davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I was told in the past that these accounts would be deleted from my credit report over a month ago but they still appear and are causing me to stress out.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the XXXX XXXX XXXX which may have resulted my information to be in the hands of the wrong person.
Consumer complaint received 2021-05-27
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. (PA)

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-05-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

This Company never show me any WRITTEN STATEMENT with my signature allowing them to furnish ANYTHING ON MY CONSUMER REPORT IN VIOLATION OF MY CONSUMER RIGHT 15 USC chapter 41, This company seems to say they have " transfered/sold '' the debt XXXX has reported and cancelled the debt to receive some type of tax break with the IRS.If my rights are still being violated the CFBP will be a witness in court that i did inform this fraudulent " CREDITOR '' did in fact receive this NOTICE OF FAULT and OPPORTUNITY TO CURE. I HAVE ALSO SENT THIS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

I received notification through XXXX XXXX that a collection agency reported debt. In XXXX of 2020, my identity was stolen and they opened an XXXX XXXX XXXX  account. I disputed with XXXX  and their response was that they requested more information from the collection agency. I cent a certified letter to the collection agency, SEQUIUM ASSET SOLUTIONS , LLC, stating that I was a victim of identity theft. To this date, nothing has been resolved and the collection debt is still in my credit report.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (LA)

Arvest Bank unfortunately bought my mortgage from XXXX XXXX Bank. 
I escrowed my homeowners but paid my flood in full. I bought my house in XXXX, mortgage was sold to this horrible company the next month. My agent sent them proof of my flood in XXXX. They have to know being a Mortgage or so called Mortgage company that you can not purchase a home in a flood zone without proof of purchasing flood. They forced place flood on me in XXXX, took the payments that I have been sending them and put them in a unapplied account because they raised my mortgage note without me knowing. I was paying my mortgage every month, but since XXXX it was not being applied. They hurt my credit score because now it shows I was 90 days overdue, charged me late fees which they are not reversing. They have the proof after me calling and spending countless time on the phone trying to get it straight BUT still will not fix my credit or reverse late fees knowing I had the Insurance the whole time .... That is what I posted on the XXXX  sight. 

I spoke to several people for months about this. Last person I spoke to was XXXX at XXXX XXXX ext XXXX. Basically giving me a email to dispute the credit, would not reverse fees because they just got the proof in XXXX. I spent so much time on the phone for the last months trying to get this straight. My agent sent the proof in XXXX. This is sooooo horrible to treat customers this way.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2020 I refinanced the car. I did not know the new lender did not completely pay off the loan. Four months later, XX/XX/XXXX, original lender Chase called to collect and this is when I found all this out. I immediately paid off the loan for remaining {$130.00}. This is reported as a late payment, it was due to the new lender not paying enough to pay off the loan.
Consumer complaint received 2020-10-30
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. (GA)

SUBMITTED ON XX/XX/XXXX : XXXX XXXX XXXX PAYMENT STATUS UNKNOWN. LAST REPORTED XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE LAST ACTIVE XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE OF LAST PAYMENT XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (NY)

XXXX XXXX is attempting to collect {$XXXX} through William and Fudge Inc. Collection agency and has fraudulently and erroneously reported a collection of {$XXXX} as owed for educational services never rendered or provided. I was notified of acceptance into XXXXXXXX XXXX 's program and informed the school in ample time that I was unable to complete their educational program due to XXXX illness and unemployment as a result of XXXX. However, XXXXXXXX XXXX continued to ignore my notification to the required parties and is fraudulently trying to collect {$XXXX} plus additional fees and interest for a service that was never provided and has reported a collection on all XXXX  credit bureaus for a debt never owed in violation of the Fair Credit Reporting Act despite notification of my withdrawal from their program and no receipt of any educational services as claimed by XXXX XXXX Despite notification that this debt was erroneously charged XXXX XXXX has ignored my notifications and seeking to a collect a debt that is not owed. Additionally, this collection is adversely affecting my credit and impacting my ability to secure affordable housing and other financial assistance.
Consumer complaint received 2021-01-11
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. (NJ)

I recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (TX)

They decreased my score for no reason, I had no changes to my debt, on time payments, no debt, recently I received a letter that someone hacked my personal information on Experian and they disconnected my linked XXXX XXXX XXXX XXXXhat was linked for Boosting and was unable to re-connect so I am guessing now they will decrease my score, my score was XXXX a month ago they decreased it 8 points for no reason and now they increased it to XXXX, now boost got disabled by Experian system not by me, they have no phone support unable to speak to live person, dispute center is a complete headache, I been paying attention to every move their system is making and lately they seem very fishy and makes no sense.
Consumer complaint received 2021-04-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC. (DC)

On or about XX/XX/XXXX, representatives of Exeter Finance contacted me via telephone in an attempt to collect a debt. The debt was allegedly opened in XXXX of XXXX and was soon after written off as a charge-off. The company also failed to provide me with information regarding the validity of the loan, contract, promissory note, and/or any other documentation that legally binds me to the debt. I have no knowledge of this debt and/or account.
Consumer complaint received 2018-03-01
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: Experian Information Solutions Inc. (MS)

XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XX/XX/XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX The above mentioned inquiries are fraudulent. Please remove
Consumer complaint received 2022-11-16
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. (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 XXXXXXXX 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 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 2021-05-27
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: Experian Information Solutions Inc. (OH)

I have sent several letters to XXXX, Experian, and XXXX  in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

I have tried SEVERAL times to cancel my account which is automatically charged to my credit card at {$24.00} a month. You can not cancel online and they will not answer the phone of you select cancel through the automated system over the phone. Hold times are often over an hour and sometimes several. I am yet to get them to answer at all. I'm canceling my credit card as this is the ONLY way I can get the charges to stop. This can not be legal.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021, I was informed by capital one that XXXX  is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. XXXX supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.
Consumer complaint received 2021-05-27
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. (OH)

I have sent several letters to Transunion, XXXX, and XXXX  in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Consumer complaint received 2023-02-01
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: SYNCHRONY FINANCIAL (CA)

NO WAY TO CONTACT SYNCHRONY BANKS RECOVERY SERVICE CENTER NEED THEM TO SUBMIT XXXX C FOR EACH COMPANY ATTACHED TO MY NAME, XXXX  SICKNESS TOOK ME OUT FOR YEARS NOONE MONITORED MY ACCOUNTS FOR ME NEED XXXX C FOR THE FOLLOWING COMPANIES AND ANY OTHER CREDITOR. I PRETTY MUCH LOST EVERYTHING TO THAT XXXX SO I AM HERE TO CLEAN THIS UP. FOR ALL BUSINESS DEBTS THEY NEED TO SUBMIT 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 2022-10-10
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: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX, I fully paid my Lowes Advantage Card in the amount of {$200.00}, as posted on my XXXX XXXX XXXX. In mid XX/XX/XXXX, about 4 1/2 months after I fully paid my Lowes Advantage Card , Synchrony Bank started emailing me, calling my phones, sending paper bill statements, including downgrading my credit score to collect the amount stated above. 

I attempted to dispute this {$200.00} amount several times as Synchrony Bank advised through their customer service but they never stop trying to collect the bill which I dont owe as I have been fully paid. 

I have sent proof of payment to different addresses their Synchrony Bank customer service gave me after believing, understanding the confusion they have made. XXXX spoke with her on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, all of them agreed with me and made a note or clearance for the disputed amount of {$200.00}. It was the XXXX XXXX discount that was not deducted from Synchronys posting. The XXXX XXXX is XXXX discount for cash purchases but I decided to close it because of its inconsistency of giving discount which I have been enjoying regularly. I have sent proof of payment to the addresses they told me to send. But with all those attempts Synchrony continues to send emails, phone calls, and bill statements and tainted my credit reputation.
Consumer complaint received 2021-05-27
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. (AZ)

PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I received a check from a " company " that was get me on board. The check should be used to pay all the required to accomplish the remote work. After I received the check they requested me to deposit on my bank account. I did it. After that, they requested me to send a XXXX transfer to an email address. I setup this as an business account and try to send the transaction. They tall me that they didn't want to make the transaction as a business. So, in the middle the bank calls me about the transaction and I just canceled it. Then, they requested me to transfer to another account and I said that I have to verify the check with my bank. I got to the bank and had a meeting with a representative. I told her that I think that this check is illegal. She talked to me that I have to call the online services because I did the transaction through it. I called to the online services phone and told them that I suspect that this check is illegal and that I don't want those funds. Today, the bank sent me an email saying that my account was canceled due to this check. I really don't understand, if I did the correct things why the bank is doing that kind of thing. I think this will affect my score so I need to know what can I do.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX2020 or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the following : Kohl 's has NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the 2020 previous complaint I submitted to CFPB. 

Kohl 's has only provided a card agreement which is NOT a signed contract. 


Kohls received a CFPB XXXX XXXX # XXXX was received and replied to by Kohls that they were working on it. Kohls received my written bill dispute through certified mail - USPS. Tracking # XXXX ( confirms that it was delivered XX/XX/XXXX. @ XXXX with return receipt. I also called and spoke with several representatives on XX/XX/XXXX2020 to check on the status of the bill dispute surrounding the account in question. 

Despite the fact that Kohls is well aware of the written bill dispute that they have received, Kohls has continued to attempt collection on the account. When I called and spoke to XXXX and XXXX, they attempted to collect upon the account and stated that there was only a credit dispute amount noted on the account for XXXX/XXXX/20. The account with the disputed balance which Kohls alleges ownership to me, has not been placed into a bill dispute status. XXXX placed a request to place the account into forbearance status for XX/XX/XXXX2020 and XXXX 2020. He also stated he put in a request to credit another erroneously charged late fee of {$38.00}. I asked the representatives to note the confirmation # s and info of the written bill disputes.