davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (NJ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2020-10-13
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. (IL)

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-03-30
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

My daughter who previously had a juvenile account that was attached to my account, was the victim of a scam in which her banking information was used to steal XXXX from XXXX XXXX. XXXX XXXX  wrote off this amount as a loss after we communicated to them this was a fraud. We also filed a police report with the XXXX XXXX Police Department ( Case # XXXX XXXX. Although this is now a criminal case, XXXX sent this false debt to a credit agency called Credit Collection Services. This agency is now harassing us with phone calls and letters for a debt we do not owe.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I became unemployed. I called Capital One on XX/XX/XXXX to notify them of this and to see if there was some type of hardship program they offered their customers facing financial difficulties. Minimum payments were at $ XXXX monthly for this account and being recently unemployed that was something I just could not afford to make due to other more important financial obligations. The agent I spoke with said there was a " special '' program I could be enrolled in and asked how much I thought I could afford to pay, I said I could afford to pay {$25.00} per month. The agent stated that during the time I was on this " special '' program there would be no late or over the limit fees and when I became employed again and could pay more to call and let them know. My payment is due on the XXXX of every month. I've made 3 payments of {$25.00} each, for the months of XXXX, XXXX and XXXX. Capital One has reported to the credit bureaus that the payments are missed and/or late which is incorrect. On XX/XX/XXXX I called Capital One about the inaccuracies being reported to the credit bureaus and was told by the agent I spoke to that being on a " special '' program doesn't help at all and I was given incorrect information by the agent who enrolled me in the " special '' program. Capital One is the only creditor that has refused to work with me regarding my financial situation. I've disputed the inaccuracies with the credit bureaus because it is in fact incorrect, I have not missed a payment nor am I past due and this information needs to be updated on all 3 credit reports to reflect this.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

XXXX XXXX, Navient, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in 2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX XXXX, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in 2016. Experian is clearly not even investigating the matter. 

UPDATE : I filed one CFPB complaint and Experian claimed, again, they were working on it. They have since claimed to resolve the dispute. They removed one incorrect month, but now a new month has appeared ( XXXX ). They have not fixed the error, and continue to lie about contacting the original debt owner, who I spoke with. Their error is dramatically hurting my credit score and I need a resolution as quickly as possible.
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion and XXXX have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.
Consumer complaint received 2021-06-29
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-02-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been disputing accounts on my credit report every thirty days for almost a year with TransUnion ; I filed a complaint with the CFPB in XX/XX/2019, last month, regarding their erroneous, invalid and unverifiable reporting of specific accounts and inquiries. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable accounts and inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action but they ignored and/or overlooked my requests ; TransUnion decided to update records ( still in error ) instead of complying with Federal Law and DELETING unverifiable accounts. I took it a step further ; not only did I contact each phone number they provided, I was also able to confirm with each alleged furnisher that no investigation was conducted by TransUnion and that there is no record of any consumer contract with my signature on it, clearly reporting violations. TransUnion has failed to conduct proper independent investigations, provide methods of verification, provide verifiable proof via original instrument of indebtedness in its original form on multiple accounts and has also failed to provide verifiable proof of permissible purpose on inquiries they continue reporting in error. I understand TransUnion is a for profit business, so they cater to their customers ; the alleged furnishers in attempts to keep consumers credit ratings lowered in order to conduct more business with predatory lenders for obvious reasons. But, the consumers do have rights ; all accounts being reported on all consumer credit reports must be 100 % verifiable and 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer.
Consumer complaint received 2019-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I was scammed when buying a purse from someone on XXXX. The person told me if we can do the transaction through XXXX which was secure. And her bank chase had it. She said nothing to worry about youre money back is guaranteed. And everything was all a scam never got anything try calling back the person the number was disconnected. My bank also Chase couldnt help since they said the transaction was authorized. It is very frustrating! I just lost {$470.00}. I also went to the police department and file a report. And the reason why I knew it was a total scam was because the person had re-posted the bag for sale the next day Saturday.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681XXXX ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating 18 usc 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  They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning. 

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credit card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ). 

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I spoke to XXXX the bank manager at amtrust New York Bank my father died and left myself and my mother as power of attorney and beneficiary to any and everything he owns and myself and.my mother went jnto bank and found out there had been fraud on account and I was told they would Handel the account and return funds and call.me to keep me updated well the.manager has done nothing won't release funds and never returns my calls I provided all necessary documentation and my attorney info was given she lied and said she spoke to him and.all he needs to do is sign a paper to release funds well my attorney said he never spoke to her. I'm upset and frustrated because XXXX XXXX is is my money that I need to Handel my father 's wishes and get him a headstone and I've been waiting for almost a year now. I keep getting the run around my documents have been lost several times by the bank and I've replaced them and had them make copy at banks many times I get no access to my funds and no further info I'm very upset and should be given m g father 's gunds
Consumer complaint received 2020-11-03
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. (AZ)

i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (HI)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

I had a HELOC with Wells Fargo Bank, NA that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by Wells Fargo dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called Wells Fargo three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( XXXX and XXXX ) both times they will not update the information because Wells is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.
Consumer complaint received 2023-01-08
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. (NC)

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 1

5 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.
Consumer complaint received 2020-10-13
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. (FL)

THE ACCOUNTS/INQUIRES LISTED DO NOT BELONG TO ME THESE ACCOUNTS ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-13
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. (FL)

After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this deleted from my credit report
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

on XX/XX/23 XXXX different debits were taken out of my checking account to XXXX. They were sent to XXXX ( XXXX ) for concert tickets. I never received the concert tickets or a refund after asking for it. Also Chase wouldn't reverse the charge even though I was scammed. I reached out to XXXXXXXX XXXX XXXXXXXX wouldn't refund the amount or provide the tickets. 
I then reached out to XXXX XXXX Chase instructed me to do so. Once on the phone with XXXX I was transferred to their so callled XXXX Department to verify my identity to reicieve thXXXX XXXX XXXX  back from XXXX. 
However, I believe I was transferred outside of XXXX and further scammed. There were multiple charges totaling over {$4000.00} to my bank account. 
Chase as of XXXX is working on reversing these charges but XXXX not reverse the XXXX charges. I want to file a claim not only on XXXX but with XXXX.
Consumer complaint received 2023-01-08
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. (GA)

I opened disputes. They just kept saying they couldn't open disputes due to accounts being verified but could not prove who they spoke to or who validated the debt. The debt was improperly validated. They are reporting inaccurate information.
Consumer complaint received 2019-02-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In XX/XX/2018, I've sent several dispute letters by certified mail to ( Equifax ). Disputing all misleading, unverifiable, incomplete accounts on my credit file but Equifax has repeatedly refused to follow federal law. They have sent me generic response letter claiming that they have somehow verified all disputed account and has deemed the accounts as accurate and complete. However, ( Equifax ) has not yet once provided me with any physical evidence as per federal law has to how they have come to validate the disputed accounts. I would like ( Equifax ) to delete or remove all unverifiable Accounts from my credit profile. As listed below. 

1 ) XXXX XXXX XXXX {$980.00} 2 ) XXXX XXXX XXXX {$1500.00} 3 ) XXXX XXXX {$2600.00} 4 ) XXXX {$1500.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX XXXX XXXX XXXX {$1900.00} 7 )  XXXX XXXX XXXX {$380.00}