davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. This is regarding CFPB complaint XXXX that was sent to Experian on XX/XX/XXXX in which there was never a response sent to me- the complaint is still open. Experian was informed that the XXXX accounts with the DEPT OF EDUCATIONXXXXXXXX  that are reporting late payments in XX/XX/XXXX is not correct. I was never late on this account. Experian and the creditor have not sent any proof of the account ever being late such as the bank transactions. I have sent proof of my bank transactions showing that my payments were on time, yet the late payments are still reporting. XXXX and XXXX have since deleted the XXXX accounts and I am requesting that Experian follow suit. Please take notice that this complaint is a notice of pending litigation due to FCRA violations and gross misconduct. I will attach the dispute letter, which is dated, and time stamped along with my credit report showing the accounts that are to be removed. Lastly, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Remove the following accounts from my credit report immediately : DEPT OF EDUCATIONXXXX XXXX {$4000.00}, DEPT OF EDUCATION/XXXX  XXXX {$2400.00}, DEPT OF EDUCATIONXXXX XXXX {$460.00} XXXX DEPT OF XXXX XXXX {$700.00} XXXX DEPT OF EDUCATIONXXXX XXXX {$1900.00}.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I received a message on XX/XX/23 at XXXX stating someone tried to charge my card at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX at XXXX XXXX for XXXX I was at work at the time of this happening in a completely different state. I work for XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I have my work schedule with a proven timestamp along with my work phone that has remote access granted via IT as well as XXXX. 
I called my bank once I got off work to further dispute the charges and I seen that my money was moved from my savings account over to my checking and it was spent. XXXX charges are made at a XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX for the amount of XXXX  XXXX different times. The first at XXXX, then XXXX, and finally XXXX. I called my bank once they denied the dispute and they never told me why it was denied, they only said they would send me a link to send in the supporting documents to re-open the case that was already denied with the same supporting documents.
Consumer complaint received 2023-12-13
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. (KY)

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 XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am writing to express my concern and seek immediate clarification regarding an issue with my business checking account at Capital One. On XX/XX/2024, I transferred {$7400.00} from my external bank business checking account to my Capital One business checking account. Despite the funds being credited on the same day, as of XX/XX/2024, my available balance remains incorrectly at XXXX. 

Upon noticing this discrepancy, I contacted your customer support line and was directed to your security team, where I spoke with an employee named XXXX ( ID : XXXX ). XXXX informed me that my funds were on hold due to a need for additional information. However, she was unable to specify the information required or provide a satisfactory explanation for the hold. Despite my inquiries, the only resolution offered was that the funds would be unavailable until XX/XX/XXXX. Upon further discussion, XXXX then stated the funds could be released immediately, a response that was both confusing and contradictory. 

This unexplained and seemingly arbitrary hold on my funds is not only perplexing but has also resulted in a rejected payment due to insufficient funds, directly impacting my business operations. The lack of clear communication and justification for these actions is unacceptable. 

I request an immediate review of my account and a detailed explanation for the hold on my funds. It is critical to resolve this matter swiftly to avoid further inconvenience and potential damage to my business. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, The account listed as " XXXX '' with Account number : XXXX, Account status is misleading : showing different per bureau. I have attached a full 3 bureau report with inaccurate reporting. XXXX and XXXX do not show this account. 

Can you delete this from my EQUIFAX consumer report ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Medical debt is now the largest source of debt in collections, totaling more than credit cards, utilities and auto loans combined, according to the White House. 

On XXXX the XXXX, XXXX, I received the attached letter demanding money. The demand letter was from Medical Revenue Service. LLC, the demand letter is requesting {$6200.00} which is incorrect. 

I XXXX XXXX disputes this allege Debt in its entirety. 

In XXXX, I was diagnosed with XXXX  XXXX XXXX XXXX. Needless to say, upon finding out this information, my life was turned up-side down and changed forever. 

As a result of my continues care and treatment, it has completely depleted my familys finances and any savings we were able to save. As you might imagine, my life and the life of my family has been changed forever as a result of this awful XXXX. 

Due to the late stages of my care, I am in the process of getting my house in order for the sake of my family. 

In the interest of Consumer Focus, my family and I are requesting that you suspend your collection efforts and close your files. Additionally, please do not allow your office to have any Negative tag lines to be added to my credit report profile. 

Furthermore, per your contractual requirements, please close this account in your office and return it to your client ( XXXX ) for further review. 

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Florida. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Medical Revenue Services LLC, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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: DISCOVER BANK (CT)

i recently pulled my consumer report from experian, XXXX, XXXX. When i noticed so unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing alot of stress in my life, which is resulting in a financial crisis DISCOVER BANK/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (CT)

To whom it may concern, There are XXXX accounts from XXXX XXXX representing XXXX XXXX. I have provided them with copies of my paid bills, as well as proof that I had another insurance and disputed it with the credit bureaus. Unfortunately, they did not respond, so the credit bureau XXXX requested that I file a complaint with you. Then they will remove this from my credit account. 

There is also a third account from my previous landlord, XXXX XXXX XXXX. I have provided proof of all my bills and rent payments, but they have charged me for legal fees without any court order. I provided the docket numbers, but they have not responded to the credit bureau. XXXX wants me to file this complaint, and then they will remove it from my account. 

I appreciate your assistance regarding these matters. 

Thank you. 
XXXX
Consumer complaint received 2024-04-03
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 studying 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 2024-02-07
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 (KS)

XX/XX/2024 - Someone opened a Capital One Business credit card in my name and obtained a credit report from XXXX. 
Called Capital One and alerted them to this fraud. They said they would stop the issuance of the card and send the matter to their fraud unit. They recommended I file a complaint with the CFPB.
Consumer complaint received 2024-04-03
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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-03
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC (GA)

In XXXX on XXXX, I started the process of refinancing my VA home loan to access some of the equity. My mortgage servicing company was Shellpoint/Newrez . My loan number was XXXX. I was told by XXXX XXXX, who is an employee of Shellpoint/Newrez , that if loan was not approved, I would get the money that I paid for the appraisal of the house back. The appraisal cost was XXXX, the loan didn't get approved and XXXX XXXX denied ever saying I would get the money back. I asked him to run the loan refinance request using the VA but he used the FHA, because I had a late payment within a 24 month period. The VA would have been approved, this is evident because I went to another lender and the loan was approved. 

The next and most Egregious action from Shellpoint/Newrez was on XX/XX/XXXX, after the Law firm ( XXXX XXXX XXXX XXXX XXXX XXXX ) who conducting the closing with XXXX XXXX and I wired over what was believe to be the payoff amount {$310000.00} Shellpoint/Newrez returned the funds without an explanation to the law firm. I called shellpoint/Newrez on XX/XX/XXXX at XXXX eastern time to ascertain the reason the funds were returned. I was told that the amount was short by XXXX. I call the law firm back on the same day at XXXX to let them know the reason why the funds were return. The law office told me that I would have to bring a check to their office for the remaining balance. The law office resubmitted the funds on XX/XX/XXXX. I called shellpoint/Newrez at XXXX on XX/XX/XXXX and made a payment for the XXXX mortgage to ensure that I would not get a 30 late on my account because I assumed that the law office would not send the wire back until I brought them the check. Shellpoint/Newrez is now claiming that the XXXX payment that I made was factored into the XXXX but that not possible because I made the payment after they told me that the what was needed to pay the loan off with them. The are trying to XXXX from me
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (KY)

I was sent a summons XX/XX/XXXX  to which I responded promptly askin to send me proof of the purchase agreement to verify that this debt is mine. 
I received statements with all accounts painted over with black marker and the last four of the account number. 
I responded in a timely manner and requested the purchase agreement I received the statements again about the credit card and the rules and regulations. 
Nowhere to see how this can be mine having my signature on the documents
Consumer complaint received 2024-04-03
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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-03
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 studying 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-03
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 studying 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. these are the inquiries : XXXX XXXXXXXX XXXX || DATE OF INQUIRY : XX/XX/2023
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (FL)

Netspend sent a credit card to my address with a strangers name on it. They may have done so twice, since the XXXX XXXX XXXX application shows another piece of mail sent from XXXX Netspend to my address with another strangers name. Not sure if a scammer is using my address or if Netspend is the scammer, since they have a lot of complaints online. I tried calling them at the phone number on the back of the card, but the options menu did not seem to include talking to a real person or address fraud.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (GA)

{$300.00} was taken from bank account using XXXX. I don't know how they did it but I reported it as soon as I seen it to XXXX and my bank. Huntington requested information from me. I sent it but they closed the case taking back the provisional credit but they got the fax and still closed it.
Consumer complaint received 2023-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-03
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 am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.