davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (TN)

I told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX  ( Account # XXXX ), and XXXX XXXX ( Account # XXXX XXXX # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 A : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.
Consumer complaint received 2022-10-20
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. (CA)

I submitted a complaint to XXXX, XXXX and Experian denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.
Consumer complaint received 2024-03-10
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: Experian Information Solutions Inc. (MS)

Experian has several fraudulent and unauthorized inquiries on my credit report. Ive made several unsuccessful attempts to get the items removed. The inquiries are : XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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. (IL)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX
Consumer complaint received 2022-10-28
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)

On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. 


On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are XXXX  ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove
Consumer complaint received 2023-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-19
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. (AL)

Reporting Act USC 1681 ( i ) ( a ) ( 1 ) ( A ) Can you reinvestigate the completeness and accuracy of this accounts. 
Accounts Name Account Numbers XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate. ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-11-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Citizens One XXXX XXXX XXXX, RI XXXX RE : Adverse Action Dear Citizens, I, the consumer and natural person, was denied credit by XXXXXXXX XXXX XXXX when I applied for my car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Citizens are in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Citizens If Citizens fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Citizens criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-05-30
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: Spring Oaks Capital, LLC (LA)

I have asked this company to provide any information showing that I ever opened an account with them. All requests have gone unanswered. They are showing I owe them {$880.00} under account number XXXX. I've never done any business with them.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

An unauthorized charge was done on Friday, XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$910.00} was performed at a XXXX XXXX in XXXX, XXXX XXXX, CA. XXXX hours away from him home. 

I called Wells Fargo bank immediately when it happened as it overdrew my account. They stated the chip was inserted and pin used but My wide and I verified we had the card in hand at that moment so that would be impossible unless our card was skimmed and cloned somehow. Also, the fraud claims department was not open until Monday so we were instructed to call back then. 

I called back Monday, XX/XX/XXXX and Wells Fargo XXXX they would provide a provisional credit while investigating. 

There was no follow-up and on XX/XX/XXXX Wells Fargo reversed the provisional credit and said their decision stands because a chip was used and pin and it cant be duplicated. 

This fraudulent charge was not investigated whatsoever and Wells Fargo is not providing the protections for its members i this case where skimmers were able to clone the information and card. 

I filed a complaint and they stated it would take XXXX business days for someone to contact me. 

This is very disturbing as Ive been a long time customer, with several products and place over XXXX in deposits each year. 

The transaction was a one-off charge with no other activity within the vicinity. Wells Fargo needs to do a better job at investigating these matters and communicating progress and decisions with its members. You could tell they were just going through the motions and just because they had some sort of description that stated chip inserted It this is not possible when I had the card in hand. 

I thought Wells Fargo would do better in this situation but pretty much wiped their hands clean of it and put the financial burden on me. 

I want my credit returned as this was an unauthorized fraudulent charge.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TN)

I've sent letters and called disputing inaccuracies on my consumer report back in XXXX and in XXXX ( this year ). I have yet to receive a copy of my credit report reflecting requested changes.
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23, there was an unrecognized XXXX transaction made on my chase account to an unknown individual. Since I was still a minor at that time, it was under mine and my mothers ( XXXX XXXX ) name. We called chase and they spoke to my mother and a claim was filed. On XX/XX/23, I got a notice letter stating that it was authorized therefore a refund couldnt be provided.
Consumer complaint received 2018-04-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

SunWest Loan # XXXX First off my husband is a veteran and we filed for a VA refinance loan. We were told by XXXX XXXX of SW that we would get a 3.75 % loan. All paperwork was going through and each time we saw 4 % on the docs we called XXXX. He said it was just during the process and it would change in the end, after all credit cards were paid. Well it never changed and when we were signing docs we saw that it was a 4 % loan! We were livid! But we had to go through with the loan because we had to pay a personal loan off within 2 weeks. After contacting SW about this issue, all we were told was SW never promised us a 3.75 %. We went back and forth with some robot who kept stating the same thing over and over. This was more upsetting because we informed them that we were trusting what XXXX was telling us and now find out we should not have!! The difference in the loan rates makes our monthly payment hard to handle, we are struggling to get by. 
Back in XX/XX/2018 we got a letter that our Escrow Account was short by {$290.00} and that we could pay it to get that fixed. So we paid it, wrote on the check that it was for the Escrow Account, but I just found out SW applied it to our mortgage therefore the following month they only billed us {$3300.00}. We paid this and now we just received a letter that we sent in a short payment! We paid the statement amount! Then they say this could adversely affect our credit! This is all their error but they are making it seem like it is our fault. We called today and spoke with a XXXX, an account specialist and we asked him for an apology letter stating they were wrong. But he did try to blame us telling us we should have written in the memo section of the check that it was for the Escrow account, and we told him, we did!! SW never wants to apologize for their errors. And the main error of promising us a 3.75 % rate and getting us a 4 % is unimagineable!! We clearly remember that XXXX said if we paid off some credit cards we would get this rate and we did, but we still did not get the rate!!! We feel SW should stand by their promise to get us this 3.75 %!
Consumer complaint received 2023-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I reached out to close the account after making a {$50.00} payment. Then, I was told I had to go to the local branch and close the account. It has been more than 90 days of inactivity, and the balance of the loan was {$0.00}. They sent me a {$50.00} overpayment loan check that is dated XXXX XXXX.
Consumer complaint received 2022-10-28
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. (LA)

In ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal.

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission. 

The account is XXXXXXXX XXXX account # XXXX
Consumer complaint received 2023-11-11
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (OK)

JH Portfolio Debt Equity  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  XXXX  e-mails and letters to the company including the company CEO explaining the debts are not owed.  XXXX   XXXX  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  JH Portfolio  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on   XXXX   XXXX   XXXX     against  JH Portfolio.      The companies response was they would validate the account. JH has failed to provide any type of validation, nor has sent any notice that a debt is owed to JH. JH responded to the complaint on   XXXX   XXXX   XXXX    , and  XXXX  days have now passed without any type of debt validation.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

This company supplied information in the last complaint that clearly showed fraud. How was I in XXXX and XXXX at the same time? Also the first debt shows it was paid by credit card and the account had no balance now all of sudden there is a balance?? Secondly I havent lived in XXXX since 2022 so that application is clearly fraudulent. I dont have to show a police report per the law for XXXX my FTC report will suffice. Im attaching the move out statement you supplied. How can a credit card be an NSF.
Consumer complaint received 2023-09-28
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. (WA)

I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the university XXXX XXXX I know a thing or two about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my XXXX XXXX account appears to have been categorized as a charge-off. However, I have not received any communication or documentation regarding this matter, including a XXXX form for a cancellation of debt. 

I want to sincerely express my gratitude for your attention to this matter and kindly request that you provide me with a XXXX form for the cancellation of debt associated with the aforementioned item. This documentation is crucial for me to accurately address and manage my financial situation, especially in light of the hardships I have faced recently. 

As you may be aware, I have experienced significant financial challenges in recent times, which have made it difficult for me to meet my financial obligations. While I have been actively working to improve my financial standing, the assistance of a XXXX form would greatly support my efforts in addressing this matter and rebuilding my credit for the future. 

I understand the importance of responsibly managing my financial affairs, and receiving the necessary documentation from XXXX XXXX would not only provide clarity but also enable me to take proactive steps towards resolving any outstanding issues. 

Your prompt attention to this request would be immensely appreciated, and I thank you in advance for your understanding and cooperation in this matter. Please do not hesitate to contact me should you require any further information or clarification. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (TX)

This is a follow up to the previous Complaint I recently sent to request the removal of the unauthorized inquiries reporting on my Credit File. Upon reviewing my records, I have come across several inquiries that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I respectfully request that the following inquiries be immediately removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that any unauthorized and unfamiliar inquiries and information are promptly removed from my credit file.