davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (AR)

On XX/XX/2022 I filed a despite with Experian due to the inaccuracies on my consumer report. 
I received my dispute results back on XX/XX/2022 only two accounts were removed but the others remained.

Experian has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your company 's negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to block and delete this inaccurate information
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

i am dealing with identity theft. I called Capitol One XX/XX/2018 to close account that was fraudulently opened in XXXX. In order to get information about the person who commit the fraud like man/woman who talked to them seeing as how all lines are recorded for monitoring. They want me to send in a copy of my SS CARD, BC, AND Picture ID. When I asked why was someone able to open account without all this information XXXX ( capital one representative ) replied that you only need a SS # AND DOB. So, in order for me to retrieve information about when this account was opened, what the account number is, and what information was received they wouldn't allow it. I do not feel comfortable faxing over all this information seeing as how it was stolen in the first place. 

APPARENTLY MY ID # FOR THE FRAUD ACCOUNT IS XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

Experian 's reporting account # XXXX inaccurate and incomplete, and it is a direct violation of the FCRA and my consumer rights to accurate and fair reporting of information on my consumer report, as well as my right to privacy under the law. Please delete this account that is inaccurate from my consumer report immediately, as XXXX and XXXX have reported the same inaccurate information as your company and deleted this account from my consumer report for not being in compliance under the law and faced a law suit. I expect the same results as a US citizen under the consumer law put forth by Congress. Experian needs to comply or face penalties under Metro 2 and complete a reinvestigation of the accuracy and completeness of this account. As you can see in my uploaded document, the payment status shows Charge Off, which is incorrect under the definition when property is seized and repossessed. Correct monthly payments must be shown in the report, or it is considered incomplete. all dates must be accurate and all payments must be accurate under the law. The furnisher of this account must have all documents : payments, date of seizure, date of sale, receipts of sale of property, etc., or this account must be deleted.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (NV)

On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.
Consumer complaint received 2015-11-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I applied for a pay day loan with this company on XXXX as I have done several times. In times past I applied for a specific amount and was given a pay schedule which told me how many payments I had to make until the loan was paid. When I applied on the XXXX I was under the impression I was applying for the same type of loan but the company changed the name of the loan to flex pay. I got a loan for XXXX and thought I would be paying about XXXX installments until the loan was paid. I called the company today to find out how much owed and I was shocked that I still owed over XXXX and I 've made XXXX payments. I was told by the representative that the way they do loans have changed and now it is an open line of credit and that if I only make the minimum payment on XXXX is going towards the principle. He said it was like a credit card. I feel that I have been a victim of predatory lending and full disclosure was given to me at the time of the loan. They changed the name of the loan. Under these terms I will never pay it off
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (NC)

There are accounts under my name that is reporting inaccurately as well as inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2019-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (GA)

XX/XX/XXXX there was fraudulent activity on our account. Both my daughter and myself are on this account together. The account was scammed in the amount of XXXX. There were two separate checks put into the account by a scammer on the XXXX in the amount of XXXX and XXXX. My daughter called the bank on the XX/XX/XXXX to alert the bank of the fraudulent activity on the account. She was told to contact the fraud department for further investigation. Once she contacted, she was further instructed by the fraud department that she was responsible to repay all monies at this point. This was before the investigation even started. From here on out we have not been called back to be updated on the status of this claim. The amount in question totals XXXX. This was the final cleared amount from the fraudulent checks. We are now being told that we would have to repay this amount. There was no help from the bank in this matter. We were advised later on after case was opened, to file a police report. We have complied with the bank and filed the report. Since the report was filed no one from the bank even asked for a copy of the report. Or even further investigated into the matter. This matter has been going for a month now. As of today I visit my local bank in town to speak to the branch manager again, only to find out he was not in. I spoke to an assistant of his to was tying to assist. She was able to get a hold of a manager in the fraud division. I spoke to the gentlemen in the fraud division who then proceeds to tell me they have closed the case. We are now being threatened to be taken to collections for XXXX. This case has not been resolved or fully investigated. I am seeking help. Where is the consumer protection?
Consumer complaint received 2018-08-28
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. (IL)

I paid my XXXX XXXX account in full, however, XXXX XXXX reported that I paid in settlement. I contacted to XXXX XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.
Consumer complaint received 2021-06-26
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. (FL)

ON XX/XX/XXXX I SUBMITTED A FTC REPORT FOR INQUIRIES THAT WERE NOT AUTHORIZED. EXPERIAN HAS NOT COMPLIED AND REMOVED THE FOLLOWING INQUIRYS 1.XXXX XXXX  XXXX  XX/XX/XXXX 2XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX, XXXX XXXX - XX/XX/XXXX 5XXXX XXXX XXXX XX/XX/XXXX 6.XXXX  XXXX  - XX/XX/XXXX
Consumer complaint received 2019-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (TN)

I have tried for the last several months ( with the help of my husband ) to resolve my issue with the Bank. No resolution.

In XX/XX/2012, i was convinced by the Branch officer to open a savings account and make monthly transfers from an checking account i had with the Bank. We transferred {$100.00} and then {$10.00} a month. What I recently realized that the Bank was charging me {$5.00} a month in fees. In 6 months i was charged {$30.00} in fees on deposits of {$150.00}. Interest credited was XXXX cents.

This was not a best practice by the Bank. They should never have opened these accounts with these very high fees. Not in the best interest of me and the many other thousands of customers.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (MA)

Listed as COLLECTION Collection/Chargeoff new account New Accounts Lender No name listed Type Listed as other Balance {$1900.00} Status Date Reported XX/XX/2019 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name COLLECTION Original Lender COLLECTION  Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 7 Months Credit Limit Not Reported Highest Balance {$1700.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I called the number listed on the credit report. I was asked just my name told them and they said I have to transfer you to another person and gave me the phone number of XXXX then was transferred. The person who answered asked if I felt comfortable fiving him my full SS number I told him no, how the person I spoke to asked me my name and told me I needed to be connected to a different department, so he looked up my name and said nothing was coming up that I had to give him my full SS number. I told him no am just going to report it.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-19
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. (CA)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to address some concerns regarding recent late payments on my account. I have noticed that there have been delays in the processing of payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

I made my monthly payment online through the companys website on XXXX. The Money Source attempted to withdraw two payments from my checking account on XXXX resulting in three overdraft charges. When I spoke to customer service representative of the Money Source, they each stated they have no control over the portal ( their website for payments ) which resulted in {$90.00} in overdraft fees to my checking account and refused to credit my account for their error.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had an issue with an item I purchased on XXXX where the item came from a third party seller. Item was a camera that did not come with a wall charger and connected to its own WiFi that did not work unless my cellphone was within 10 feet of the camera which defeats the whole purpose of having the security camera. Contacted the seller for a refund they sent me a return label where I as the buyer had to pay return shipping. Item was received by the merchant and the merchant refuses to Respond to communication and will not issue refund. I contacted Bank of America credit card to dispute the charge I mailed them the documentation necessary and they claim they dont have anything and the only way to give them information is by mail only. Post office lost correspondence sent to Bank of America.
Consumer complaint received 2019-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NC)

when I applied for this loan I was informed I had plenty homeowners insurance 5 months later I received a letter stating my wind and hail insurance had lapsed, witch I never had. XXXX XXXX  stated they would cover 1 year at no cost of wind and hail insurance. my response was that was a band aid. while looking for another loan 2 hurricanes hit the state of NC. I had my payments set on auto pay ( XXXX ) XXXX XXXX took ( XXXX ) witch was unauthorized transaction, I stopped auto pay to prevent that from happening again now I pay manually
Consumer complaint received 2021-04-14
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: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

XXXX XXXX  XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION AMEX XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

.What address were the Validation notices mailed to? 
What is the address for for legal department? 

What information was verified between you and your client? Can you forward me that correspondence to my mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 

I have never received letters nor heard of you or you client prior to the inaccurate reporting and every time I've called the company it was standard evasion tactics used..
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Credence Resource Management, LLC (AR)

Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. 
Their address is XXXX XXXX XXXX, XXXX, MI XXXX.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

i have recently filed A dispute with experian, and per the fair credit reporting act the consumer has 30 days to respond to an issue, and Experian has not responded to my complaint. My issue was revolving an account on my credit report, the account XXXX XXXXXXXX Please review attachment below.
Consumer complaint received 2022-08-19
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. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-05-04
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. (FL)

XX/XX/2022 I sent letters disputing incorrect and unfair items reporting on my credit and they havent followed their policies and resolved the issue Im a timely manner