davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (FL)

In XXXX XXXX XXXX, I looked

at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the
following reasons : XXXX XXXX XXXX XXXX XXXX  Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX XXXX XXXX XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means. 

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information.

I urge you to handle this matter with diligence and accuracy.

Please see the attachments below
Consumer complaint received 2022-09-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P. (TX)

Collections have just recently been added on XXXX  from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from paramount recovery that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit
Consumer complaint received 2019-02-04
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have a credit line with XXXX. I was out of town and missed the payment. I called and explained to customer service about the late payment and they told me they would take it off my credit report for good customer justification. This drop my credit score about 92 points. I had never been late before and this hurt my score in a major way. Can you please help? 
I filed a dispute and the results said that they will remove it, but it is still shows on my report. 

Sincerely, Need help.
Consumer complaint received 2022-09-15
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. (FL)

I called the 3 credit bureaus after receiving a copy of my report. I saw many UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on 09/05/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Here is the list of incorrect accounts found on my credit file : XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I didn't receive bills in mail, never got a card, and they had wrong address, i checked my score, seen the late payments, i called immediately & payed off the full balance with the promise they'll remove late payment credit reports im XXXX and understand the true value of my credit and do not wish to jeopardize it in any way. 

i appreciate any and all assistance
Consumer complaint received 2023-02-05
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. (IL)

I recently checked my TransUnion Credit Report and I noticed that my credit report was recently updated with 3 Inquiries that I didnt not have no knowledge of. I didnt not give permission or authorize these companies to check my credit report. I have listed the inquiries below that I didnt not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (GA)

Account # XXXX Date opened : XXXX XXXX XXXX Last activity : XX/XX/ Original creditor : XXXX Status : closed Balance : XXXX  In accordance with Fair Credit Reporting Act XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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 2023-02-04
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: Experian Information Solutions Inc. (TX)

I requested for removal of a medical debt that was under {$500.00}. The investigation did not remove it. My consumer rights was violated. The below excerpt is directly from CFPB : Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}.
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (FL)

I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both emotional and financial distress.
Consumer complaint received 2023-02-05
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2018-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Flagstar Bank, N.A. (MI)

I recently had at least two account sold by XXXX XXXX to Flagstar Bank, which caused me to be unable to access server all XXXX dollars I desperately needed. I now live >100 miles from the nearest branch, so all of my XXXX XXXX banking was done online. I became aware that XXXX XXXX was planning to sell my savings account. First, I spoke to a XXXX XXXX representative about my wish to have my account remain with XXXX XXXX, but I was told there was nothing I could do. 

I told the representative my plan to drain the savings account, and at no point did the XXXX XXXX rep mention my checking account was moving to Flagstar too. 

On XX/XX/XXXX my checking and savings were moved to Flagstar.

I made 3 calls total to try to get access to my money between XX/XX/XXXX-XX/XX/XXXX. Flagstar is online banking was completely in accessible during this time. I never wanted to be a Flagstar bank customer, and now they have multiple accounts opened in my name. What concerns me even more, is that they refuse to close the accounts without several pieces of highly sensitive personal information being mailed or faxed to their corporate office. It seems crazy to me that a bank would be allowed to open accounts in my name without my consent. I would really rather not create a paper trail of my personal information for clock Flagstar to use to advertise to me. Furthermore I learned they are using my Social Security number as a login for the online banking portal which leads me to believe their security practices are subpar to say the least.
Consumer complaint received 2023-02-05
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: Capio Partners, LLC (FL)

I have made multiple attempts to challenge this account, however it has been repeatedly re-added to my record, despite previous deletions by other agencies. This situation is causing me both emotional and financial distress.
Consumer complaint received 2022-09-15
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. (GA)

This is XXXX XXXX XXXX XXXX and I am submitting this complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The services youve provided is unprofessional. Time and time again Ive attempted to resolve the issue of your company ignoring my certified letters, hanging up the phone done by your supervisors, ignoring my rights as a consumer. I have mailed off previous cretified letters to find out that they were loss and this is the third and final letter.
Consumer complaint received 2023-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

To whom this may concerns ; I really need your help and do want to complain Shellpoint Mortgage. 


The Shellpoint Mortgage is the old company that we loaned with them. 

I have refinanced my house on XX/XX/2022. 

But they have an escrow balance that they need to give it back to me which the amount is {$2700.00} when closing. 

But until now, I have never get my money back yet. It is almost a year that they keep my money with them. 

I have tried to call them so many times for a long time. 
It always went to automatic answering. 

But last time I called I could talk to XXXX, a representative who answer my call, he told me that he will find out what going on and he will call me back before XXXX XXXX. 

For now, nobody contact me back yet. 

Thank you very much for your help.
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NH)

I started getting calls from Citibank when my bill was 8 days past due. I spoke to someone, explained that I was unemployed and looking actively for work, and that when I got a job I'd pay them. 

The woman on the phone said " the collection efforts will continue '' and then acted like she didn't know that unemployment is a hardship. ( Seriously, they can't figure this out? ) Ever since I get a few phone calls from Citi a day, and they never leave messages even though in the initial phone call I complained about this. 

To date I have yet to even receive a written notice that I'm late! This is ridiculous. Shouldn't some kind of written notice be sent BEFORE they start calling?
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

I am American and had a fraudulent charge of {$5800.00} with foreign transaction fee of {$170.00} on XX/XX/XXXX on my Chase Credit Card. I reported fraud on XX/XX/XXXX as I did not notice the charge until I reviewed my monthly statement later. At that time I checked my other accounts and noticed XXXX XXXX  fraudulently charged my XXXX Credit Card and my XXXX XXXX XXXX for similar amounts. ( XXXX and XXXX determined it was fraud and have since refunded and closed claim ). 

I was immediately given credit for the fraud by Chase after notifying them and later called in XXXX confirming it fraud and was told the dispute is finished. Today XXXX I received a letter from Chase stating I am responsible to pay because I BENEFITED FROM PURCHASE. 

I have no idea what XXXX XXXXXXXX XXXX XXXXXXXX is. It has no website, its XXXX registrations show it dissolved in XXXX, it was registered at an apartment with XXXX other companies. This is obviously fraud and I need CFPB to help me get this reversed. Chases Fraud Protection likely needs to be reevaluated.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect
Consumer complaint received 2023-02-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

We were done paying XX/XX/2022 Was told had pay XXXX XXXX  and then this week Change the total too XXXXyesterday then today Total was XXXX We pay XXXX every month but because we get pay after due date we paid all Late fees XXXX to XXXX and pay online Was told during XXXX  when we got behind they will not charge late fee for 3 months and they Add it to the end. 
We paid today final payment XXXX Should have been comple on XXXX
Consumer complaint received 2022-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2022 Bank of America did a hard inquiry on my credit. I did not authorize or ask for a new credit card attached to my social security number. I reached out to Bank of America fraud and had card taken off my name but they said they cant help with hard inquiry. The credit reporting agencies say tell Bank of America. I want this Card off my credit. It says I am an authorized user. It was reported on my credit beginning XX/XX/XXXX. I d have a Bank of America credit card but have had it for years. This is a new account someone else opened and attached my social to it. Please remove from all of my credit reports
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was approved for a Capital One secured card on XX/XX/XXXX. I paid {$850.00} for the card, which cleared my account on XX/XX/XXXX. I received an email saying that my card had shipped on XX/XX/XXXX. I dont get mail to my physical address, but when I made my account to order the card, they would not accept my XXXX XXXX XXXX I never received the card. I called on XX/XX/XXXX to order a replacement card to my XXXX XXXX XXXX I used my work phone number to create my account, and the representative told me they could not call that number for two-factor authentication so I would need to upload my drivers license to a site to verify. I uploaded pictures of the front and back of my drivers license and they told me it would take up to XXXX business days. I never heard back from them. I called again on XX/XX/XXXX and they said the picture of my license did not meet their quality standards and I would have to upload it again. I uploaded scanned pictures of my license while on the phone with the representative. I never heard back. On XX/XX/XXXX I went to a Capital One Cafe in XXXX XXXX XXXXXXXX and spoke with a representative, and she took pictures of my drivers license in person and we spoke with a representative who had me upload it again and said I still needed further documentation. I still have not heard anything about what documentation, and I have not received my card.