davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. It has now been 60 days since I have sent this letter to investigate further into These items as they are not validated to be specifically mine. Section 611 ( a ) states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my report and once again, it has now been 60 days!! So both items need to be deleted immediately or I will file for litigation due to the XXXX you caused me!! Further, I need the letter I sent responded to with ALL the questions answered.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has reported 3 of my credit card accounts as Past Due but none of my credit reports contain the required Metro 2 field of Date of First Delinquency to comply with the FCRA and Metro 2. XXXX XXXX is NOT Metro 2 Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into Metro 2 and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX XXXXXXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for Metro 2 Reporting obligations. My account is disputed in its entirety yet XXXX XXXX does not report my account as disputed. Follow Metro 2 guidelines and report my account permanently as Disputed.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (VA)

I advised my credit card company ( Chase ) I had been exposed to XXXX  and couldn't travel. The company 's representative, who refused to identify himself, told me I need medical documentation to get a refund for a {$400.00} flight. I don't know if I have XXXX, I just know I was exposed to someone who tested positive and I spent a significant period of time with them. I don't have medical documentation, I was just trying to protect people. I supposed Chase would like me to get on a plane regardless of XXXX   exposure.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I initially signed up for a one year service contract with XXXX from a man who had come door to door during the summer. I paid for the contract with my credit card and was told that they would email me the documents, which I never received. There must have been a mix up, because they called shortly after I initially signed up stating that they had not received payment, so after checking my account I again gave them my credit card information. They performed the services for the year that I had agreed to. 

The contract expired and XXXX automatically renewed it without my authorization. I attempted to call several times and was placed on hold for long periods of time. I finally reached them on XX/XX/21 and they cancelled the contract, but continue to bill me and have now sent my account to collections. I reached out to XXXX directly on XX/XX/21 via text and they told me that if I paid what was owed they would reverse the credit reporting, but I do NOT owe this debt. I asked the gentleman to send me a copy of the contract that I signed and he emailed me a blank copy of a contract that said contracts would be automatically renewed, but since it was a summer sale he was working with the branch to get a copy of the contract with my signature. I still have not received anything. 
I have also disputed this debt with the collection agency that XXXX is using. 
I do not want this one issue to tarnish my good credit record and I believe I have been more than fair in trying to resolve this issue.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

In XX/XX/XXXX I had an identity theft issue due to security breach so I froze my credit info with credit reporting agencies. It is now XX/XX/XXXX and I am unable to unfreeze anything with Experian. Based on my own research this is a common issue for people. I am trying to apply for a bank account and can not open the account due to my credit info being frozen. It is impossible to reach anyone ( meaning a live representative ) at Experian, at any number. They never sent me a PIN. There is nothing I can do online. Basically there is no way I can communicate with this company at all to try and resolve this. I am completely stuck.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was defrauded by a third party for three amounts of {$89.00} and not refunded by this bank after repeated attempts to explain what happened. My treatment at the hands of the bank was appalling.
Consumer complaint received 2023-01-23
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: HireRight Solutions, Inc. (IL)

According to the Fair Credit Reporting Act i am intitled to XXXX free credit report every year and Hire Right is violating my US constitutional right by refusing to send it to me.Hire Right claims that i asked for a credit report instead of a consumer report but according to XXXX credit report is a consumer report.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NC)

Payments not properly applied. XXXX fees applied when they werent supposed to be ( during XXXX ). Improper repossession. Then a high balance after repossession and repeated harassment by XXXX after repossession.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I recently disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. I disputed these accounts because they were being reported inaccurately. XXXX XXXX  did not respond to my validation letter, XXXX XXXX refused to validate the alleged account, XXXX XXXX XXXX did not send a contract with my signature on it and was asking me to send them information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. XXXX XXXX were disputed on the basis of payment history and closure date. Equifax verified all these accounts to be accurate. I requested an investigative report for these accounts in affidavit form but I have not received any information. I, XXXX XXXX, consumer, the original creditor, do not validate any of the alleged balance owed on XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and have been disputing these accounts for months. Equifax has violated my consumer rights. Equifax has violated 1681 ( a ), 1681 ( b ), 1681 ( a ) ( 4 ), 1681b ( 2 ), 1681c ( f ), 1681e ( b ), 1681e ( a ), 1681g ( a ) of the FCRA.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

Equifax : On XX/XX/2024, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I applied for a position at a hospital. XXXX XXXX (XXXX   XXXX) ran a background check on me, which is perfectly fine. However, when I viewed the background check, they have my SSN being issued between XX/XX/XXXX-XX/XX/XXXXand I was born in XX/XX/XXXX! Additionally, they have that I went by 3, yes-count them, three different names! I have NEVER went by another name in my life! This is a real issue! Is this from Experian? What on earth is the problem?!?!? Has my identity been stolen?!?!? Is this part of the reason my credit has gone down?!? I desperately need some help with this as you can plainly see. Please, please someone get back with me on this! Thank you very much for your speedy response.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (TX)

I have disputed the balance reported on my credit report withe XXXX  twice. I have contacted the Collection Agency and the Client to resolve the issue. The client provided me with a  statement that validates my balance is XXXX. I also provided a detailed statement from my insurance provider that shows payment was processed. I actually owe {$83.00}, which I am more than willing to pay. However, the balance reported needs to be corrected.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 there was a charge on my checking account with Bank of America in the amount of {$1400.00} and on XX/XX/XXXX another charge in the amount of {$390.00} through a merchant that I previously used for my business. The merchant is a remittance center that I used to send international transfers in the past for products for my business. I did not authorize these XXXX charges and I was not aware of them until my bank sent me a notification saying my funds were low and thats when I viewed all transactions and noticed this issue. I immediately contacted Bank of America and started a fraudulent charge claim on XX/XX/2021 they cancelled my debit card and sent me a new one and informed me to look out for the claim status within XXXX  days. Today is XX/XX/XXXX and I got a notification that my claim has been resolved but not paid. I did not authorize those XXXX transactions on my account and the bank needs to refund the money to my account and resolve this issue.
Consumer complaint received 2023-02-11
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violati my nonta 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 XXXX XXXX XXXXXXXX. 
Closed on XX/XX/XXXX XXXX XXXX  Opened 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
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Exeter Finance, LLC. (NC)

I have been reaching out to Exeter Finance for the past 30 days to obtain a charge off letter for my charged off account or a 1099c. Company stated that they can not provide a charge off letter. Ive made im numerous request for a 1099c but still have not received anything. Every time I call to follow up I am told it will be emailed in 48hrs but I still have not received anything after 30 days. Customer service is not sure why and can not allow me to speak to the department that sends out the form they can onky keep creating request. Its been request 3-4 times. Still nothing. This account was charged off years ago. 

I have a recorded phone called ( agreed by both parties ) confirming account charged off. Can send via email if possible.
Consumer complaint received 2024-01-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S (CA)

XXXXXXXX XXXX XXXX authorized Suttell & Hammer XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXXXXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by XXXX. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that XXXX and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been an extremely difficult time for me and my family.
Consumer complaint received 2023-01-23
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. (IL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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. (IL)

I am creating a new complaint as a follow up to complaint ID XXXX that was closed without a resolution. Essentially, Equifax has claimed that my credit file does not exist in their system, despite verifying with all my lenders that they have been sending my credit history to all XXXX credit bureaus, including Equifax, with the correct information. 

I have now contacted Equifax for the XXXX time, previously faxing XXXX pieces of documentation to verify my identity -- A passport, W-2 ( which includes the SSN # ), a utility bill with my current address ( XXXX  internet bill ), as well as a recent bank statement that includes my current address -- and have been turned away saying that this does not match their records. This time they told me to return their response letter with documentation verifying my identity and current address. 

Once again, I am receiving credit reports from XXXX and XXXX with no issues, but not Equifax despite having a significant credit history. 

I have mailed XXXX pieces of documentation as requested ( XX/XX/21 ), my latest paystub with my full name, current address and SSN, as well as a copy of my driver 's license with my full name and current address. I am applying for a home mortgage and this blank credit report from Equifax is preventing me from doing so. This is the last time I intend on sending documentation to get this resolved before I'm forced to take legal action against Equifax.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One is trying to steal my money! I've had an account with Capital One for years, both savings and checking. All of my paychecks, tax returns and stimulus checks and any other checks I received were deposited into their bank. On XX/XX/21, I received a pension check from a government agency. It was dated XX/XX/21. They had my name spelled wrong on the check. I don't know what other problem there was but they couldn't verify the check. So, the first two customer service agents in their " PROTECTION DEPARTMENT '' only denigrated me and put me on terminal holds. The third one tried to call the government agency but they were already closed and were closed the next day for the holiday. That was XXXX. This is XXXX  I've been on hold and talking to people for nearly XXXX hours. All they need to do is verify the check with the government agency but no one is willing to do that. They say they can't release the freeze on my account without verifying the check but they won't verify it. After reading the horror stories on here, I'm extremely concerned about getting my money. I have bills to pay. They told me to wait for it to go to an investigator then they would close my account and send me a check and many people on here said they never received a check. So, I think they're trying to keep my money.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently disputed the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX with Transunion. I disputed these accounts because they were reporting inaccurately. I sent validation letters to each of these creditors. XXXX XXXX did not respond, but Transunion verified this account as accurate. XXXX XXXX XXXX did not send a binding contract with my signature on it and was asking for me to send them information, but Transunion verified this account as accurate, XXXX XXXX refused to validate my account, but Transunion verified this account as accurate. I, XXXX XXXX, consumer, natural person, the original creditor, do not validate any of these accounts or alleged amounts. I have been disputing these accounts for months. Transunion is violating my consumer rights by furnishing inaccurate information onto my credit report. I requested investigative reports from Transunion in affidavit form and I still have not received any information. Transunion is in violation of 1681 ( a ), 1681 ( b ), 1681 ( a ) ( 4 ), 1681b ( 2 ), 1681c ( f ), 1681e ( b ), 1681e ( a ), 1681g ( a ) of the FCRA.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.