davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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. (MI)

My credit report is mixed with my sister 's. I filed a report to request to remove my sister 's name, accounts, and addresses from my report. However, following their investigation, Experian has not implemented the changes. The Report Number of the dispute is XXXX.
Consumer complaint received 2021-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (OK)

I lost my job because of covid and I keep telling them that I will call them back when I get settled in to my new job but they keep calling me on different numbers every time I wish they would stop because now there calling me while Im at work and I keep telling them this and Im eventually gon na loose this job because my manager keeps having to talk to me about it.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-04-16
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: Resurgent Capital Services L.P. (CA)

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXX XXXX, XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX / XXXX XXXX XXXX # XXXX # XXXX, Lvnv funding XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX bank # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX in company # XXXX XXXX # XXXX, XXXX # XXXXHas 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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.
Consumer complaint received 2023-10-18
Product: Credit reporting 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. (NC)

I need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX XXXXXXXX, account number 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 an account without my written instructions.
Consumer complaint received 2022-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I bought two computers from XXXX. On XX/XX/XXXX, the computer arrived. However, one of them is different from what I ordered. 

Then I returned the one to XXXX. To my surprise, XXXX deducted a restock fee of {$230.00}. I contacted XXXX, who refused to refund the restock fee despite acknowledging that they sent me a different product vs what I ordered. 

On XX/XX/XXXX, I called Capital One to inform them of starting a " claims and defenses '' dispute with the XXXX charge with {$230.00} as the dispute amount. 

On XX/XX/XXXX, I noticed that Capital One provided me a credit of {$2500.00} ( which is the full purchase amount ). I called Capital One to let them know of the issue and they fixed it by charging me {$2500.00} and giving a credit of {$230.00}. 

On XX/XX/XXXX, Capital One gave me a notice that they are siding with XXXX because XXXX return policy states that restock fee applies unless the return is due to defective product or other HP.com errors. Capital One then proceeded to charge me {$2500.00}, credit me {$2500.00}, charge me {$230.00} and charge me {$250.00}. 

On XX/XX/XXXX, I give my response to the case saying that it is XXXX 's error that they sent me the wrong product, and this kind of deceptive practices are against the law. 

On XX/XX/XXXX, Capital One sent me notice that they can't help me and the case is closed. I called XXXX three times to correct the overbilling of {$250.00} they did in the process.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (OH)

I have numerous amounts on my credit report some for over {$700.00} and one for over {$1000.00} as well as some under {$100.00} I have called the hospital where they claim I owe and I have a {$0.00} balance and they dont know why Im getting charged when I have Medicaid and they were supposed to cover it! I havent received any bills either the only why I know about them is when they show up on my credit report
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (TX)

XX/XX/XXXX disputed inaccurate reporting of an item not mine. XX/XX/XXXX credit bureau resolved dispute. Removed negative impact from my credit report. 79 days later same credit reinstated the same negative impact without notice and justification.
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

there are several accounts on my consumer report that are fraudulent ive sent the credit reporting agencies ftc reports identity theft affidavts and police reports and the fraudulent accounts are still being reported from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX these accounts are fraudulent and in violation of the fcra and fdcpa and i will take legal action this seres as a notice that if theses accounts are not removed within 15 days legal action will be taken for contractual law universal law and statutory violations violations of 15 usc section 1681, 1681b, 1681 c2e,1681he and fcra section 609 and fdcpa 804b
Consumer complaint received 2023-07-22
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: CITIBANK, N.A. (AZ)

I am XXXX years old. 

In XXXX, XXXX and XXXX, 2023, my Citicard was charged for services I did not order. The charges were XXXX a month from XXXX XXXX. 

I called Citicard to let them know I did not authorize these charges. Citibank temporarily removed the charges from my account pending their investigation. As Citicardwas taking so long to investigate, I called them a second time and told them the charges were a result of fraud. 

The latest bill from Citicard added the XXXX XXXX charges back to my card because they verified the charges. I have no idea how they got in touch with XXXX XXXX because there was no way for me to contact XXXX XXXX. 

I will be cancelling my Citicard, but in the meantime, I have paid Citicard {$200.00} for fraudulent charges. I will not do business with Citibank again, but I doubt the bank cares.
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My account was said to be close in 60 days since XX/XX/XXXX. Till now they didn't close my amount and my money is stuck because the account is blocked. I call citibank on several occasions they always said their expert will work it, My savings is in that account almost 3 months behind my rent because citibank refused to send my check, I wrote them letter, went to branch so many times, all prove abortive, on XX/XX/XXXX they sent me another letter that my account will close in 60 days, I don't know what's going on, I just want my money.. see attachment documents below thank you
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Conns XXXX XXXX is reporting my account is pass due when a payment in the amount of XXXX was made on XX/XX/2022 before XXXX pm central. Also, reporting my account balance increased XXXX.
Consumer complaint received 2023-07-21
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: DISCOVER BANK (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

After being activated with the Florida XXXX XXXX XXXX in response to the COVID-19 pandemic I saw a 50 % decrease in income while also going through a divorce. I filed for relief under the CARES ACT. 
- On XX/XX/XXXX, I signed the enclosed modification agreement for a partial claim with the VA. Payments were due to resume the following month, on XX/XX/XXXX. This is the second time modification paperwork was filed ; the first dates to XXXX of the previous year. The first modification did not get approved by the VA because Wells Fargo had the wrong address, but still recorded it with the county. Through several calls and hours of personal time taken to call Wells Fargo asking if/when it was safe to resume payments, I contacted the VA to gather additional information. This is where I learned that the original XXXX paperwork still needs to be filed with the state, never approved/signed off by the VA. Our house had gone up for sale as my soon-to-be ex and I agreed to sell the home tied to this loan as part of our divorce process. The house sold and was closed on quickly ( XX/XX/XXXX ), On XX/XX/XXXX, the enclosed payoff letter was obtained through Wells Fargo. The mortgage portion of the payoff due to Wells Fargo was {$250000.00}. That, plus the amount due to pay off the VA partial claim, totaled {$260000.00} to pay off all liens on the property. The closing took place on XX/XX/XXXX. The total payoff was wired to Wells Fargo on XX/XX/XXXX, and the loan reflected as PAID IN FULL. All of this leads to the reason for the complaint. I went under contract to purchase a new home. I had obtained pre-approval before the account was reported as paid to the credit bureaus. My loan officer told me that once Wells Fargo zeroed out with the bureaus, shed update the credit to reflect the account being paid in full. On XX/XX/XXXX, my credit was updated, and the mortgage with Wells Fargo showed a late marker that varied with each bureau. XXXX reported the MOP code XXXX, 180 days or more past due for XXXX. XXXX reported the MOP code XXXX, account is at least 120 days overdue but is not yet rated XXXX. XXXX reported the MOP code XXXX, 120 days or more past the due date. This has now disqualified me from my mortgage and jeopardized my deposit. The VA partial claim information on the VAs website said that the partial claim has no impact on my credit. 

XXXX XXXX XXXX the wrong address on the first Modification paperwork, but still recorded the lien on behalf of the VA XXXX without the approval of the VA XXXX 
XXXX XXXX XXXX not remove the erroneous lien after discovering the error. They have now, but after countless hours and calls from me. 
XXXX XXXX XXXX XXXX & XX/XX/XXXX late when the home closed on XX/XX/XXXX, and were paid in full XX/XX/XXXX.
Consumer complaint received 2022-04-16
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. (LA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

This is the 2nd time I am registering this complaint. As in XX/XX/, when I first registered this complaint, JPMorgan Chase continues to default my banking statement settings to paperless. I have reset the settings to receive a paper statement on multiple occasions, but to no avail. The most recent incident of Chase resetting my account statements to paperless WITHOUT MY CONSENT occurred today, XX/XX/. I received a notification that ALL of my chase accounts had been changed to paperless WITHOUT MY COnsent. statements for any of my savings or checking. I would like your assistance in looking into this matter. My not receiving a paper statement, despite my request to continue to have them mail them to me on a monthly basis, is impacting my ability to monitor my finances and to make informed decisions.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2018-06-09
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. (TX)

I Have Disputed XXXX XXXX XXXX To send me a payment History. I have also contacted Experian Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted Experian they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and Expperian say it is accurate.

Thanks XXXX XXXX
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.
Consumer complaint received 2023-02-23
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

An account from XXXX XXXX XXXX was opened under my SSN either accidently or fraudulently. The debt is not mine, I have never had any accounts with XXXX XXXX XXXX. From my understanding, the phone number, name, address, etc. associated with the original account are not linked to me, but the account somehow continues to show up on my credit report. I have disputed this account with both XXXX and the collections agencies every time it shows up on my credit report. Every time I dispute the account it is removed, however, every 3 months or so the debt is sold to another collections company and it shows up on my report again. 

Please help me get rid of this fraudulent account for good, it is ruining my credit score.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX