davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (NC)

XXXX XXXX - XX/XX/2023 n accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 




XXXX XXXX - In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Co. had opened an account under my name on XXXX without my authorization. On XX/XX/21 I received my Credit Report from XXXX and I noticed a credit card account was active under my name and SS. I contacted Capital One and after more than 2 hours of waiting on the phone, Mr. XXXX ( ID # XXXX ) tells me that he had no idea how this account was opened. I believe this account was opened fraudulently by the Capital One organization, and they must be held accountable for their fraud action.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX, 2015 I responded to a letter from Wells Fargo offering XXXX a line of credit, inquiring as to what I could be approved for and at what rate ; an audio recording of that call, provided by Wells Fargo, is attached to this email as well as a transcript of relevant dialogue below. In short, I only wanted to know what rates would be available to me and made very clear that I did not agree to take on any line. After this conversation Wells Fargo began sending me information in the mail about my " new line of credit and credit card ''. I contacted them and told them I never wanted this line, that I did not agree to take on this line, and that I needed it closed as they opened it in error. After nearly XXXX months of communication with them they stated that this very call is the call where they feel I " verbally agreed '' to take on the note, they then said they would close the line noting it as " closed by customer request. '' I have told them this solution is unacceptable and they have not resolved it any further. Now it appears on my XXXX credit report that I opened and closed a line of credit, which as you know, looks bad XXXX. 

As you will hear in this call, I never agreed to take on a line of credit XXXX and want this line expunged from my record. There should be no record on my XXXX credit report that I opened and closed a line ; Wells Fargo opened a line in my XXXX name fraudulently and I want it removed and noted as fraud so as to keep my XXXX credit record clean. 

Thank you so much.
Consumer complaint received 2021-11-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

During the stated time the account was said to be open ( XX/XX/XXXX ) and up to now, I've been trying to get California Check Cashing to give me more information and the validation of the debt. Moreover, they immediately sent the loan into collections without giving me time to see what the issue was. Unfortunately, I was charged an outrageous APR at the time, and there were no attempts to check in on what happened. During this time, I was going to a stage of financial hardship, and having this go through collections dampened my ability to get further aid as it lowered my credit score. I looked through my records, and it appears as though the attempt to collect debt was at XX/XX/XXXX. 

While this was only a small amount of debt ( XXXX ), but the collection hurts my overall credit score despite the fact that I have already cleared the debt.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Name : XXXX XXXX
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX and I am submitting this complaint against EXPERIAN INFORMATION SOLUTIONS INC . 

EXPERIAN INFORMATION SOLUTIONS INC. has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to EXPERIAN INFORMATION SOLUTIONS INC. to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) EXPERIAN INFORMATION SOLUTIONS INC duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2024-02-16
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I have an account with XXXX ending in XXXX that the date of first delinquency was XX/XX/XXXX, this account should therefore have been removed off my credit report on XX/XX/XXXX. Equifax has not done day stating " the info is correct '' however i have supplied documents ( attached in this complaint ) to Equifax showing payment history and a loan analysis sheet indicating the dates of delinquency on the loan and corroborating my statement above. I obtained these documents DIRECTLY from XXXX.
Consumer complaint received 2022-03-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

XXXX did not fully address the concerns outlined in my prior complaint. Most specifically, they have not updated my account to reflect accurate status. Per their own documentation which was finally provided as result of my prior complaint, my forbearance was for dates XX/XX/XXXX through XX/XX/XXXX. Payments for each of these months was made in full and is documented in their system. However, the are still reporting that my account is past due ( it is not ) and are not allowing me to make online payments. My forbearance period has not ended and my mortgage payments are now current. I believe they updated my account to not accept payments in retaliation due to my complaints. If true, this is very concerning and unethical. 

I have provided screenshots printed today, XX/XX/XXXX as evidence of : 1 ) their receipt of each of my mortgage payments 2 ) Their block on my account that will not allow paymets to be made online. 
3 ) Their inaccurate reporting that my account is 30 days past due For reference, documentation will show full mortgage payments were paid and posted as outlined ( which brings my account completely current ) : - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX ( XXXX separate payments paid/posted on same date ) - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX ( two separate payments posted/paid on same date ) - XX/XX/XXXX payment made on XX/XX/XXXX, not yet received/posted by XXXX
Consumer complaint received 2021-11-12
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: AES/PHEAA ()

I paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because XXXX reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the XXXX Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXXXXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XXXX of XXXX. The negative information according to XXXX will not be removed or dropped from my credit file until XXXX.
Consumer complaint received 2019-07-26
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. (CA)

I have reached out to Experian numerous times to get the following accounts removed as they are reporting inaccurate and unverified information, damaging my credit. My attempts to have these removed due to factual inaccuracies were on XX/XX/XXXX XX/XX/XXXX via online dispute submission. Then via certified mail on XX/XX/XXXX, XX/XX/XXXX. 

I provided the following information ; XXXX - 1 ) Account has been re-aged : Experian XX/XX/XXXX, XXXX XX/XX/XXXX *FCRA Violation*. 2 ) Historical Payment Status : Experian XX/XX/XXXX XXXX days late ; XXXX XX/XX/XXXX XXXX days late. Experian XX/XX/XXXX XXXX   days late ; XXXX XX/XX/XXXX XXXX days late. 

XXXX XXXX -1 ) This account can't possibly have been verified because the status update date has not changed, XXXX XXXX. *FCRA Violation*. 2 ) Collection and creditor both show balances. 

XXXX XXXX - 1 ) Both original Creditor XXXX XXXX XXXX XXXX & collection showing a balance. 2 ) Sent Validation Request & received nothing from the collection agency, so how was this " verified '' if the collection agency was unable to provide validation. 

Each time I received a response from Experian they state the information has been " verified ''. How is that possible when I am providing factual information on my credit report pulled directly from them. I have asked on numerous occasions to provide me physical documentation along with the method of verification used to " verify '' these accounts & they failed to provide me that information. 

These accounts were never legally investigated properly which is clearly outlined by the FCRA as a violation.
Consumer complaint received 2022-03-29
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: CITIBANK, N.A. (HI)

I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?
Consumer complaint received 2022-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (HI)

I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

In a letter dated XX/XX/XXXX, I was notified that my Mortgage ( formerly XXXX XXXX XXXX ) was being transferred to Ameris Bank dba XXXX XXXX , XXXX My monthly Mortgage payment was sent to XXXX XXXX and applied on XX/XX/XXXX. 
Around the same time, I received a NEW Mortgage statement, dated XX/XX/XXXX, from NEW Service provider. On this XX/XX/XXXX statement, on Ameris Bank letterhead, it showed a LESSER regular month payment and that the amount I paid last month ( XX/XX/XXXX ) which resulted in the overpayment applied to " FEES '' ( a late payment fee incurred within the 1st 90 days of my original loan with XXXX which has been in dispute since ). I NEVER received an XX/XX/2019 monthly Mortgage Statement. 

1. On XX/XX/XXXX I received my monthly mortgage statement showing PAYMENT TRANSACTION HISTORY from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, the PAYMENT amount for XX/XX/XXXX was incorrect ( the FULL amount of my check was NOT reflected ). 
2. I NEVER received an XX/XX/XXXX Mortgage Statement from new service provider 3. On XX/XX/XXXX, I contacted Ameris Bank and spoke to a supervisor, XXXX, and inquired as to why my XX/XX/XXXX statement did not accurately reflect my payment amount on XX/XX/XXXX. XXXX explained that Ameris Bank had not " taken over '' my account until XX/XX/XXXX ( despite previous statement on Ameris letterhead on XX/XX/XXXX ) and that his company " only receives the service file-original loan info-and does not include ANY payment history ''. 
4. During XX/XX/XXXX phone call with XXXX, I asked for an explanation on why any overpayment was applied to FEES as opposed to PRINCIPAL. XXXX said it was the right of Ameris Bank to apply any overpayment as the company saw fit. I requested a copy of the original loan, which states on Page 3, Section 2, " all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) PRINCIPAL due under the note ; ( c ) payments due under Section 3 ( ESCROW ). Any REMAINING amounts shall be applied to late charges ... ).

5. I received my XX/XX/2019 monthly Mortgage statement that showed no payment history, ONLY a Long Form Missaplication Reversal. 
6. I received a SECOND Monthly Mortgage statement dated XX/XX/XXXX ( for TRANSACTION ACTIVITY from XX/XX/XXXX to XX/XX/XXXX ) that only showed my last monthly Mortgage Payment from XX/XX/XXXX.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

I got an email from chase bank today XX/XX/2022 at XXXX XXXX congratulating me on opening an account. A few minutes later I got another email saying my email had been changed online. I called chase and someone had opened a checking account using my old mailing address and social security number.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my name is misspelled more than usual. 
last four of social wrong. also has 2 socials addresses wrong ; either never lived at such residence or inaccurate. 
most of all lenders or collections not mine
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Acct XXXX I submitted a claim on XX/XX/2024 regarding a charge from a XXXX in XXXX with an email address of XXXX or XXXX. The bank stated that they needed additional information AFTER I already sent them emails that I sent to the merchant asking about my order and them giving me excuses. I asked the Merchant to cancel my order and they never responded. They provided a bogus trackin number that states my order was delivered but did not have an address on the confirmation. I attempted to provide AGAIN eveything NavyFederal asked and they said that they did not get the upload and could not resolve my case allowing for this merchant to steal XXXX from my checking account. I had to send a request via email message to appeal the claim for an order I never received from a merchant that is clearly fraud. Navy federal has failed me as a customer regarding this claim and have left me with no choice but to complain. My account can be hacked into or something fraudelent take place and they will let this happen is unacceptable. I told them if it is not resolved I am closing my account and will continue to pursue what matters necessary to assure that they acknowledge their unwillingness and support regarding my claim and protection of my assets that I currently have with them. I would have never had to go through this we my previous bank XXXX XXXX and considering going to back to doing business with them.