davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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)

I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
XXXX XXXX XXXX XXXXXXXXDept of ED Loan Amount XXXX {$4500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.
Consumer complaint received 2024-06-24
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-04-12
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)

I'm in the process of opening up a XXXX XXXX company so i sent off for my reports to make sure my credit is ok. I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is relating to. These accounts XXXX XXXX  Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX. These accounts has violated my rights. 

Also according to 15 USC 1681e-2, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to follow up on my previous dispute regarding the fraudulent account that is still appearing on my credit report. Despite my previous efforts to resolve this matter, the erroneous information continues to negatively impact my credit score and financial standing. As stated in my previous correspondence, I have never opened or authorized the account in question. This account is clearly the result of identity theft or fraud, and its presence on my credit report is both inaccurate and damaging.

Since my initial dispute, I have not received any communication or updates from your agency regarding the status of the investigation into this matter. I urge you to expedite the resolution process and remove the fraudulent account from my credit report immediately.

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information contained in my credit report. The continued reporting of this fraudulent account not only violates my rights under the FCRA but also undermines the trust and reliability of your credit reporting services.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-12
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. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX I visited a gas station ( XXXX ) in XXXX. I was in a rented car on the way to the airport. Long story short there is a scam ring operating out of this XXXX station and other stations as well. They are good at what they do and there are many stories online about how they have scammed hundreds of tourists. The scam is they tell you the credit card machine is not working very well and tell you it may work and they take your card to try. The pump runs slow ( on purpose ) and they ask if the tank is full. It is not so you say no. They then clear the pump and now the original transaction is cleared. My daughter and I were already suspicious of how this was going down so she photographed the pump. The attendant then starts the pump again and in most cases they add the 2 transactions together adding on an amount that is not true. You have no way to know as the original transaction is cleared. Since they knew we took a picture and were suspicious I believe we paid close to the correct amount for our gas -- {$60.00}. However, prior to paying cash for the gas they bring a credit card machine to your car door and swipe the card. The machine does not work so they ask for cash. As the gas is pumping and the person has your card they run a transaction on a square or similar on their cell phone. Within minutes of driving off from the station I received a text from Capital One asking me if I charged {$1000.00}. I immediately replied that I did not. When I arrived home after landing I called the Capital One Fraud team and explained what happened and thanked them for catching the charge so quickly. Little did I know I would be fighting Capital One 6 months later on this same charge. The scamming vendor who charged sent in a fake invoice with a signature on it. The signature is a forge and I have supplied my signature 3 times to Capital One. The name on the fake invoice is XXXX XXXX which I have no idea who they are. Researching online I believe they may be a restaurant in XXXX  XXXX which I have never been to. The charge is not from XXXX. I have spent countless hours on the phone with Capital One and sent XXXX pages of documentation with numerous stories written by tourists who were scammed. I will continue to fight this fraudulent activity and if you can help it would be great. I see online many banks have stood behind their cardholders who experienced the exact same situation and I am so disappointed that Capital One does not stand behind cardholders at all as I have been using the cards for many years. Thank you.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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. (OH)

On XX/XX/2024 XXXX XXXX consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Consumer complaint received 2023-12-05
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. (SC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (MO)

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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Faie Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (WA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MI)

XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX, XXXX, XXXX, XXXX ( all approved for discharge ) To whom it may concern ; I am writing to you to file a complaint against Mohela. On XX/XX/XXXX, I received approval for dismissal of all my XXXX XXXX XXXX under XXXX XXXX XXXXXXXX Settlement. My student loan repayment was placed in forbearance until XX/XX/XXXX. After receiving the approval for dismissal letters. I contacted XXXX  XXXX and was told it could take approximately one year for these to be removed and off my credit report. 
On XX/XX/XXXX, I received an email from Mohela. This email referenced student loan payments would resume starting XX/XX/XXXX. I contacted this server and informed them that my loans should be under forbearance due to the above XXXX XXXX XXXX. 
On XX/XX/XXXX, they returned my account back to forbearance status. I had also spoken with XXXX XXXXXXXX and was told to submit a complaint, which I did ( complaint # XXXX ). The feedback I received stated that I was correct my student loans are in forbearance until XX/XX/XXXX, until the lawsuit is resolved. 
On XX/XX/XXXX, Mohela removed my forbearance again. They sent me an email on XX/XX/XXXX, stating that I missed a payment of {$1700.00}. At this time, I contacted this server again to complain and to find out why my forbearance keeps getting removed. I was told XXXX removed the forbearance and to contact them. I spoke with several people from XXXX and was told Mohela is the reason the forbearance is removed. XXXX said on their end my loans should still be in forbearance. My loans were approved and awaiting Mohela to discharge them. 
After going back and forth with both servers Mohela finally decided to place my loans on XX/XX/XXXX, XXXX XXXX until XX/XX/XXXX. Mohela, is nonresponsive, not knowledgeable and tends to shift the blame, trying to charge students even though they are well aware of the circumstances. On XX/XX/XXXX, I spoke with XXXX and was told to contact Mohela regarding the dismissal of my approved applications above. I see why they are being sued. I have sought after the attorney at XXXX XXXX XXXX to retain their services against Mohela. 
I am requesting someone to look into XXXX shady practices!!!!!!!
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian failed to comply with the fair credit act laws put in place to prevent these issues from occurring I have no student loans I have zero student loans do your job and verify the information are remove it. You are XXXX and incompetent to do your job. You need to be ashamed of yourself for being worthless and having no meaning. 
This company refuses to remove inaccurate information based off of my XXXX and my XXXX the fact is clear as day XXXX with excellent credit and this company experience is jealous of my financial success and trying to financially hold me back from obtaining new Credit line and a new Credit as well as an increase on my credit card been done credit for the whole year of 2023 ongoing I want this company, financially held responsibly for their actions related towards not updating and following the fair credit act related to my Credit Report I asked the person did not finish my first dispute filed. I asked that they are fired and not allowed to work in the credit department for the rest of the life.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Wallace Management Company, LLC (NM)

I have been fighting this for years now.When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and don't know mothers maiden name. This is not mine! and it has been holding me back for to longXXXX I want it removed. ASAP
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

A debt collection of {$2700.00} showed up on my credit report on XX/XX/XXXX from Pro Collect Inc. their address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the phone number XXXX. I spoke to them regarding this debt in XXXX and this is when I asked for the information on the account, what the debt was for, I also asked for any documentation they could send to me over this account. Pro Collect Inc did not send anything. I also was spoken to very unprofessionally and was hung up on. I again called on XX/XX/XXXX at XXXX to try again to get any information they had and was again the employee was very unprofessional and unwilling to hear anything I had to say. The one piece of information that the employee gave me ( as she was speaking very fast, I only was able to write down what I heard her say ) was that there was a charge for utilities, countertops, blinds, carpet and a late fee on my rent. I told the agent at Pro Collect that I have pictures of the apartment when I moved out, and she told me that pictures don't matter. The Pro Collect Inc. agent was again unprofessional and would not even listen to anything I had to say, and I was trying to again request documentation of these charges, but could not get that out before I was hung up on again. 
After my XXXX contract was over in XX/XX/XXXX for the XXXX XXXX  XXXX XXXX I went month to month after my lease contract was over because I was trying to find a rent house. When I went to the apartment manager, she told me that I would need to pay {$1600.00} per month and would need to give them 30 days notice before my move out date. I agreed and the apartment manager 's request, and she did not give me a contract to sign. I then gave the manager of the apartment more than 30 days notice of move out in XX/XX/XXXX, and I moved out before the end of XXXX ( on XX/XX/XXXX ). And paid the full {$1600.00} for the month of XXXX. I took pictures of every part of the apartment and paid all of my utilities before I moved out. I left the apartment in the same condition that it was given to me. So Pro Collect Inc. is fraudulently charging for things that I do not owe. I never would have received a late fee because I paid for the full month of XX/XX/XXXX and paid every rent payment on time. I have documentation of this on my bank account statements. 
Furthermore, I reported Pro Collect Inc. to the XXXX  and noticed that there were XXXX complaints against them for the same exact thing they are doing to me.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

About a month ago, I was alerted by my credit monitoring service, XXXX, along with a few others, due to some fraudulent activities and the leaking of my information to the dark web. In response to this, I contacted Credit Collection Services through a dispute on XXXX to inquire about their identity and the specifics of the debt they claimed I owed. Despite my request for information, they failed to reply and subsequently reported a late payment fee on my credit report.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MT)

I applied for a new checking account using a promo code with Wells Fargo. I was not able to open it online and was directed to go to the branch and was provided a promo code via email. I went to the branch informed the representative and provided him the email. He used my phone to add the code to my account. I added the account to my direct deposit and met all the requirements. In XXXX when I should have gotten the promotion, I called the bank to inquire about the bonus and got a claim number. I called back after 3 weeks and was told that I never provided the promo code, I asked for a supervisor and was disconnected. I tried to call back but was blocked. I called the branch and spoke with the supervisor XXXX, gave her the promo code, and name of the representative, she said she would call me but never did. I called her twice and she never responded. I have now closed the account given I was lied to and defrauded of the promised promo code. I want help since it's not fair that they lie and are not held accountable.