davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-19
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: Experian Information Solutions Inc. (FL)

I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a XXXX bedroom apt with XXXX people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries???? XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX XXXX, XXXX XXXX,XXXX, XXXX XXXX,XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX,XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX,XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX, XXXX, XXXX XXXX,XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX,XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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. (NY)

In accordance with the fair credit reporting XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A sates 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-09-27
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. (AL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (SC)

My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed immediately.
Consumer complaint received 2019-11-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Eqquifax reinserted information from the company contract callers on my credit report and I wasnt notified with 5 days that it would be put back on, my report.
Consumer complaint received 2017-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

on XXXX-17 i received a letter from Diversified consultants inc. informing me : XXXX XXXX is the new owner of this account and DCI is working for them to collect this Debt for {$170.00} for an ancient ( over 18years ) ago Account I had with XXXX XXXX? Which should have been resolved 20 years ago! Numerous times in the past 15 years, I have had this Removed from my credit history and yet it somehow it comes back every 4-5 years? What is the point of going through all this reporting to the credit companies and fuss if they can just bring this back anytime they feel? then we go through the same process off contacting XXXX then wiping it off my credit history. is there any Legal recourse is this? how do i get this to stop once and for ALL?
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Convenience checks — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is sending unsolicited XXXX '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. 

Each check includes at least XXXX digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AL)

We have recently applied for a mortgage with Navy Federal Credit Union, approximately one month ago. In the very beginning we sent the loan processor our paystubbs and she was aware of our employment status ( my husband W2 and myself 1099 ). She then forwarded our information to the underwriter who which had our file for more than a week before notifying us that we were not approved due to me being a XXXX XXXX  They have known that I work XXXX  for one month prior to them deciding that they were not going to approve us for our loan. They advised us to pay for the appraisal during this process, so we did and it was performed ( prior to them giving us an approval and already being aware of our employment status ), so now we are out money for the appraisal. We have had multiple loans with NFCU in the past, never missed any payments, and my husband and I both have strong work histories. I believe they are in the wrong to not only deny us for a mortgage loan, but also have us pay for an appraisal prior to them even looking at our file to see if we even qualify before we paid out money to appraise a property we would never have a chance to own. I believe their mortgage loan processing practices are not ethical and I would like for someone to look into this for me. We have lost much time, money and heart over this past six weeks.
Consumer complaint received 2022-05-13
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. (SC)

My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed immediately.
Consumer complaint received 2022-05-13
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. (IL)

In accordance with the fair credit report act XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

Debt Collector National Credit Systems ( NCS ) claimed that I owed an Apartment Complex in XXXX TN rent without providing any supporting documents. XXXX also reported to the XXXX Credit Agencies about this faulty debt collection account, which caused major damage to my credit score. I called XXXX and told them that I never lived in that apartment because I have been living in CA. I sent out a debt validation letter to XXXX on XX/XX/2022 asking for supporting docs and how the debt is tied to me. XX/XX/2022 I received response via mail from XXXX. The supporting docs they have is a copy of lease agreement. I read through the lease agreement and did not find any ID or SSN that was pointed to me. The tenant used my name and initials. The signature was e-signature instead of handwriting signature. This is not sufficient to claim that I owe the debt. XXXX should have done a thorough investigation before they claim debt and report to my credit account to ruin my credit score. 

To summarize, without sufficient evidence, this company tries to collect debt and ruin people 's credit. Based on some e-signature, they turn me an innocent people into a victim and a debt owner. This is ridiculous. Anyone could use someone else 's name and forge the e-signature to get a lease. Is it enough to collect debt from people who use the same name? No. 

I have reported ID theft to the police office ( case card attached ).
Consumer complaint received 2022-10-27
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. (CA)

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. 

XXXX XXXX XXXX : # 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 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 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX of 2022 I made a XXXX payment of {$300.00} through my Chase mobile app that money has not been received I made a similar payment to the same recipient the day before that was received and I made a subsequent payment the day after to the same recipient that was received. The XX/XX/XXXX payment was not received. Chase is telling me that the recipient received it and that he needs to call his bank he has not received that payment and now I don't know where my {$300.00} is. I contacted both Chase and XXXX and they will not help me.
Consumer complaint received 2022-05-13
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. (ID)

Collection agency reporting to my equifax report : XXXX XXXX XXXX  reported om XX/XX/2022 the amount of {$140.00} This is a fraudulent account reporting to my Equifax report
Consumer complaint received 2022-05-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 I was contacted by an agency presuming to be " XXXX XXXX XXXX '' from XXXX XXXX XXXX, XXXX XXXX, CA. They were threatening legal litigation and a garnishment of wages if I did not settle on a XXXX debt for {$2500.00}. They stated they sent us a letter in the mail, which never came. They also quoted both my wife and my social security numbers. They asked for payment information to settle this debt and when I paused, they stated they could send me an email to send me this information. I then received an email to sign a document assuming this debt, which I did not sign. When I asked further questions, they became upset and asked if I was an attorney. I then hung up with them. They proceeded to call my wife and she ignored the call. Then they deleted the document I was to sign and threatened to see me in court. I saved the document before it was deleted and will provide it below. I created a cease-and-desist letter and replied back to their email. I received a reply stating they would not read the email and not to reply, though the original email states that was a good email to send questions to. I called them and asked for a mailing address, and they asked " Why? ". I told them it was to send a cease-and-desist and they told me they would not provide one and disconnected the call. I called back several times and they blocked my phone number.
Consumer complaint received 2022-03-22
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. (NJ)

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 3 accounts as fraud on ( XX/XX/2022 ) via the online CFPB consumer complaint portal. I received notice via thia same CFPB portal that Experian received the dispute letter on ( XX/XX/2022 ). It is now ( XX/XX/2022 ) and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian have 30 days to investigate disputes. If Experian can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

There is no trilateral contract in place between me, discover, and Experian that states that I have authorized Experian to furnish this information on behalf of XXXX. XXXX has yet to provide well after 30 days an original instrument of indebtness and neither has Experian after multiple investigations and reinvestigations of the disputed debt. This is FRAUD!
Consumer complaint received 2022-10-13
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. (OH)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. I provided my identification documents when I sent the complaint through the CFPB. By law, a police report isn't required for identity theft. You have a duty to do what is fair and equitable to me as a consumer by deleting the items identified as Identity theft from my consumer report. Please place the block on my file and delete the items identified as identity theft. You have 4 days per 15 USC 1681c-2.
Consumer complaint received 2017-08-20
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One refuses to remove late reports for 2 of my credit cards for the months of XX/XX/XXXX, and XX/XX/XXXX. They claim the reporting is accurate, and there 's absolutely nothing can be done on their end to rectify the problems. I 'm currently looking for a home mortgage and the late reports are affecting my credit report score badly its affecting the rates I 'm being offered. The problem with Capital One is that they are not willing to understand that I was moving from XXXX to XXXX XXXX in XX/XX/XXXX, and have proof of a lease signed for XX/XX/XXXX. I tried explaining to Capital One that we had issues with not receiving our statements during those months. They claim I was signed up for electronic statements for 1 of my accounts so I should have received my email. I searched my inbox. The first email statement I have from them was received on XX/XX/XXXX, thats about 4 months after they reported me late to the credit bureaus. So something does n't add up. They do n't want to comprehend that I was in the middle of a move, and that I simply did not receive my statements. Other then these 2 months, my accounts have been stellar with them. I added a screenshot of my XXXX address that is registered to Capital One cards. I have 21 emails from them when I search for the subject line and sender, " XXXXXXXXXXXX Your card statement is ready " The oldest email found dates to XX/XX/XXXX. They claim I was already signed up for Electronic Statements for at least 1 card. I may have been signed up but their system had only started emailing statements as of XX/XX/XXXX. Prior to that date, all statements were being received in paper. The card ending in XXXX was signed up for electronic statements from XX/XX/XXXX. So where are my email statements for card ending in XXXX from XX/XX/XXXX - XX/XX/XXXX??? That 's almost a whole year of statements that should have been received as well, that I have no email record of. My second card, the one ending in XXXX was not signed up electronic statements until AFTER both late payments were reported, on XX/XX/XXXX. I believe this was done after I realized the bill for these cards had not been received, and when I contacted the customer service dept, the rep noticed the lapse in the 1 card being signed up for electronic statements, the one ending in XXXX ... but not the one ending in XXXX So their facts just do n't add up, and they just expect me to believe whatever they say without showing factual proof. They just send a letter stating that the reporting is accurate. Here 's my proof, and I need your help to get them to stop reporting incorrectly the credit bureaus now.
Consumer complaint received 2015-11-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group (SD)

I keep receiving phone calls at work from an organization called Premier Portfolio Group. The person calling is XXXX XXXX. When I first spoke to him I informed him not to call me at work. XXXX calls back the same day and says '' I KNOW YOU TOLD ME NOT TO CALL YOU AT WORK BUT '' I then hung up on him. He continues to call daily and when both of my co-workers answered on separate occasions, he calls them a liar because they tell him they are not me and he tells them they are me and gets short with them. This company has gone too far. Numbers that they use : XXXX, XXXX, XXXX, & XXXX. I have asked them to mail me a letter that states the information and debt they are collecting on. They refuse to send anything. I want my credit card info, my payroll department number. I am severely being harassed. I am ready to notify the FBI to investigate this company. They are causing me stress and making me look bad at work.
Consumer complaint received 2022-05-13
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)

I opened an credit card account with XXXX XXXX ( part of XXXXXXXX XXXX ) in XX/XX/XXXX. 
In XX/XX/XXXX, I was informed that this company is rebranding as XXXX and I'll be getting a new card to my mailing address. I never got one. 

In XX/XX/XXXX, my email address and phone number was hacked, and I lost access to my XXXX account. XXXX does not recognize me anymore ( as the imposter changed the mailing address and phone number ). XXXX customer service will not speak to me as they believe I'm the imposter. There were no other ways of reaching XXXX except a phone or their online portal ( none of which I had access to after my account was hacked ). 

The problem i'm facing now is poor payment history - XXXX reported 120 days of late payment to credit bureaus. How can someone make a payment when the institution is unable to authenticate the caller? I had no ways of making payment as I was victim of identity theft.