davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (IL)

I filed a complaint with the company and the consumer financial protection bureau XX/XX/2022 in regards to XXXX publishing my information per the CRAS. XXXX is in clear violation of the law, the initial complaint was about them publishing transactions on my credit report in which pursuant to 15 usc 1681b- permissible purposes of consumer reports-a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the Fair credit reporting act 15 usc 1681 ( 2 ) ( a ) ( I ) - ( 2 ) -EXCLUSIONS-Except provided in paragraph ( 3 ), the term consumer report does not include- A ) -subject to section 1681s-3 of this title, any- ( i ) - reporting containing information solely as to transactions or experiences between the consumer and person making the report ; The reporting of my experience and transactions is illegal and furthermore has damaged my character, my reputation, my general mode of living, bd my ability to obtain credit for personal and house purposes.
Consumer complaint received 2022-04-06
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: TRUIST FINANCIAL CORPORATION (LA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove these from my credit report asap
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-28
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I went to buy an new car and I got financed through XXXX  XXXX. They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my care in person. They also, told my checks are invalid. Im guessing they saying this because they think Im high risk. 
Well, that clued me and realized I had an problem with XXXX XXXX XXXX XXXX  and reported reported me to Chexsystems. It was an mistake at the bank on XXXX, No. the Bank had it removed From Chexsystems. I found it wasnt removed. There an problem at Chexsystems. I tired calling but just telling to put in an dispute against the bank. The problem is that Chexsystems did not remove it. I called the bank and on there end was removed XXXX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.
Consumer complaint received 2019-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

my mortgage was transferred to a new servicer but i have no knowledge of who to send payments to, i do not want to get behind because it is hard to catch back seeing as ive changed jobs and dont make the amount i used to make Thanks XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I heard that Experian, a site that contains the personal information of hundreds of thousands Americans, was hacked. I heard this through word of mouth, rather than through Experian, or XXXX, or XXXX. I also have been told that this hack happened in XX/XX/XXXX, and that in the months since the hack the only people who apparently knew this were their investors, who have since been pulling out. In the meantime, non-investors, AKA the rest of the country, have gone unaware of this unless they happened to click on a link on XXXX? Just 3 days ago XXXX posts an article. What 's worse, now that it 's coming to light, 2 months after the fact, it 's near impossible to put my credit ( which is a made-up thing, btw. ) to be put on a freeze. I have tried calling all 3 as well as using their websites, and all of them either disconnect me, or tell me to request the credit freeze by snail mail. The only thing I could do to my account is set up a fraud alert. That is, I will get an e-mail when someone who bought my identity off the XXXX XXXX tries to buy a XXXX in my name. To sum it up, first my identity was at risk and I received no notice, then I found out about that risk from someone that is n't Experian/XXXX/XXXX, then when I tried to eliminate that risk i discovered that there is suddenly no way to do so.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : On or around XX/XX/2021 a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to Experian. Experian received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the Experian address is correct and mailing was complete. Thus, it is presumed Experian received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to Experian the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, Experian is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, Experian is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as Experian is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-08-14
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. (NJ)

XXXX XXXX XXXX XXXX added a collection on my credit report. I never went to XXXXXXXX XXXX and never applied for credit nor any services from them. How did they get my social security number. Please delete this account I have too many inquiries that are no mines I want investigated please see below. Who did these inquiries on all 3 of my credit bureaus too stressful. Please investigate to delete XXXX Inquiry from XX/XX/XXXX!!!!!!!!! who is this XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX BankXXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX General Clothing Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX Miscellaneous Utilities Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

I am a XXXX. A XXXX  prepaid for XXXX XXXX. She decided not to proceed with the XXXX treatment- so I gave her a check for the full refund. She deposited the check into her Chase Bank account. After processing the check through my account, Chase stated the check was fraudulent and put the funds into suspension. Chawe also closed the patients account and kicked her out of the bank. 

I can not retrieve the funds nor can the patient be given the funds according to Chase Bank.. Chase requested I go into a branch with the patient - which I did. I gave Chase bank several IDs + my tax returns + multiple other documents demonstrating my ID and ownership of the XXXX XXXX. I also emailed these documents to Chase. 

Chase Fraud department said they did not receive these documents even though i have email confirmation. Chase Fraud said I can not mail, fax, or email any documents directly to them. 

Of all parties involved, Chase seems to be the entity committing Fraud - keeping the amount I paid the patient iindefinitely ub suspension unless I retain an attorney.. 

My bank has also connected with Chase on multiple occasions to confirm the check and my identity- this is ridiculous! watch out for Chase Bank.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One is reporting 2 accounts on my consumer reports as Charge Offs. 2 are prior credit cards ( Cards ending in # XXXX and # XXXX ) that were closed and charged off by the company without any written consent from me or written notice from the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore both accounts with Capitol One should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vinci Law Office, LLC (CO)

I just received a phone call from XXXX XXXX XXXX in XXXX, Colorado. They are attempting to collect on a debt I do not owe and are also contacting me after I told them not to contact me because I have proof I do not owe the debt. 

They called me on XXXX/XXXX/XXXX at XXXX. The number they called from is XXXX. They asked to speak to me using a name I used in childhood that is not my legal name. When I asked what it was about, they said they were from XXXX XXXX XXXX, who I have filed a claim against before, and asked for my social security number. I told them I knew what it was about, I know I do n't owe the so-called debt and have proof and I was n't going to give them my social security number because I know my rights and I do n't have to. The person on the phone then pretended like he could n't hear me and hung up. 

I immediately called back and spoke to a XXXX. I told them this is the second time this happened, I know I do n't owe this debt, I do not want to get calls from them anymore, and it 's unacceptable that I was treated this way AGAIN by XXXX of their employees when I refused to give my social security number. I also informed them I would be filing a complaint, again, because this is unacceptable. They promised to remove me from their system and claimed they had no idea how I got re-activated in the first place. 

This is officially bordering harassment as meets the legal definition and I want them to stop attempting to collect on a debt that is not owed, stop trying to force my social security number out of me ( scammy! ), and stop contacting me all together.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

On XX/XX/year>, I submitted dispute letters to XXXX, Equifax, XXXX, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports.

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus. 

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports.

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy.

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.
Consumer complaint received 2021-01-22
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: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX ILLINOIS XXXX CITIBANK ACCOUNT : XXXX Consumer Fraud Case # XXXX CERTIFIED MAIL XX/XX/2021 CITIBANK XXXX XXXX  XXXX XXXX XXXX  SD XXXX To Whom It May Concern- Thank you for your letter XX/XX/2021. Please note the following details ( a ) the services were not provided by the merchant ; ( b ) I contacted Airbnb to complain about the bug/rodent infested location ( even they have admitted that and have records of calls related to the same is Citi claiming that does not exist? ) ; ( c ) I provided details to Citibank about why I disputed the charges. Even the merchant policies acknowledges bug/rodent infestation is a reason for not consuming services ( though they ignore it for my case ). 

Most importantly, CITIBANK continues to violate Federal Law ( specifically FDIC Statute 226.12.z ) and provides no legal reason it does so in fact it purposely ignores my several letters specifically stating I can not resolve my dispute with the vendor and I am asserting my rights under the law to direct CITIBANK to not pay the charge. 

==== ==== ==== Thus, I am specifically asking ( and I am sure the OCC Federal Bank Examiner will also ask ) for a formal reply to I ( XXXX XXXX XXXX assert to CITIBANK XXXX the card issuer ) that I have a dispute with AIRBNB ( the transaction ) that can not be resolved and I am directing CITIBANK XXXX the card issuer ) to withhold payment to AIRBNB permanently. 
==== ==== ==== Lastly, illegally, ( you are now notified ), Citibank said a note on my credit record exists for a charge and will only be removed if I contact CITI and pay that charge. Note I am officially stating I *have* already paid CITI for that disputed charge, CITI collected the funds from me, and still wants to place a dispute on my Credit Report for a charge they already got paid for? CITI can not have it both ways, violating Federal Law, denying a dispute, getting payment for it, placing a negative entry on my Credit report, and asking me to pay again to have that removed? That is negligent intentional harm to me and my Credit - if I apply for credit and its denied due to that entry, CITI will pay damages. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CULLEN/FROST BANKERS, INC. (TX)

I filed an EFT Dispute on XXXXXXXX XXXX, XXXX, TX requesting a full refund of a federally protected Administrative Fee of {$150.00} the apartment manager charged to my account, after denying my application. Federal consumer financial protection laws prohibit apartment complex owners and managers from keeping administrative fees after denying an application to lease. Frost granted a provisional credit, then reversed it taking the money out of my account. I am now overdrawn and have sent an EFT dispute demanding that they immediately return the funds to my account. I further reported that I would file this dispute with CFPB.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Per the Cares Act, I requested my mortgage company Carrington Mortgage put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this  company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late  which has completely screwed up my credit. Extremely disappointed in Carrington Mortgage.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

I was part of the EQUifax data breach. While trying to freeze my credit the phone call kept giving me marketing advertisements and asking me to select 0 or #, and then c=sometimes they throw in a *. All of these ads had nothing to do with anything related to equifax. They keep changing the ad and never stated if I had to keep answering to continue the call to get to a rep.
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (FL)

Avante USA is claiming I owe on two accounts one for {$2700.00} and the other for {$1800.00} they are claiming the debit is from XXXX XXXX. I filed a dispute with XXXX  # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX  informed me the accounts were verified as accurate. I am on XXXX if I owed this it would have been paid.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had an auto loan through Capital One and made biweekly payments through automated withdrawals from my account. I made a payment on XX/XX/2021 and a week later I was in the process of trading in the vehicle. The dealership paid the car off on XX/XX/2021 and received the title on XX/XX/2021. Capital One then reported me to the credit bureau with a Late Payment in XXXX XXXX dropped by credit score by XXXX points. I have spoke to several representatives who indicate that they did not report me but it clearly shows on all 3 of my credit report. I have called numerous times and it is still not resolved.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (AZ)

My receiver in the XXXX did not receive the money through Western Union until today XX/XX/2019. It should be available as what they promised XX/XX/XXXX. But I already file a fraudulent transaction and cancel/ stop my transaction today and get my money/ full refund. But they said it will take 7 days. I hope I could get my money immediately.