davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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. (NC)

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 XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

Hello Ive never checked my credit report or scores that often because I pay cash for almost everything, I finally decided to check yesterday and I seen that there was an error on my XXXX XXXX and XXXX stating I owed Franklin service {$110.00} from an Atnt account that I had at an address that Im not familiar with or have never stayed at, In another county in Florida and XXXX didnt give me any troubles because those were fraudulent inquiries or debts that I never owed them I would like to have this report so when I contact XXXX and XXXX they can remove there fraudulent, unverified transactions and take that address off my credit profile
Consumer complaint received 2023-11-03
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/year> I deposited money to my capital one checking account. Also, I tried to make some cash deposit but I was unable to deposit all the amount. Therefore, I asked my coworker, my cousin, and my mother to make a XXXX to my account. XXXX XXXX ( mother ) sent me {$2000.00}, XXXX XXXX sent me {$1500.00} and {$500.00} ( cousin ), and XXXX XXXX sent me {$600.00} ( coworker ). The trasactions {$2000.00}, {$1500.00} were set for verification. Because I was worry that the checks I made to pay cars that I buy for XXXX were not honor, I deposit money by XXXX {$3400.00} and {$580.00} while the XXXX transactions were verified. On XX/XX/year> I received an email that my account was restricted for suspicious activity, so I called the bank. I spoke with XXXX but the call got disconnected weirly. Then I was able to skpoke with a guy with ask me a lot of questions, after all the time lost. He told me that Capital One decided to close my account. I went to the capital branch at XXXX, MN and they did not even try to help me. I called again, a lady called XXXX explain me that the fund will continue to be hold, I asked for the Manager, XXXX presented herself as a manager. They denied to reveal any employee id or last name and state that the voice record were online reserved to capital one. I need help because {$16000.00} are being held for no reason and not an specific period. All checks were return as unpaid and now I have a big debt because capital one is stealing my money. They treat me badly without trying to give me a good explanation of what is going on and when my money will be reversed.
Consumer complaint received 2023-11-03
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AK)

After working with Wells Fargo for over 2 months on this issue I have just been told that the resolution for the issue is for me to contact the condo association and request a refund to Wells Fargo from my XXXX account on their behalf even though they made the payment in error based on incorrect information given to them by the condo association. At the time that wells fargo made the payment in error the account had been paid in full and kept cuare n't to this point today. I provided Wells Fargo the documestation verifying the payment and the day It was made which was Approximately two months prior to their payment that they made based on Inaccurate information received from the condio association. I feel that the given resolution by Wells Fargo is completely unsatisfactory. I feel that the responsability to ask for a Refund from the condo association should be done by Wells Fargo since they made the payment in error based on incorrect information from the condo assocpatient. I feel that I am not responsible for their mistake. Therefore I should not be responsible for requesting the refund wells fargo from the condo association. In addition to this complaint I would like to request any information I can get on on any regulatory agency that can assist further with this issue. These CFP B complaints have not been effective in getting Wells fargo to fix the mistakes they have made so I would like to escalate the issue to a higher authority Than the c f p b to get a satisfactory resolution of this issue.
Consumer complaint received 2024-01-09
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. (MO)

The following accounts are not mines and/or nor did I agree or given any written permission to have any creditor to report to any third persons or business any such accounts on my behalf via my credit consumer report. Therefore, I'm demanding the immediate removal of the following accounts, XXXX. XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2022, I was notified by XXXX XXXX that beginning XX/XX/2022 my mortgage loan servicer would be Shell Point. Per the letter notification I began making remitting my payment to Shell Point. 

I recently pulled my credit report and Shell Point is report mortgage late payments for the months of XXXX, XXXX and XX/XX/2022. This is a RESPA Violation, as my payment was not late. 

I am refinancing my loan and have been denied due to Shell Points erroneous credit reporting. I have reach out to Shell Point requesting a letter that I was not late. I also requested then to correct the error with the three Credit Bureaus. I have not received any response for Shell Point. 

The situation is adversely affecting my ability to refinance my mortgage loan. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.
Consumer complaint received 2023-05-10
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. (NY)

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, has violated my rights. XXXX5 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

Hello, my information was sold to XXXX XXXX servicing from Chase bank without my consent. Furthermore, after requesting documentation I realized my information has been sold again from XXXX XXXX XXXX to XXXX. My initial understanding was that both companies were the same company. Not XXXX XXXX XXXX. My loan never went into collections with Chase which from understanding XXXX is a debt collection agency. Also I received my XXXX this year to pay taxes to file. Only to receive a letter from the IRS stating that my information was incorrect within my city taxes and {$800.00} would be withheld. My credit report has been ran at least XXXX  times and still has yet to provide proper validation of debt. According to my promissory note my debt is with Chase bank. 12USC1431, 15USC1681,
Consumer complaint received 2023-11-03
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. (FL)

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 NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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 2023-11-15
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. (GA)

XXXX XXXX XXXX # 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 Section 2 states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions or crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( A ) ( 1 ) a person may 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 2023-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing to dispute the debt that you are attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe this debt because I was a victim of identity theft. 

On XX/XX/2020, I became aware that my identity had been stolen. I filed a report with the Federal Trade CommissionFederal Trade Commission ( FTC ) reference XXXX XXXX and contacted the three major credit bureaus to place a fraud alert on my credit reports. 

I request that you investigate this matter and cease all collection efforts on this debt. If you have any questions, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I have contacted this company asking for applications, or security agreements that was completed by me to show initiating of this account. I have never lived on whatever property they are claiming. And, they continue to provide some type of agreement created online. They will not even forward an application to show if I even applied to live wherever this place is. They even have a page with a generic email of my name as an email which is not my email and never has been. 
They are now saying I owe {$4100.00} for some move out service or something. 

This is not my debt, I did not live here nor applied to do so.
Consumer complaint received 2023-11-03
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: SYNCHRONY FINANCIAL (FL)

To whom it ay concern : I purchased XXXX XXXX XXXX XXXX XXXX and I was told that it was a two year interest free purchase. 
After paying my monthly payments of {$200.00} per month ( XXXX XXXX ) for 24 months with a total of {$4800.00} paid, I was insure that the interest payment would not be applied if the monthly payments were satisfied. 

I received my first bill XXXX indicating that the interest occurred payment was due. 
The bill I received after the initial purchase was for the interest owed on this purchase. 
I never received a monthly bill or email about the terms, or the remaining payments before interest would be applied. 
I would have paid for this purchase in full if I was notified. 
I believe this company purposely ignored billing me the itemized statements. 
Thank you for your help ( I have attached the paperwork needed to substantiate this claim. Kind regards, XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CREDIT CARDS ENDING IN XXXX AND XXXX WERE PAID IN FULL ON XX/XX/XXXX. ON XX/XX/XXXX CAPITAL ONE CHARGED AN ADDITIONAL XXXX & XXXX IN INTEREST. CONTACT EMPLOYEE ON XX/XX/XXXX SYSTEM WAS DONE, BUT THEY STATED THERE WOULD BE NO PROBLEM REIMBURSING THE INTEREST. THEY ASKED ME TO CALL BACK LATER. CALLED ON XX/XX/XXXX AND WAS TOLD SURE, WE CAN REFUND IT. AFTER LEAVING THE PHONE FOR A FEW MINUTES SHE CAME BACK TO SAY THE COMPUTER WOULD NOT ALLOW IT SO I AM OUT OF LUCK. CONTACTED AGAIN ON XX/XX/XXXX VIA ONLINE CHAT AND WAS TOLD EVEN THOUGH I SELECTED " PAID IN FULL '' THE INTEREST WAS STILL VALID.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (PA)

I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX. Experian did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.
Consumer complaint received 2018-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A. (CA)

On XX/XX/2018 I received a {$300.00} payday advance from mypaydayloan.com with the understanding due to language on their very site that, I would then be responsible for {$390.00} upon repayment. The loan was set up in a way to deduct {$90.00} directly from my checking account bi-weekly until the loan was repaid. There have been a total of 5 {$90.00} payments taken from my account for a total of {$450.00}, which in my estimate is {$60.00} too much. I called their customer service line today and was told that because I did not pay the debt in full with one payment, that I would continue to be charged the {$90.00} bi weekly fee. I asked how that was even legal to do because not only had I repaid the initial loan with interest, but overpaid as well, and the man on the phone confusingly kept telling me that this was NOT a payday advance and that was the reason for the continuing withdrawals from my account. I'm sorry, but there is no way that this is can be legal. I am obviously not in a good place financially to begin with and there is no way I can afford to give them the extra {$60.00} they have taken or the countless more {$90.00} they intend to take. Please help me.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian about two address that are listed on my credit report over 60 days now and they still haven't been removed. I have never lived at XXXX XXXX XXXX. nor have I ever lived at XXXX XXXX XXXX.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capitol Accounts I have XXXX accounts with Capitol One that list me as an authorized user. I would like to remove myself as an authorized user from both accounts because the primary has carried a balance on the cards and did not finish paying for them before closing the account. The issue is that I do not know who the primaries are for the account. Capitol One stated that the primaries would have to remove me and that I can not remove myself ; however, they were not helpful in providing me this information either. I still do not know who the primaries are or what steps can be taken to remove from these accounts.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (VA)

JPMCB, XXXX XXXX and Amazon are furnishing information that does not belong to me and the inaccurate or fraudulent information is being reported by XXXX, XXXX, and XXXX. I have sent letters of dispute, giving all of the companies a notice and asking that the information be deleted from the profile under my name.
Consumer complaint received 2024-01-09
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. (TN)

Transunion is reporting an account that is a result of identity theft. It has previously been removed, but has returned with new delinquent dates. Ive never done any business with this company, and I would like to get this situation rectified as soon as possible. This is defamation of character and Im fully prepared to take legal action.
Consumer complaint received 2023-09-11
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)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX