davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

Received letter in mail from Chase on XX/XX/2023 stating that I need to confirm for a credit card application that I never applied for. Someone had used my name, birthday, address, and social security number to apply for a credit card. Chase flagged it as suspicious and sent the letter in the mail. I was able to call and inform them it was fraud and that denied and cancelled the application right away.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting to experian and I was never 30 days late on any of those payments around that time. I spoke with someone at XXXX and made sure all my payments were good and they confirmed.
Consumer complaint received 2024-03-06
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. (CA)

This account was charged off on the following date XX/XX/2023. Since then the account has repeatly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Consumer complaint received 2024-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2023-05-02
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: Bread Financial Holdings, Inc. (MI)

I Disputed this with XXXX and XXXX explaining this fraud and not my account It was removed now it came back on my credit report. I don't have any bill 's or knowledge of this account it's from Comenity Bank XXXXCompany name Avenue balances amount XXXX. I use to have a Avenue account with Avenue for 10 year 's it close in 2020 balances ending {$450.00}
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX I sent check # XXXX for the amount of {$1800.00} to Wells Fargo Bank to pay off loan on a vehicle traded in to my auto dealership. The check cleared my account on XX/XX/XXXX. Letter and bill of sale were sent with the check as per Wels Fargo instructions. Numerous calls and still no title. The Office of president title team told me they have 6 weeks to process and mail it out. I legally have 10 days to produce a title. How can the bank be allowed to hold a title that long? Even if this is true it has been much longer. We have even faxed over bill of sale 2 more times after phone conversations on XX/XX/XXXX and XX/XX/XXXX. 1st # we were calling was XXXX. Last one was Office of the President XXXX. I do not have the customers loan # and Wells Fargo states they can't give it to me. The customer information is on bill of sale and letter attached to this complaint.
Consumer complaint received 2024-03-06
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX from a Bankruptcy XXXX XXXXXXXX on XX/XX/2015, has violated my rights. 

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

15 U.S.C 1681eb : they are supposed to ensure this 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 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 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under. 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In the accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian has left an account on my credit that has been dismissed in a class action law suit recently ruled in favor of the XXXX. I am demanding this account be removed ASAP permanently per the court 's ruling in the final settlement. See all attached.
Consumer complaint received 2023-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwestern Health Management INC (MO)

northwest financial called me stating I owed over {$7000.00}. I asked for what and to who, was told they didn't have that information. then asked how I was going to take care of it. asked my wife to call and see if she could find out what it was and they told her it was an account that was on a previous name of hers and stautes of limitations was up on it, but when I asked they just said I recieved a letter on it and I owed it. 1. it's not my debt 2 staute of limitations was up and they try to deceive me into admit I owed it.3. should of never called me. I don't remember excatefate, but I do know they I was in a drive though line. there is supposed to be a recording of the call that needs reviewed. I have also been told I owe other accounts, but have had to get my A.G to get a list of those and still don't have the amounts that I supposedly owe after asking though my AG multiple times. just was told it was other account with no amounts. how many other people have they done this to?
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Mr. Cooper is refusing to share terms of a modification agreement with me. I want to know how much equity I have and how much equity I'll get to keep. I'm being told that that information will be made available to me after they accept payments during my trial period, which doesn't end until XX/XX/XXXX. My understanding is that I get all information before I have to accept anything. That's true of ANY financial transaction. BOTH parties get to agree to the terms, and Mr. Cooper is withholding the terms.
Consumer complaint received 2024-03-06
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Sold a car, deposited the check via mobile deposit on XXXX, the check was for {$900.00}. The check was held til XX/XX/23. 

The check has cleared but capital one has frozen my account.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Louisiana Recovery Services Inc. (TX)

I noticed that the mentioned collection agency was on my credit report. according to the u.s code 1618 the agency must provide, 1 a verification of debt and 2 a right to dispute. the agency must also submit to me in writing a notice of intent to report 30 days prior to reporting my personal information to any of the consumer reporting agencies. I have had no contact from the collection agency to verify debt ot to dispute the account. I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was broken in regard to my personal information .U.S XXXX Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

My Barclaycardus credit card ( XXXX XXXX ) informed me in XX/XX/XXXX that my minimum payment was {$29.00} on the XX/XX/XXXX statement. Because I was strapped for cash I ordered my bank to make monthly payments of {$29.00} to keep this credit card paid up until I could pay it off. 

Today I logged into my account to increase the payments to pay it off as I have the cash now. I see that each month they have added a {$40.00} late fee to my account even though I paid the minimum amount they informed me on my bill in XXXX by the due date each month since then. 

Today I called them and talked to manager XXXX. I asked for the {$40.00} late fees to be removed off my bills. She told me that the {$29.00} was not the correct minimum payment ( even though it appeared on my XXXX bill ) because it did not include additional fees. She also told me that the interest rate was 29 %. 

I want these fees refunded. I also question whether your agency is going its job to allow a 29 % interest rate on credit cards. 

Please respond to my complaint. 

Thanks, XXXX XXXX
Consumer complaint received 2023-05-26
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: Affirm Holdings, Inc (NJ)

I received a 30 day late for the month of XXXX from XXXX credit Reporting from a company called Affirm. I received a Deferral on XX/XX/2023 from affirm allowing me to skip a payment.I have proof via email. After Affirm approved the Deferral, The company put a 30 day Late on my credit report. XXXX states they investigate it, and outcome remains. Affirm agree that I was not 30 days late and they did approve the Deferral in XXXX. Affirm also states I was 21 days late in XXXX, not 30
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I live in XXXX, but my permanent address is my parents house in XXXX. My parents received a debit card in the mail in my name from Bank Of America and informed me of such. I have never opened a Bank of America account in my life. I believe this account was fraudulently opened in my name, using some piece of my vital information. I do not know how Bank of America allowed this to happen without me being present in a branch with physical proof of my photo ID, passport, social security card, or birth certificate.
Consumer complaint received 2024-03-06
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. (FL)

I appreciate the effort made to remove certain items from my file believed to stem from alleged fraudulent activity. However, there remain items that require removal. Pursuant to FCRA Section 605, you are mandated to expunge any items listed on an FTC Report, numbered # XXXX. I have previously provided these items in both the report and the preceding letter, and I am resubmitting them here alongside the new FTC Report, numbered # XXXX. I have apprised my legal representative of my intentions, and they are prepared to take appropriate action should you fail to comply willfully. Below are the remaining items for removal, categorized by bureau : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please be advised that you have four business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to E-OSCAR or any automated verification methods.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Ars Account Resolution using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Consumer complaint received 2024-03-06
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX  is reporting Inaccurate last payment dates. Experian is reporting my last payment date as XXXX XXXX. XXXX has no last payment date at all. XXXX has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-23
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. (NV)

n accordance with the Fair Credit Reporting act XXXX Account # 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 Experian XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX