davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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. (TX)

The most recent letters disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are completely ignoring my letters that have been mailed over the last 6+ months!

Experian has not mailed any letters or proof/verification of any accounts to me. Experian needs to remove the inaccurate information immediately.

I have submitted multiple dispute letters to Experian, but I have received no resolution. Instead, has not responded to my letters that were mailed in over the last few months, which is a violation of the Fair Credit Reporting Act.

I demand that Experian take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance.

For the record, I am attaching the two most recent letters sent to you on separate occasions, more than 30 days ago and again 1 day ago. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report!
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NY)

On XX/XX/2021 I redeemed points and received two ( 2 ) rewards cards from my credit card rewards program. Upon several attempts at trying to use them at different stores I contacted Elan Card Services and informed them of the issue, to which I was informed that the cards can only be redeemed for XXXX products and services. I explained that in the description it only says physical cash card and does not clearly state that it can only be used for XXXX products. I no longer have a use for XXXX products or accessories. The redemption center engaged in a deceptive and fraudulent practices as it lead me to believe that the card could be redeemed for all merchandise. They sent me a letter saying that all redemptions are final and the I am stuck with {$200.00} in rewards cards which I can not use. Any assistance with this issue would be greatly appreciated and the language should reflect that the cards are for XXXX products only. I was not asking for money or points back just to trade for cards that can be used at any merchant or the equivalent gift cards for other merchants.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (CA)

Collection Bureau of America : Hasn't given me the opportunity to dispute this debt nor did they validate debt within 30 days. 

This isn't my account I have asked for proper validation of debt, I have asked for signed contract or copy of my drivers license. 

This company sent me a document with an incorrect address for me. 
I live in the XXXX XXXX  my address is XXXXXXXX XXXX XXXX XXXX CA XXXX this company finally sends me a statement after I requested 3 times, a statement from the original creditor it hadn't had my correct address... I live in a XXXX XXXX XXXX  with XXXX XXXX the address they had wasn't the XXXX XXXX  which is my studio I live in I have spoken with collection reps from this company, they are rude and refused to listen and investigate this matter. 
They stated this account was opened in XXXX, I let the rep know my wallet was lost and all my cards were replaced
Consumer complaint received 2022-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may payment on a credit card acco open end consumer credit plan Purpose
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Bureau, Inc. (GA)

I rented from someone that has many properties. I worked for him XXXX  and also made payments every month in the amount I signed my 12 month lease for. I dealt with terrible conditions of this trailer for 12 months. There was a water leak that was never fixed that caused big hole in the floor. I asked them to fix and was never fixed there was a bedbug infestation from the time I moved in up until I moved out at the end of my lease. He never did anything and my children got sick from it.. Also mold that was never fixed. After my lease was up I moved and I told him I was leaving that I would not renue my lease because he never moved me out of the home nor did anything about the conditions, he sent off documents stating that I moved out 3 months before my lease was over and that I owed him for them 3 months and as well as charging me for the conditions of the trailer in the amount of XXXX bucks.. I have all documents proving I do not owe anything and as well as conversations between him and I about the conditions of the home.. As well as every recipe for rent for every month.. I am taking him to small claims court because this is wrong.
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the fair credit reporting act, 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 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 consent.
Consumer complaint received 2022-05-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/XXXX I opened a 10 month CD with a stated APY of 1.10 % and stated interest rate of 1.094 %. On that same day, I funded the CD with {$120000.00}. On XX/XX/XXXX I received a letter stating that the CD would mature on XX/XX/XXXX and that the estimated balance at maturity was {$120000.00}. Based on simple math ( i.e. ignoring the impacts of compounding ), I felt the balance at maturity was understated. My simple math was as follows : {$120000.00} initial balance x 1.094 % interest rate/365 days per year x 306 day term ( XX/XX/XXXX through XX/XX/XXXX ) = {$1100.00}. Based on that math, I felt the balance at maturity should be at least {$120000.00} ( {$120000.00} initial balance + {$1100.00} interest ), which suggests to me that the balance at maturity I was provided was understated by at least {$270.00} ( {$120000.00} per my math less {$120000.00} provided by Marcus ). On XX/XX/XXXX ( i.e. the day I received the letter ), I called Marcus Customer Service, explained my concerns and requested that they provide details as to how they derived their figure. I spoke with a gentleman named XXXX and ultimately asked to speak with his supervisor ( XXXX XXXX. Both told me that they could not provide specifics about calculations for my account. However, they said that they would submit a request and that someone would get back to me within two business days ( either by phone or email ) and provide me with a day by day summary of their interest calculations. It has now been four full business days and I have had no response. With that as background, my request is to either get supporting detail for the {$120000.00} balance at maturity they provided or to acknowledge that their calculations were incorrect and to provide me with corrected ones.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (SC)

I have XXXX inquiries on my credit report that are done outside of my knowledge without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (TX)

There is a debt collection in on my credit report in the amount of XXXX dollars. The collection agency is Tek-Collect Inc. This is on behalf of XXXX XXXX XXXX PA in XXXX TX. This is apparently for dental work performed in 2017. I have never had any dental work done by this dentist. No one has contacted me about this outstanding debt. No paperwork has been sent to my address. No one has contacted me by phone. I have no knowledge of this debt. I want to see the original invoice for this transaction but I get the run around from this company.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (WA)

I sold a property to a buyer on XX/XX/2019 after he provided a Credit Approval Letter from Fairway Mortgage Co. dated XX/XX/2019. The property was XXXX XXXX of a formal plat scheduled to be final in mid-XXXX. The seller of the property was to be paid-off in XX/XX/XXXX and the Credit Approval Letter had two pages representing " certainty '' of the buyers funds. At the end of XXXX, the buyer and seller signed at escrow and the funds were wired to escrow. Within an hour of wiring funds, Fairway M.C. contacted escrow and told it to hold the recording. On XX/XX/XXXX, the Senior Mortgage Advisor emailed escrow saying the buyer was not approved for the loan so the lender requested a reverse wire and the sale was terminated. We had ample time to sell the property but accepted the offer from this buyer based entirely on the guaranteed Credit Approval from the lender. I was forced to obtain a hard money loan that would close on time to pay-off the seller. This loan has a {$7500.00} fee and 12 % interest with a minimum 4 months interest charged equaling {$22000.00}. I contacted the Branch Manager,  Mr. XXXX XXXX over the phone and sent 3 emails showing the Credit Approval Letter and emails between escrow and Fairway at the end. There has been no reply to the email and no follow-up phone call as discussed. Mr. XXXX 's phone number is XXXX and his email address is XXXX fairwaymc.com
Consumer complaint received 2019-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken ()

Hello! 
Bassicaly i am trying to log in into my account into Kraken and it's saying account temporary disabled and i contacted Kraken and ask why is that, they asked me about my email i don't remember ( 8,9 years ago in the XXXX ) and they said to look thru all emails altough i didn't do nothing wrong was easier to log in and change the email from there or they could have done if wanted to help.Insteed i got the same answer over and over again and sent the same form i have already complited once but no answer why i am not being let log into the account.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I had an account with XXXX XXXX linked with autopay XXXX XXXX  XXXX XXXX Credit Card. I closed my account with XXXX XXXX in beginning of XX/XX/2017. Thereafter I requested XXXX XXXX XXXX to freeze my account and they never completed my request. A charge of $ XXXX/- came through for XX/XX/2017 fraudulently from XXXX XXXX for the entire month. I disputed the charge with XXXX XXXX XXXX Card with all supporting documents ( including vacated unit receipt from XXXX XXXX ). XXXX XXXX did not help me kept adding late charge and reported me to the 3 Bureaus as Charge off $ XXXX/-. As a result my excellent credit scores maintained all these years went drastically down. As a result my financial situation got effected and my mortgage is still sitting unapproved. I contacted all the three bureaus with similar dispute and all supporting documents and as a result XXXX XXXX and XXXX recognized the fraud and deleted the charge off from XXXX XXXX from my account and report as a result my XXXX XXXX score went upto XXXX and XXXX to XXXX. Unfortunately, Experian has still not helped me inspite of repeated calls, disputes and emails. My score still sits at XXXX. This is very frustrating and ridiculous my financial condition is still effected and my mortgage approval is in limbo. Please help me.
Consumer complaint received 2023-01-04
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. (OH)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-06-12
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. (SC)

XXXX IS AN ACCOUNT THAT I HAVE NOT OPENED OR AM I AWARE OF IT. 

XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT NOR DID I AUTHORIZE THIS ACCOUNT ORIGINAL CREDITOR XXXX WITH THE SAME ACCOUNT NUMBERS ACCOUNT NUMBER XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

At around XX/XX/2022, I received an alert for a change on my credit report. Upon researching this I identified a hard inquiry from XXXX XXXX XXXX I have not applied for anything recently, nor have I ever used XXXX XXXX XXXX  Upon calling the company it was brought to my attention that someone had used my identity to try an open up a credit card account. XXXX XXXX XXXX  directed me to complete a Identity Theft Report available on the Federal Trade Commission website which has directed me to this site to complete this form. Upon completion of this form I will send the necessary documents back to XXXX XXXX XXXX  in order to have this hard inquiry removed from my credit report.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-05-03
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: SYNCHRONY FINANCIAL (NV)

In accordance with the fair credit reporting act a XXXX account, has violated my rights. 

15USC 1681 Section 602 : States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  account # 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.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avant Holding Company, Inc. (CA)

I have sent out a letter via mail and email to Avant at the following email XXXX and sent a letter that was returned as the following address that they provide is not valid at Avant ATTN : Resolutions Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # 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.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

In 2015 I was involved in an accident, which resulted in my vehicle being deemed a total loss. On XX/XX/15 my insurance company, XXXX XXXX , paid Regional Acceptance Corporation {$12000.00}, the fair market value. Any deficiency was covered by my Gap Insurance with XXXX XXXX XXXX. 

I received information my account was paid in full. However, it is currently showing up on my credit report as a chargeoff with numerous late payments. This is inaccurate. 

I've requested a full accounting record from Regional Acceptance, and disputed this matter with the credit bureaus requesting this inaccurate information be completely removed from all credit bureaus. To date, I have not received a full accounting record of all charges, and the information is still appearing as a derogatory mark on my credit reports.
Consumer complaint received 2018-10-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I currently have an escrow account with Wells Fargo that was established after attempting to have my loan modified. I have documents from Wells Fargo during this process that stated that the escrow account would be removed if I did not qualify for the modification ( which never happened ). I was a victim of their predatory lending practices when they took over XXXX XXXX XXXX loans. I have submitted numerous complaints though CFPB regarding their lending practices, but they always find a loophole to wiggle their way out. This complaint is in regards to my property tax. I have made a formal request with Wells Fargo to pay my property tax independent from them. I am able to pay the first installment now, and will have the money to pay the second installment when it comes due. This is important to me since if Wells Fargo pays my property tax, it will increase my current mortgage payment which is already over {$5900.00} dollars a month ( at 7 % interest rate ). The representative I spoke to said that I would not qualify to pay the property tax on my own, and that they will pay it and my monthly payment will increase in XXXX. This is not fair! I feel that Wells Fargo is trying to push me out, and force me to loose my home. I'm mostly submitting this, just so it can go on record somewhere, because I'm sure like with other investigations by Wells Fargo, they will find a loophole to continue their unscrupulous practices.
Consumer complaint received 2018-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XX/XX/XXXX, XXXX, XX/XX/XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XX/XX/XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

RE : AFFIRM I have made numerous attempts to remove this debt credit report. I've submitted a police report, contacted the company, and contacted the credit bureau and the debt is still showing up on my account and I want it removed Please expedite the removal of this debt.