davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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: EQUIFAX, INC. (MS)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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 2020-01-03
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: Experian Information Solutions Inc. (CA)

I have a collection account that's reporting on my credit report that I have no knowledge of. I never gave anyone access to my personal information to apply for any types of loans. please remove this account immediately. 

XXXX XXXX XXXX OPENED- XX/XX/2016 AMOUNT {$0.00}
Consumer complaint received 2020-06-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

WE already submitted complaint regarding offering loan modification after the auction.PHH respond is not included why they did not offer us loan modification options before the auction and when we are ready to pay the negative amount, why they are not working with us. We are trying to contact them since last year but only they have ability to call us or contact us, but never responded what we ask. 
We need PHH to schedule meeting with our attorney and let us to share all court order and other facts to them
Consumer complaint received 2019-02-12
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: CITIBANK, N.A. (FL)

Company Name : XXXX  XXXX XXXX XXXX ( XXXX ) ; Account Number : XXXX. This account has been previously disputed through the CFPB portal as well as XXXX, XXXX and XXXX for the account being inaccurately reported to the credit reporting agencies. The account was disputed on XX/XX/XXXX and XX/XX/XXXX through the CFPB portal. On XX/XX/XXXX I received a IRS Form 1099-C for an  amount of {$950.00} from the creditor ( XXXX. ) I have attached a copy of the IRS Form 1099-C. I have never entered any agreement with the creditor to cancel this debt or settle any portion or amount thereof. This is a charged off account and is bound by FCRA regulation to be removed 7 years after the first date of delinquency or any inaccuracy such as the one in this complaint and previous complaints. However, in my previous disputes I have disputed the balance on the account is incorrect and both the creditor and credit reporting agencies have failed to correct or delete the inaccurate information from my credit file. As you can see in the attached copy of my credit report, the account shows a balance of {$1200.00} but the IRS FORM 1099-C shows a balance of {$950.00}. As you can see the amounts are significantly different and this is a contradiction. Therefore a violation of the Fair Credit Reporting Act has taken place. This item is to be deleted/removed immediately from all of my credit files at all credit reporting agencies for reporting an incorrect balance. Since XXXX is reporting an amount of {$950.00} on IRS FORM 1099-C, that is the amount that should reflect all of my credit files and it is not which is a deceptive practice and resulting an inaccurate credit item.Per the FCRA, a consumer ( s )  credit file must be 100 % accurate and this credit item clearly is not. Furthermore, I received correspondence from XXXX dated XX/XX/XXXX stating that they have tried to correct/update the credit limit with the credit reporting agencies to ( {$0.00} ) and they have been unsuccessful. ( See attachment. ) XXXX and the credit reporting agencies have had plenty of time to correct the information so that a accurate credit item is shown and they still have failed to do so. Please refer to the attachments : Copy of credit report showing a {$1200.00} balance, copy of form 1099-C showing a {$950.00} balance ; copy of correspondence from XXXX dated XX/XX/XXXX admitting their failure to correct/update information.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo wrongfully charged my loan with late fees that I did not owe after paying to get my vehicle back from repocession. The recovery information clearly states that late fees are included in order to recover the vehicle. I paid the car off in XXXX but noticed there were still late charges on the account that I disputed for months with their escalations team. The statement made to me was that It was applied incorrectly. I stated that it is not my fault and I did not have a choice to negotiate as I needed to recover my vehicle, therefore ; when I didnt pay for the late fees my credit score dropped over XXXX points for this alone causing me to be pushed back to getting a new home as my credit was affected tremendously.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

Account was closed and paid as agreed. Due to COVID-19 pandemic I was adversely affected due to the XXXX industry coming to a complete halt. I spoke with AMEX regarding correcting or removing the 30 day late and was assured that AMEX would not report a late on my credit if my account was paid in full. The account was paid in full and closed.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban.
Consumer complaint received 2022-12-26
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. (FL)

I'm sending in this message because as I am going over my credit report, I've noticed that over a year ago that I had a lot of weird inquires from multiple financial institutes and agencies that I am not aware of. Some that I noticed were on XXXX credit report but not on others and they happened over a span of a month, which is very alarming. It was brought to my attention when I went to go purchase a vehicle back in XXXX of XXXX and they told me that you have a bunch of random inquiries that brought my XXXX XXXX down. It alarmed me because I only have been working with XXXX place and they didn't request all of these inquiries, so I did some research and called around. Some of the places didn't know who I was when I asked and some places said that they pulled up my info but don't have any identification as if I was trying to get a car, which didn't help me at all trying to remove them after I asked. This caused me to put a freeze on all of my credit bureaus for some time as I am trying to make sure everything is accurate with my credit reports. 

At this point, all i am asking is for these fraudulent credit inquiries to be removed from my credit report as I am not responsible for of these inquiries and I've tried to reach out to the agencies to get them removed and explained that they aren't mine. I am going to be listing all XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the reports and fraudulent inquiries. 

Experian : XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these credit inquiries XXXX I didnt apply for any of these loan services or financial institutions.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

I have all the emails to prove that I was a victim of an internet scam. I wanted to purchase a dog and came across a page that had them much cheaper than everywhere else. I immediately messaged them. Puppies were sold for {$640.00}, I asked how much it'll be if I bought two, I was told {$1000.00} and {$75.00} for shipping straight to home. Then they send me an email saying that because of COVID puppies are required to ship in another crate and that the payment for the crate will be XXXX and to send it through XXXX, and that when the puppies were delivered I would get refunded XXXX. I went back and forth because I didn't have that money and all kinds of payment options were offered, like XXXX, XXXX, and even XXXX. After I saw I was getting the run around, I said I'll pick the puppies up myself in NC and I was never given the address and they were trying to make me think that the airport was holding the puppies. The shipping company they falsely used was " XXXX XXXX XXXX  '' ( XXXX XXXX XXXX ) I sent them {$1000.00} through my PNC debit account and {$75.00} through my XXXX XXXX account to a XXXX XXXX , through XXXX their email was XXXX I was so excited I was going to get two puppies that I even got pet insurances the minute I sent the money through XXXX, paying almost $ 100 monthly for pet insurance. 
Also the website is called XXXX XXXX XXXX  ( XXXX XXXX XXXX ) emails that these scammers used were XXXX XXXX XXXX ( delivery company email )
Consumer complaint received 2023-06-29
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. (DC)

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

XXXX XXXX  XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded adequately or provided sufficient validation. I kindly request your assistance in addressing this matter. I am prepared to pursue legal action to resolve this issue.
Consumer complaint received 2023-03-01
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. (GA)

XXXX XXXX  is reporting an account open and delinquent when in fact it is closed and current. They reported this after the due date of the card was changed. There are automatic payments being made on the XXXX of each month and the arrangement was made for this to happen for the next 60 months so why They are reporting the account as open and delinquent is a mystery. It needs to be either validated or removed from all reporting agencies.
Consumer complaint received 2022-12-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AZ)

In around 2015 the cosigner of my vehicle ( we had equal responsibility of the car on the title ) illegally towed my car I had made all payments on time for and brought it to the XXXX dealership we got it from and had the loan terminated from wells fargo as they traded it in for another car for themselves. I contacted wells fargo and XXXX XXXX of XXXX Arizona and they wouldn't respond or comment.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I closed this acct on XX/XX/2022 paid in full Getting bills for card late fees and interest i wrote to XXXX and XXXX and XXXX No results XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX Acct last digits XXXX
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (TX)

I am writing to dispute and request the immediate correction of an error on my credit file maintained by Credit Bureaus. Upon reviewing my credit report, I discovered an inaccurately reported late-opened account, which has adversely impacted my credit standing. 

I request that you promptly investigate this matter and correct the misinformation on my credit report. It is imperative that the correct account opening, is reflected to accurately represent my credit history. 

Furthermore, I urge you to ensure that such errors do not recur in the future and to provide me with a written confirmation of the correction made to my credit file. 

Please acknowledge receipt of this dispute letter within [ specify a reasonable timeframe ] and provide updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$4300.00}.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, as this non-compliance with the law has been acknowledged by XXXX but persists with your bureau. Upon contacting the respective banks, they assured over the phone to remove these accounts due to fraud. XXXX has already completed their report by removing the fraudulent accounts, indicating that it is indeed feasible and compliant with regulations. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ....
Consumer complaint received 2022-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2020-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ascension Point Recovery Services, LLC (NY)

I received a letter from AscensionPoint Recovery Services addressed to my estate. I was reported by XXXX XXXX who put on my credit report that I was deceased. AscensionPoint got a hold of this and is now sending me letters to my so called Estate. I am not dead. 
I called XXXX XXXX and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by XXXX XXXX  and receiving letters to collect a debt from a dead person. I really need your help.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-10
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. (AR)

TRANSUNION has ceased investigation of my credit report because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to deliberate deny my 3rd Dispute request, but I believe it to be a blatant violation of the FCRA, Failing to provide a block within 4 days of being notified from a consumer who's been a victim of identity theft. Failing to provide accurate verification within 30 days of receiving a dispute. 

You were advised by me on XXXX by certified mail with a Police Report and affidavit from the Federal Trade Commission regarding fraudulent items appearing on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

on XXXX I contacted XXXX to update my employment information on my credit report. 

I started a job on XXXX at gXXXX XXXX in XXXX XXXX  and XXXX will not update my info in my personal info
Consumer complaint received 2020-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I disputed with the 3 major credit bureaus about my 2 old accounts with Capital One on XX/XX/XXXX and received my results from XXXX  as closed on XX/XX/XXXX with incorrect information. I paid off my delinquent account with Capital One on XX/XX/XXXX but they reported my first major delinquency as XX/XX/XXXX. That is impossible if I paid the account off in XXXX of XXXX. XXXX  stated the information was verified and accurate as you can see in the attachments. The second account they just changed the numbers when I ask them to delete it because it was reporting wrong for over a year until I pointed it out while working to improve my credit report.