davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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)

I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # :XXXXXXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (IN)

I spoke to NCBI management on XX/XX/2021. Representative named XXXX transferred me to a gentlemen named XXXX. They stated " We are not required to provide proof of Debt ''. " There is no such thing as pay to delete or settle to delete '' " We are not required to notify you '' I have paid them {$550.00}, but after being educated I asked to validate the Debt. They refused and said it is my job to verify the debt, not theirs.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$340.00}.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan and Chase has failed to report the opening of a Business Credit Card Line in which my social security number has used PRIOR TO THE DISCOVERY of my identity being stolen. This is a form of negligence on their behalf. Furthermore, it took me several months to resolve the issue and trying to obtain all banking statements and application documents - basically giving me a circus run around. They have even assigned me two investigators whom did not even bother with the case. When I talked to the supervisor on XX/XX/2020, they told me a subpoena needs to be issued. However, upon doing me research, they did not even mention about FATCA/FCRA. Upon doing my research, the Federal ID summary of writes explicitly states that I have the right to obtain documents relating to fraudulent transactions made or accounts using my my personal information. 

When I discovered the statement of balance due on XX/XX/2020, the balance is {$5700.00} on the letterhead it contained : My Name XXXX XXXX XXXX XXXX XXXX XXXX Address Return payment to : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX They have failed to disclose this to me and I had to pull the Federal Statutes on my own. Furthermore, upon speaking to the fraud supervisor on XX/XX/XXXX, she has failed to disclosed FATCA/FCRA rights ; rather she just told me I must get a subpoena. 

a notice of dispute and arbitration has been ordered and mailed to JP Morgan and Chase on XX/XX/XXXX Local Law enforcement in the ECU crimes unit has also been filed for investigation Due to the nature of confidentiality, I have overwhelming evidence of the perpetrator committing fraud. 

PLEASE NOTE SINCE I NOTIFIED JP MORGAN THEY HAVE CHANGED THE ORIGINAL FRAUDUELENT BILLING ADDRESS TO MY ADDRESS
Consumer complaint received 2021-01-11
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: WELLS FARGO & COMPANY (KY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-03
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. (MO)

I have asked XXXX, along with experian and XXXX to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 2023-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST HAWAIIAN, INC. (NV)

Hello, my name is XXXX XXXX. I filed an arbitration against XXXX XXXX through XXXX XXXX XXXX ( XXXX ) on XX/XX/2022. I am requesting that Consumer Financial Protection Bureau open an Investigation due to this company is evading its responsibility to respond to arbitrations. 

The company has to pay the first arbitration fee, but they didn't pay and XXXX closed the case. First Hawaiian is under XXXX 's rules and thereby violating the contractual agreement. 

There was a person representing the company who I was emailing to discuss this but he ignored my emails and disappeared. 

I feel frustrated and hopeless. I have wanted to resolve this matter in the best way but the company evades its responsibilities. My credit has been greatly affected by this problem and I have not been able to get loans, my financial life is ruined and I don't know what to do. 

Also, First Hawaii says that the last payment can not be taken out by auto pay They claim they sent me notice but I moved and am getting all mail forwarded to my new address and did not receive anything. when I setup auto-pay no such thing was told to me about the last payment not being able to get paid by autopay. I am sending a check now to pay off the account in full I have spent a lot of time and money for this reason I write this complaint to you. 

Please see attached the correspondence from the XXXX XXXX XXXX and the arbitration clause.
Consumer complaint received 2023-03-05
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. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-03-03
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: Experian Information Solutions Inc. (TX)

on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-03-03
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. (FL)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. My name is XXXX XXXX, and my Social Security Number is XXXX The following items on my credit report are incorrect and need to be corrected immediately : XXXXXXXX XXXX XXXXXXXX Late Payment Account XXXX UNIV XXXX Charge Off Account US DEPT ED XXXX Charge Off Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXXXXXX XXXX  MO XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am requesting that these items be investigated and removed from my credit report. I have attached a copy of my credit report with the disputed items highlighted for your convenience. 

According to the Fair Credit Reporting Act, you have 30 days from the receipt of this letter to investigate and correct any inaccuracies on my credit report. Failure to do so may result in legal action being taken against you.

I am taking this matter seriously, and I expect you to do the same. Please contact me at XXXX to let me know the status of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OR)

As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with XXXX XXXX  and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with XXXX. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

I have had several transportation disputes and the majority of my claims were correct and I was compensated buy Wells Fargo. When on XXXX I received a call from Wells Fargo stating that to protect the account they were suspending my debit card privileges for a year. I find that to be a punishment for something that is not my fault.i should not have my rights and privileges taken away from me for others mistakes and Wells Fargo should not take away my card privileges as I have several accounts that only have debit services online.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (PA)

I have disputed these accounts many times, and have received nothing at all from Amerifinancial Solutions. This is a violation of the FDCPA and the FCRA. They have failed to validate the debts at my request, and failed to properly disclose their attempts to collect said debts! I need them to stop right now! I thought I had rights! HELP ME!
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc. (DE)

Loan obtained through XXXX XXXX to consolidate debts on XX/XX/23. One debtor included is Avant financial with a pay off quote of {$2900.00}. Avant charged my checking account for {$2900.00} under an error I made while obtaining the pay off amount. In error I entered XX/XX/23 as the date of pay off, believing XXXX XXXX would have sent {$2900.00} by then. Funds did not arrive, and as of today XX/XX/23, not received by Avant. 
After contacting XXXX XXXX I was informed that a check for {$2900.00} had been mailed to Avant possibly taking 10-15 days to process, which I was not told when I selected direct pay from XXXX XXXX XXXX Avant, meanwhile my checking account is overdrawn by over {$2000.00}. 
Contacting Avant in order to resolve this situation was futile. Contacting XXXX XXXX also led nowhere. 
My point is, had I had been made aware by XXXX XXXX, that Avant financial was being mailed a check instead of electronic payment, I wouldn't have entered a XX/XX/23 payment. I believe 2-3 weeks is an unreasonable time for completion of payment.Meanwhile my checking account remains overdrawn. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-11
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. (NJ)

I recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (WI)

Bridgecrest illegally repossessed my car in XX/XX/2023. They sold the car for XXXX and I I owed XXXX. They sent I paperwork first that I owed XXXX and then XXXX. Complaint to XXXX received an rejection or accepted to XXXX for which they owed me. Never received any corrected paperwork. Ive tried to communicate cant get a manger its been 4 months and still no understanding why I havent received anything.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Hello Back in XX/XX/XXXX Synchrony bank charged my ASHLEY Furniture account {$2000.00} in interest and fees after I calling customer service to report financial difficulties and being out of work due to Covid. In XXXX I spoke to a customer service rep who insured me that no interest would be applied to the account and that Synchrony bank will extend the promotional plan that Im on until XXXX. That never happened, XXXX XXXX interest charges in the amount of {$2000.00} was applied to my account
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX