davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (UT)

As of XX/XX/XXXX I have disputed unauthorize inquires into my credit report and want these removed this is fraud and I did not consent to these inquires. 

XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXL Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX Inquiry date XX/XX/XXXX XXXX - XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2021-12-17
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 (GA)

Kohls XXXX XXXX XXXX XXXX, WI XXXX. I have disputed this item with kohls for the past 6 years. They charged this account off XX/XX/2015 with a balance of XXXX. Everything month they a reporting It as a charge off and to my knowledge c/o accounts should have no active payment reporting. I have Requested for this to be stop but they have denied. This has/ is negatively impacting my credit and Im requesting deletion of this trade line from my report immediately.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (RI)

This is the third time Im disputing this debt that is NOT mine. It has been removed off of my credit report in the past and pops up again. It is not my debt and I refuse to have my credit profile defamed by XXXX XXXX and the collection companies they hire. 

They are reporting a debt that is not mine and send me letters saying that the debt is verified with no proof. Like Im not just going to pay a debt that is not mine. This is unacceptable. I sent the credit bureaus a letter disputing this debt and the company EOS CCA responds back saying the debt is verified? How? This makes no sense and their tactics are unfair and quite frankly abusive at this point. I demand they remove these negative remarks off of my credit report immediately.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX Balance 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
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXXi after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the XXXX letters from XXXX XXXX XXXX confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-05-26
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. (NY)

I have disputed this XXXX on Experian and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (FL)

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. Experian and XXXX received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. XXXX said they did not received my request when I called them. XXXX received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Consumer complaint received 2022-05-26
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. (FL)

I submitted a fraudulent dispute with these companies on XX/XX/2022 including my dispute letter FTC report and proof of identity. XXXX and XXXX received my request on XX/XX/XXXX I have tracking to prove it but they have not sent me any correspondence regarding my request to suppress this fraudulent information. XXXX said they did not received my request when I called them. Equifax received my letters on XX/XX/XXXX via Fax and I can not access my online account to check for updates on these disputes and they have not responded to me. Neither one of these companies has responded in the allowed amount of time according to FCRA which is 4 business days of receiving fraudulent disputes.
Consumer complaint received 2017-12-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

In XXXX XXXX I went to the XXXX Branch where my parents banked to close their accounts ( which were in a trust ). To make a long story short ... the woman that issued the checks handed me all of the documents required to close these accounts. All with live signatures, along with my copies. Hence, she had no documentation for closing out accounts that were substantial ( ending in 6 digits ).  The bank called me approximately a half hour later and ask if I would return the documents. I told me it was their mistake and they were more than welcome to pick them up from my home. They sent a courier to retrieve documents that should have NEVER left the branch. Upon closing these accounts I asked 3 times about the safety deposit box my parents had and was told they did n't have one. NOW .... NINE YEARS later, I receive a letter addressed to my parents stating that their safety deposit box access will be restricted until ( my parents ) contact the branch. I phoned the branch and ask for a branch manager ... which they do n't have. I spoke with a glorified teller who refused to give me his supervisor 's name and phone number. After several attempts, I got the supervisors name, and spoke with him, and several days later he said he would have a bank manager at another branch take over the situation with the safety deposit box. That was over 2 weeks ago and I have n't heard from anyone since.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (VA)

XXXX had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
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 XXXX XXXX These inquiries where replaced on my credit in batches by XXXX illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Chase XXXX XXXX has reversed several alleged fraudulent and/or unauthorized purchases to the primary account holder that were made by me, as an authorized user and very known to the primary account holder, without any investigation whatsoever, which has locked me out of many of my accounts including my XXXX account. The primary holder decided to make these fraudulent disputes after I had moved out of the residence without contacting me. This has caused a very dangerous situation, including reversal of FIVE ( 5 ) car payments that I had made, causing my car loan to become over 120 days past due, insurance payments and additional bills that I had paid, as authorized user, while the primary holder was well aware of EVERY SINGLE TRANSACTION I HAD MADE AND HAS MADE NO ATTEMPT TO CONTACT ME PRIOR TO REPORTING THESE CLAIMS. THE PRIMARY USER HIMSELF HAS COMMITTED FRAUD!!! 
Chase had issued two credit cards that were requested by the primary holder for me to use as authorized card holder, cards ending in XXXX and XXXX, that were personally requested by the primary cardholder and given to me by the primary card holder for use as an authorized user to make purchases, with my own cards that included my name, that the primary account holder acknowledged and personally handed to me at the residence where we lived together. I have paid several of my bills that are very known to the primary holder and I have also paid the primary holder thousands of dollars towards said bills. MONTHS later, I am finding out that most of the charges that I made ( ALL THE WAY BACK TO XXXX HERE WE ARE IN XXXX ) were REVERSED AND THE PRIMARY HOLDER HAS RECEIVED SEVERAL REFUNDS!? NONE OF MY CHARGES WERE FRAUD OR UNAUTHORIZED!!! This is a very dangerous situation causing me to repay several of my merchants that I was previously authorized to pay bills to by the primary cardholder. Chase will not speak to me since the primary holder has removed me from the account. Chase should not be issuing authorized user cards and then allowing primary holders to claim at least NINE ( 9 ) claims of fraud/ unauthorized use without any investigation. Without some proof of " unauthorized use '' ( which is impossible if I was an authorized user and was permitted to use the cards ) I should not be subject to repay my merchants because of Fraud/ Unauthorized use under Federal or State laws which include as an element actual, intentional, unauthorized use. This is bad faith to consumers. HOW do my charges, as authorized user, get reversed MONTHS LATER!? MY CHARGES ARE NOT FRAUD!!!
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed this XXXX on Transunion and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over the verification letter received from XXXX and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXX XXXX XXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am a part of the group where where SLS took my house in 2014. I was distraught when I was paying my mortgage as suscribes in my contract and i received absolutely no help from them. SLS had me running around providing documentation to keep my house when they were already in the foreclosing process. They provided me with false hopes and information. My loan initially was with XXXX who sold my loan to SLS. The issue started when I wanted to refi my loan to get a better interest rate, this is when the nightmare began. XXXX also ran me around and sent me to a counseling department with XXXX, where the counselor advised to stop making payments because that way the program will approve my request. Unbeknown to me I totally believe that is what I was to do, they were the so-called experts. Well, thats when my payments fell far behind and there was way for to recover. Still waiting for XXXX  to advise if my request was approved, they sold the loan to SLS. As I stated at the beginning, SLS took the loan and sat on it and did absolutely nothing. The foreclosure process went pretty quick, I didnt have a chance, I was losing my beautiful first home. I contacted and spoke to so many people and none of them helped. I then contacted Congressmen XXXX office to seek help as I was desperate to keep my house. The Congressmens office contacted SLS and were told they would look into the matter. They did not, they sat on the request and shortly after, the paperwork was on its way to the court. I remember this like it was yesterday, I tried so very hard to keep my house. Til this day, I know something wasnt right about my foreclosure, I strongly feel that my house was illegally foreclosed. I did everything in my power to reach to everyone I could, and received no assistance. I am not submitting my complain so it could be included in the lawsuit against SLS. 

I may already be included because I received correspondence along with a small amount check advising me if the lawsuit. I wanted you all to really look into my case, there was some Shady stuff going on. 

Thank you for taking the time to read my complaint. If Im needed for clarification and more details, I may be read at the following : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-17
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. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-13
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: BMW Financial Services NA, LLC (CA)

This is in reference to the consumer report sent by your company via electronic form through XXXX, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation