davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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. (PA)

XXXX has put inaccurate Fraudulent information on XXXX, Experian XXXX credit reports and have not removed them after I disputed them countless times I never agreed to pay them anything I never opened up an account with them and I never used their account that's posted on my reports They have websites that track or store or share way too much of our information without our consent or knowledge and don't have a way for US to have more control so no they are asking way too much and then they have Data Breach lawsuit and have been accused of posting inaccurate incomplete or Fraudulent accounts on people 's credit reports I won't them to STOP and Remove Themselves from my credit report not to post on my credit reports any more Just because these Data Bases share Our Social Security Numbers or Names and Address with each other or sell it without our consent or knowledge it doesn't mean We should have to suffer with the rejection these post cause us to end up with for rent Mortgage and what ever
Consumer complaint received 2015-06-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

My mortgage was sold from XXXX XXXX XXXX to Nationstar Mortgage. I never received any information from XXXX about the sale until it already had happened. When my wife attempted to contact Nationstar about our payment ( since it was XX/XX/XXXX ) they told us that they did not have our recorded updated so they could not accept a payment. They said we would get notification when everything was in place to make the payement. The notification came on XXXX XXXX and said that we were overdue on our payment and a late charge was assessed. When we contacted Nationstar they stated that the payment was due on the first and we were overdue. My wife explained the situation of what happened and was treated poorly. When she asked to speak to a manager she was informed that they did not have one. She attempted to pay the amout due and was told that she would still have to pay the late charge plus a fee since she was paying over the phone. She said that she would mail the amount but refused to pay the late charges due to the fact that it was an error on their part. Soon after we started receiving notices that Nationstar was starting paperwork to forclose on our house. How can this be legal? We have n't been with them a month and already getting notices of forecloseure. We still never received any other information from the company other than a bill. I would expect to receive information about my loan to verify there is no changes, a list of contacts and numbers to call for any questions, and something about the company that now has this very large loan against me.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I did not Authorize XXXX XXXX to  run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my XXXX report there are XXXX on my transunion report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo Bank repeatedly allowed fraudulent transactions to all my accounts costing me over $ XXXX and credit reports problems. They refuse despite DC police report XXXX and other evidence from XXXX XXXX, DC DISB to acknowledge and take responsibility for the fraud. My address for banking was XXXX XXXX XXXX DC XXXX. Fraudulent transactions was done in 2019 especially in XXXX and XXXX. .All accounts was affected XXXX. XXXX and all other accounts including checking and savings was compromised.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MT)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I'am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
# XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, XXXX is erroneously reporting my creditscore as XXXX when in fact my credit scores are XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) I tried to contact Capital One bank at XXXX and asked to speak to XXXX ( a company that provides creditscore on the Capital One Bank app a lady at a call center answered.Intially, she said XXXX gets info from 3 major credit bureaus, then when I told her what the 3 credit bureaus scores are at this moment, she gave a useless excuse and just hung up. 
She appeared to have no knowledge that XXXX, XXXX and XXXX are the three major credit bureaus. 
Also, she later said do not worry about XXXX, it does not matter. 

Then why is XXXX claiming to give the consumers using CapitalOne bank app their accurate creditscore? 

The incorrect information ( low credit score ) on XXXX must be immediately corrected because it is negatively affecting me as a consumer. 

I request CFB to help me fix the the error by contactingCapital One and XXXX. 
Thanks XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I currently have my direct deposit sent to XXXX XXXX  out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported 2 months and stop they said it the credit bureaus not reporting my payment experian XXXX XXXX not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX XXXX  and other major issues and. Me tying to fix my credit is stressful
Consumer complaint received 2023-05-06
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: CITIBANK, N.A. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX, XXXX, Citi Cards. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of all accounts listed due the identity theft.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (MS)

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights.

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have been in constant contact with Experian Fraud Department in regards to a XXXX XXXXXXXX XXXX XXXX account that was opened fraudulently XX/XX/2021. I have submitted multiple requests to have this account deleted from my credit file. I have sent all relevant documents to support my claim for Identity Theft, I have sent Experian police report, FTC ID theft report and a letter from XXXX XXXX fraud department that states that I am not responsible for this account. Even with all the information/documents I have submitted they continue to refuse to remove this account from my credit file therefore in violation of the FCRA. All of my Multiple requests and been dismissed and denied. I am wanting this matter escalated to the highest department that is able to fully provide a resolution to this fraud issue. If Experian still refuses to remove this fraudulent account I will be forced to seek legal representation and possibly file a lawsuit against Experian. I am hoping it doesn't have to come to that and that this matter may be finally resolved.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CA)

I have {$2200.00} that is stuck in Chase for my checking account and they refuse to release it because they want a verified phone maker which doesnt make sense I work hard for my money to pay for my XXXX XXXX and without this money I am unable to do so. I already contacted Chase and made a report her before but it wasnt resolved so I am hoping for a better solution please. They say it has to do with the check for {$340.00} and I have proof and record that I did earn it on the payroll Im sure the federal also have record of it like when I file my taxes. There is no way that this is a fraud please contact XXXX if you can on your side if you can please I would like my money back and Ive been trying for over a month now going to different branches and making many calls with both Chase and XXXX.
Consumer complaint received 2024-03-16
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. (DC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have received a response from Bank of America, which does not satisfy me at all, that indicates, they have been manipulating me saying they sent me my account balance on XX/XX/2023 and a month later they say they are working on it, that is disrespectful and a violation of human rights.
Consumer complaint received 2024-03-16
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. (NV)

XXXX has reported late payments to the consumer reporting agencies. By law it is Illegal to report transaction history! This being said, the account shall remain in error status until this is rectified. 

Also after opting out, my letter was to this day unanswered. Ive attached a copy of the letter sent to XXXX XXXX XXXX. 

The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Consumer complaint received 2023-05-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : 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 2024-03-16
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2019-10-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian is reporting false claims on my credit report from a consumer name XXXX. I do not know them neither have I signed any contract with that consumer name XXXX. I have sent in a certified letter to the credit bureau Experian. Letting them know that I have a fraud alert on my credit file, and I also have a credit security freeze. Because someone has my information. What the Experian the bureau told me after I have sent certified and notarized letter to them under the federal fair credit reporting act. The customer service representative told me that I do not have to comply by that law, and that they will keep it on my information credit report. I ask them to show me documentation of what the consumer gave them, because ask them to verify it by letter and not by E-verifying because their is a hacker. Who is getting thing in my name from online through the internet only. I do not know they are. I have called and spoken to the consumer of XXXX they told me that they do not have no contract on file between XXXX and I.  Called several times an ask Experian where are they getting their information from the customer service representative told me from XXXX. I call back Bridgecrest again they told me that the Experian must be getting that information from another online bureau who has wrong information on me because they said that they are not sending thing over to the credit bureaus because I DO NOT HAVE A ACCOUNT WITH THEM NOR DO I HAVE A CONTRACT WITH THEM AT ALL. HELP why is the credit bureau Experian reporting inaccurate information on my file making it hard for me to get a better job. I am a active good traveling man who is trying to work and support my family and fraternity worldwide Brotherhood who is active under United Supreme Council, 33 Ancient and Accepted Scottish Rite of Freemasonary, Southern Jurisdiction, United States of America XXXX XXXX Affiliation Grand Orient, XXXX Tennessee, XXXX XXXX Consistory # 38.  Under Sovereign Grand Commander Illustrious XXXX XXXX. I am in distress. Why is Experian allowing this hacker do this to me. Help, Help, Help!
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I made a request for XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than XXXX XXXX XXXX. I know for a fact that I did make these payments, but I am not here for that. They are reporting to Experian and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from XXXX and XXXX XXXX stating the dates. I do not have the letters mailed to them.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

I have filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus Experian, XXXX, XXXX. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. Experian XXXX XXXX, XXXX ( VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX Account number XXXX. 
Amount {$220000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$21000.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount {$3700.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$9300.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$10000.00} Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Amount {$25000.00} Date XX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.