davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (VA)

According to 15 USC 1681a2 I did not give any written permissions to have any accounts furnished as a consumer my rights have been violated I am in distress that false information is being reported onto my consumer report.THIS ACCOUNT IS PAST 7 years of age
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit.

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, Equifax is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt?

XXXX XXXX- There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, Equifax and XXXX are showing different days late.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AZ)

I have repeatedly made attempts to contact XXXX chase morgan and they refuse to return phone calls and voicemails. 

Made attempts to speak to management who are always ( amazingly enough ) too busy to speak because they are in meetings regardless of day or time. 

Issues are not being resolved and jpmorgan has again made ZERO attempts to resolve my issues.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (MT)

on Friday, XX/XX/2021 I received yet another notification from Freedom debt relief stating they are unable to negotiate a debt because of inaccurate information. 

Freedom Debt Relief has been handling both my dad and my debts for a little over two years now. most of the time they wait till there are funds in the account to negotiate with the creditors. But those debts have been either written off by the original creditor and placed into collections. Now I know the debt collectors have bought the debts from the original credit for pennies on the dollar. I feel they have not kept their end of the deal on several occasions now and act as if they are saving us money but in fact, negotiating with a debt collector instead of the original creditor was not our arrangement. when we contact customer service e are given the runaround and then are contacted by a reputation manager who has verified that were have been misled when they claim they can not do anything without the proper account information. How are we to know what the account information is with the debt collector they are supposed to be on top of those things and after two years we have not gotten anything pertaining to any debts. In my opinion, this is all a breach of contract for the mere fact that when we agreed to let them handle this business we were under the impression that they would handle everything yet when I have previously filed a complaint they try to get us to accept a loan from their sister company to resolve the debts I am not comfortable taking out more loans to pay off these debts when they are supposed to negotiate settlements. That sounds like a nice hustle to me. please advise
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank opened an account in my name without authorization. 

They ran my credit, and then reported a new account being opened. 

They refuse to answer my questions online, and apparently are running up a balance in my name, in spite of my never applying for a card. 

I never gave them an address to send a bill, I never gave them a phone number, and I have no way of contacting them online other than through the account I was an additional card holder on, ie. my wife 's account.
Consumer complaint received 2021-10-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AR)

Hi, I was expected to receive a refund on the XXXX of XXXX from the merchant XXXX in the amount of {$130.00}. This has been processing for some time and I fear that this will take longer than expected and that nothing is being done. This has never happened with this company, and given my luck, I am sure that something more is wrong and going on. I have waited long enough and need my money. I have contacted American Express via phone and the agents say that everything is fine, but they have no way of sending a message to whoever is in control of the processing hold on this refund. I never really received any updated info on this, and day after day, the refund is just sitting there processing. I strongly believe something else is wrong here. My email for this account is XXXX and the last four of my social is XXXX
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

I was in the hospital when the incident occurred I missing the sum of {$39000.00} out of my account with Wells Fargo I sent them information that ..that was not my fault I don't know the company the money went too..I dispute the charges and they still rule in an overseas company .I don't feel that's fair at all.
Consumer complaint received 2018-06-29
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. (MD)

Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative XXXX  XXXX XXXX then hangs up on me and someone else calls me back XXXX XXXX XXXX I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They XXXX XXXX XXXX have violated the FDCPA in many ways as well as XXXX and XXXX   violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/Experian/XXXX. XXXX XXXX company in the amount of XXXX with-XXXX/Experian.XXXX XXXX in the amount of XXXX.with-XXXX/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
Consumer complaint received 2021-10-24
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. (GA)

Reason : I'm disputing the company XXXX  XXXX XXXX, Account Number XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( XXXX, XXXX, and Equifax ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. Equifax is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But XXXX is only showing 30 days late for those months. I also contacted XXXX by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.
Consumer complaint received 2021-09-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (PA)

XX/XX/XXXX Freedom Mortgage Attention : Customer Service : Subject : Loan [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ).

I am writing because : The service received from day one has been very unprofessional and subpar. Please note I closed on XX/XX/XXXX and a notary came to my home. I signed all of the required documents and thought things were completed. Freedom Mortgage didnt realize the closing had taken place and sent a second notary to my home to finalize things. Just recently I received a check from Freedom Mortgage for {$3100.00} which came from my escrow. The check was sent to me in error ( mishandling ) of funds. The removal of those funds from my escrow caused my escrow to have a negative balance at that time. Freedom Mortgage withdrew my XXXX payment for the increased amount which caused several payments to be returned as non-sufficient funds. 
Please note multiple calls as well and written communication have been made to Freedom Mortgage. Most contact results in my questions/ concerns being unanswered to my satisfaction. Ive been mistreated and my account has been mismanaged since day one. Please note Ive been passed around from one customer service person to another to no avail. Finally I was put in contact with XXXX XXXX. Mr. XXXX has tried to make sense of things. 
Please note the unprofessionalism and mismanagement of my mortgage has caused my stress level to elevate. The withdrawing of the increased mortgage payment caused me a hardship. I pride myself on maintaining a good credit profile and situation like this can cause negative information to be reported to the credit bureaus. Ive been pulled away from my work trying to resolve these matters, often the hold times are unacceptable and most calls end in no resolve. 
Please advise what can be done to compensate me for the unprofessionalism and mismanagement of my mortgage. Ive made the XXXX payment in good faith. It would be nice if XXXX payment could have been waived and my account credited for the inconvenience caused. I can be reached at : ( XXXX ) XXXX. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-03
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. (CA)

I demand these account must be verified or removed immediately  XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX  Account #  XXXX     XXXX   XXXX   XXXX   Account #  XXXX
Consumer complaint received 2017-05-03
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. (CA)

I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX      XXXX   XXXX   XXXX   -  XXXX
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (TX)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2021-09-29
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. ()

Purchased a phone through XXXX XXXX  Phone was paid off in 2020, was still being billed for the insurance on the phone after the phone was paid off. Have tried to resolve this by phone, email and regular mail with XXXX XXXX XXXX, XXXX, and XXXX. I have a XXXX balance, never owed this insurance and would like it removed from my credit report.
Consumer complaint received 2021-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021, a FRAUDULENT TRANSACTION posted to my account : XXXX XXXX Other ... XXXX {$580.00}. 

I did not authorize a XXXX transaction with that merchant on that day or on any other day. 

This FRAUD was immediately reported to Capital One. The Capital One agent stated on a recorded line that a FRAUD REPORT had been completed and that new credit cards had to be sent to me as well as to my authorized users. I was also told by the Capital One agent on a recorded line that there would be NO MORE FRAUD allowed on this account by this merchant and that in no way would the amount be charged to the account again. 

Despite those assurances by Capital One, the FRAUDULENT transaction of {$580.00} again posted to my account. This time as a " purchase adjustment. '' I immediately called Capital One the moment that I discovered it. I was told by Capital One " FRAUD Transaction Agent '' XXXX that the reason for this is that the previous Capital One representative mistakenly filed my complaint as a " dispute report '' instead of as a " FRAUD report. '' This is very disconcerting as I was previously told by Capital One on a recorded line that. FRAUD report had been filed and that was the very reason that all of the credit cards associated with this account had to be replaced. 

XXXX then transferred me to XXXX a FRAUD Investigative Specialist who told me that this time, they would have the month-old FRAUD claim processed properly. When I asked if Capital One would be FRAUDULENTLY reporting s {$580.00} balance to the credit bureaus, she responded, Yes, Sir. 

When I asked how long the {$580.00} credit would take to post she responded, It might take a while. This response was entirely unacceptable. I asked to be transferred to someone in charge. After a long wait, XXXX, her manager told me that the credit would post in 2-3 business days. 

This is the same thing I was told over a month ago when I was also told that no purchase adjustment would ever appear on this account and no additional FRAUDULENT charges would appear either. This has not been the case.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CO)

EOS CCA ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is trying to collect {$220.00} from XXXX. 

History with XXXX XXXX I cancelled service with XXXX XXXX in XXXX of 2018. I used their prepaid label to mail back the modem. I confirmed my account was closed and had no further payments. I received a disconnection confirmation number. I never received another bill from XXXX XXXX. 2 years later, I received creditor letters saying I owe {$220.00} to XXXX XXXX. The mail is coming from EOS CCA. XXXX has confirmed with me multiple times that I do not owe anything. I have recorded conversations and emails. EOS CCA is a fraudulent debt collector.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian File Report XXXX, Provided by Experian I requested a verification and update on my credit report, Experian reported back stating the accounts were verified but FAILED to say how they were verified. On top of that the accounts listed in Experian File Report Number XXXX are violation of to 15 US Code 1681A, Paragraph 2, ( A ) ( i ), the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-10-22
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. (NV)

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. These companies are stalling as much as they can ... .. ( copied from the AffiDavit attached ).
Consumer complaint received 2021-10-22
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. (PA)

I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified XXXX and Transunion about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information 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.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to 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 listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX