davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX IN CO neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX IN CO. I have the right to demand and see the contract between XXXX XXXX XXXX IN CO and myself! Please send the proper validation
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX IN CO neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX IN CO. I have the right to demand and see the contract between XXXX XXXX XXXX IN CO and myself! Please send the proper validation
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission.

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX COMPANY DATE ASSIGNED : XXXXXXXX XXXX XXXX  OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX  has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-12-17
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. (NC)

XXXX accordance with the Fair Credit Reporting act 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 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Transunion my consumer report and I've noticed XXXX unauthorized inquires and XXXX fraudulent account XXXX XXXX XXXX XXXX Amount # XXXX that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. This same XXXX XXXX XXXX XXXX account is not reporting on my XXXX Credit file that I will attach to this complaint. I never authorize the inquiries or authority to furnish these deceptive and misleading items and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights. I will also have my Identity theft Report ( FTC Affidavit ) Attached.
Consumer complaint received 2024-02-16
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Last XXXX SSN # XXXX XX/XX/XXXX Dispute Department Experian P.O, Box XXXX XXXX XXXX Texas XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXXXXXX XXXX  Account XXXX XX/XX/XXXX {$10000.00} FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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)

I am a victim of identity theft, I have contacted the three credit bureaus to inform them that my personal information was missed without my permission or consent/apply fraudulent accounts. The is hindering my life and credit, I am reaching out for help to remove the following accounts from My Credit Report : XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX Credit Card XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (LA)

First it was my unemployment card that got hacked or whatever game someone was and still is playing I see,. At the begining of the year they hacked my unemployment card I called card services and told them what was my complaint which was identity theft and they took care of i..Now come to find out someone's gotten a hold of my child support card and activated it and took XXXX dollars off of it.. I normally don't get my child support until XXXX of every year but for some reason my XXXX from XXXX XXXX called and asked me about if I had received some money and I was totally confused but he was right I had money deposited on the XXXX of XXXX and i didn't realize what had happened until the end of the month around the XXXX of XXXX I feel so bad that whomever did this Im guessing got away because the bank found no error .. that really hurts to know my XXXX baby girl could've used her money I don't know what else to do but I'm very angry agitated and heartbroken
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (SC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2020-02-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I submitted a dispute on XX/XX/XXXX with Equifax a my mortgage company XXXX XXXX XXXX XXXX located in XXXX, TN is incorrectly reporting on my credit. They are reporting that I have not paid since XX/XX/XXXX, that I have missed XX/XX/XXXX and XX/XX/XXXX payments as well as me having a past due balance of {$2600.00} and it shows my mortgage balance increased {$980.00} ( which is incorrect ), so the balance on my mortgage is wrong. All of this information is incorrect. My account is current, I have no past due balance, I paid for XX/XX/XXXX and XX/XX/XXXX, my mortgage balance did not increase and instead decreased, my mortgage balance is {$180000.00} NOT {$180000.00}. Again, I submitted this dispute with Equifax on XX/XX/XXXX and received notification on XX/XX/XXXX that it had been completed but still with the wrong information. Equifax did a poor job in getting the correct information updated. I then called my mortgage company and spoke with someone and they said they were able to see that my account was current but they were unsure why it's reporting wrong but could not resolve the issue. They simply asked me to send an email and this has caused my credit score to drop several times. The lady with the mortgage company said they may not have checked my account but why would they report to the credit bureau with incorrect information, without truly checking my account. I'm attaching the dispute section from Equifax showing no changes made and the incorrect information. I'm also attaching a screenshot of my mortgage account online to show my current balance with no past due amount and when the last payment was received.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-12-16
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. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : 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/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-12-16
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. (GA)

I have started the my dispute process with this company in XXXX XXXX Their investigation was a generic response ( please see attachment ). 

There are a number of inaccuracies on my report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation. All of my letter have been sent certified mail. Please see attachments below.
Consumer complaint received 2021-11-16
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: WELLS FARGO & COMPANY (CA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a bill pay of XXXX on XX/XX/XXXX through my bank - XXXX XXXX to cabelas MasterCard XXXX in Nebraska. 
I called cabelas as it was not showing as paid. They said they never received it. 
So I called my bank at XXXX XXXX. XXXX XXXX showed me how to get proof of payment. The same day I uploaded to their secure site the proof of payment. While discussing it was noted it went to the old credit card number for payment and I updated to the new. But cabelas was aware it was sent bill pay electronic and was sent using previous credit card number. Which I did not keep but they had. 
XXXX credited my account XXXX for the XXXX while they investigated. On XX/XX/XXXX there was a credit and debit for this amount. On XX/XX/XXXX they removed the credit for my payment. On XX/XX/XXXX I noticed my payment was removed called to ask where my payment went. They said they couldnt find it and were very rude. Said they wont give me credit for my payment. 
I called XXXX XXXX and they started the process to find out who at cabelas signed for the electronic check. XXXX XXXX said if they cashed the money Cabelas will have to give it to me. But cabelas is NOT giving me my payment. 
I am now out XXXX and cabelas refused to find my payment of which I have proof it was electronically sent via bill pay to them. 
So essentially they stole my money If they are doing this to me how many others?
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP (GA)

I attempted to call the agency on several ocassions to setup voluntary pays however the rep refused to assist me and stated that they would just sue me. I asked for proof of the debt which I never received and several requests were made to secure the proof of the debt. The rep was unprofessional and he laughed when I asked about resolving the account. Ive made several attempts and on most days the rep never is available. The rep gave false information to me about my ability to setup arrangements on the account and then my wages were garnished without any notice. XXXX  XXXX was unprofessional and rude.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XXXX of XXXX my family and I were heading on vacation to XXXX and during this time Ditech Mortgage was undergoing a transition with Shellpoint Mortgage Servicing. As is assumed, borrowers received monthly mortgage statements, however during the month of XXXX of XXXX, I did not received a statement from the acquiring party, NewRez LLC DBA Shellpoint Mortgage, nor did I receive one from Ditech Mortgage. So I was left with the decision to pay my monthly mortgage on XX/XX/XXXX made out to Ditech Financial for the month of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX Mortgage became my new servicer. 
Ditech Financial cashed my check for {$1000.00} for the month of XX/XX/XXXX. 
Shellpoint claims to have never received a check from me for XX/XX/XXXX. 
We have attempted to dispute this with Shellpoint on XXXX, but they never got back to us.
Consumer complaint received 2024-02-16
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. (PA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ;
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app. I contacted Mohela and was advised to send XXXX app at same time as consolidation app which I did in XXXX. But once submitted ALL records of my past payments are missing in XXXX and not credited by Mohela towards forgiveness! My new interest is good but starting in XXXX my payments will be {$700.00}! My work history appears to have qualified ( as it should ) but NO CREDIT towards forgiveness for all those years. They have this posted on website as my PSLF status. 
Received Date Status Description XX/XX/XXXX Processed A notice has been sent. Please allow 7-10 business days for the notice to be received. I called Mohela and they reported previous payments will be posted once confirmed. Confirmed by whom? No record yet and my credit report reflects total debt the same w payments due next month. This makes me worse off than I was. Please investigate.
Consumer complaint received 2021-11-16
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: TekCollect Inc. (NC)

Contacted the collection company about this account being fraud XX/XX/2021 there was an derogatory mark added to my account by TEK COLLECT I have no dealings with them I have no debts someone used my name to create fraud the worker hung up on me when I asked questions regarding the account Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192 ; 31 USC 3123, 5103, 5312 ; 18 USC 8 ; 12 USC 411 ; 28 USC 1746 ; 42 USC 408 a8 penalty
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX loans is still reporting a balance of over {$160000.00} on my credit reports. I disputed, and they finally corrected one report, but then it reappeared. I have submitted the letter from the Biden Administration forgiving my student loans. I have confirmed that my loans are indeed forgiven. It has been over 6 months, and XXXX has been put on notice that they are violating credit reporting laws by continuing to report a balance owing. I have requested several times that they correctly report the information to all three credit bureaus. By inquiring online, this seems to be an ongoing issue.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

I had a checking account through Bank of the West. I had several fraudulent charges for several months coming out of my account and some several times in a day. They wouldn't refund my account of the fraudulent charges and basically told me there was nothing else they would do. I have never had a bank do such a thing. It totals well above {$5000.00}. I don't know what else to do. I also have never experienced a bank being so negligent as to not have caught this suspicious activity and contact the member to ask if it WAS me. I tried several attempts to speak with someone that would help me it is very apparent someone was almost daily checking my account and then making several purchases of the same amount one after another. I would sometimes sit waiting to speak with someone for 2 hours and then I was told that was the final decision on my account not to refund me. Unacceptable and truly unbelievable.