davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (IN)

I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (GA)

On XX/XX/2024 I submitted a CFPB claim in reference to inaccurate information being report per my XXXX and Equifax report. XXXX CLOSED An official website of the United States Government ( https : //www.consumerfinance.gov/ ) Start a new complaint All complaints (. ) STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report The removal of this account does not satisfy as remedy for the errors caused by Equifax and the furnisher. The account is a JOINT ACCOUNT with I, XXXX XXXX was the Primary Holder on the account. The Furnisher and the reporting agency have decided to completely remove the positive account instead of taking accountability for their actions. While the account is updated as paid as agreed and reflects a positively closed account on the co owners, XXXX XXXX 's credit report. I did not ask for a deletion of any positive accounts. I did however previously request as marked as paid on time as agreed, which they managed to do for the co owner of the account and not the primary holder of the account. This continuous battle has done nothing but cause more headache and issues over requesting what is owed to me. That is a correct updated marked as never late paid and completed credit reporting. Per 611 - 15 U.S.C. 1681i B ) UNDER Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the 611 - 15 U.S.C. 1681i 61 person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2023-10-24
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: WELLS FARGO & COMPANY (NV)

We book a vacation back in XXXX. Then we decided to get a refund due to personal reasons. I called the place and said I was cancelling and they told me it was okay. Never got my refund. I opened an escalation with Wells Fargo and went through a few months until they made my credit permanent. Now in XXXX they change my card since they finished their contract with XXXX XXXX shipped me a new card and a new charge comes out. Im not even aware of what this charge is for. After going back and forth for hour long calls and multiple departments they tell me is coming from that credit that was already permanent. I go back and forth with them emailing the board of directors and nothing happens. Then after another month of calling back and forth I get an email on XX/XX/13 saying that my credit is now permanent for XXXX $ but the credit they added to my account is XXXX XXXX They made an excuse that it was an overcharged and denied my dispute again. Now they are asking me ti take legal action to the merchant. I just want my credit to stay permanent.
Consumer complaint received 2023-10-24
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)

Dear Equifax Representative, This letter informs you that I have become a victim of identity theft. I have filed reports with both the Federal Trade Commission and the CFPB. Please see the enclosed reports. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending Equifax Data Breach Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 
All required documentation is within this packet and mailed to your agency via USPS-certified mail with tracking. I hereby request the following unauthorized inquiries to be deleted from my credit report immediately.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I am writing regarding my Equifax credit score that is totally wrong comparing to the 2 other credit bureau. My credit scores with XXXX and XXXX XXXX are very good when the one with Equifax is bad. All those XXXX credit bureau have the same information but 2 of them are very good when my Equifax credit score is bad. I called Equifax and they said that they did not see no negative activity on my report and they could not tell me why it is low. They also said it can be another factor why it is low. I start imagine that probably either race gender ethnicity is one of those factors with Equifax which is why my credit score is so low with Equifax. How my XXXX score is XXXX very good comparing with Equifax XXXX bad. All I want from Equifax is a accurate credit score. Thank you.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

As of XXXX my available credit on my PayPal credit ancciunt managed by Synchrony bank account was {$1000.00}, according to the company on XX/XX/XXXX a letter was sent out and my available credit was reduced to {$500.00}. Customer service from the company said to contact XXXX, XXXX said to contact the credit bureaus that I use. This is a virtual line of credit without a tangible card and it is unclear which credit reporting agency is used by Synchrony bank to regarding consumer credit reports- nobody was able to give me this answer for me to pursue and see if there is an error on my credit report. I have had this account the longest of any of my available lines of credit and had recently paid the balance in full with a fairly good history of making on time payments. The other two lines of credit I have are not reduced with less history and higher balances. Thus, this action seems nothing except for predatory on behalf of synchrony bank. 

This action taken by Synchrony bank negatively impacts my credit report to have my credit limit reduced and to further have a lower amount of available credit ; this is not a practice that helps consumers develop credit which is the point for me as a consumer to have this type of credit. Moreover, I still have not received the letter as of XX/XX/XXXX, and this move caused me to be unable to pay other bills since the credit was lowered with no advance notice or means acknowledge or to appeal, and I use this line of credit to make purchases for my business. Some are regular monthly purchases but others are seasonal. I had used this line of credit to purchase equipment needed for the winter and it came out of a card linked to a separate account from the merchant. I made these purchases before the XXXX of XXXX so it would have shown as pending on my account as well.
Consumer complaint received 2024-04-08
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. (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 2023-10-24
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. (VA)

Experian abused consumer reports by utilizing information from greater than 10 years ago. Failed to update hard inquiries on file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  abused by experian XXXX XXXX and XXXX failed to provide relief monetarily & acted negligently by clearly failing to respond to previous investigations for 12 months
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (LA)

I paid my loan balance in full on XX/XX/23 and inadvertently sent 2 extra payments from my bank. AES stated that refund checks were mailed, but I have not received in over 30 days.
Consumer complaint received 2023-10-24
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. (TX)

I Have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account name and Account number 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MIDFIRST BANK (SC)

Was told about the Assumption Process in XXXX of XXXX. They later told me I needed a Credit Qualified Assumption, as I was attempting to remove my ex-husband from the loan. Was told it would take 30 days, then 90 days, then 90 more days as the paperwork had to be sent over and approved by the FHA directly. I filled out the XXXX XXXX packet multiple times. I could never reach or received a reply from the person listed in the paper work, XXXX XXXX. I was consistently threatened in the paperwork language, that my application would be cancelled, if information that was mailed out to me were not received back in 15 business days ; despite it often taking 15 days to arrive to me. No guidance on how to complete the paperwork, what they were looking for regarding " buyer '' and " seller '', constantly asking for my ex husband to sign documents ; despite me providing them the XXXX XXXX stating that he had " no interest in the home ''. It was a nightmare, and I could have been held in contempt of Court due to them not completing the process in a timely, honest and professional manner. Process wasn't complete until XXXX. They even send me a letter stating the they could not complete the process because I had not yet made that particular month 's payment ( I had until the XXXX before a late fee would even be processed ). I had been paying the Mortgage independently for more than 12 months. They charged me {$550.00} to drag out a simple process, not provide support and lie regarding the FHA having to approve the process. It was way worse than obtaining the mortgage from the beginning.
Consumer complaint received 2023-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 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 

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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$690.00} XXXX XXXX **** Balance Owed : {$890.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: Credence Resource Management, LLC (NY)

In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : credence resource mana # XXXX, Account 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 

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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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)

Hello these companies has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (NV)

I received an Amazon Prime credit card replacing my existing Amazon Prime credit card through Chase Bank that I never applied for. The credit card came addressed to me, to my home address. I received this credit card after my Amazon account was also compromised. The card was received on XX/XX/2023. I filed a police report the same day stating that I never applied for the credit card. There was also a prepaid envelope indicating I needed to return my old credit card for secure disposal. My existing credit card is XXXX, while the new Amazon credit card happens to be blue. The address on the envelop is : SHIPPING RETURNS XXXX XXXX XXXX XXXX OH XXXX. 

I NEVER applied for this credit card. This is fraudulent activity on my account, nor do not accept this. My information has been compromised and this needs to be remedied. Someone has access to my personal information and is trying to either impersonate or steal my identity.
Consumer complaint received 2023-09-01
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$66.00} ; XXXX XXXX  Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$390.00}.
Consumer complaint received 2023-10-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.