davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-24
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. (CA)

2-3 years ago I sent letters to all 3 reporting agencies due to receiving my mail opened and sometimes used for toilet paper by XXXX people. I never have important documents sent to my street address living in XXXX XXXX. Now I do not use a street address for anything I can avoid due to security that should be my prerogative. 

The letters seemed to clear things for a short period until just the other day I had a friend who works near where i live hand me a declined notice for credit that had been opened and laying on the street.  Experian decided it is their policy to not pay attention to my very important request to not send mail to my street address. ok ... 

I call Experian and told I can only communicate via usps*. I try to login and my account is frozen even though i am subscribed to get reports each week or when something changes on my credit. They locked me out of my account. I can not speak with anyone. 

The letter that denied me a gas card says, I MUST CALL THEM*, they can not verify who I am since my address did not match when I applied for the card. I used my POB since that is the correct address and not the street because I can not have mail go to street. I am seriously needing to figure out why suddenly my street address is being used and can not even communicate with the agency ...? Agent : " agency ''? Is there no fiduciary obligation to the consumer as an agency ...? Why is all the protections set up for businesses to do as they please with our credit? 

What is the impact on a consumer when the Credit Reporting Agencies XXXX with our credit and ability to access and communicate? I'll tell you ; Ability to get a rental, ( shelter ), ability to get a loan for a purchase such as a car or home, ( shelter / livelihood ), Auto Insurance now too ... yes! our auto insurance is now based on our credit scores. 

That is not the end of the list but being that it has everything to do with our ability to have shelter and create a logical and sustainable livelihood, this takes my complaint from unethical to unconstitutional. 

There must be standards put in place that actually protect the consumer from the systems that are using consumers as commodities without regard as to our ability to sustain. 

I DO expect something to be done about this problem. Having worked in mortgage banking and fraud investigations myself I can say I have seen what should be illegal activity from all credit reporting systems and the use of people like cattle to create a monopoly labyrinth that is near impossible to navigate. 

People 's lives are at stake and these companies are walking all over us. Why have we even gotten to this point? Makes many of us feel this is an agenda and establishments that are supposed to protect us, such as CFPB, are turning a XXXX eye. This is NOT new NEWs!
Consumer complaint received 2020-01-31
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: JPMORGAN CHASE & CO. (CA)

I applied for the Chase Freedom Unlimited credit card, directly from the Chase website, and it offered a {$200.00} welcome bonus after spending {$500.00} within the first 3 months of card opening. I applied and was approved for this card on XX/XX/XXXX. I spent well over the {$500.00} required to receive the bonus. I waited patiently and never received the welcome bonus. Finally on XX/XX/XXXX I called and spoke to a representative who said that was not a part of my offer. I replied that it most certainly was and that was the biggest reason I applied for the card. I asked to speak to a supervisor, I spoke to XXXX in XXXX, who stated that she could not find the code attached to my approval saying I would receive the {$200.00} bonus. I was able to obtain screenshots from XXXX that show that Chase was indeed offering the {$200.00} welcome bonus between XX/XX/XXXX and XX/XX/XXXX. I applied and was approved on XX/XX/XXXX so I fall within this window.
Consumer complaint received 2022-02-14
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. (GA)

I filed a dispute with Equifax on XX/XX/2022 for reporting a XXXX XXXX bankruptcy that is in error. They said that they are verifying their information through XXXX XXXX but I have provided them documents that XXXX XXXX is not reporting a XXXX  XXXX Bankruptcy. Equifax is reporting an account in error and total violation of FCRA.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In XX/XX/2020, I ordered several items in 2 different orders from XXXX. I have been complaining about items not received, wrong numbers of items, damaged and wrong items sent since XXXX. They also billed a XXXX  credit card instead if the method I put in to be charged. They refuse to correct anything, give me ways to return the defective and wrong items, refuses XXXX accommodations and are simply horrible. The ceo refuses to correct and has a horrible person repeatedly harassing me. They were repeatedly told to stop, I blocked their email and so they have robocalls calling approximately 20 times per day on both my home and cell phone. The calls come from multiple numbers and clog up my voicemail, etc. This has been ongoing for weeks and they refuse to correct, cure, stop discrimination and stop harassing.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

I HAD A COURT CASE IN XXXX XXXX IN XX/XX/2016 ME AND MY WIFE WERE THE DEFENDANTS, WE MADE ARRANGEMENTS TO MAKE MONTHLY PAYMENTS OF {$350.00} A MONTH, THE JUDGMENT WAS PAID USING MONTHLY PAYMENTS OF {$350.00}. THE BUSINESS WHICH TOOK US TO COURT HAS OBTAINED A JUDGMENT OF {$800.00} AGAINST US BUT WE WERE NEVER NOTIFIED, NEVER AS IN NEVER, NO LETTERS, NO PHONE CALLS NOT EVEN COURT SERVICE FOR COURT PAPERS WERE NEVER EVER DELIVERED OR SENT TO US, WE ARE GOING TO REQUEST A MOTION TO QUASH FROM THE COURT. THIS BUSINESS HAS NOT ATTEMPTED TO CONTACT US AT ALL TO COLLECT THE ALLEGED DEBT WHICH WAS PAID OFF AND WE BECAUSE WE HAVE BANK STATEMENTS PROVING PAYMENTS WITH CASHIER 'S CHECKS THROUGH XXXX XXXX  XXXX.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2022-10-21
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. (OH)

An 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 a account without my written instructions.
Consumer complaint received 2022-06-15
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. (MD)

I have over 119 credit inquires on all XXXX credit reports and have several times to get them removed which has impacted my credit score. I have sent letters asking to have them removed and today XX/XX/XXXX nothing has been done. 

I am writing to you for help I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-12-06
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: EQUIFAX, INC. (TX)

Equifax enclosed is a copy of your credit changes on my report you reported updated in my favor but my score dropped 8 point s the only thing was i an in dispute and reinvestigation is taking place my question is why you dropped 8 point because if an investigation the changes were in my favor not negitve
Consumer complaint received 2022-06-15
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. (TN)

n accordance with the Fair Credit Reporting act XXXX XXXX Account number 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 2021-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

this collection agency is o my credit reports several times for the same thing. ive never done business with this company, never even heard of them till they started contacting me, and they don t use their name when they contact me, but o my credit reports its shows XXXX XXXX  and jefferson capital and jeffcapsystms for XXXX and for XXXX
Consumer complaint received 2018-10-09
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. (NV)

I HAVE LIVED IN XXXX XXXX NEVADA SINCE XX/XX/XXXX AND THERE IS A MEDICAL ACCOUNT ON MY CREDIT REPORT FRO, ALABAMA FROM XX/XX/XXXX, OR XX/XX/XXXX FROM  XXXX XXXX HOSPITAL IN XXXX, ALABAMA .. THIS S NOT MY DEBT I HAVE BEEN WITH XXXX XXXX XXXX XXXX XXXX CALIFORNIA FOR OVER 4 YEARS. NOR HAVE I BEEN TO ALABAMA OR A HOSPITAL THERE. THIS IS NOT MY DEBT FROM XX/XX/XXXX.PLEASE REMOVE FROM MY CREDIT FILE
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XXXX student loans used to appear on my credit report. I called and emailed and asked for proof of the loan. I received correspondence that stated there was no original loan proof and the debt was removed from my credit report. About a years time went by and just last year XXXX XXXX XXXX XXXX appeared on my credit report stating I owe {$69000.00}. I have requested proof source and have not received anything.
Consumer complaint received 2022-06-15
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: CBC Companies, Inc. (SC)

XX/XX/2022, I recieved a letter from Innovis Consumer Assistance XX/XX/2022. I highlighted the statement Innovis requested from me. I have attached the documents Innovis Consumer Assistance has requested to block the fraudulent information. I also mailed Innovis Consumer Assistance, XXXX XXXX XXXX, XXXX, GA XXXX - Certified mail.
Consumer complaint received 2022-06-15
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. (PA)

I called Experian and spoke with multiple representatives which was on a recorded line courtesy of Experian speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. I also filed a complaint on the CFPB website on XX/XX/2022, in regard to getting my personal information updated by removing the inaccurate addresses on the personal info. I was informed that I must have a specific disputes about this inaccurate information, so I filed and attached an FTC report stating how those addresses and other information on my consumer report is incorrect. I also attached an updated copy of my notice in regards of the inaccurate information that was furnished on my consumer report with the specific disputes. Its Experian duty to provide accurate and fair information on my consumer report. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These accounts have recently shown up on my credit record, and I have some doubts regarding the veracity and correctness of your inquiry. I thought the item was not being reported lawfully last month, therefore I sought an investigation. You have decided to stop investigating my credit reports, according to the letter I got a few days ago. This decision was based on your belief that I may have employed a third-party credit repair business. This is clearly in violation of the FCRA, and I also think it's a delay tactic to buy yourself XXXX more days to fulfill my first request.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (GA)

I have sent multiple letters to Experian about the inaccurate items that are reporting on my credit report. The first letter I sent did not receive a response. The second letter I sent received a response saying that they believe that I have a credit repair company on my behalf which is insane and disrespectful. I work to hard to be disregarded as if I am not a tax paying citizen. I can't even get a car for a good interest rates. Most of the time I am denied when applying for things. This hurts. All I want to do is be able to provide for my family and I haven't been able to do this because of the inaccurate items being reported on my credit report which makes me very upset. According to the FCRA any item that is being reported on your credit report that is deemed of being inaccurate or unverifiable should deleted ASAP. I demand Experian send me the original application bearing my signature within 30 days or I will continue with my FTC complaint! Anything less then this will not be accepted!
Consumer complaint received 2022-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have filed complaints a couple other times against XXXX XXXX XXXX. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to XXXX. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX  days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well
Consumer complaint received 2020-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (OR)

I took out a loan for {$900.00} on XX/XX/XXXX To date I have paid {$1600.00} My account shows my balance as of XX/XX/XXXX to still be {$810.00} I have paid well over what I borrowed and believe that the interest rate and amount owed on the loan are not reasonable.
Consumer complaint received 2018-04-26
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. (MN)

On XX/XX/XXXX, I submitted disputes to XXXX, Experian and XXXX   regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
Consumer complaint received 2023-04-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im 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  ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction
Consumer complaint received 2023-04-10
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. (TX)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXXt XXXX XXXX XXXX does not work. the site returns a " technical difficulties '' error after submitting the first form. I tried all browsers and the problem is with the site. there is no number to call to speak with a human being. Going directly to any of the three reporting companies doesn't work because they only offer a paid service or require me to create an account. I do not want to sign up for anything. I do not want to order a report by mail. I want to get my credit report for free online. I want the site to XXXX.
Consumer complaint received 2019-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (LA)

Caliber home Loans violated The Real Estate Settlement Procedures Act of 1974 ( 12 USC 2601 ) ( RESPA ), together with HUDs Regulation X ( 24 CFR 3500 ), AND Louisiana RS 13:3852 Notices of Seizure as an official NOTICE of violation of Mennonite Notice for notification, AND sold a lot they had no fiduciary right to sell based on a contract and property description they acquired from XXXX   XXXX.

In Louisiana, the civil law, unlike the common law, has always rejected the notion of " creditor self-help. '' The harshness of common law " self-help '' remedies has been tempered by the United States Supreme Court decisions that use procedural due process to prevent a creditor from permanently depriving an owner of property without notice and a chance to raise objections to the proceeding. Caliber sold a property without properly notifying me, in addition, made the buyer unaware that the home they foreclosed on was on ONE OF TWO LOTS. The second lot was not a part on ANY contract entered into with XXXX  XXXX  ( as can be proven by my contract with an original lot description ) As the owner of the property secured on Account number XXXX, I was never contacted as to the seizure of the property at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX..And the current " owner '' has been made to believe they own the adjacent lot. I am looking to take possession of this lot immediately through settlement or juris prudence.