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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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. (FL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The first time I realized there may be some inaccuracies on my credit report was on XX/XX/2023. I contacted the credit bureaus via certified US POSTAL mail tracking # XXXX to let them know about the inaccuracies on my credit report and I would like them investigated and deleted. I checked my compared my credit report from XX/XX/2023 to an up-to-date report nothing has been modified. This is a violation of my federally protected rights and is causing me an enormous amount of stress to where it is affecting my mode of living. Can you please et an update on my credit report and when it will be modified to reflect accuracy across all three of the major credit bureaus?
Consumer complaint received 2023-10-10
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)

I'm so disappointed! Regardless of multiple written requests, the unverified inquiries listed below is still reporting on my credit report in violation of federal law. The XXXX and Experian Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove these inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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: Experian Information Solutions Inc. (NV)

I submitted a dispute for the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

capitol one is damaging.my credit with account # XXXX they are reporting Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/2023. they took me to court in XXXX XXXX Florida and was dismissal. see attachment. sowing {$0.00} balance but them they are reporting. in my credit and balance this is not ok.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

I booked a 3-night hotel stay on XXXX in XXXX, Texas. However, I advised hotel staff upon check-in that I would not be staying beyond the first night due to a death in the family. The hotel advised me to contact XXXX, where I purchased the hotel stay. I did so and was advised by the telephone agent at XXXX that " it's up to the hotel '' as to whether the funds would be returned. I subsequently filed a dispute with Chase Bank, NA, for the unused portion of the hotel stay ( 2 nights - {$160.00} ), including corroborating documentation. Chase Bank, NA advised me XX/XX/year> that they were going to charge my Chase account for that amount and that XXXX informed them in writing that unused hotel nights are non-refundable -- contradictory to what the XXXX agent told me by phone. I spoke with an employee and then a supervisor at Chase Bank on XX/XX/year>, and they confirmed that XXXX XXXX XXXX calls from customers for customer service purposes but that Chase " was not going to go through all of that '' when I requested Chase to obtain a copy of the recorded call I made to XXXX. Now because my financial institution will not take the time to obtain audio recordings of my interaction with XXXX 's agent, I am now being charged for two hotel nights, which I did not use due to a death in the family.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank is refusing to refund any numerous overdraft fees posted to my account due to their lack of discretion on overdraft protection and my refusal to participate in this program in accordance with FDIC regulation. Truist Bank has disclosed to me that they avoid federal regulation by authorizing all transactions and choosing to charge fees on recurring and ACH transactions after the one time purchases and withdrawal amounts have cleared. Truist Bank willing practices harmful, dishonest, and predatory banking.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I had fraudulent transactions on my wells fargo checking account and initiated a dispute for fraud. Wells Fargo said the investigator would call me, and they lied and never did. Instead they closed the dispute. They violated XXXX XXXX, XXXX fraud liability, and nacha. 

They are trying to XXXX me out of {$12000.00}. 

If it cant be resolved here, i will file a lawsuit which would qualify for treble damages for violating 15 U.S.C. 1693a ( 12 ), 15 U.S.C. 1693f ( c ), and 15 U.S.C. 1693g ( b )
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUN LOAN COMPANY INC. (CA)

I have received multiple debt collection calls from the company " Sun Loan '' in XXXX XXXX, Texas. The company is calling to contact me about my sibling, who owes a debt that I have no knowledge of. I don't know what it's for, how much is owed, or why the company is calling me. I have not lived in Texas for close to ten years, as I am in the military. I have personally spoken with a female employee at the company twice, and asked to not be contacted anymore, as I'm not in close contact with the sibling. The employee was polite during all contact with me, but did not respect my request to not be contacted further. I blocked the number after they continued to call me. Today I saw that I could view calls from blocked numbers, and found that they have continued to contact me on nearly a weekly basis about this debt. I am worried that they will just start calling from another number once I haven't responded for a while.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (FL)

Called to find out where to send form for exemption and was given the wrong email address. Had to locate correct email address on my own. 

Submitted Homestead Exemption early in 2023. Received letter stating to wait for an update once document has been worked. 

Resubmitted Homestead Exemption on XX/XX/XXXX. Received the same letter in the mail with no update, before or since. 

Have used mortgage companies messaging system to submit request for update twice. Both requests were closed with no updates or response.
Consumer complaint received 2023-04-26
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

I have already talked to this company four times and I have already disputed this once and they put it back I have already explained that I have never heard of XXXX XXXX that I have only ever lived in California I got my identity stolen about 2 years ago now and that is around the time this cox account was open they keep trying to tell me that there is nothing they can do I do not believe it is fair for me to pay something that was never mine to begin with as well as be told that I am lieing about where I live
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On numerous occasions during the last 2 weeks, I have been unable to sign in to TransUnion or to unfreeze my credit report or to get an online report which are the usual products the website and agency claim you can get. I have recreated a sign in and password several times, used different devices and different times throughout the week. This is adversely affecting my credit score and my ability to get pre-approved for a home loan as the lender has tried to access my accounts more than once ; it stalls the loan process, and suggests a negative credit history, or personal ineptness at using technology. Each inquiry deducts at least 6 points from a credit score. XXXX has similar problems. So not only are they supposed to create an accurate and honest credit history, they also sabotage our access with website problems. Similar issues have happened on previous occasions with all 3 credit agencies but moreso with TransUnion. 
All of these agencies should correct the website problems or remove themselves as a credit reporting agency. Consumers are basically held XXXX and prevented from getting their own personal information. Although I can get a written credit report, I am once again at their mercy timewise where reports can be delayed by unresponsiveness or mail services. I couldn't even correct an address error because the only choice is " I never lived there '' so you can't fix issues like Road , Avenue , Street, etc- these are significant issues when the town I lived in had an XXXX COURT ( my address ), XXXX XXXX and XXXX XXXX all in the same community. Packages were always misdelivered and there was a lot of delivery theft.
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

back in XX/XX/2023 I disputed an account that popped up on my credit file after I went to tmobile to activate a phone number. I called XXXX to ask why were they now adding it on my credit file when it has been 3 years since I left the company and I have yet to receive any documents from them. The collection agency name is XXXX. XXXX XXXX. 

Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is ABSOLUTE RESOLUTIONS Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX XXXX  Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX  Trans Union Corp.XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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. 

Account name : 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 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 2023-10-10
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. (CA)

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. Account name : XXXX XXXX XXXX, ( Closed Account ) XXXX. Account name : XXXX, XXXX Closed Account ) XXXXAccount name : XXXX XXXX, ( Hard Inquiry ) 4.Account name : XXXX XXXX ( Hard Inquiry ) XXXX name : XXXX XXXX, ( Hard Inquiry ) 6.Account name : XXXX  XXXX XXXX, ( Hard Inquiry ) 7.Account name : XXXX XXXX XXXX, ( Hard Inquiry ) 8.Account name : XXXX, ( Hard Inquiry ) 9.Account name : XXXX XXXX, ( collection ) 10.Account name : XXXX XXXX XXXX ( collection ) 11.Account name : XXXX  XXXX XXXX collection ) 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 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.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.
Consumer complaint received 2021-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diaz & Associates, Inc. (TX)

DIAZ & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. XXXX XXXX XXXX XXXX  was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.