davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX - Account Number:XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX  assigned me to synchrony bank approval for a product purchased and returned during in home trial period before expiration of in home trial period in complete excellent condition base and mattress and remote!, this purchase was telephonically made in error and mis represented product to a consumer who suffers from service connected veteran injuries XXXX in nature!, XXXXXXXX XXXX corporation XXXX  MN, XXXX, is sticking me the consumer with a XXXX XXXX dollar restocking fee for a base unit that's only interchangeable with their brand mattress!, that seniors were not properly informed that base unit sale is final!, so my synchrony account will have a debt that is not warranted to this consumer!, this fees should be waived in full!, full credit should be returned immediately, XXXX XXXX commercials are misleading in nature their products have different models with different features and varied price categories that were poorly explained by telephone representatives!,
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

A XXXX past-due notice was added by Wells Fargo to the record of my XXXXXXXX XXXX XXXXXXXX account on my credit reports in XX/XX/2023. 

I was legitimately late but on XX/XX/2023, I went to XXXX for almost 6 months. Before leaving, I made a {$10.00} charge on my Choice card to ensure the account stayed active. A few months prior, the issuing bank for this card had changed from XXXX to Wells Fargo. I have autopay set up for all my accounts but I neglected to activate autopay on XX/XX/XXXX for this account, the earliest I could do this after the issuing bank switched to Wells Fargo. In the flurry of getting ready for this long trip, I simply forgot. 

All the postal mail notices that were sent to me went unread since I wasnt home. It was only after I returned home on XX/XX/2023 that I discovered Wells Fargo had waived the {$10.00} charge, closed the account, and lodged an adverse notice with the credit agencies. 

I have been a Wells Fargo customer for well over a decade, have over {$300000.00} invested with them ( {$320000.00} as of today 's close ), and am a XXXX account holder. Wells Fargo should have been very well aware that I was able to pay the {$10.00} account balance. Furthermore, my Wells Fargo XXXX XXXX, XXXX XXXX ( XXXX ID XXXX ), knew I was out of town all summer. Prior to this incident, I had never had a late notice attached to my credit reports. 

I contend that this is an unreasonable reporting pretext. I requested that Wells Fargo excuse this, which was so obviously an oversight, and remove the XXXX late notice from my credit reports. Wells Fargo has refused to remove the late notice.
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX. The lender was Capital One Auto Finance. When we picked up the vehicle after paying all the outstanding fees we noticed it didn't have power steering. We filled out a notice of damage form from the vehicle storage where the vehicle was stored after the repo. 
We had it looked at by XXXX XXXX XXXX and provided a estimate to repair the damages. We contacted Capital One Auto Finance and submitted the claim. They denied the claim stating we submitted the claim too late and there is nothing they will do. The vehicle is worth XXXX and the damages were estimated at XXXX. In addition they reported the loan as charged off on me and my wife 's credit reports.
Consumer complaint received 2023-05-04
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. (TX)

I am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22, I was scammed by the XXXX XXXX scam in the amount of {$24000.00}. I had a cap of {$300.00} on my checking account and should have been notified by Chase Bank. Just prior to this happening, there were 2 unauthorized small debits from my checking account and the bank emailed me about those at the time of occurrence. My checking and savings accounts were hacked. In order to get the {$24000.00}, someone made an unauthorized withdrawal ( there was a handwritten bank slip but I didn't sign it ). The first time, the scammer tried to get the money wired, the bank rejected it. So the scammers or the bank employee did that unauthorized withdrawal from my savings account and deposited it in my checking account. The scammers then tried again and succeeded the 2nd time. I am XXXX and a senior.
Consumer complaint received 2023-12-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

A landlord who was never my landlord was running a scam business. I fell for the scam and paid an application fee via credit card. The landlord then broke multiple laws and I backed out before ever signing a lease. I tried to resolve it but they ghosted me, I eventually charged it back as fraud because the company did engage in fraud. Theyve since added on false amounts of money and fees never agreed to and sent it to various debt collectors, all have immediately dropped it when I told them what was going on except Columbia debt recovery. I was told they would drop it if submitted proof. So I did and asked for verification of debt. They ignored my proof, didnt address it at all and didnt drop it. Their debt verification also lacked things required by law and literally proved I didnt owe what they were asking for. On top of this theyve made half a dozen false statement. Tacked on illegal interest fees, never sent an actual letter, and so on and so on. I eventually demanded payment for there violations of the FDCPA and they have ghosted me and reported my account to credit bearues while still under dispute and without ever properly verifying the debt. Not to mention its literally a fraudulent debt to begin with.
Consumer complaint received 2023-09-29
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. (GA)

I had no idea XXXX cell phone account through xfinity/comcast that was opened in my name in XXXX of 2022. I've have phone service through tmobile for several years. I found out about the fraudulent account by logging into my xfinity account to pay my cable bill XXXX day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had no idea I cell phone account through XXXX that was opened in my name in XXXX of XXXX. I've have phone service through XXXX  for several years. I found out about the fraudulent account by logging into my XXXX  account to pay my cable bill one day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXXXXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (GA)

XX/XX/2023 I pulled my credit report and saw that Experian was reporting a collection from XXXX without my consent and violating. 

XX/XX/2023 I mailed my letter to Experian requiring them to provide validation that this is my debt. 

XX/XX/XXXX Marked 30 days for them to review and address the situation. They have not validated or provided any dispute results. 

Pursuant to Fair Credit Billing Act 15 USC 1666 Experian can not report negative information about me until the investigation is complete.
Consumer complaint received 2023-09-29
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. (GA)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. You stated the accounts above were investigated and came back 100 % verified. What was the investigation process that was used to verify these accounts were both 100 % accurate?
Consumer complaint received 2023-09-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I did not open any bank account with Bank of America. However, I received a statement from them saying that I have a checking account with them. I contact the bank several times but their customer service wait time is long and when an agent picked up, he hung up on me or the connection was lost. I am not sure. I went to the bank to report that I never opened the account and that there must be an ID theft. They still sending me statement and charge me the maintenance fee. They also sent me a letter require me to give them my ID and social security #. I have no business with them and I dont want to give them my information. Why didnt they require those information when they open the XXXX account but require that when I want to close the account? Stupid bank. I dealt with other bank for the same issue, and they resolved it in seconds.
Consumer complaint received 2022-12-13
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: Nelnet, Inc. (NJ)

I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX  days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX  days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

An account with XXXX XXXX is reporting on inaccurately with XXXX, XXXX and Experian. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, XXXX is not reporting a payment history ; Experian is reporting a repossession and XXXX is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield XX/XX/2022 XXXX : {$1000.00} I looked at my credit report and noticed companies that I did not do business with or authorize any debt under my name. I also did not authorize any transmittal of my information to these companies. I do not know these companies these are fraudulent accounts. 


Sincerely, To Whom It May Concern
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION (MD)

First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once XXXX XXXX
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX contacted me in regards to a debt. I have no knowledge of who this company is and why they have my private information. But the representative that called, gave me anxiety from just answering an unidentifiable number calling my phone and feeling that because I wanted more information regarding this debt was a crime. All I wanted to do was exercise my rights in good faith, but XXXX XXXX XXXX doesn't seem trustworthy.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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.
Consumer complaint received 2023-09-29
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. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MO)

I received multiple invitations, both through email and physical mail from Citi bank to open an accelerated savings account to earn XXXX $ bonuses after meeting certain requirements. 

Right after I opened the savings account in XXXX, I called the bank to ensure and got confirmed I am eligible for the promotion/bonuses advertised. 

When I didnt receive the bonus in XXXX after meeting the requirements, I called Citi bank XXXX After looking into it, they say I should receive the bonus on XX/XX/XXXX. 

However after I checked and called again in XXXX, Citi said I dont have a promotion attached to my account. However, I applied the account through the link sent to my email. I also called several times to ensure I am eligible for the promotion. I put large amounts of deposits idling in the account just to ensure I am meeting the requirements to receive bonuses. I have done all the right thing I can possibly do, and Citi bank refuse to honor the offer. 

The invitation code I received in my email is as listed. 
Invitation Code : XXXX