davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2019, I purchased a XXXX XXXX  from XXXX XXXX in XXXX, CA. I had secured financing via my bank XXXX XXXX XXXX XXXX. Even though we had agreed on the price of the care before I arrived, the dealership said they would not honor it unless I used their financing. Instead of using my bank loan, they secured me a loan with XXXX at the same rate. At that time, I signed up for automatic payments. In XXXX, I received a notification that I had a 30-day late payment recorded on my credit history from XXXX. I received no statement or calls. I promptly paid the bill and re-enrolled in automatic payments. I submitted a dispute through Experian as though it would be a simple matter to clarify what happened. XXXX denied the disagreement. 

On XX/XX/2019, I called XXXX XXXX, expecting them to resolve the issue. Instead, the XXXX representative asserted their dealer 's behavior was not their responsibility. They also stated the sending me a paper statement was a courtesy. They said they called me, and I have no messages or records of their calls. They informed me that the number would be XXXX. I checked my XXXX bills for XXXX, and this number does not appear. I use XXXX XXXX, so I am 100 % sure they did not leave a message. I am also 100 % sure they did not e-mail me as they started sending me reminders after my first payment. 

In summary, the dealer would not honor their price unless I used their financing and then lost or did not accept my autopay enrollment. XXXX did not send me a mail, e-mail, call or leave a voice mail to alert me that the payment was past due. Upon notification of the issue, XXXX refused to acknowledge their mistake. 

The result of there erroneous filing is my credit dropped 86 points, and I am having trouble getting a mortgage loan. I have not had a late payment report in my entire over 25 years of credit history. My mortgage broker says I am not longer eligible for the loan we had planned to get based on my credit score and will need to get a VA loan because of lower credit requirements. This mistake will cost me tens of thousands of dollars extra if I can get the loan. 

Respectfully
Consumer complaint received 2022-12-18
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. (GA)

Please delete these inquiries from my report as these do not belong to me and I did not authorize them. 

XXXX XXXX NA Inquired on XX/XX/2022 XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (AL)

I apologize to all involved for my delay in speaking I've had a mental illness that has worsend over time and ..well any chance I can request judicial review for a default judgment inwich needs to be hold immediately.appealThere has been a big misunderstanding involving penalty fund deduction from all or any accounts by mistake there are unfair fees associated fees on transactions without chance to resolve or dispute in any fair time, I don't have any legal council, I've not tried hiding or run making matters worse ..please allow accomodations request for all these legal problems. It's destroyed my character and getting way worse
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

Entities Involved - Chase Bank, XXXX, XXXX XXXX, and XXXX XXXX XXXX I use Chase Bank for my banking needs. I hold a checking and a savings account with them. They have an affiliated service- XXXX- for money transfers that uses phone numbers or emails as identifiers to send money. 

On XX/XX/XXXX, I made a payment of {$1700.00} to an individual known to me by using her email which is linked to her XXXX Account. 

I was told by the individual that she has not received my payment. 
On receiving this news, I called Chase Bank 's customer care number and visited their branch in XXXX XXXX to seek help. They registered a claim on XX/XX/XXXX. They responded on XX/XX/XXXX, that the money was received by the individual - the intended recipient of the money on the account linked with her email address on XXXX. 

I again went back to the individual stating that the bank has completed an investigation and that they are claiming that the money is with you. The individual responded by providing me an email copy from her bank- XXXX XXXX - that no such money has been received in her account linked with XXXX with them. 

I went back to Chase to reopen the claim on the basis of this document. They came back saying that the money was received by the intended recipient in the bank account linked with the email and her XXXX account. 

On my repeated queries with the bank to figure out the whereabouts of my money, one of the customer care executives/investigation team members suggested that I request the intended recipient for her bank statement for the month. I complied and requested the bank statement from the intended recipient. The individual was not comfortable with sharing the banking statements but assured me that she will check with her bankers again. She wrote back by email saying that she went to both her bankers ( XXXX XXXX XXXX  and XXXX XXXX  XXXX ) where she has different XXXX accounts. She categorically wrote in the email that both banks denied receiving any such amount. 

On XXXX XXXX XXXX, XXXX, I requested Chase Bank and XXXX separately to provide me with the details of the bank account where they believe the money is deposited. They have not provided this information citing privacy concerns and are not paying heed to the fact that the intended recipient checked with both banks about the money and came with the same reply that the money was not received in her accounts. 

In the end, I don't know where my money is sitting and the information about this is sitting with Chase and XXXX.
Consumer complaint received 2024-03-20
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This account does not belong to me and it recently appeared out of nowhere on my credit report. Please delete this asap as I have included the identity theft report. 

XXXX XXXX XXXX Account Number XXXX XXXX Account Status XXXX
Consumer complaint received 2021-09-27
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. (PA)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

Southwest credit XXXX XXXX XXXX Ste XXXX XXXX, TX XXXX XXXX credit calls multiple times back to back from multiple different numbers, disguising as random numbers to my cell phone AND work phone. I can not get anything done based on the multiple calls back to back. This has happened for the last three weeks straight every day. I have asked him to stop calling me. This is causing me stress and harm and risking losing my job because of the multiple back to back calls.
Consumer complaint received 2023-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. AR Resources Inc XXXX XXXX XXXX Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.
Consumer complaint received 2020-03-02
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)

Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please help!
Consumer complaint received 2023-01-15
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. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information 1. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect- please remove this from my credit report immediately. 
2. INCORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXX - The personal information is incorrect - please remove this from my credit report immediately. 
Accounts XXXX. XXXX XXXXXXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
XXXX. XXXX XXXX - XXXX. This account is being reported inaccurately, please remove this from my credit report immediately. 
Inquiries XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX - XXXX - This inquiry was not authorized, please remove it from my credit report immediately.
Consumer complaint received 2023-01-15
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. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States/ 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. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was in the hospital and missed my credit card payment because I was unable to log in and change my bank account info. When I paid my bill in full using my debit card, I noticed that the app said my count was restricted. 

I called to ask how to unrestrict and they said I could not do it because they closed my account. They said there was nothing that I could do. 

I paid the bill in full that day. Now I am being charged interest? So now the want another {$7.00}. Why am I being charged interest on an account paid in full and that they closed? If I had deleted the app, I wouldnt have known they added on more interest after I har already paid in full. 

I believe they should remove the interest and that my credit report should not be negatively impacted. I called 3 times about the original issue and was denied an issue escalation because they said reopening an account was impossible. I should be allowed to speak to a supervisor and escalate an issue.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have wrote all 3 major credit reporting agencies ( XXXX, XXXX, experian ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name.

These items remain after I disputed them with the documents needed to block and remove them per the fcra 605b provision.
Consumer complaint received 2023-01-15
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. (CA)

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX  has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX  ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.
Consumer complaint received 2023-01-15
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX AR XXXX XXXX Account number XXXX XXXX of XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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 2023-01-15
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. (CA)

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/XXXX I sent a letter to American express asking them to validate a debt that was furnished on 3 consumer reports ( XXXX, XXXX, XXXX ) .I disputed this account with all 3 consumer reporting agenciesXXXX deleted the account, XXXX and XXXX XXXX to furnish the data.I filed a complaint with the CFPB still after filing the complaint with the CFPB the account still came back verified.I found it very strange that this account keeps coming up verified so I called the CFPB and I asked how could this account be verified then I found out from the representative on the phone that credit card companies don't have to show the consumer reporting agencies any proof.So I have a letter I sent to American Express on XX/XX/XXXX asking them to validate the debt.After studying the Fair Credit Reporting Act I found out the credit card company lawfully had to respond to me.So they are way past the the 30 day markXXXXAmerican Express is in violation of 15 U.S.C. 1681i section 611 ( a ) ( 1 ) ( a ) .It says the company has 30 days to respond and if they don't respond in that time frame then under 15 U.S.C. 1681i section 611 ( a ) ( 5 ) ( A ) the item must be deleted from the comsumer report.I have attached all correspondence below.XXXX  account # XXXX XXXX account # XXXXAlso on each report American Express has 2 different addresses.