davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I spoke with Chase bank fraud department today, XX/XX/XXXX, to tell them about fraudulent use of my checking account to pay an XXXX bill which is not mine and was not authorized to be paid with my account. I gave them dates and amounts. XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XXXX for XXXX and XX/XX/XXXX for XXXX. I asked that i get the money bank for these fraudulent withdrawals. I was told to call XXXX who would not help since I did not know the thefts name and address on the account. XXXX did admit that my bank account was paying the thief 's bill.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with fair Credit Reporting act XXXX XXXX accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TN)

This is my fourth attempt to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block any items in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XX/XX/2013, XXXXXXXX XXXX XXXX, TNXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2300.00}, XXXX XXXXXXXX XXXXBalance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX holds a personal account at Capital One. 

I was approved for a 1st and 2nd draw of XXXX and my loans were deposited by my lendor XXXX XXXX into my Capitol One Bank account XXXX account number : XXXX ) on XX/XX/XXXX and XX/XX/XXXX respectively. Capital One has told me that XXXX requires a business account in order to access my XXXX funds. However, as an independent contractor, I have the right to receive XXXX and do so in my personal bank account.. On XX/XX/XXXX Capitol One requested I send my XXXX Tax Returns and a bank statement showing tax refund deposit, which I did and then on the following day, I confirmed Capitol One had received these documents. I was told to wait until the investigation was over and then received a letter on XX/XX/XXXX that my account had been closed. After calling Capitol One I was told my funds were sent back to my lender, XXXX XXXX. XXXX XXXX XXXX  has no record of the funds being returned. 

On XX/XX/XXXX I returned to XXXX XXXX  with the attached letter and supporting documentation showing that I can receive these funds in my account and Capitol one refused to receive my documents and once again informed me that they no longer had my funds but could not give a date for when the funds would be delivered to XXXX XXXX. 



Thank you
Consumer complaint received 2023-04-22
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have one address all my life and that address is XXXX XXXX  XXXX XXXX XXXX Florida zip code XXXX if their is any other address associated with my name it is false and needs to be removed from my credit report I believe this to be fraudulent information that is hurting my credit score
Consumer complaint received 2023-06-06
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. (FL)

I sent a letter for you to notify to remove those items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be deleted : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX & XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX  XXXX Balance : $ XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/2022 I received five emails from Bank of America to my old email address ( with my previous name ). I do not own a Bank of America account. I have never used Bank of America. 

The emails are basically as follows and were received within seven minutes total. 
1 ) Verify your email address ( they used an old email address and used my old name ) 2 ) Online Application is in Progress 3 ) Application was Approved 4 ) Welcome to Online Mobile and Banking 5 ) Email Address was updated All emails were forwarded to XXXX XXXX  XXXX When I attempted to call, bank of america would not allow me speak to any representatives because I don't have an account there ( which, duh, I'm calling to say someone opened an account without my knowledge! so of course I don't have the account information! )
Consumer complaint received 2022-11-02
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. (NJ)

Experian has willfully failed to comply and block the reporting of the items i identified as a result of identity theft. Congress states they have FOUR ( 4 ) business days to do block and delete information as I provided everything needed to do so. CFPB Complaint # XXXX as reference.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AAA Auto Title Loans, LLC (TX)

I was paying this loan back and had to relocate and fell on a hardship and was trying to work out some arrangements with them and they kept coming back with a monthly amount owed that kept increasing. They demanded that I pay them what they needed which was not affordable to me. Since then, the original balance i borrowed has increased from {$7800.00} to {$18000.00}. They said if i would pay them, they would reduce the actual amount owed back down by over {$10000.00}. This company has completely not be willing to work with me and so I was unable to deal with them any longer and the talks broke down.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX in XXXX of 2022 I reached out to Experian to remove inaccurate information on my consumer report. Instead of my consumer report being processed in accordance with federal law Experian elected to follow whatever procedure they have come up within their own institution, which is the reason I have had my information compromised as a consumer in their data breaches willful negligence and disregard of the law.
Consumer complaint received 2023-08-14
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-11-02
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Contacted Experian on XX/XX/2018 at XXXX XXXX  eastern time Initial call was transfer over to foreign representative in which I requested for a American representative, but then transfer over to several foreign representative 's requested four times to speak with American representative., after several attempts I was then transfer over to American Representative, named XXXX out of the Arkansas call center, XXXX refuses to transfer over to her Supervisor after she informed me that Experian does not nor obligated to inform the consumer of the results of the disputes additionally XXXX refuses give me the response date of the creditor. Experian is not in compliance of the fair credit reporting act action resulting not informing of the results after filing disputes, no response after sixty days, hung the phone up on me after asking for response date, here are the intems in which I have disputed 1. bankruptcies, 2. XXXX XXXX, 3.XXXX XXXX, 4 XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

I lost my wallet a couple times with my information in there Driver license Social Security and credit card someone use my information and going to the XXXX XXXX XXXX XXXX XXXX now my name is in collection for {$8900.00}
Consumer complaint received 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc. (WI)

Servion keeps making payments to home insurance companies ( out of my escrow ) that I am not doing business with. Last year, the same thing happened. I go out and get quotes, next thing I know, I get notices in the mail that Servion has sent out a bunch of money from my escrow. I did not approve this change in insurance or tell Servion that I was changing insurance companies. This is a big problem because It takes FOREVER to even get someone on the phone to get corrected. I have been on the phone with Servion for 2 hours tonight and no one can get this straightened out.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX   XXXX    XXXX  > I have never paid late this account, insurance paid late
Consumer complaint received 2022-11-02
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-14
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. (NY)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX XXXX used high pressure sales to encourage myself, a young student, to take out maximum loan amounts. The recruiter, before I was a student, had me print my mom 's name on the first school contract, tying us into a financial contract with them. They guaranteed job placement and that the school was accredited. Non of which are true. The school was fraudulent in many ways, not just with the high pressure sales and lack of accreditation. They have since been closed down. I was a student there from XXXX XXXX XXXX I have been paying on these private loans and still owe more than my original loan amounts. 

Originally the loans were through Sallie Mae, then Navient bought them, now XXXX owns them
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

Well FARGO -- LATE PAYMENT REPORTED dating back further than XXXX years XXXX XXXX -- -Late payments reported dating back further than XXXX years XXXX XXXX -- Late payments reported dating back further than XXXX years reported to XXXX XXXX and XXXX to correct -- deletion of late payment history
Consumer complaint received 2018-12-12
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. (NY)

XXXX / XXXX  / Equifax / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application.

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have XXXX accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This has greatly caused financial problems for me and my family. I am requesting to have these negative items removed from my credit report, because their action is in violation of the law.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Just received a capital one venture card a week ago, promotion was spend {$5000.00} within 3 months and receive miles bonus. I made this card my primary card for all the purchases. Out of {$15000.00} limit {$1200.00} was used within a week ( due to XXXX shopping mostly ). Today got an email that they closed my account because I did not meet their spending expectations. No other reasons, no details. Nothing. I have an excellent credit score, own a house, have a well paid job. Never had an experience like this.