davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

iN MID XXXX XXXX  GOT CALL AT HOME FROM wELLS FARGO COLLECTIONS TELLING ME I AM 2 MOTHS BED=HIND OWE {$140.00} i THOUGHT WAS PRANK tURNED IUT wELLS fARGO CHAGED ME CREDIT CARD FROM PAPAER TO GIGITAL WITHOUT MY PERMISSIOMN ANS NO NOTICE, wf THEN WENT ON AND REPRUED ME LATE A ND BEHIND PAYMENTD TO XXXX. mY CREDIT SORE WAS XXXX XXXX AN D WF MADE SCORE XXXX CANT GET CREDIT AND PAYING HIGH INTEREST WF SENDS ME OFFERS XXXX INTETREST CREDUT AND REFUSES YO FU=IX THIS AND IGNORES MY CALLE=S
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. (VA)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (TX)

Juno, a financial technology company which acts like an online bank has been holding my funds of {$17000.00} for past more than a month and I don't have access to funds and is not letting me withdraw my direct deposits to my account. Juno has partnered with XXXX XXXX XXXX and XXXXXX/XX/XXXX and XXXX. Because XXXX XXXX has filed for bankruptcy and has stopped providing access to data to XX/XX/XXXX andXX/XX/XXXX in turn has stopped processing deposits and withdrawals. 

This has impacted my livelihood as I rely on my direct deposits and they have been holding on my cash balance of {$17000.00} which I use to pay bills and mortgage payments. I request you please help me get access to my hard earned funds from this company so I can withdraw and move it to another stable and trustworthy bantk and use them for making required payments. Thanks
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: ENCORE CAPITAL GROUP INC. (CA)

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
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: Experian Information Solutions Inc. (TX)

XXXX, XXXX and Experian have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXXXXXX XXXX XXXX history of XXXX years, XXXX  months
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 


CALIFORNIA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance {$840.00}
Consumer complaint received 2017-03-30
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CT)

In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday
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. (PA)

Until now, I received NO resolution from Transunion, XXXX and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed
Consumer complaint received 2024-06-07
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)

Based on the records within the CFPB portal and dispute letters with Transunion, I've been disputing several negative items on credit report that are not mine. I've produced Fraud Reports, XXXX Data Breach documents, and several other supporting documentations proving the account ( s ) are not mine. Still till this day, TransUnion refuses to remove the negative items on my credit report stating on my credit report that the items have been " Updated and Verified ''. If expressed to Transunion that I do not agree with their investigation results and will like to see the details on how they investigated each account disputed. I have not heard back from TransUnion since XXXX which has been well over 30 days. 

In addition, the negative items on my report have denied me of credit and denied me of proper housing which has affected my living arrangements to lead me to being homeless. I'm reaching out to the CFPB and several federal agencies for JUSTICE. 

The negative accounts on my report that need to be deleted are : XXXX XXXX  ( XXXX ) {$480.00} XXXX  XXXX ( XXXX ) {$430.00} XXXX  XXXX ( XXXX ) {$800.00} XXXX ( XXXX ) {$110.00} XXXX XXXX ( XXXX ) {$1800.00} XXXX XXXX XXXX  XXXX XXXX ) {$430.00}
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (NV)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

PennyMac is consistently not paying my taxes on time with the City of XXXX. First half of the tax bill was due XX/XX/2018 and I just received a letter in the mail that this has not been paid. The same thing happened to me last fall as well. I currently have a partial tax exemption for my rehabilitated property and it appears that I may lose this because of PennyMac 's inability to monitor my taxes. What is the point of having an escrow account if I'm getting penalized monetarily by the city? I am curious to know what controls they have in place and who their vendor is because this has been an unbelievably frustrating experience for me, to constantly get these letters from the City. Please pay my taxes on time and make sure you are MONITORING for future payments. I refuse to pay inflated taxes because of PennyMac 's deficiencies in their internal processes.
Consumer complaint received 2021-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX - I attempted to purchase a rental vehicle for my trip in XXXX. I was charged {$180.00}. My trip was delayed and we were late in arriving. The company stated they were open until XXXX. Apparently they close at XXXX and our flight arrived at about XXXX. Tried to dispute Im with the company the day after we arrived since they were closed and disputed with Capital one the day of my return. Both have denied my requests for a refund. At first capital one reversed the charge as a courtesy during the review and on XX/XX/2021 a notice was sent that it will be recharged to my account as the dispute was denied. I am not sure as a consumer how I purchase a rental for 4 days and yet the day after my arrival, I am still unable to pick up a vehicle I had paid for.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CA)

Late in the day on XXXX  I received a text from BMO bank my debit card was being used and was it me. I replied no. Then the bank suspended my debit card and was given a phone number and fraud case number. The bank had 6 {$300.00} transactions to XXXX pending on my account. I called first thing XX/XX/XXXX told the bank it was not me and was told it takes 10 business days to validate my claim. Today XX/XX/ I called to get status and was told my first call never existed. XXXX at BMO said no case was ever started and my claim wasn't there. After 60 mins on the phone with her she said she can no longer hear me and if I had any other questions to just call back. After that 60 minutes on the phone I did call back because I still needed to know when will I receive my money back. Next call I spoke with XXXX and after one hour and 12 mins was told it takes up to 90 days to get my money back. I can't believe it takes up to 90 days to receive my money. I have never heard such a thing and I can't wait 90 days to pay bills. They have XXXX of mine.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.
Consumer complaint received 2023-04-16
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. (MD)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 2018-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

I have 2 collections on my report inwhich I have disputed before and never received any documentation to the claims, but in the process I been mentally harassed by the fact. According to FCRA, if the claims do not follow with proof of such then the account should be removed.
Consumer complaint received 2023-04-16
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. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. (NE)

I submitted a complaint again XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am sending you this letter to formally dispute this Collection Account that is still being reported on my credit report. I'm currently in the process of trying to relocate and since it is required for me to pay off this XXXX XXXX with original creditor XXXX for them to approve my application. The account is still listed as a collection on my report although I paid it off. I dont want to keep getting denied. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-10-10
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: MicroBilt / PRBC (formerly CL Verify) (CA)

An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via XXXX XXXX Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*XXXX XXXXXXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Consumer complaint received 2023-11-12
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)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY ()

I signed up for American Express credit card gold XXXX sky miles while the promotion is running. The promotion was that I would receive XXXX delta miles after spending total of 3000 $ within first 3 months. I met the criteria, but I never received those extra points. There is an ongoing investigation since XX/XX/XXXX. The agents keep on telling me that it will be resolved within a few weeks. It still has not been resolved by today, XX/XX/XXXX. On the latest conversation, one of the manager ADMITTED that it can take longer than 2 weeks. They did not offer any compensation in any form for all the inconvenience and time lost. They CAN NOT even guarantee that the issue will be resolved. 

Chat reference number : 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau 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 update the account completely from my credit reports. XXXX XXXX XXXX