davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (WY)

Credit card was fraudulently opened in my name with JPMCB on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and chase XX/XX/2023, no communication from chase and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # XXXX
Consumer complaint received 2024-04-27
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. (OH)

This marks my initial attempt to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my document resulting from this crime. These entries pertain to transactions that neither involve nor reflect any purchases, services, or monetary authorizations on my part. If indifference reigns, I request the removal of any significant information stemming from an alleged fraudulent or extortionate activity in my credit record. 
XXXX XXXX XXXX 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 2023-09-20
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. (CA)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

SCAMMERS! VENMO IS A CRIIMINAL ORGANISATION! 
Beginning XXXX I tried to withdraw funds from my account and they immediately froze my venmo account after I tried to withdraw asking for me to submit my ID. on the XXXX of XXXX I have received this email that my account has been unfrozen : We're contacting you because your account was recently frozen. 
After review, we have unfrozen your account. You should be able to use Venmo as normal, but you may need to log out and back in to see this change reflected in your app. 
We apologize for any inconvenience this situation may have created. Please reply this this email if you have any questions. 
Team Venmo -- -- -- -- I then tried to withdraw my money once again on XXXX XXXX XXXX! first I got a message that funds or on their way and then again!!!! guess what account frozen!!!!! VENMO JUST FOOLS PEOPLE IN ENDLESS VERIFICATION LOOPS IN ORDER NOT TO PAY THEM. I will inform the FBI
Consumer complaint received 2024-04-27
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. (PA)

myEquifax Not only refused to remove XXXX from My Credit Report after Months of Disputing this Company 's Allegations but my Equifax claims >>> We have researched the credit account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *HISTORICAL ACCOUNT INFORMATION. If you have additional questions about this item please contact : DEPT OF ED, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX... And they put The Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX I DON'T LIVE THERE I NEVER AGREED TO PAY XXXX XXXX XXXX Hasn't Taken XXXX off of my credit report either After Months of Disputing This but XXXX Has and so These other XXXX credit Reporting Agencies Need To Remove Immediately and Not Allow XXXX Back on any of My Credit Reports... Just because they have my name e-mail passed addresses social security numbers ect doesn't mean they had any agreement with me and they refused to send me the agreement they Alleged that I signed with them they posted my address on the CFPB letter yet they sent the letter to addresses they Know I Don't live at this is what makes it another Breach of My Information I don't know who lives at that address or how they will use the information in How XXXX Plans to Use the No Response to their benefit even when I have a CFPB but I do Know that I didn't verify my information with any myEQuifax XXXX or XXXX or CFPB accounts to be used in this way Of Course I'm who I Am but I Never Did What XXXX Says I did and They WON'T Sign Their Own Paper Work So I Don't Even Trust This Company and When They Send My Information To Multiple Addresses knowing they won't get any response there They Also Cause The People Who Live or Own Those Addresses Issues because then those people may end up having to go through eviction process to prevent me or anyone with my name from staying there even when we already don't stay there
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (NY)

Experian allowed all my personal information to be compromised including Medicare and Medicaid numbers. Now, there is a question about my Social Security Number being used to apply for an XXXX XXXX XXXX. I can not get an accurate credit report from Experian.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was reported.
Consumer complaint received 2024-04-27
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. (OR)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX  - XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX - XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX - XXXX {$8200.00} XXXX XXXX - XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX - XXXX {$400.00}
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX of 2023 I noticed that my auto pay that I set up again for the XXXX time still did not set up. I was sure it was set up because I had spoken to an agent this time that explained since me and my girl friend at the time both had accounts the system wouldn't allow us both to use the same card for auto pay. 

So i thought we squared it away and it was on auto pay. I wrote a letter to the company this time when to my surprise the auto pay was still not on!! and my payment had to be manually made due to their system. 

So Again I followed up and this time the representative said that he can find any communication on my account ever!! He said that there agents sometimes make notations under the phone number instead of the account so my account has no notations so they wouldnt be able to pull that call, and fix the thing Ive been dealing with all year! 

You can see that that until this happened for XXXX years there were no problems I dont believe this account was ever late as it was reported.
Consumer complaint received 2024-04-25
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. (IL)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX 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 2024-04-27
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. (GA)

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Title 15 U.S.C 1681 FCRA Need these inquiries Removed ASAP in 15 Days and a credit report. Federal Law States that you have 30 days to complete your re investigation. Be advised that the description of the procedure used to determine the accuracy and completion is 15 days
Consumer complaint received 2023-11-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: AMERICAN NEIGHBORHOOD MORTGAGE (VA)

Hi! I am a real estate agent. My buyers applied with XXXX XXXX at OVM Financial powered by XXXX XXXX XXXX XXXX on XX/XX/2023. We ratified on a home on Sun, XX/XX/XXXX. My buyers formally asked for an official Loan Estimate to be emailed four times over the past 3 days. 

The loan officer XXXX XXXX ( XXXX : XXXX ) and his superior the VP of Sales XXXX XXXX ( XXXX : XXXX : XXXX ) both refused to supply a loan estimate because they didn't want their clients to use the loan estimate to shop around for a better deal. This is a basic consumer right, especially in this environment of high interest rates. 

XXXX called and texted my clients promising he could be the best deal, but refused to actually put it in writing after several requests. Eventually, he point blank refused to work with my clients after they had already completed their application. This is beyond unprofessional and demonstrates a serious lack of transparency. He is asking for trust from his clients without being forthcoming himself.
Consumer complaint received 2024-06-10
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. (VA)

This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

Their are two collection companies which has put inaccurate information on my credit report in collection Credence resource management for {$290.00} that was put on my credit report on XX/XX/2024 XXXX XXXX XXXX for {$330.00} that was put on my credit report as well on XX/XX/2024
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX capital one cards closed in XXXX when i called to setup repayment i got put into a program with guaranteed XXXX dollar late fees that were not disclosed to me i have been charged XXXX late fees on both accounts {$40.00} for a total of XXXX in fees ... my credit limits on these cards are XXXX dollars and im getting charged this high amount of fees all for a repayment program? This has got to be illegal please investigate this capital one " build a plan '' i spoke to senior account XXXX XXXX at capital one who told me yes the plan triggers these late fees and there is nothing they can do but now my min payments this month are XXXX?
Consumer complaint received 2023-09-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FEDChex Recovery, LLC (NV)

I was called by the collections agency on XX/XX/23 for rental books from my college 's bookstore I was sent to collections for " not returning ''. I have returned them. I told the agency not to contact me anymore. They then contacted me again on XX/XX/23. I did not verify my name and again repeated that they did not have permission to contact this number. The rep, named XXXX, then proceeded to list off all of the phone numbers on the account and asked whose numbers they were. She had no right to share any phone numbers or information with me. I never said or confirmed I was the person she was calling for. When I pointed this out and asked to speak to her supervisor, they were supposedly unavailable.
Consumer complaint received 2023-09-20
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. (SC)

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 Names XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX, has violated my rights.

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. These inaccuracies are preventing me from buying a new car for my work. I am not able to get a new home for my family. I can not get business credit to grow my business so I can provide for my family.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NV)

I was on hold for XXXX hour and XXXX XXXX minutes on a call to Mohela. I had to hang up and didn't get to speak with anyone except recorded messages or XXXX  if that. Not cool. I know its busy but this is unreasonable. I know the government is paying them well to service these loans. Hire more people please. Call was on XX/XX/XXXX about XXXX XXXX
Consumer complaint received 2023-09-20
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. (IL)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBXXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : LA XXXX A XXXX A XXXX
Consumer complaint received 2019-07-04
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX/XXXX XXXX