davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditors - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description of each creditor and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of XXXX 

XXXX XXXX : collection account - A charge off with a 3rd party debt collector is considered a certificate of indebtedness, which is considered income and income can not be reported on my credit or consumer report. Please have the consumer reporting agencies delete this from my report immediately and indefinitely. XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

I filed complaint with chase XX/XX/2022 charges reversed while investigating filed police report XX/XX/2022. 2 weeks later chase reversed charges stating I took money. I asked for further proof they told me burden of proof is on me .I have been treated like garbage from chase no one cares they are sorry but I am out XXXX XXXX XXXX XXXX XXXX XXXX  I can not afford to lose this money I need your help!!!!!!!!!! this is criminal how they are treating me. my friend who is a XXXX detective has told me people are stealing info at arms and duplicating and stealing money I know I am not alone!!!!!
Consumer complaint received 2022-04-07
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. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2024-03-26
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: W&A Intermediate Co., LLC (AZ)

I received a text message from this company at XXXX this morning XX/XX/2024. When I called later in the morning, the agent said they didnt send the text at that time, it was sent yesterday. The digital time stamp shows the time it was received. I live in AZ where we do not go through Daylight Savings Time but it would have made it still come in at XXXX prior to the time switch.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

I have a Care Credit account with Synchrony Bank. I did not receive a statement the month before a big promotional purchase was due. I'm very diligent about paying my bills so I did pay it off but I think it is NOT a coincidence that they didn't email me a statement this month. I am bringing it to the attention of a government agency for sake of people who rely on email notifications to pay their bills.
Consumer complaint received 2021-02-11
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: Capital Accounts, LLC (LA)

I received my credit report from XXXX and I noticed a derogatory mark from Capital Accounts LLC. This account is involved in ligation. I disputed this with XXXX  and with Capital Accounts LLC. I was not notified on the outcome of this investigation. It has been 30 days.
Consumer complaint received 2021-05-25
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: Westlake Services, LLC (GA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

This bill is not mine i lived renting a house and the owner on XXXX XXXX XXXX. where was my last gas bill but the rental company locked the doors and change locks i could not get in and the landlord use the gas for some months it was not me.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

I transferred {$2000.00} in payment of professional service fees to someone in XXXX on XX/XX/XXXX, after multiple visits to his bank and as he could not receive the funds, the individual called me on Sunday XX/XX/XXXX to notify me of the issue. I then called Western Union on Tuesday and have been getting the run around, I was told that the money had been sent to a different bank, I truly dont understand how that could have happened when the receipt clearly states the name of the bank to which the funds were to have been sent. And to make matters worse, no one has asked me for a call back number, they keep telling me it takes a while to hear back from the bank. At this point I dont care about their internal processes, I just want the funds delivered to the beneficiary as soon as possible.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: E Mortgage (CA)

OK well I used my XXXX job at a XXXX XXXX called the XXXX XXXX and XXXX XXXX XXXX XXXX as a credit source to secure an apartment when I was XXXX or XXXX years old. I 'm now XXXX and the XXXX XXXX is still listed as my current position, along with XXXX XXXX XXXX XXXX which I only worked at for 3 months. Please take down that information as my employers are looking at that and wo n't hire me even though I do n't work there anymore. 

Please replace the information with my current employment histroy XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX no longer working there And XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX no longer working there. 

Please fix this as my new employer is plaining on doing a credit check this next week and I do n't want to lose my job which I just got over something that is n't true. Please remove the XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 

Thanks XXXX XXXX
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

On or about XX/XX/XXXX I applied for a loan modification with Wells Fargo. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, Wells Fargo reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by Wells Fargo has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for Wells Fargo to stop reporting late payments that were never late. 
In addition to Wells Fargo reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report
Consumer complaint received 2021-04-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2021-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

Since XX/XX/2021 I had been receiving calls from a restricted number and in XXXX XXXX I decided to answer. They said they were with Commenity. I told them to stop contacting me and yet since then until today XX/XX/2021 they continue to contact me from a restricted number. Today XX/XX/2021, they called around XXXX and told the representative to not call me again. An hour later I received another restricted call and it was Commenity. I also told that representative that I talked to someone an hour ago and if I was called again from a restricted number that I would file a report and ended the call. 

I have attached screen shots of my call history for the restricted calls.
Consumer complaint received 2021-07-05
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)

Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my report.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2019 I received a mail offer from American Express for the EveryDay Credit Card offering me $XXXX annual fee with $XXXX balance transfer fee and 0% intro APR on purchases and balance transfers. I was interested in the offer but there was no information for how much I was pre-approved for or whether the balance transfer was limited to a certain amount. I went to the amex website and entered the RSVP code they gave me along with my social security number to run a credit check. My credit check went through but the website then informed me that there is a limit to their balance transfers. At this time with the new terms offered to me by American Express, I rejected this offer and attempted to remove my information and exited the website. Their website shows an "application progress" bar at the top of the page and I was only at the first stage of this process. The final stage was the "submit application" stage and I intentionally exited the process before submitting my application or consent to their new offer.An hour or so later at XXXX I received an email telling me that I have opened a new account and they would send me a card in the mail. American Express opened this account without my consent using fraudulent and deceptive practices. This adversely affects my credit history by showing a new credit inquiry and a new account that I did not consent to opening. I called their customer service center and spoke with XXXX-employee number XXXX, and she is sending this to their fraud department.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I noticed the folowing fraud account still reporting on my credit file : XXXX XXXX XXXX  Account numberXXXX. I have supplied Experian with the federal police report to show I am I victim of identity theft and this company has caused harm to my personal injury. 
I have noticed Experian has removed multiple good standing accounts causing personal injury to my credit worthness/credit file : XXXX XXXXXXXX Bank XXXX Account XXXX XXXX XXXX Bank Account numberXXXXXXXX XXXX Bank Account XXXXXXXX XXXX Account XXXX, XXXX Account XXXX, Account XXXX XXXX XXXX Account numberXXXX. I need the following accounts recerted back on to my credit file immediately. 
I also have no access to my credit file when making purchases, logging online, and checking my credit/
Consumer complaint received 2021-01-05
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-03
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. (NY)

XXXX XXXX  XX/XX/XXXX {$3600.00} There also were inquiries that i obtained without my knowledge. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX
Consumer complaint received 2022-04-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (CA)

On approximately XX/XX/2021, I contacted a debt collector that I had a number for, XXXX XXXX XXXX XXXX, who told me they no longer held my debt of {$3200.00}, it had been recalled by the owner. They informed me that it was now held by JHPDE Finance I , LLC, and they provided a phone number for contact, so I called that number. I reached a representative of JHPDE Finance I , LLC, who informed me that the debt was not theirs to collect, and that it was assigned to XXXX XXXX XXXX XXXX, and that I would have to contact them. 

Upon recontacting XXXX XXXX XXXX XXXX, the next day, XX/XX/2021, I was told that the owner was Paradigm Asset Management, not JHPDE Finance I , LLC, and was provided a phone number which matched that on the website -- http : //www.paradigmassets.com -- so I called Paradigm, this was the first time. The voice on the announcement was the same, and the same announcement as for JHPDE Finance I , LLC. Paradigm did finally answer after the third attempt that day, and after explaining my situation, and explaining that I need the information on the debt and where to send payment through refinancing my home I was told that direct payment would have to wait until next week when they have the debt assigned to a collection agency, and that they aren't set up to collect payments, despite their phone answering announcement stating, " We are a debt collector ... '' They stated that it was already in the process of being reassigned, after verifying my information, and told me that it would be in the hands of an agency approximately XXXX week from today, so that would be XX/XX/2021, at a collection agency. I have yet to be contacted by this new -- as yet unknown -- debt collection agency. 

This stalling from Paradigm on getting a verification of the debt amount and where to have it sent when my refinance closes is causing an unreasonable delay in closing, after XXXX attempts to speak with Paradigm/JHPDE Finance I, LLC -- who owns the debt -- on the phone and finally being advised via their own phone answering pickup recording that 1 ) they are a debt collector, then 2 ) being told they won't provide information on how to help them collect that debt by providing information necessary to allow me to have the payment sent directly to them from escrow. Either they want the money or they don't!
Consumer complaint received 2023-02-01
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. (NY)

I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 3 fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX XXXX have 2 fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX 1  fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX  have 1 fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX transunion, XXXX about thois manner
Consumer complaint received 2022-04-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Big Picture Loans, LLC (NE)

I received a call today from someone from the " XXXX XXXX XXXX '' law firm, stating that they were suing me in county court over a loan balance that has been paid off for years. I have records to prove that. 

They told me that they sent me collection mail to an address I have never lived at and have nothing to do with, but that it was too late now to send me anything in writing and that if I didn't pay at least half of what is owed over the phone today then I would " be dealing with the law enforcement and judge tomorrow. '' The man started shouting over me when I tried to ask simple questions, including shouting at me " I know your birthday and whole social security number, so there's no way you can get out of this '' -- and said them both out loud, so yes, he did somehow have my entire SS number. 

The phone number they left was ( XXXX ) XXXX. 

This man was frightening, intimidating and lying to try and get {$1500.00} from me.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

Credit Union Rejected Loan Application or increase in credit due to a low credit score and has incorrect information regarding student loan payments which has gone on for XXXX years because of the XXXX situation. 

Credit Union XXXX XXXX XXXX XXXX XXXX ) uses Experian to report and submit credit lines. Yet they are not connected to EXPERIAN, XXXX XXXX security )  for privacy safety issues. 

Since they use EXEPERIAN, I lost points as I paid for Experian for over a year trying to gain credit points, but the Credit Union didn't allow a connection to my account to see how I paid my bills. 

This cost points. They use the money, but they do not participate in the EXPERIAN CREDIT BOOST ( {$240.00} yr ) could have assisted a climb in my credit score. 

I've paid off loans, and as much as the COVID system has allowed, I pay my bills on time.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TX)

On XX/XX/2018, I received a phone call from Iberiabank Corp. XXXX XXXX . Their agent suspicioned a credit card application was a fraud and called me before issuing anything. 

I have no written documents from them. 

The bank had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem.