davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (GA)

604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached ) Please remove all non-account holding inquiries over 30 days old Please remove all Fraud Alerts / Security Freezes from my credit profile. Please remove all previous Addresses, Employers and Also Known As Names. The info on my attached ID is accurate. accounts must be removed and if you unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I demand the following accounts be removed immediately. XXXX. XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, and I am seeking litigation. Delete at once
Consumer complaint received 2024-04-11
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. (TX)

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's my understanding that XXXX, Experian, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nexum Group Inc (FL)

My family and I are constantly harassed by XXXX XXXX from XXXX XXXX XXXX She has been harassing us since XX/XX/2023, calling several times a week! 

She has somehow found m family 's landline phone number and has been calling and harassing my elderly mother with abusive and threatening language. We have her voicemails, emails, and constant tyrants captured to be shared as evidence of her aggressive actions. 

Please investigate the inappropriate and abusive practices of XXXX XXXX, she is negatively impacting the lives of innocent consumers every day! 

XXXX XXXX
Consumer complaint received 2024-04-11
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. (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. 

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 and 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 2017-01-12
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Approximately 4-6 months my wife and I applied for a credit loan and was turned down because of 2 late payments to Nationstar reflected XX/XX/2016. We were not aware of this and wrote both the credit bureau and Nationstar Mortgage and received a reply from Nationstar dated XXXX stating that after review they would not change the credit reporting and it was my fault. They said because they sent us a letter stating a rate increase back XX/XX/2016. I do not remember seeing it. We average getting 3-5 pieces of mail from weekly along with numerous calls asking us to refi our loan. The customer service rep that was not their problem. 
My feeling is this " bunk ''. If you look at our history of paying this loan you will see payments being made on time and had made numerous payments in amounts greater than the normal payment. When I call Nationstar to speak with a customer service rep, 99.9 % of the time I get an " non-English speaking '' person of which is very hard to understand. 
I am hearing impaired and have asked to speak to an " English '' first speaking person and have n't had much luck. We have had numerous mortgages over the last 20 years and hands down Nationstar is the most difficult to work with. The loan we had applied for was with XXXX XXXX XXXX XXXX for the purpose of purchasing and RV.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal refuses to extend me any form of credit citing I caused a loss. This loss was part of a settlement in which any balance owed would be forgiven. If it is forgiven, per the terms of the settlement, which was due to an illegal vehicle repossession conducted by Navy Federal ( who, by this action constructively caused their own loss ) and its agents why does Navy Federal still use it as a the basis for my credit denials without even overriding the auto denials. I am not being given a fair chance at obtaining credit by reviewing my credit score and history that is part of my credit files with XXXX, XXXX, and XXXX and removing the FORGIVEN account from the equation. I have requested numerous times for the application to be reviewed manually with no luck. I was told i could file and appeal and then i was told the appeal process is only used if you need to change information on the application. Not to mention, there have been at least XXXX attempts to collect on the FORGIVEN loan post settlement, occurring during the years of XXXX and XXXX which is a violation of the settlement agreement.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

Affirm offered a promotion to provide a {$15.00} credit if I completed a purchase of a {$100.00} gift card to bath and body works. I completed this purchase specifically for the promotional offering. My online account consistently showed that a {$15.00} credit would be applied and I have a screenshot. Additionally, Affirm provided me an email dated XX/XX/year> stating that I qualified for the {$15.00} promotion and it would be applied to my account. However, Affirm never honored their promotion. I have paid the account off in full and was never late on my obligation. I have attempted to contact Affirm 3 different times and each time the representative disconnected the line on me. In one day, I had one representative state he knew nothing of the promotion and then the next representative stated she did but each time the phone was disconnected on their end.
Consumer complaint received 2024-04-11
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. (CA)

XXXX XXXX XXXX XXXX, Experian, 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/XXXX I have sent several disputes concerning these inquiries on my credit report ; these inquiries are fraudulent and I want them removed. I have made several attempts calling the fraud department at these bureaus and I have expressed that I have unauthorized inquiries on my credit report and that someone was using my Social Security number for personal gain. According to the fair credit reporting act, FCRA, legally, these unverified and unauthorized items must be removed.
Consumer complaint received 2024-04-11
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. (CA)

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. Please DELETE them 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GLOBAL CREDIT UNION (TX)

CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH GLOBAL FCU AND/OR ALSKA USA FCU. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX XXXX XXXX  ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, XXXX, XXXX, XXXX XXXX, AND ALL OTHERS
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Renton Collections Inc. (WA)

I got a letter in the mail they are garnishing my wages on XX/XX/2024 I called to give them my attorney 's name. I verified who I was name, dob, lasts XXXX of social. wanted my address but I told her she has it. I am trying to give her my attorney information. she refused to take it until I verified my address. she refused my attorney 's name and blocked my number so I can't call them to give them my attorney information. The behavior was rude. and refusing my attorney information is against the fcdpa. The fact I am in the middle of a XXXX  they need to take the proper steps but this lady refused. even when I askesd to speak to someone else she told me no and hung up on me multiple times.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I have had multiple interaction within this company in the month. The first one being that after repeating information more than once still Managed to be heard incorrectly. All the people you speak too are misinformed and not educated Today I had an issue adding my XXXX XXXX onto my account because they closed my card and sent a new one. Since I obviously dont have my new one I tried to add my card to XXXX XXXX but it says to contact the issuer. 

With all this information being. I spoke to 3 different people who have all given different information. One person says its on my XXXX XXXX. Which then prompted me to take screenshots and the next supervisor said I had to wait for my new card which is wrong. I have done this before. 

This is a normal for this company and I am sick of it. Different continents handle things different and if thats the case keep us with our own region. 

I expect this to be handled.
Consumer complaint received 2024-04-11
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)

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 Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX and 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 2024-04-11
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. (SC)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. These collections found with my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization-used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by FTC.
Consumer complaint received 2024-04-11
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. (TN)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-11
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: TD BANK US HOLDING COMPANY (NY)

Unauthorized charges appeared on my statement. I froze the card in order to prevent further charges. Within the next days, more charges appeared, totalling more than {$1800.00}. Three disputes were filed and all were denied due to me having the card. All these charges were made in Florida, I reside in New York and have proof that I was at work on all days in which these purchases were made. The bank did not help as their reasoning was that the charges were made using the card chip.
Consumer complaint received 2024-03-13
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX XX/XX/2024 XXXX CFPB Investigation previous to this, Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. I have fallen victim to identity theft. Which i have submitted FTC reports to show the fraud that has impacted my life. I sent a letter regarding inaccurate and unknown things on my credit report. I have attached a recent FTC report to this complaint today To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes to Equifax. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately.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. If they are not deleted I will file for litigation due to the stress you caused me. My information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person or put on the dark web.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (HI)

I made a payment to Synchrony Bank ( Paypal Credit ) using my Paypal balance, as previously described, and that payment was reversed and late penalties applied even though I got an email saying the payment had been applied to my account. 

I filed a CFPB complaint, and Paypal locked down my account due to " fraudulent activity '' and requested my ID for some reason. 

I provided my ID, and filed a new complaint against Paypal for locking down my account. Now Paypal and Synchrony Bank are playing the finger pointing game, each saying the other is to blame for my account getting locked down. 

They have " reversed '' the fraudulent charges back into my account. 

Now I am being contacted by a Vendor I did business with last year, asking if I reversed their charges from Paypal. I did not. Clearly, this is the " fraudulent activity '' they detected. I did not submit these transactions as fraud, they ARE valid, and no one has contacted me as to their authenticity.
Consumer complaint received 2024-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one claims that they are reporting accurately however there are XXXX problems with this statement. The first is that on my consumer reports, it shows that they did not conduct an investigation as XXXX different consumer reports are reporting differently. See attached exhibits. This is a complete violation of the Fair Credit Reporting Act. Additionally, they have never sent me mail in writing that they were going to furnish negative information on my consumer report. If capital one believes otherwise then I demand to see proof that they sent me a written notice via certified mail green receipt bearing my signature 5 days prior to furnishing this false negative information pursuant to 15 U.S. Code 1681s-2 ( 7 ) ( A ).
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (PA)

This issue has not risen to identity theft as I do NOT consent to the reporting of this account. If this issue continues I will seek legal action. I have requested that this company show me proof that I was ever late on this account and they have not shown me any type of proof or conducted a reasonable investigation as it reports differently on each agency. See attached. Although without proof, this company believes that their reporting is accurate. Now I am requesting that this company provide the certified mail with green receipt that bears my signature stating that they have sent me in writing proper notification that they were going to furnish negative information on my report ( please note this must be prior to furnishing ) pursuant to section 15 U.S. Code 1681s-2 ( 7 ) ( A ) of the Fair Credit Reporting Act. I demand proof, if they can not provide proof then I demand they rectify. And if they do not rectify then I will sue due to noncompliance with the FCRA and Identity theft.