davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my endeavor to tell credit bureaus 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 extortion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (WI)

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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX 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 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 2023-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (AZ)

I disputed this account on XXXX, XXXX did nothing said creditor did their own investigation, I wrote to the company asked them to validate this debt it has been almost 3 months and I have not gotten a response. I called XXXX and they refuse to take this debt down even though it has not been validated.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting my mortgage incorrectly. They are showing my account closed without a payment history. My account is open and current on payments. I sent them my current mortgage statement showing my account balance as well as mortgage payment. They have not updated this to my report.
Consumer complaint received 2023-04-28
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. (FL)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$19000.00}
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The listed current address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CA)

I received a letter regarding Changes to Your Mortgage Interest Rate from XXXX XXXX XXXX XXXX on XX/XX/2023. The letter stated " Under your loan agreement, your index rate is the XXXX XXXX Cost of Savings. '' I received a Notice of Assignment, Sale or Transfer of Servicing letter from XXXX XXXX XXXX XXXX on XX/XX/2023. It stated " the transfer does not affect any term or condition of the mortgage instruments. '' The new servicer is XXXX XXXX. 

I received a welcome letter from the new servicer XXXX XXXX on XX/XX/2023. It stated " The terms of your loan are staying exactly the same. '' I received a letter from the new servicer ( XXXX XXXX ) regarding Changes to Your Interest Rate on XX/XX/2023. It Stated " Under your loan agreement, your index is the ONE MONTH XXXX XXXX XXXX. This is incorrect, the index is the XXXX XXXX XXXX. 

The result of changing my index was the interest rate changed from 7.110 % to 8.874 % and my payment changed from {$3100.00} to {$4000.00}. 

I called XXXX XXXX at on XX/XX/2023. The representative said something like " we are using the industry standard as the index ''. I talked about all of the letters I mentioned earlier in this statement and she did not seem to understand. She said she would pass the information to someone and they would respond within 24-48 hours. They have not responded.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-04-28
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 XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within XXXX  days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only their " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need remove all attempts to collect and stop publishing this account with derogatory marks on my credit report. Furthermore I want a forensic audit of the entire accout showing XXXX XXXX is not attempting to collect on an account that is already paid & written off.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I got a Chase British Airways credit card in XX/XX/XXXX. 

I've accumulated XXXX Avios but I can't access them because the XXXX XXXX number that I was assigned by Chase belongs to a closed British Airways XXXX XXXX account that belonged to me in XXXX

That account was closed a long time ago and I have no access to it. British Airways can't access the account either. The number on that account is : XXXX The email linked to that account is : XXXX I received a letter from Chase saying that the number is missing or incorrect and to contact British Airways to fix the issue. I did, but British Airways couldn't do anything for me because they said they couldn't access that account. That account has no XXXX because it's closed so I'm not sure where Chase is transferring my XXXX. 

I signed up for a new British Airways XXXX XXXX account with number : XXXX The email linked to that account is : XXXX I asked Chase to merge both accounts so I could access my Avios but they haven't been able to do it? 

Then I signed up again for a new British Airways XXXX XXXX with a different email to see if I could link the credit card to the XXXX XXXX account but I couldn't. 
The number is : XXXX The email linked to that account is : XXXX I called Chase and British Airways to merge my accounts multiple times. I spent more than XXXX trying to solve the issue over the phone with no success. The customer service is not useful. 

Then I received a letter from Chase saying that British Airways found multiple British Airways XXXX XXXX accounts under my name and to update my personal information and merge them. 

So as a summary, below are my three Executive Club numbers : XXXX ( old ) XXXX ( new ) XXXX ( newest ) I really need help on this. 

Attached here the two letters I received from Chase regarding the issue and the bank statements to prove the amount of miles I have.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

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. XXXX : XXXX, Capitalone Bank : XXXX, XXXXCapitalone Bank XXXX XXXX, Capitalone bank/business account, 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.
Consumer complaint received 2024-05-21
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. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit 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: OneMain Finance Corporation (IN)

Called to dispute transaction. dispute was closed in error called again spoke to supervisor to reopen dispute and was never done.

Called again to reopen dispute today on XX/XX/year> was given new case number of XXXX XXXX minutes after that phone call ended I received a callback. Called back immediately to address why agent had no knowledge of case number said it did not exist and the wasnt reopened again. Also told me the time frame expired and there was nothing that can be done. Request a supervisor and was hung up on.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

On XX/XX/XXXX I checked my online account and noticed XXXX was fraudulently withdrawn from my citizens savings account on XX/XX/XXXX. I contacted citizens multiple times and they kept saying they are looking into it and couldn't provide updates. I have spent hours on hold with no luck. I was finally told today they closed and denied it but the rep couldn't say why and guessed it was because I waited to file. I filed the day I found out about the transaction. I have been calling XXXX and the details that show up are " XXXXXXXX XXXX XXXX XXXX' I have tried calling XXXX and they are saying I need to have citizens contact them and can't help me. 

Citizens bought out my account from XXXX. I have done nothing with the account since it was bought out. This is bad banking. There is no way they got the account information from something I did. I have never accessed the account in any capacity or wrote down any banking information. This has to be a citizens internal security issue that someone was able to easily access my funds and transfer such a large amount.
Consumer complaint received 2024-05-21
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

Received a collection letter from Diversified Adjustments dated XX/XX/XXXX. I attempted to call them on every number listed on their collection letter and to no avail, never could reach a representative. I have called each business day since. To my best efforts yesterday the XXXX I called the collection firm 17 times and was transferred each time by the receptionist XXXX, but NEVER did get a rep or a supervisor to answer. Today I started calling at XXXX XXXX and again today I have called 32 times and again each time, the receptionist XXXX answered and transferred me to various different support staffs. Again, to no avail, no one answered. Not once, has anyone answered. I then have taken the steps to contact XXXX also known as XXXX. Trying to resolve a matter that is over 18 months old and XXXX is trying to collect money they are NOT owed. ALL ( XXXX  cell phones, an ipad and XXXX internet boosters ), equipment was returned back in XXXX of XXXX  when we switched our services to a different provider. We consistently get phone calls and collection letters for the same thing when this has already been resolved with XXXX aka XXXX as well as all payments were received by the collection agent XXXX.