davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (NY)

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$180.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Was offered an introductory offer on the capital one app. After getting approved the introductory offer of 8 months interest free wasnt applied/or it was revoked. After calling capital one and attempting to gain more information I was told it was a secondary part of the application process that I didnt actually get approved for. I believe this to be false advertisement and misleading representation of good or services. I believe this as an attempt to gain new accounts without providing benefits for those said accounts. XXXX, the supervisor was very unhelpful and essentially told me I was XXXX. Sold out of luck.
Consumer complaint received 2023-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX had deleted my negative accounts as they see the violations under FCRA. Equifax and XXXX are still posting the negative accounts. I am requesting that Equifax and XXXX remove the negative accounts NOW as XXXX saw the violations and had them removed.
Consumer complaint received 2023-09-07
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2023 at XXXX I talked to XXXX supervisor ID XXXX who advised me the collection that was reported on all three credit bureaus by CCS ( collection company ) will be removed. I made the full payment to XXXX online for the amount of {$400.00} with a debt card ending in XXXX with the confirmation of XXXX and the XXXX account with XXXX. 

The XXXX operator advised me she sent a email to the debt collector advising payment has been made directly to XXXX and to remove it from my credit report. 

My name is XXXX XXXX.
Consumer complaint received 2022-10-25
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing is refusing to disburse funds provided by Insurance company and deposited with SPS Servicing to repair home.

Homeowner has done significant repairs for fire damage at homeowners own funds and some funds disbursed by Select Portfolio Servicing.

SPS servicing is not disbursing additional funds while collecting interest on the monies they hold while homeowner can not occupy property and forced to continue to pay mortgage.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-09-07
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: Experian Information Solutions Inc. (FL)

XXXX has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/2023, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except Experian. As of XXXX, 2023, both Experian and XXXX, reposted the information as updated on my credit file. Experian has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after XXXX days. 
XXXX XXXX, on my call today, they are rereporting because Experian has not given them permission to delete the information.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (VA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Ive submitted a complaint to Equifax commercial disputes on XX/XX/XXXX about them reporting the incorrect business name. Ive emailed daily no response Ive called daily to get out of country people who can not help or answer any questions Ive emailed Equifax commercial disputes they never reply or keep you updated on the process Ive been stressed for weeks over this is in professional I shouldnt have to beg for Equifax to do a job they are being paid for Ive also made orders with vendors that report to Equifax and they have not updated any of this to the report I have four vendors since XX/XX/2022 and not once did any appear on the report Ive confirmed all vendors are reporting the correct information but Equifax hasnt reported My correct business name is XXXX XXXX XXXX XXXX XXXX, XXXX the XXXX fictitious name is XXXX XXXX XXXX XXXX and reflected on the report which is cause info the issue Update my report name to XXXX XXXX XXXX XXXX XXXX, XXXX as reflected on all my vendors XXXX and XXXX XXXX XXXX Equifax do the job your getting paid for
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (NJ)

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 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

Hi, I called Marcus by Goldman Sachs as we have 3 Certificate of Deposit accounts with them, each with approximately {$100000.00}. 

I had called because I wanted to make sure I was added as joint account owner on these CDs with my wife. She had opened them after prior CDs ( where we were joint owners ) had expired and thought she had designated these accounts as joint accounts as well. 

However, the Marcus Customer Service representative, XXXX from XXXX, TX, refused to to do this, and would not tell me why, even though we had prior CDs with Marcus where I was joint account owner. 

I am concerned about this because this means my wife is over the {$250000.00} FDIC insurance limit, which makes me feel unsafe. 

I was also surprised that Marcus and Goldman Sachs REFUSES to be more transparent as to why they can not make this change - the representative only said he can not do this, refused to let me speak to a supervisor, and refused to offer any explanations. 

Therefore I am asking the CFPB to put Goldman Sachs in their place.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Attempted to send a debt validation letter to the company on my credit report, the information they are reporting for their information is inaccurate so I was unable to open a dispute. Letter was returned insufficient address for the company. Because their information reported on my report is incorrect Im uncertain and unclear if the debt they say I owe. This has cause defamation of my character and caused and inconvenience.
Consumer complaint received 2022-10-24
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. (AZ)

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. 

Equifax XXXX XXXX XXXX sent XX/XX/XXXX & XX/XX/XXXX Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/XXXX & XX/XX/XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX ( Late Payment On Closed XXXX & Paid Off Account Only Shows On Equifax Report - Late Payment Forgiveness Letter Sent XX/XX/XXXX, XX/XX/XXXX - Inaccuracy ) XXXX XXXX XXXX ( Late Payments Only Shows On Equifax XXXX XXXX Report - Inaccuracy ) XXXX XXXX XXXX - {$1000.00} XXXX XXXX - {$820.00} XXXX - {$2100.00} XXXX XXXX  - {$3500.00} XXXX XXXX  - {$460.00} 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 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 got approved for a Wells Fargo XXXX Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo Checking Account # XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking Account # XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX and XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault
Consumer complaint received 2022-10-25
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)

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 an account without my written instructions EXPERIAN has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of the bankruptcy of any credit bureau. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted.
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I am the holder of loans currently under the management of the Nelnt student loan servicing company. Upon my application for enrollment in the " Saving on Valuable Education '' plan, I received information that substantially deviates from the guidance provided by the official studentaid.gov resource. My attempts to establish contact with the company via telephone have been obstructed by severely constrained operating hours and excessively protracted wait times, rendering any meaningful engagement with them practically unattainable. 

I kindly request a detailed comparison of the interest subsidy description outlined in the attached screenshot against the corresponding information available on the official website at https : //studentaid.gov/announcements-events/save-plan for the purpose of addressing these discrepancies.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This debt was not owed. 
This is a landlord tenant dispute and needs to go in front of a judge my security deposit was stolen and Im Owed money for repairs. 
This debt was removed from my husbands credit report because its fraud
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (MI)

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 XXXX XXXX XXXX. PORTFOLIO XXXX XXXX, XXXX XXXX XXXX, PORTFOLIO XXXX XXXX, XXXX XXXX XXXX, XXXX U.S.C XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years. XXXX U.S.C XXXX ( a ) ( XXXX ) 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