davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Auto is reporting erroneously on my credit file. I recently took a look at my credit and noticed that this loan is reporting as a charged off debt. I was never aware that this account had been charged off as I have been making my monthly payments and continue to make monthly payments. I was never called or notified or even receive statements that my account had been charged off. I ask that they please remove the charge off status, this is a good open account.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed I file a dispute in regard to incorrect items on my credit report it has been well over 30 days and I've not receive any investigation results.15 U.S. Code 1681i - Procedure in case of disputed accuracy. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.
Consumer complaint received 2024-02-14
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. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX  XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (TX)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Last year 4 amounts were withdrawn from my account, with a card that was not mine, at an ATM of the same bank, ATM Withdrawal auhtorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, retired XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX. 

Wells Fargo Bank has not been responsible and does not provide me with proof of withdrawals that I did not make, I have sent a letter and no one explains what happened, the border has been closed for more than a year, and I can not cross with tourist visa. 
They made fraud with my data. the bank did not protect my account.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (LA)

Santander consumer pressured me into purchasing a XXXX XXXX XXXX a XXXX car into a XXXX plus deal with 26 % interest on the loan when I could barely make it. I was in the military and they scammed good not even giving me at 10-15 % options when I was XXXX years of age with a wife and child I was picking between paying my car note or putting food in our mouths. Along with XXXX XXXX in XXXX, La. They sold off the the sub prime loans and didnt tell me and in XXXX they didnt offer any relief during COVID-19 pandemic and wont release me my title to the car I was scammed into buying.They constantly threaten me with letters of repossession even when I would be on time with payments.
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Collection Connection (CA)

ON XX/XX/2017 XXXX XXXX XXXX WAS FOUND BY MY CREDIT CARD COMPANY XXXX THAT THE CHARGES THE COLLECTION CONNECTION IS TRYING TO COLLECT FOR WAS FOUND TO BE FRAUD AND MY CREDIT CARD COMPANY REVERSED THE CHARGES BACK DUE TO FRAUD. 

I AM RECEIVING LETTERS FROM THE COLLECTION CONNECTION AND THEY ARE TRYING TO COLLECT ON THIS AMOUNT THAT IS FROM XXXX 2017 THIS WAS DEEMED FRAUDULENT AND CHARGES REVERSED BY MY CREDIT CARD COMPANY.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that are not mine. I have reached out to the FTC and to my local department. Please move them from my credit. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  AND XXXX. There were also some inquiries that are not mine as well, XXXX XXXX XXXX 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 I am doing this on my own behalf.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

I XXXX XXXX XXXX XXXX state to the best of my knowledge and abilities that the below statement are true. As my written affidavit. 

I XXXX XXXX have a saving account with Marcus Goldman Sachs account number XXXX or XXXX Date of birth XX/XX/XXXX SS last XXXX XXXX I first had problem logging into my account Then I request for XXXX XX/XX/XXXX to be transfer to my card. I ; : m being told by Marcus Goldman Sachs they must send me a affidavit to my old address I no longer reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I inform them i ; : m no longer at that address. I ; : m in XXXX  and need it to be sent here in XXXX I should be able to send them a copy of my government issue driver license front and back to their verification department with a sworn statement even a picture with me holding my identification up to my face. 

I get this with XXXX banking now this. Banking account. As if someone is tracking malicious attempt to keep me from having access to my own banking account funds and information. 

Embezzlement of consumer banking funds
Consumer complaint received 2024-02-14
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. (PA)

I am writing to dispute the following information on my credit report, and I found the following unauthorized credit inquiries made by the following companies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX These inquiries were made without authorization and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 Section 604 of the Fair Credit Reporting Act.
Consumer complaint received 2022-01-21
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)

There are two alleged derogatory collections on my XXXX and Experian consumer reports from XXXX XXXX XXXX for {$13000.00} and XXXX XXXX XXXX for {$5900.00}. These are not on my XXXX consumer report, and they should not be allowed on my XXXX or Experian consumer reports. I did not give XXXX permission to place these two alleged collections on my consumer reports, and by law, they have to ask the consumer for permission. I did not permit them to provide this information to my consumer reports.
Consumer complaint received 2024-02-14
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. (TX)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc. (IN)

A place of harassment by the name of Monarch Recovery keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe Monarch/XXXX  XXXX XXXX ANYTHING and I am tired of the harassing calls and mail.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (WA)

I paid XXXX XXXX before loan was transferred to Navient in XXXX. I have no record because I bank with a different bank Shows XXXX day late without XXXX or XXXX day late. 

All three bureaus show different information Account was in litigation while they reported late They failed to investigate disputes I disputed loans all XXXX XXXX all disputes were not investigated and verified accurate. 

Just disputed again last month and failed. I called to have them remove late payment and they would not do it. Even agreed to pay for a loan that was already paid off.
Consumer complaint received 2021-05-11
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. (CA)

On XX/XX/21 I sent an affidavit of truth stating that Equifax violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked for a verification of the accounts. Since they claim the accounts were verified and accurate, I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in the following accounts. 

Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America credit card that I've used since XX/XX/2018. The very first things I do when I get a credit card is setup the online account access and setup recurring automatic payments from my checking account. I did the same for this Bank of America credit card. I had automatic recurring payments to pay my full statement balance. I used the credit card in XXXX for a small charge of {$40.00}. I don't check my online account because since the very beginning it has been setup to pay the full statement balance. Two months later, in XXXX I check my credit score and it seemed to drop over 50 points from two different credit bureaus. I log on and there was XXXX missed payment from Bank of America. It was that {$40.00} charge. 

I immediately log onto the Bank of America XXXX and pay the bill and call customer service to explain what happened. Bank of America flagged my account and rerouted the call to the collections department, even though I had already payed the bill on the app. He wasn't able to help and he redirected me to a different department to file a compliant. It turns out that the complaint is just to complain and give feedback, not to actually file a resolution. This wasn't helpful at all for me. This person shared with me that the reason why this missed payment occurred was because I hadn't used my credit card in a while and due to that, the automatic payments could've failed. This person transferred me to another person who also couldn't help and then ultimately transferred me to someone else who helped me file a ''Credit Bureau Dispute ''. My case number with Bank of America is XXXX. This person assured me that due to me looking for my mortgage in the near future and since my credit score dropped over 50 points due to no fault of my own, that someone would reach out to me via phone within 1 week to discuss this matter and find a resolution. I get no phone call and end up calling back customer service and after giving the case number and explaining the situation, they just say that they can't help me and to wait for a letter in the mail and this could take up to one month. This is unacceptable. I have over 15 credit cards and over {$70000.00} in credit available to me by over a dozen financial institutions. Never has any of my automatic payment systems failed with any of them. It's ridiculous that for someone who has utilized the system and done everything correctly with Bank of America, that they have no internal processes in order to fix their errors in this matter. Ive been bounced around different departments like cattle. Absolutely horrific.
Consumer complaint received 2021-05-11
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)

There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NY)

I applied for and received a new credit card that stated that there was an introductory rate of 0 % APR on balance transfers for 18 months and received paperwork to that effect. I initiated a balance transfer from a high interest credit card on XX/XX/22. Today I received a letter stating that interest would accrue starting the date of transfer. I called the company to question this and the contact person would not discuss the introductory rate. I attempted to cancel my card and cancel the balance transfer, but was told to contact my financial institution. I don't understand this as my bank has nothing to do with this. I did call the credit card company where the transfer was coming from and they said that they couldn't stop the transfer. Frankly, I not sure that the person I was speaking to understood completely what I wanted. I feel that I was mislead by the new credit card company.
Consumer complaint received 2024-02-14
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)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/2023 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 XX/XX/2023
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.