davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

This is a recurring issue previous complaints XXXX. Synchrony bank keeps adding late charges to my account, that they closed under the same excuse they complain that I put a stop payment on my XXXX XXXX account against Synchrony Bank, XXXX from synchrony bank called me a liar on the phone an didnt resolve my dispute of the fees, XXXX was not able to reverse the late fees, they keep saying they cant reverse the late fee, I called my bank and on a three way call XXXX XXXX told XXXX XXXX They dont have any records of stop payment to synchrony bank or XXXX account and if he needs further information he has to request an formal investigation in writing.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One sent me a trace number. I called XXXX XXXX with the trace number and was told that number didn't match anything. I then told XXXX XXXX  my identity had been stolen and gave XXXX XXXX my personal information and was advised that yes someone tried to open an account in my name. But XXXX XXXX was suspicious and froze the funds. They then sent the money to XXXX XXXX who also told me they have the money and it is in hold. XXXX XXXX needs to speak with someone from Capital One to have the money returned. I have advised Capital One of this but no one will contact them. 

I received a letter from Capital One telling me I, on XXXX, set up a link to XXXX XXXX  and authorized the transaction. First I was in the hospital at that time and next, I NEVER established a link to XXXX XXXX. I called and spoke to Capital One about the 2 transfer links that were set up by me previously, and neither of them are to XXXX XXXX. I asked the person if there was ever a link to XXXX XXXX and he told me no. SO, whoever sent this letter is completely wrong and takes the easy way out by just denying my claim. I have given them all the info they need and just want them to use it and get the money.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc. (TN)

On XX/XX/2023 ARS National Services Inc attempted to contact me about an alleged debt that was incorrectly owed. As 15 U.S. Code 1692g this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given ARS National Services Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. ARS National Services Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me. Second ARS National Services Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Third ARS National Services Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXXXXXX XXXX XXXX  ( XXXX XXXX. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. ARS National Services Inc shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. I expect there will be no further efforts for ARS National Services Inc to collect on this allegedly incorrectly owed debt. If ARS National Services fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.
Consumer complaint received 2024-08-13
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. (MI)

Failure to investigate multiple times, failure to comply with FCPB results, failure to investigate at FCRA STANDARDS And knowingly reporting data that CFPB has found to be incorrect. Failure to assist with issue and failure to be in secure location when dispute was filed. Clearly at home with dogs barking so loud I couldnt hear. Stated CFPB follows different rules that Experian. Failure to look at datas submitted. Failure to resolve issues and attempting to get another 30 days following a failure to investigate at 15. This has been an on going issue for 14 months now. attached is CFPB REPORT that they ignored when submitted.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Since XX/XX/year>, I've experienced ongoing issues with Experian. For half of the past four years, I've struggled to remove fraudulent accounts. One moment I have a credit score, the next I don't. I felt forced to use their XXXX XXXX XXXX, which temporarily provided a score, but today, it's gone again. Whenever I request a supervisor or manager, they're unavailable and never return calls. I'm fed up with the excuses and run around. They advised removing the Boost and reapplying it, yet my score remains absentit was XXXX just two days ago.

I refuse to be caught off guard by an unexpected zero score and the rejections that follow. Moreover, I'm frustrated with Experian sharing my information with telemarketers and student loan companies despite my opt-out.

Now, facing another year 's delay in addressing my housing situation, I hold Experian accountable for the {$47000.00} loss I've suffered. For four consecutive years, I've been negatively impacted by Experian 's failures, living with mold, a leaky roof, unsafe flooring, and now the potential loss of my property.

I believe Experian is committing serious ADA violations, in addition to disappearing acts with my credit score.

The ordeal began with inaccurate credit reporting, followed by fraudulent activity and the addition of unfamiliar names, compelling me to declare bankruptcy to halt the identity theft Experian continuously overlooked. 

I am weary of being told that purchasing their product is the solution to these issues and will not be forced to buy a product just to fix their failures. 

I will not wait 30 days for a response to this before filing legal action. I want Experian to deal with this issue directly without further delay, unless of course, they want to pay for the damages and take their sweet time fixing their problems once and for all. ANY Score less than what I had two days ago is UNACCEPTABLE!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted several investigation request letters to the credit bureaus to fix issues with my credit report and they failed to respond to me which is a violation of my rights per the FCRA and FDCPA.
Consumer complaint received 2024-08-27
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. (NV)

To whom this letter reaches, it has come to my attention after looking over my XXXX and Transunion XXXX reports. Experian report # XXXX and Transunion report # XXXX that the following accounts are not mine and incorrect and according to the FCRA XXXX to be removed from my credit file within 15 days of receiving this notification. 

These creditors listed below do not belong to me nor do they belong on my credit file. In accordance with the Fair Credit Reporting Act, Account Names and # XXXX : XXXX. ) XXXX XXXX # XXXX ( Account does not belong to me, and I've never done business with XXXX XXXX nor signed any contracts with this company ) XXXX. ) XXXX 's # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). 
XXXX. ) XXXX # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). These listed creditors have blatantly lied and violated my rights. 

Under the FCRA, Credit Bureaus such as yours and Lenders by LAW must ensure that the information they report is 100 % accurate and truthful. Also, the following laws state 15 U.S.C. 1681 section 602a States that I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 623 : A furnisher must NOT furnish inaccurate consumer information to CRA 15 U.S.C. 609a : Requires consumer reporting agencies to upon request disclose ALL information in consumers file at time of request and the Sources of information ( Which I have requested from all listed and NEVER Received ). 

Please update my XXXX XXXX XXXX and Transunion XXXX XXXX with a DELETION of all listed items within 15 days of this letter due to the files being incorrect, untruthful and ownerless. They are NOT my debts ; they dont belong to me and are not my doing. Please understand that I am suffering great damage to my credit because of these bureaus neglect. I will be escalating this matter with the attorney general if not handled correctly under FCRA law. 

I appreciate your prompt attention to this matter and look forward to having this corrected.
Consumer complaint received 2024-07-16
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. (NJ)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-20
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: Colony Brands, Inc. (IA)

The company is the Country Door. Back in 2017 I was contacted by phone call by Country Door that I was in default on my account because I owed {$60.00} ; it was 6 months past due. We had recently moved. I never received any forwarding mail and was never contacted by phone until this point. I immediately paid the {$60.00} and explained the situation. 

That was in XX/XX/2017 ; 7 years ago. My daughter recently applied for a student loan for XXXX XXXX with me as the co-signer. We were declined because of Country Door 's report on my credit report. I reached out and requested to speak to a supervisor ; I was not granted that. I was told they will not remove the report on my credit. 

They did send me a statement that my account has been at {$0.00} since XX/XX/2017 ; however, I need the reporting to change. I attempted the toll free number for this issue and still did not get the issue resolved.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXXXXXX XXXXk {$0.00} XXXX Remove XXXX XXXX {$0.00} XXXX Remove Capital XXXX {$0.00} XXXX Remove
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

On XX/XX/XXXX, I applied for a car loan for a XXXX XXXX XXXX. I was told that I was denied credit based on factors that are still unclear. Once I mentioned that it was unlawful for them to deny me credit without a counteroffer, I received a voice mail from the dealership stating that one bank has approved me, but that I would have to pay {$12000.00} USD down in order to be granted the credit. The Federal Trades Commission Prohibits unfair and deceptive practices during the car buying process. When I emailed the bank they wrote sorry you didn't meet the requirements moving forward reach out the the dealership pertaining to the loan.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (TX)

When I initially took out my loan with Wells Fargo Home Mortgage, I was told that PMI would be assessed to the loan until I reach an 80/20 ratio on the loan. XXXX refinanced {$130000.00}, by the time the assessed the absorbent closing fee the loan amount was {$140000.00}, to which they assessed PMI. I have reached out to Wells Fargo Home Mortgage many times over the life of the loan to get them to remove the PMI, to which they have denied me. I have never been late on a payment, and I am in good standing with my loan, in fact I am on task to pay the loan off early. My current balance on the loan is {$33000.00}. I have asked Wells Fargo Home Mortgage to provide documentation that expletively states that PMI would be assessed for the life of the loan.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC (IN)

Wrong social security number, names, phones number. 

I disputed the account and per report number that was verified on XX/XX/XXXX, and XXXX XXXX XXXX : Names are XXXX XXXX aslo known as XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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.

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 inructions 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.

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (OR)

My repeated attempts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are completely unrelated to me, and I am not responsible for them in any way. Their presence has caused me significant mental anguish and financial difficulty. As an identity theft victim, I may need to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from purchasing my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.