davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (CA)

Experian credit reporting agency shows on the summary page of my credit report - LATE PAYMENT. However upon meticulously checking each and every account on my Experian, XXXX, and XXXX credit reports there are NO late payments recorded. 

Upon call Experian to notify them of this issue, several Experian representatives agree that they can not find a late payment on any account open or closed. They do not know why it appears in the summary section of my Experian credit report. They do not know how to remove it. 

This is preposterous that a credit reporting agency can not accurately report credit history. 
This information is false, it is damaging for potential creditors to see, and furthermore by Experian 's own admission it is inaccurate. 

Please make Experian to remove this false information from the credit summary on their report of me. I know I am just one individual but this inaccuracy is damaging to obtaining lower interest rates, finding good lenders, and possibly getting approved for loans, credit cards, etc. 

This is unfair practice, please help.
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I am writing to file a formal complaint against Credit Flagship Acceptance regarding the mishandling of my auto loan, breach of our written agreement, and provision of false information. I am seeking your assistance and intervention in addressing the following issues : On XXXX I contacted Credit Flagship Acceptance to inform them that my XXXX  XXXX XXXX XXXX experienced a transmission failure and was no longer operational. During this conversation, a representative named XXXX assured me that a voluntary repossession was being processed to alleviate the burden of having XXXX car payments. I relied on this information and made decisions accordingly. 

However, when I was transferred to another Credit Flagship Acceptance representative to confirm the status of the voluntary repossession, the other representative not only denied the-request but also exhibited rude and unprofessional behavior. This inconsistent and disrespectful treatment is deeply concerning. 

Furthermore, in addition to the false information provided regarding the voluntary repossession, I was promised a full refund for the XXXX insurance I had purchased in XXXX XXXX XXXX.Regrettably, when the refund was processed, I received only a partial amount, with the remainder applied to my car loan without my permission.This violates the terms of our agreement and has created significant financial hardship.
Consumer complaint received 2024-03-05
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. (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I told XXXX XXXX XXXX. XXXX other XXXX reporting age not my debt. I asked for proof by a wet signature of mine. They never sent that. Only a paper stating a discount of the debt. XXXX percent off the debt. I told them this debt was removed by XXXX by dispute. On XXXX credit report. The other XXXX XXXX XXXX XXXX. Have been contacted as well. XXXX and XXXX dont do their job. They are in violation of the FCRA. XXXX XXXX XXXX  has not proven this is my debt. If this debt was removed by XXXX. That is proof I disputed the debt. And the dispute was won by me.
Consumer complaint received 2023-05-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (OH)

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. 

Account name : XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX Account # : XXXX Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX 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.

Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and the above accounts without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have not been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that these accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately
Consumer complaint received 2023-05-26
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. (CO)

This is my several request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (OK)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX- XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XX/XX/2022
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I am a beneficiary of a bank account from my my mothers estate account. I was trying to add a debit card to transfer money to my brother because I have the debit card. He put the account in his name because he lives in New Jersey and I live in Texas I wasnt there when he open the account so he just sent me the debit card so I would have access and he doesnt have a card.. 
I wasnt able to transfer the funds without adding, the bank account number and routing number and it needed to be in my name. I called the bank to get this information because it says suspicious activity when I was adding the card and wouldnt let me transfer the funds so I called to verify everything they told me I needed to have my name on the account to add the card and account information so I deleted the card and that was that nothing was transferred I later found out a week later that they locked my account and closed it due to this and asked me to send a verification of any transfers going into my account. I sent my cash app information and my Square account information showing that its my account and my last three months of transactions, I couldnt provide information on that card that I was trying to add because it wasnt my account but later I eventually sent papers because they were still saying they did. I didnt send all my information to add on. There was only email that I can explain any information to them so it was very hard to explain the situation if I couldnt speak to anyone either way, I finally ended up sending information showing that account information on the account and if information showing that Im beneficiary, although my name is not on that account, my name is beneficiary of the estate along with my brother nothing was suspicious again they kept saying that I transferred money that I didnt prove from an account that I have no idea of because only account money was transferred from was my own and I proved that and those transfers By me, not being able to speak to anyone, I never got this issue resolved, and I never found out what information they were seeking because I could not speak to anyone directly .. all of my bills are not paid for this month including my car on my credit cards insurance, etc. everything is locked in that account and they closed it and said that Im not able to get my money back.
Consumer complaint received 2022-11-28
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: National Credit Systems,Inc. (TX)

I lived at this apartment location I completed out of my lease when I fell on hard times I went through an agency who paid the remaining balance of my lease was 2 months which should have been no more than {$2000.00} the agency informed me that they paid the balance I moved and cleaned the apartment turned in the key few months later I checked my credits report and realize that the same apartment complex XXXX XXXX national credit systems placed a XXXX debt on my credit I have disputed this over and over I've spoken with the apartment complex I've even taken what letter I have from the agency that sent out a check to them and the office claim to have no records of the payment as they says all the old office workers have been fired or quit and they have no records so please help or please give me some advice on what I could do thank you.
Consumer complaint received 2016-08-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Two different times, XXXX different Capital One Bank 360 customer service representatives misled and misinformed me about applying for a Capital One Bank 360 checking account overdraft line of credit. The first took place on XXXX XXXX, 2016, and the second took place, a day later on XXXX XXXX, 2016. I specifically asked both Capital One Bank 360 customer service representatives, on two different occasions, if me having a security freeze on my XXXX credit file would affect/stop Capital One Bank, in any way or form, from receiving my credit score and both times, both different Capital One 360 customer service representatives confirmed with and assured me that the security freeze would n't affect/stop Capital One Bank from receiving my credit score from Equifax. Well now I have XXXX inquiries from Capital One Bank on my XXXX credit file and both of those Capital One Bank inquiries are now unfairly lowering my credit score. Capital One Bank never received my credit score from Equifax because of my security freeze. Capital One Bank then also totally denied me a XXXX checking account overdraft line of credit and is now also refusing to remove both inquiries ( XXXX XXXX, XXXX XXXX, 2016 ) from my XXXX credit file but this time Capital One Bank 's 360 customer service representative are recommending that I contact XXXX directly so that I can have XXXX lift my security freeze temporarily so that I then once again reapply for another Capital One Bank 360 checking account overdraft line of credit but before I do that I need the XXXX previous inquiries totally removed from my XXXX credit file because I refuse to add yet another Capital One Bank related inquiry on my XXXX credit file so that my credit score is lowered even more and especially when the XXXX Capital One Bank related inquiries that are already on my XXXX credit file, are there because of me being totally misled and misinformed by Capital One Bank 's 360 customer service department and/or representatives!!!! I do want and need an overdraft line of credit on my XXXX checking account. Also in both of the denial emails I received from XXXX was there ever a mention about my XXXX security freeze causing XXXX any type or form of problems or delays, whenever XXXX requested my credit file or score from XXXX.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I'm XXXX XXXX XXXX, I currently receive XXXX benefits through my XXXX XXXX Debit Card. On XX/XX/2023, I visited the US Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and withdrew {$900.00} from my XXXX XXXX Card, however as I was opening my purse and I reached to take the money from the ATM, the ATM took my money back because I was too slow with grabbing it. I spoke with the US Bank teller, and she informed me there's nothing they can do to get my money out of the ATM. I also spoke with my XXXX XXXX XXXX XXXX customer service department they said they will add a dispute, but I still do not see my {$900.00} credited back to my Debit Card. I would like to be sure that the US Bank is accountable for not assisting me and would like a return of my {$900.00} back to my XXXX XXXX XXXX XXXX. 

I need the funds to buy my groceries and pay my rent. I would appreciate any help you can provide me.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (AL)

On XX/XX/2021 at approximately XXXXXX/XX/XXXX I received an automated call from the number provided in this complaint. Upon electing to speak with a representative at " CPS Services, '' I was placed on hold for approximately 5 minutes. Once I spoke to the representative they informed me that my number was associated with someone else, whom I've received multiple calls pertaining to, and that I would no longer receive any calls. This happens 3 to 4 times per day on every weekday and constantly disrupts my business that is heavily reliant on teleconferences for day-to-day operations, especially during the COVID pandemic. Apparently, I am never removed from their " list '' so they continue to call.
Consumer complaint received 2022-11-21
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$17000.00}
Consumer complaint received 2022-09-07
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. (TX)

in accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Jenkins, Wagnon & Young, P.C. (TX)

To Whom it may concern : I sent you a written request to validation for debt on File No. XXXX for XXXX XXXX. 

Be advised that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I disputed their claim and requested validation. 

Jenkins &. Young never provided validation made pursuant to the above named Title and Section. 

Consequently, any negative information must be removed immediately pending validation! 

XXXX XXXX
Consumer complaint received 2022-09-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$230.00}