davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

I noticed that my monthly credit card statements from Chase Bank still print my full credit card number where as all other banks and businesses only print the last four or five digits to prevent identity fraud as required by the " Fair and Accurate Credit Transactions Act ''. 

I talked to Chase customer service, they told me they can not do anything because it has been Chase policy and assured me that my accounts are safe. 

I checked my statements from other banks. They truncate the number to last four or five digits. 

Please have Chase senior management revisit their policy because their practice goes against the spirit of the Fair and Accurate Credit Transactions Act and unnecessarily opens me up to Identity fraud. 

Thanks.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Happy Friday, I checked my credit recently and I still see XXXX on my credit. I have disputed this information as fraudulent I have also submitted the information for XXXX, XXXX AND TRANSUNION to verify this information ... They have not sent me correct information that is verifiable. I 've complained filed disputes its still listed.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (GA)

Credit companies have for years refused to correct my personal information. XXXX has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after 30 days. 

I see that Charges offs are being added to my reports after paying the original companies, All three Agencies see ( after I have called them ) this and have done nothing to remove this, again all three. 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and XXXX inquiries should not be anywhere on my XXXX or more reports.
Consumer complaint received 2023-05-29
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. (MA)

My name is XXXX 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 reports no consent is fraud.
Consumer complaint received 2020-12-18
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. (KY)

This company has cashed a check in regards to this alleged debt owed, and now refused to adhere to the terms that the check was provided under. The check # XXXX, dated XXXX states Acct # XXXX Negotiation of tender settles and deletes debt from credit bureaus. However, this company has cashed the check, and now fraudulently refuse to adhere to the provided terms. The account balance has been updated and they now refuse to delete the account from the bureaus, as agreed upon once the check was cashed snd funds transferred from my account to their company. Due to Covid, this was my only offer, and they accepted now to renege on terms agreed upon.
Consumer complaint received 2017-04-02
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

One year ago I applied a capital one XXXX, which has one-year membership fee waived. This year I decided to switch it to a non-membership fee card. I called after they already generated the statement with new year 's membership fee. They would switch my card ; however, they do n't grant prorated fee about the membership fee, which I feel it 's unfair. As far as I know, other cards such XXXX doed prorated fee.
Consumer complaint received 2020-12-18
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. (TX)

I have submitted several disputes starting back in XXXX with the credit bureaus for an account on my credit reports. The account is with XXXX XXXX. The issue that I am having is that the account is reporting inaccurately on my credit reports. When I first started monitoring my credit in XXXX I noticed that the account was reported as a collection/chargeoff on my XXXX and Experian credit reports and Late 120 days on XXXX. When I looked at the payment history while Experian was reporting the account as a collection/chargeoff, XXXX was reporting it as 120 days late and OK at the same time. I disputed these inaccuracies and asked that the account be removed from my credit reports. The dispute results came back that the account was verified as accurate. When I checked my credit reports in XXXX the status of XXXX was changed from a collection/chargeoff to late 120 days and the payment history for XXXX was changed to OK at the same time that Experian was reporting as a collection/chargeoff. As I continued to monitor my credit reports, Experian changed the status from collection/chargeoff to Late 180 days. The account has also been continually reaged. I have disputed this account several times including in XXXX and XXXX and each time the account has come back as verified. The inaccuracies have severely affected my credit score and have prevented me from being able to purchase a home.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AFNI INC. (VT)

ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. 

ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MN)

I have been a very long term loyal customer of Hyundai and KIA. I have leased or purchased 7-8 Of their vehicles over the last several years. I have been very happy until now. 
Last month I was a victim of a hit and run accident on the freeway which totaled my leased XXXX XXXX. I was on payment 30 of 36. My payoff on my account shows XXXX for insurance claim. My insurance company paid XXXX which is the XXXX they determined of XXXX deductible. Which means I should get a refund of XXXX. XXXX XXXX. Thats how this works in my world. Instead, I get a call that I owe them another {$500.00}??!! What?? They say its for my deductible. They tell me when a leased vehicle is totaled they dont go by the payoff. They apparently can just come up with whatever number they want. Whatever the Insurance company sends them they can say, YAY! I will keep that!! Well thats absolutely ridiculous. I maybe could understand if I had just bought this car but I made all but 6 of the payments which is reflected in the payoff. If I had bought this vehicle and not totaled it this is the amount I could have purchased it for. Whats the difference? I was expecting I would receive a refund to offset some of the down payment I had to place on my new vehicle. We live in different times right now as far as vehicles go. To just be able to come up with whatever payoff you want if a car is totaled is absolutely ridiculous and should be illegal. If its in soma fine print somewhere nobody Pointed it out or nobody would lease m. Its ridiculous. Why would I want a higher claim against my insurance than what I know I owe on a vehicle. Makes zero sense and this company is taking advantage of insurance companies. 
I sure hope you can help rectify this situation. I sincerely appreciate your time. I can attach my account showing my payoff that was through XX/XX/15. As well as my insurance company documents. The first rep from your company told me that I shouldnt be able to see what the insurance company buyout quote was so she was going to make a ticket with IT. Thats very shady if you ask me. Cars are far more expensive now than they were 2.5 years ago when I bought this vehicle. I cant buy the same vehicle for the same amount of money. My payment on my new vehicle is almost double. 
Thank you for your time!
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : 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 2023-02-01
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. (NE)

Obtained a loan through XXXX XXXX Bank in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my TransUnion credit report but, have not for my other credit bureaus.
Consumer complaint received 2020-12-18
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. (TX)

Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them as soon as possible.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (CO)

Fraudulent applications at Citibank in my name and soc sec #, including a fraudulent address, have not been cleared by Citi at XXXX or at XXXX I submitted an FTC Identity Theft report on this XX/XX/XXXX, no action resulted, and resubmitted to Citibank on XX/XX/XXXX ; Citibank would only delete an entry they say was XX/XX/XXXX but not one they say was XX/XX/XXXX. I can not reach anyone at Citi who will address this issue as it involves a checking account? - I do not know and was never notifed by them of this at any time. Citi is not communicating with me in any way and I can not reach anyone there by phone who can assist. I just resubmitted an FTC report showing Citi fraud started XX/XX/XXXX but do not know if this is going to help
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX - XXXX 2. XXXX - XXXX 3. XXXX XXXX  XXXX - XXXX 4. XXXX - XXXX 5. XXXX XXXX - XXXX 6. XXXX - XXXX 7. XXXX XXXX - XXXX 8. XXXX XXXX - XXXX 9. XXXX XXXX - XXXX
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ATG Credit, LLC (IL)

My complaint is againt XXXX. They were supposed to remove negative credit information off of my report although I faxed proof showing I paid the debt. I also faxed my social security card and drivers license like they told me too, but they said they never received it. They said it took 5 days for them to receive the items but done some reason my docs never reached them although I received confirmation from my fax machine. 

In addition, they said there is no way to contact anyone on the " back room '' to see if my fax was received because the manager doesn't have anyone to contact. He also told me he could not give me his supervisors information. 

Lastly, they lied and told me they could remove the negative charge in 7 days after they receive my documentation. Now they are telling me its 30 days. 

1 ) XXXX  misplaced my private identification documents 2 ) XXXX  lied about expediting the removal of negative credit information 3 ) XXXX  gave me the run around when I tried to get this taken care of
Consumer complaint received 2020-12-18
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently submitted a complaint with cfpb reguarding this I am not asking for reinvestigation from Transunion, XXXX or XXXX, only thing that will do is have them send me a letter saying we verified these accounts belonging to me if you verified these accounts as mine then please send me proof or delete off my report due to I have been a victim of identity theft and i sent proof of this to all XXXX Transunion, XXXX and XXXX only for them to respond acconts will remain as we verified these a belonging to you no proof or assistance to show me how.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Prior to the beginning of 2020 I have had an excellent payment history with Capital One. However, due to financial hardship in addition to the pandemic I was not able to make my monthly payments. I must admit that I did not do my part in contacting Capital One in a timely matter. It was an overwhelming time, but I do apologize for my negligence. I have occurred late payments from XXXX, which is negatively effecting my credit report and history.
Consumer complaint received 2020-12-18
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: CITIZENS FINANCIAL GROUP, INC. (PA)

These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo purchased our existing mortgage prior to our decision to refinance. We owed approximately XXXX. We refinanced with another company, XXXX XXXX XXXX, and we closed on XX/XX/2020. On, XX/XX/2020, I received an email from Wells Fargo indicating that we needed to pay our XXXX mortgage and they had assessed a late fee. We spoke with customer service on XX/XX/2020 and they indicated that they had no record of our payoff and we needed to pay our XXXX payment. We then called XXXX XXXX XXXX  and they informed us that they had paid off our mortgage and they supplied us with a copy of the check. They indicated that Wells Fargo had it since XX/XX/XXXX and just had not cashed it. We called Wells Fargo right back and the 2nd customer service representative said that they did have the payout, but that it was short by {$230.00}. Wells Fargo informed the XXXX XXXX XXXX  title company at closing on XX/XX/XXXX that the payout was {$150000.00}. Wells Fargo failed to include the escrow amount in the payout amount when they spoke with the title company. This left our account with a deficit which began to " conveniently '' incur fees without our knowledge. If I had not been proactive and checked on this, Wells Fargo would have continued to charge fees for an account that should have been closed. The account continued to accrue interest for the benefit of Wells Fargo. The XXXX XXXX XXXX  company had their title company wire them the additional money on XX/XX/XXXX and presumably close out the account. Our main concern here is that with Wells Fargo 's questionable behavior in the past, that they are up to this same type of behavior : shorting people 's mortgage accounts and not providing the title company with the correct amount for payout in order for them to leave the account open and collect interest and fees on accounts that should have been closed. We will check on Monday that everything has been paid and that our account has been closed, but we hope that someone will look into Wells Fargo 's new practices.
Consumer complaint received 2024-03-04
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. (FL)

Upon checking on my credit reports, I spotted some unauthorized and fraudulent inquiries that needs reporting and correction through your company. I've never authorized anyone to open these inquiries and I have not initiated any transactions to these companies.