davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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)

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE ; YOUR RESPONSE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX The above noted personal identifiers are the only requisite I authorize, please eradicate ALL OTHERS AS PREVIOUSLY REQUESTED ON XX/XX/XXXX. BLOCK any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. 

I XXXX XXXX to Experian Consumer Reporting Service this is a request for your agency for an INDEPENDENT INVESTIGATION into each of the inquiries listed below. Your response to my first request to have UNAUTHORIZED INQUIRIES REMOVED makes no sense at all to me. ANY INFORMATION you retain, or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility. UNAUTHORIZED and or possibly FRAUDULENT certainly unproven to be compliant with mandated proof of permissible purpose Credit Inquiries by Creditors on my Consumer Reports. I am requesting compliant proven permissible purpose that allows your agency to retain, report, and share lawfully the listed inquiries. 

Each inquiry listed below is ALLEGED NOT PROVEN COMPLIANT INQUIRY OF PERMISSIBLE PURPOSE PERMANENT IMMEDIATE DELETION IS DEMANDED. I COMPEL YOU TO DEMONSTRATE THE MANDATED PYSICAL VERFIABLE PROOF SENT TO ME. I REQUEST BOTH SOFT INQUIRIES SHOULD BE INVESTIGATED AT THIS TIME ALONG WITH HARD INQUIRIES. PHYSICAL PROOF REQUIRED FROM EACH. 


HARD INQUIRIES LISTED IN MY COMPLAINT THANKS FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER EXPERIAN INQUIRIES XXXX CREDIT XXXX XXXX SALE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX SOFT INQUIRY SHOULD ALSO BE INCLUDED IN THIS INVESTIGATION SOFT INQUIRIES FOLLOW THE SAME INVESTIGATIONS I REQUEST. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) MANDATED PHYSICAL VERIFIABLE PROOF I AUTHORIZED EACH INQUIRY WHAT PROCEDURES USED TO VERIFY PROTECTING MY IDENTITY AVCD- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE AUD- PLEASE PROVIDE I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE THIS INFORMATION WITH THESE ORIGINAL CREDITORS PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF NON-COMPLIANCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

XXXX XXXX XXXX ( g ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (CA)

I requested American Financial to drop my PMI and they responded with email instructions- for me to either send check for {$100.00} for a BPO appraisal or a check for {$320.00} for a full appraisal. I followed the instructions precisely and mailed a check for {$320.00} along with a letter requesting the full appraisal as well as the email request with the full appraisal instructions highlighted. 
They cashed my check for {$320.00} and I received a call from an appraiser that he is coming to do a XXXX appraisal. This is not what I requested or paid for. I called American Financial to resolve the issue and was told they offer no phone support. They sent an email which could take up to XXXX for a reply. I would like to speak with someone as soon as possible to resolve the error. And I would like them to schedule a full appraisal ( as requested and paid for ) immediately. 

I would also like to note that I have so many problems with American Financial. They never pay my homeowners insurance correctly or on time. I have to call them constantly to fix mistakes and their customer service is awful.
Consumer complaint received 2023-10-25
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. (FL)

This auto loan from XXXX , XXXX ( asset back security ) reported to my credit profile under the account of XXXX XXXX XXXX is providing negative, adverse, and fraudulent claims leading to delinquency. I have no knowledge of this contract disclosures and agreement to report such information. As a result of my investigation into securities fraud committed by the company, the company chose not to comply with my rights to the matter and deny me documents requested. 


The company reported the account as " charged off '' or " written off '', but in response ( out of non-compliance ) that the debt is not discharged.

Violation of ( 1 ) Sections 702 ( g ) and 706 ( a ) and ( b ) of the FCRA
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (IL)

On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. 

On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. 

I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.
Consumer complaint received 2018-10-02
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 (VA)

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITALONE with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I have made several. attempts to, fix monitor, and correct errors on my EQUIFAX credit file. It seems as if each, and when it's time for me to obtain a free copy my annual credit report, either my account is locked or I'm unable to login to get it. I then have to end up calling Equifax directly. When I call, their system leads you to believe that you have to submit a request in writing and send two forms of identification when you do. It is usually at that point where I call Equifax 's credit monitoring dept. and share with the rep that I'm locked out of my credit file and they get me into direct contact with a rep within company that fixes and unlock my file right then. This seems really peculiar because in the midst of all of this, EQUIFAX reports my score SIGNIFICANTLY lower than any of the 3 major credit bureaus, and this has been happening for sometime. XXXX  currently has my score at XXXX, while Equifax has it at XXXX. I understand that there may be some difference, but it shouldn't be by over 40 points in the midst of NOT being able to get, or have access to your credit in efforts to correct or address anything on there that may be causing this on my ( the consumers ) end.
Consumer complaint received 2022-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

Due to Fraudulent acitivity on my account Capital One shut my card down. As a result of Fraudulent Activity When I asked them to send me a new replacement Credit Card I was told I have to faq over a copy of my State ID.Card to prove that I am that I say I am, but when I applied for the card they nevernasked me fir my ID then.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : 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 XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (TX)

Netspend All-Access has a hold on my money in my checking account. I get XXXX  XXXX deposited once a month and have been having this deposit for years with Netspend. This month i went to withdraw my funds that were deposited and Netspend would not allow me to have my money stating I owed money on other accounts. I do not have knowledge of other accounts. They could not tell me anything about these accounts other than they had high negative balances and they were not giving me my money until I paid off those accounts. I can not get them to investigate those other accounts, I can't get any information regarding these other accounts. I'm XXXX and that money is the only money I have to live on, i purchase my medications for my illnesses, i see my doctor, pay my rent and utilities and pay my car payment. Everything is due right now and i can't pay anyone because Netspend will not let me have access to my money. This started XX/XX/2022. I will lose my electricity, my car will be past due, i will lose my insurance, phone, and most of all, i can't see my doctor on Tuesday and get my monthly medications which I must have. They simply will not help resolve this issue. I feel it is fraudulent because I do not owe any money to them and if they are a prepaid company, how is it anyone could even owe money. They will not help me.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CA)

My due date for my payment was scheduled for XX/XX/2023. I contacted via email two weeks before. I did not get a response. I called multiple times the following week and was on hold for over 40 minutes numerous times and never got through to a representative. Instead the call would state to call the exact number I was on the phone with already ( XXXX ) XXXX and would hang up. This happened multiple times throughout the day and on different days of the week. I continued to follow up with another email. Again, no response. Due date approached and I was unable to make the change for my due date thus considering my payment late. I continued to email and call and still have not received a response and it is now XX/XX/2023. This is frustrating because I have other questions regarding my payment and loans and I continue to not get a response. I am currently on the phone and have been on hold for the last 47 minutes. I understand that with the new payment restart dates for everyone they may be busy taking calls, but I have zero hope of even getting an answer despite waiting for the last 47 minutes.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied online for a PayPal credit card issued by Synchrony Bank under arrangement with PayPal. A reference number was provided and the bank sent me a special e-mail address to contact them in writing, because I am unable to do so via telephone ( XXXX ). I replied three times and instead of help or support in writing, I received automated " please call us '' e-mails, after telling them three times that I only communicate in writing. Completely disorganized and incompetent institution, rejected a potential customer due to lack of procedure.
Consumer complaint received 2022-09-24
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

I have always had excellent credit. This last month I noticed a XXXX drop in my credit rating. I found that a credit card was compromised during a two-month period for monthly payments of {$28.00} each. This has since been corrected, but how can I fix the credit report?? I am devastated.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted Equifax and XXXX to address these matters. Equifax basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened an account on XX/XX/XXXX. 
Truist website was supposed to take me to a webpage to fund the account via credit card. 
The website did not redirect and instead went to a confirmation page. I followed the instructions to create my online access to the account. 

I forwarded {$1.00} to the account and then set up ach transfers which require verification in approximately 5 days. 

I received the email to verify my ach accounts and went to log into the truist site. I could not log in. I called and was informed that the account needed in person verification. I went to the bank to verify on XX/XX/XXXX, and the bank attempted to reach the fraud department to confirm that I verified in person. The fraud team did not respond. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from truist advising me that the account was closed. I was advised not to submit any deposits, stop all withdrawals, and that I would receive a check mailed to my address on file within ten business days of the letter. A day later, I received a bank statement dated XX/XX/XXXX confirming a positive balance of {$1.00}. 

A month later after XX/XX/XXXX, I received another bank statement. This time the bank statement showed my account as open and they have now charged me a {$12.00} maintenance fee. The account is now $ XXXX. 

Two branch officers refuser to assist me. They said that the first time I went into the branch the branch employee could have verified and fixed my account and because she did not it was her responsibility and not theirs. 

The fraud team thinks I submitted a fraud request due to unauthorized use of my account. I did not not submit this request because no one has used my account/ Truist puposely kept the account open past XX/XX/XXXX despite the XX/XX/XXXX letter telling me the account is closed. Truist needs to reimburse the {$12.00} fee, give me back my {$1.00} and close the account.
Consumer complaint received 2022-09-24
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$310.00} XXXX XXXXXXXX XXXX XXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

Never missed a payment for conns purchased new bed as an add on Was told at conns to tell them if they called payment would be due in XXXX and they keep calling up to 10 times a day!!!! I have screenshot of them calling back to back even after I told them to stop calling
Consumer complaint received 2017-12-06
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 (CO)

Due to Wells Fargo keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until XXXX sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED WF  credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. Wells Fargo denies any further fraud after their investigations. I will forward copies of all of it to CFPB.
Consumer complaint received 2017-12-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

This agency is currently reporting a debit on my credit report without proper licensing and documentation. I have written multiple letters directly to XXXX XXXX staying that I was unaware of the debt. I was not properly notified before the accounts were sent to collections. It also states in the letter that the information reported is incorrect please validate the debt and stop reporting until the debt is validated by myself/ please delete due to inaccuracy of reporting. Instead of deleting the accounts from my credit report due to incorrect reporting information and no proper notification of debt. They decided to update the incorrect information that was being disputed at the time. 

The state of Texas also requires a license or surety bond for debt collection purposes. National Credit Sysyems is currently collecting on credit report in the amounts of {$140.00} and {$500.00}. The address reported on my credit report is XXXX. XXXX XXXX XXXX, Ga. This company and address is currently not registered to collect from this address in the state of Texas. I would like these accounts to be removed from my credit report.