending an individual who refused to identify himself in an attempt to repossess my vehicle. They are also incorrectly and illegally reporting inaccurate information on my consumer report.
Consumer complaint received 2023-10-28
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. (NJ)

I am a victim of identity theft. The information listed in the attached documents, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I have reach out to Equifax and have sent them a letter pertaining to my issue, however no changes have been made to my credit profile.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 
In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. 
I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report.
Consumer complaint received 2023-07-03
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. (AZ)

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 : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX of 2023 I was approved for capital one business credit through promotional products. Capital one unlawful freezes my account. Under federal law that's illegal.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

Hello, I purchased a car with financing provided by Wells Fargo in 2014. I am insured with XXXX XXXX company and have been since I purchased the car. Early in my finance, I realized Wells Fargo was charging me for insurance. I called them to note the error in 2014, and was told the charges would be removed in short order. In reviewing my statement over the past few months, I 've noticed I 'm still being charged, close to {$6.00} per month for Wells Fargo insurance and interest. Again, I am already insured and upset that Wells Fargo is double-charging me. I called them again today and they told me they would start an investigation, but did n't promise to remove the charge. I am happy to provide my declarations page to prove that I have coverage, though Wells Fargo has not requested it. I feel I am being and have been scammed.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I am following a complaint against Chase Credit Card company. I am XXXX years old living in XXXX New Jersey and have been scammed and tricked into buying gift cards in order to keep myself safe and my identity. I was recently hacked on XX/XX/2020 when I logged into my computer and visited my bank site. After logging into the internet my computer was not into my control and a hacker told me I needed to pay in order to keep my personal files safe and that I would not be harmed in any way. The person on the phone acted as though they were XXXX and needed payment in order to assist me. I ended up paying in XXXX to have my life not taken from me and my personal assets save only to find out I was tricked and scammed. When I tried to file a dispute with the credit card company, they refused to help me and said it is my fault. I do not understand how I could have done this when I was under assumption that the person helping me fix my computer were legitimate. I have filed a police report in hopes of getting my case heard but became apparent that Chase bank thinks we weren't scammed and has told me I am forced into paying fraudulent charges since I had called the company were the cards were purchased after the incident. The gift cards companies did not stop the transaction and chase credit card company is holding me liable. I am hoping this complaint will make it clear I am a victim of ransomware and with a police report if I could have my case be heard at Chase bank at a higher level. I have tried to file a dispute with the credit card company but they will not accept a dispute and closed my account without sending me a new card. XXXX, New Jersey Police Case # - XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Our household has been in the process over the past year of converting our household banking and finance accounts to oversight / control by a living revocable trust to avoid probate concerns. JPMC told us that we could not convert our current personal shared checking account since that would be a separate customer relationship. Accordingly, we closed our personal Chase Total Checking account ending XXXX and opened a new trust-controlled Chase Total Checking account ending XXXX on XX/XX/year>. We had to jump through all these hoops because Chase insisted we start over from scratch, but now they are claiming that the new account is not in fact a separate business relationship since they don't want to pay out a separate {$300.00} account opening bonus.
Consumer complaint received 2023-07-11
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. (CO)

Subject : Dispute of Returned Mail from Collection Agency on Credit Report XX/XX/2023 Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am seeking your assistance and intervention in resolving this matter as it is negatively impacting my creditworthiness. 
I recently reviewed my credit report, obtained from Equifax, XXXX XXXX XXXX XXXX, and discovered that a collection account from XXXX XXXX XXXX. The collection account is related to an alleged debt that I have no recollection of owing. I sent certified letters to the abovementioned company collection agency, but my correspondence was returned as undeliverable. 
I would like to highlight that I have always maintained a responsible approach towards my financial obligations, and I am diligent in updating my contact information with any relevant parties. It is perplexing to me that the said collection agency had not sent any correspondence to my address. 
Considering this situation, I kindly request the following actions from the Consumer Financial Protection Bureau : XXXX Equifax XXXX XXXX XXXX To remove the erroneous information that they deemed to be legit. 
The credit bureaus did NOT Investigate the validity of the alleged debt claimed by XXXX XXXX XXXX when I sent them a letter to VALIDATE the claim. 
Assist in rectifying the negative impact on my credit report caused by this inaccurate information. 
Ensure that proper verification procedures are followed by the collection agency to validate any debts before reporting them to credit bureaus and for the credit bureaus to verify and validate prior to ruining peoples credit. 
I have attached copies of my credit report, highlighting the specific collection account in question, along with copies of the returned receipts and correspondence relevant to this matter. 
I understand the importance of maintaining accurate credit reporting, and I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to help resolve this issue promptly. I kindly request that you provide me with updates on the progress of this case, including any actions taken or outcomes reached. 
Thank you for your attention to this matter. I appreciate your dedication to consumer protection, and I look forward to a favorable resolution. Please do not hesitate to reach me at XXXX or XXXX if you require any further information. 

Yours sincerely,
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

YOU XXXX TO RE-INSERT THE FOLLOWING ACCOUNTS ATTATCH TO MY DOCUMENTS, I NEVER FILE A FRAUD ON MY REPORT. I'M BEGGING YOU. YOUR THANK YOU YOU FOR YOUR ATTENTION.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I was charged {$280.00} on my Bank of America Travel Credit Card by vendor XXXX XXXX. I had only authorized a {$50.00} transaction, the remaining {$230.00} was added onto my bill without my authorization or consent. 

After explaining this to BoA XXXX ( 7 times over 2 months ) The amount was frozen on my ledger and a dispute was put in place. The dispute was denied. 

I have been attempting to challenge the dispute for the past 4 weeks. I've requested twice for proof of my authorization to be sent to me for my review. BoA has failed to send me proof of any signatures or any authorizations of the charge from my behalf. They sent me an EMPTY envelope about the dispute with NOTHING in it. 

I have tried countless times to resolve this, both with the restaurant/bar and with BoA, BoA has been incredibly rude to me, explaining that they have the receipt of the transaction ( obviously? ) but is incapable of sending me any documentation or proof with my signature attached. 

I was at this restaurant, and i approved the {$50.00} purchase. I did not approve any {$230.00} additional amount that was added on.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2  : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-12
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)

Ive recently took a look at my credit XXXX was furious when I seen all kinds of fraudulent activity that should not be posted to my credit attached is a report of items that need to be deleted and accordingg to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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. (MD)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
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. (GA)

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my XXXX XXXX account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and XXXX report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, Equifax, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the XXXX Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I am also listed as being apart of a data breach with Equifax. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. 1681 and plan to take legal action.