davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I reside on a college campus, but Experian has flagged my address as " high risk '' due to its non-residential classification. This designation has caused significant difficulties in my credit applications, often requiring extensive explanations to creditors. In some instances, I was unfairly denied credit due to Experian 's dissemination of what I believe to be inaccurate and harmful information. 

This flag is not only incorrect but also misleading. The campus is home to hundreds of students, faculty, and staff. When I contacted Experian, they confirmed the campus nature of my address but did not provide any evidence to support the claim that it's riskier than other residential locations. On their website, Experian states, " If Experian 's records indicate that the address is a certain type of high-risk, business address ( like a prison ), they will flag the address as potentially associated with fraud and advise potential creditors to contact the individual for more information '' I hope they don't equal college campus to prisons. 

Furthermore, I am aware of multiple class action lawsuits against Experian concerning this questionable practice.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX  XXXX XXXX XXXXXXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I dont even know this company XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I constantly receive mysterious calls where no one speaks and all I hear is a beeping sound. Strangely, no voicemail is left if I don't answer. I never gave them permission to contact my cellphone, which goes against the Telephone Consumer Protection Act ( TCPA ). This act specifically prohibits automated collection calls to cell phones, especially when I have already requested them to stop calling on numerous occasions and even spoken to their managers. Despite my multiple cease and desist requests, they continue to persistently call me and harass me.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

The problem that I have with Experian is that they do not have a way to reach a real person when you call. I have tried at least 3 of their published phone numbers ( during normal business hours ), and always get the same prompts with no ability to speak to a person. I have questions and need help with their report and fraud process, but no one is available. When you call, the automated system refuses to transfer you to a person even when repeatedly asked. I don't think a company should have this much information about me when I can't even call and talk to someone. It is a one-sided relationship in their favor.

1. I tried to place an extended fraud alert on my report. Experian sent a letter that I needed to submit extra paperwork, but I sent all of that in with the request.

2. They opened a dispute on one of my old accounts that I didn't request.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an account with Bank of America ( BoA ), opened in XXXX XXXX, Tx. My credit card was cloned and used to do several transaction on XX/XX/XXXX and XX/XX/XXXX at XXXX and XXXX in the state of Texas. They spent around {$1400.00} ( all the money in the account ). 
I traveled to XXXX on XX/XX/XXXX and I came back to United States on XX/XX/XXXX. I noticed this fraudulent transaction and I called BoA and asked them to cancel the card. They did canceled the card and they offered me a credit for the money missing in my account, while they conducted and investigation. I mentioned that I was not in the country at the time of the transactions and I had proof of this, but they say it was not required. 

I received a letter on XX/XX/XXXX saying : " Our records show the transaction activity in question was authorized and posted correctly to you account ''. I went to a BoA financial center located at XXXX XXXX XXXX XXXX, XXXX XXXX, Tx to show them documents to proof I was not the one doing those transaction. They told me they did not handle that and I need to call the Claim Center. 

I called the claim center and I asked for an explanation about the outcome of the investigation and they said they revoked the claim based on two factors : 1. '' The transaction do not reflect any urgency on getting the money out from the account ''. However the transaction were done on two days.

2. " There is proof of my pin being used on the transaction ''. I asked to show me proof of this, and they say I don't have access to this information. I specifically as for this to XXXX ( employee number XXXX ) and his answer was that they can request the information but he could not guarantee that I will have the information requested. 

Apparently the investigation was very rigorous, but they missed the point that I have transactions in two different countries in the same period of time. On top of that they refuse to give a copy of the investigation or the records showing these fraudulent transaction where my pin was used. I spoke to XXXX ( XXXX 's supervisor, from Arkansas, reference number XXXX ) and the only option they are offering me is to send proof that I was outside United States ; however this will take time and they will remove the money from my account anyways.
Consumer complaint received 2023-04-22
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. (FL)

I am writing to dispute the reporting of child support on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i. 

According to the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 U.S. Code 1681e ( b ) ). I believe that the child support reporting on my credit report is inaccurate and in violation of this provision.

Furthermore, under 15 U.S. Code 1681i, when a consumer disputes the accuracy of the information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. I am requesting that you investigate the accuracy of the child support reporting on my credit report in accordance with this provision. 

I have attached documentation that shows that the child support reporting on my credit report is inaccurate. I request that you promptly investigate this matter and correct any errors or inaccuracies that you find. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit score has always been XXXX - XXXX. Trans Union recently dropped it to XXXX saying I have a delinquent account with XXXX XXXX. I filed a dispute with Trans Union through XXXX XXXX notifying them that this was an extension of the lease for another 6 months not a delinquent account. They responded that I was correct, however they never corrected my score, and when I called to follow up they implied that I do not have a paid credit motoring service and that XXXX XXXX is free and they can not help me. If I paid for a subscription they would help me. 

I believe this is extortion, and I should not have to pay for their mistakes. 

I would like to understand why I do not have a perfect score of XXXX? Since I have never paid anything late and I hardly have any debt. My credit is XXXX, and I believe it's low only because I am not paying for a premium subscription. 

I would appreciate this getting handled and resolved immediately. 

Thank you
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

At the time I leased the car, I took out two insurance policies offered by Toyota Financing through the dealer XXXX XXXX. One was for maintenance and the other was titled " XXXX XXXX '' which was supposed to cover things like windshield chips, dirty carpets, dents in the car etc. Two weeks before the car was supposed to be turned in ( XX/XX/XXXX ), I went to the dealer to see what was covered by the insurance and what wasn't. They had me come back the following week ( XX/XX/XXXX ) to see " the guy '' an outside contractor, to inspect it. He read the insurance coverage and said I was good to go. I turned the car in the following week, XX/XX/XXXX. No I am getting calls from Toyota Financial saying that I owe {$850.00} for excessive wear and tear. I asked what it meant and they couldn't tell me. I went to the dealer and showed them my policy and asked them what it meant and they said " excessive wear and tear ''. No further explanation. I went to the XXXX site and the " excessive Wear and Tear Policy '' The only damage to the car was a chip in the windshield and a minor ding in the back bumper. These were pointed out to the " guy '' who looked at the policy and said it was " good to go ''. 
Additionally, they never honored the maintenance policy saying every time I went that the service being done " wasn't covered ''.
Consumer complaint received 2017-12-22
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: EQUIFAX, INC. (NC)

I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - Equifax and XXXX be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2023-04-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX Portfolio Recovery Associates and account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These accounts have another name on them and a different address which Ive never lived out of California. These items must be DELETED immediately and a rapid re-score is requested.
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NY)

Date : XX/XX/XXXX Amount : {$5000.00}, Action : I did an ACH transfer from XXXX XXXX  ( Checking account ) to my Robinhood account. This was initially requested from my Robinhood App. XXXX XXXX  processed the wire but got rejected by Robinhood on XX/XX/XXXX. 

I was expecting the transfer to bounce back to my XXXX XXXX  account, but that didn't happen. Therefore, over a week later, I contacted both their customer supports. 
XXXX XXXX  said that I need to file a dispute in order to have them further investigate. Robinhood told me they don't see the transfer and asked me to upload the screenshot of the message saying the transfer got rejected so that they can further look into this. 

Over a week later, XXXX XXXX  came back saying that they can't do anything since they don't see anything wrong. 
Robinhood never responded, I attempted to reach out to them multiple times through their XXXX support and no one has responded for over XXXX days. 

At this point I feel extremely frustrated as I still do not know which party holds the {$5000.00} and when I'll get back the cash. 

Best, XXXX
Consumer complaint received 2024-04-11
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)

TO WHOM IT MAY CONCERN, I AM A VITIM OF ID THEFT, I DID NOT MAKE OR AUTHORIZE THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On I received a letter dated XX/XX/2024 from Portfolio Recovery over a month after the letter I wrote to them asking them to : 1 ) verify the debt they claim I owed them of the 3 accounts they reported on my credit report, 2 ) prove that they own this debt, because I have never done business with them, 3 ) disclose the amount they purchased the 3 accounts for, and 4 ) if they can not then please close the collections and remove them from my credit report.

They sent me copies of a one ( 1 ) debt that is not from them, and an amount that is not what they are reporting on my credit report.
Consumer complaint received 2023-05-16
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

My vehicle was repoed due to delinquent payments I haven't been able to work & during XXXX repping my vehicle my drive shaft, transfer case and front differential transfer were broke during repossession because the key fob wasn't present at the time of them pulling/taking my XXXX XXXX XXXX XXXX XXXX XXXX the differential and transaxle & transfer case all XXXX were broken during repossession that took place at XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. They did not use key fob & damage my suspension underneath my vehicle. Now it's leaking oil through transfer case and axle plue XXXX XXXX XXXX XXXX XXXX XXXX differential. Over $ XXXX in damages & repair needed.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (SD)

On XX/XX/XXXX I loaded my card through XXXX XXXX for the amount of XXXX dollars. I have never received the money from card.com. I have have called both XXXX XXXX and card.com and the issue has not been resolved. I do have a tracking number and verification that the money has been received to card.com from XXXX XXXX, they still will not refund or explain where my money is. They continue to tell me in 48 hours I will have a resolution and it's been sent to escalations but absolutely no follow ups and my money is still missing. I just want my money back.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (CO)

Complaint : Bank to bank transfer On XX/XX/2023 at XXXX wellsfargo all. 
I'm trying transfer money from savings. Limit XXXX I did want XXXX instead. Wellsfargo restricted me. 

Please view video so Wellsfargo is aware. The issue. 

The goal to have XXXX in my XXXX  account.