davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

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 not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.
Consumer complaint received 2022-05-06
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 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 not treat a payment on a credit card account under open end consumer credit plan as late fr purpose.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (IL)

Hi I had a Wells Fargo account an I would have money inside of my savings. I would transfer the exact amount of money from my savings every time I made a purchase. But when I look up Wells Fargo would charge my card for the purchase and then a couple days later my account would go negative. It got to the point they overcharged my cart {$200.00} and I was in the negative.
Consumer complaint received 2023-07-13
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: Self Financial Inc. (GA)

Over XXXX year I sent {$4800.00} per month to Self Financial for a credit builder account. I completed that program successfully after 12 months. As well, I applied for a VISA account with Self Financial which was granted ; however, over the last 12 months Self Financial has neither reported my Credit Builder Account nor my VISA account to my XXXX credit bureau and in result of that, my credit bureau with XXXX is far lower than my other credit scores. Repeatedly over 12 months, not less than XXXX times, I have approached Self Financial. They refuse correct this matter and keep sending me back to XXXX telling me that depending upon where I got the information it may be inaccurate to the credit bureau. That is false. Both on the XXXX website and XXXX XXXX through my bank, powered by XXXX, the accounts are not report. My VISA account number is XXXX and the credit builder account as follows : XXXX Account XXXX and CD XXXX.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I wrote a letter to XXXX and Experian in an attempt to remove wrong names and addresses from my credit report. This letter was mailed out on XX/XX/21. I have yet to receive a response. When several months passed and still never got a response and submitted a complaint here requesting the CFPB look into this issue, so I could receive so assistance in resolving this matter. I submitted both complaints over the phone on XXXX and here are the complaint numbers : XXXX & XXXX, which have since been closed. I am not sure why these complaints triggered that more information was needed when I verbally verified everything over the phone with the CFPB agent. I simple need XXXX and Experian to correct inaccurate personal information. The grossly inaccurate Names variations and random addresses to houses I have never lived has damaged my credit rating, and hindering my ability to use my credit.
Consumer complaint received 2022-05-06
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. (NY)

on XXXX I sent dispute letters to Experian, XXXX, and XXXX to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 2..XXXX XXXX XXXX 3.  XXXX 4. XXXX inquiry on XX/XX/XXXX 5.XXXX XXXX inquiry XXXX 6.XXXX inquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XXXX XXXX on XX/XX/XXXX 9XXXX XXXX XXXX inquiry on XX/XX/XXXX 10XXXX XXXX XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX XXXX : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All 4 XXXX XXXX accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting 6 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Did a Claim at chase bank for dissatisfied service received at XXXX XXXX  this clinic gave me a XXXX  I paid XXXX $ in total, the first time I try to to do a claim for every amount I paid there contacting chase XXXX they told me the money can t be refund, so I did a claim on the purchase did with my debit card for XXXX, they provide a Tempory credit, I did send them to prove my claim medical record for XXXX doctor picture of the catastrophic damage caused by the XXXX, they denied my claim with no reason today et took XX/XX/2022 they empty my account for it
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have already opened a dispute with the credit reporting agency and they failed to remove the account from my credit report. I did not open a leasing contract with the company the collection agency is reporting for. The collection agency has also failed to provide documentation of a leasing agreement with my signature.
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

Technically the debt in question is because of a Doctor visit I had in XXXX. What the problem is, is I am on XXXX and I submitted both my XXXX  and XXXX  cards to both the doctors office and the debt collection company over two years ago. I contacted XXXX and they said if any claims were submitted they paid them. They also said they have NOT received any claims for this particular bill. When I sent the copies of the cards to the debt collection company 2 years ago. They sent back the paperwork from my Doctors office detailing the services I received from their office. Which I thought was against Hippa! Well it is now 5 years pass the date of delinquency for Oklahoma Statute of Limitations and neither the debt collector or the Doctors office ever filed a claim and now Equifax is refusing to remove the account off my credit. So I have done my part in all this and now have resorted in contacting this office. Also on my Equifax consumer notes I wrote on there 2 years ago about sending the debt collectors my insurance and it is still on there.
Consumer complaint received 2023-04-27
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. (FL)

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/ Balance Owed : {$0.00}
Consumer complaint received 2018-06-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Sometime on Wednesday XX/XX/XXXX, i lost my wallet, and had my debit card, ID and bank information inside. Later that day on XX/XX/XXXX and XXXX, unauthorized checks were deposited in my account in the amounts of {$4700.00} and {$5100.00} were deposited into my bank. On XX/XX/XXXX, 2 withdrawals of {$2500.00} were taking out my account and on Friday XX/XX/XXXX, another {$2500.00} was withdrawn, I was not notified until Friday XX/XX/XXXX about these transactions, I was on my XXXX XXXX for my XXXX program both Thursday and Friday XX/XX/XXXX, XXXX from XXXX both days. I filed a claim with Wells Fargo, and police report with my local police station and they launched an investigation, the bank credited me half of the money back, but the lead investigator accused me of somehow being involved in this and giving permission for these withdrawals that i did not authorized. My account also was supposed to be closed at the time, but was not and they are not returning my Direct deposit of {$400.00} and credited it towards my closed account. They also closed my credit card account with them and the available balance i had was credited to this outstanding balanced and told to re apply for another card, when my credit card was not compromised and i still have possession of it. I feel the matter was not handled properly, im pretty sure footage shows that i am not the one at the bank making these withdrawals, and the teller did not follow protocol as to getting identification, or manager involved because those are huge amounts, and i get asked for Identification at my branch for a couple hundred dollars, so all in all i am being forced to pay XXXX to a closed account due to the banks error on catching these huge amount transactions, and feel the case was not handled correctly by the investigator as to accusing me of being involved with this matter
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (IL)

I XXXX XXXX XXXX Experian authorization to proceed with this complaint. This is complaint # 6. I am a victim of identity theft and as a result there are some accounts appearing on my credit report that are identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC ( Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX These accounts caused me to have XXXX XXXX XXXX XXXX XXXX and denied credit I am ready to move forward with litigation if accounts are not removed. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it FCRA 15 U.S. Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion these accounts was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item.
Consumer complaint received 2019-04-27
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. (AL)

I Disputed wrongful reported information on Equifax and XXXX   credit report by XXXX XXXX. I sent letter asking for proof of accuracy. Equifax failed to respond back in given time per law. Therefore collection account from XXXX XXXX should be removed from my credit profile. I also disputed with XXXX XXXX.
Consumer complaint received 2022-05-06
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. (GA)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or period thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX US DEPT ED # XXXX DEPTEDXXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy. 

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-06
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. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX opened XX/XX/2022. 

I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2022-05-06
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. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (TX)

im currently going through financial hardship. with my home up for foclosure behind on payments for cars and bills and struggling to put food on the table. navy federal went into my account for a card that was charged off over 8 years ago and took XXXX out of my account on XX/XX/22 out of my checking account that was set aside to get the mortgage caught up.
Consumer complaint received 2022-05-06
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)

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Servicing is my Mortgage holder. I have been going through tough times financially for the past 6 Months. I own a XXXX XXXX, My business is gaining new accounts again. I have submitted documents to SPS to get help with mortgage assistance ... I feel that my requests have not reached the correct persons in order to Help my family in this serious situation. My Homestead is in Danger of Foreclosure ... I have enough equity to restructure my loan, However I need your Help to get the attention of SPS servicing. My Prayer is to keep my home. Thank you in Advance.
Consumer complaint received 2023-03-15
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.