davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
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: LEXISNEXIS (OR)

Please consider this letter is my formal complaint against LexisNexis who has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. LexisNexis claims that their subscription to Pacer is an acceptable form of verification. 
I have sent certified/return receipt dispute letters to LexisNexis requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, and finally to the CEO, XXXX XXXX on XX/XX/18. Upon receiving their response ( to the 3rd letter ) that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that  they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 
I did not receive a response to this request nor did I receive a response from the CEO, XXXX XXXX, to the letter addressed to him directly, delivered on XX/XX/18. 
In the meantime, I also obtained a letter from the XXXX Florida Bankruptcy Court which clearly stated that they do not provide any information to the credit bureaus. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, LexisNexis is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

I implore your agency to please assist me in having this unverifiable information from a database ( Pacer ) that does not allow access to any personal identification information, removed from reporting on my credit files. LexisNexis practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue.

Thank you for your time and assistance in this extremely important issue.
Consumer complaint received 2021-06-25
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 (OH)

On XX/XX/2021 a Capital One Credit Card Representative XXXX Agent # XXXX read aloud on a recorded line the reason my credit card account was being closed is because of criminal record history that was provided to her by their reporting agency. This agent refused to provide me with the agency that furnished Capital One with this information. Despite numerous requests for the agency information that provided Capital One with the this information about me for credit purposes, I was continually stonewalled by capital and and told they had the right to deny me this information. The FCRA gives me the right to be told if information in my credit file is used against me to deny my application for credit, employment or insurance. The FCRA also gives me the right to request and access all the information a consumer reporting agency has about me ( this is called " file disclosure '' ).
Consumer complaint received 2018-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I am a Wells Fargo customer. On XX/XX/XXXX, I made six small purchases under on XXXX under {$10.00}. My Wells Fargo balance was about {$200.00} at the time, easily enough to cover these purchases. The same day I wrote a rent check for {$920.00}, knowing I would be able to deposit the funds to cover this check within 12 hours. 

Before XXXX XXXX on XX/XX/XXXX, I wired {$1600.00} to my Wells Fargo account. I checked my Wells Fargo balance and the money I had just wired was fully cleared and available. There were no overdraft fees marked on my account at this time. 

A day later on XX/XX/XXXX I checked my Wells Fargo account again to find out that I had been assessed not one, but three overdraft fees of {$35.00} each, totalling {$100.00}. Wells Fargo has creatively decided to debit my rent check first, putting me in the red, and then debit two more paypal transactions, putting me farther in the red, as a means of justifying the multiple overdraft fees. 

1. These fees were assessed after Id put in funds to cover the payments Id made. 
2. My payments were reordered from the way I made them, so that Wells Fargo could justify multiple overdraft fee charges. 

I contacted Wells Fargo customer service very politely and a friendly agent apologetically said she understood my situation and offered to refund {$8.00} of each of the fees totalling {$26.00}, which I accepted. I asked her what I could have done differently and she said nothing, and actually thanked me for being a good consumer. 

I am writing to try to get the rest of these fees reversed, in the amount of {$78.00}. It isnt a huge amount of money, but I believe it was taken from me wrongfully. My motivation for complaining is obviously financial, but I also believe I have a civic duty to add my story to the public record in light of the shameful history of consumer unfriendly behavior at Wells Fargo. Despite their repeated settlements with the government for wrongdoing, this misbehavior continues. 

Thank you for the good work you guys are doing at the CFPB
Consumer complaint received 2023-04-06
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. (MI)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ar y consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX ( Original Creditor : 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 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

I have reached out to COMENITY BANK and requested information for two accounts. I have yet to receive a response. 

COMENITY BANK is in violation of my rights as a federally protected consumer. 



accounts : COMENITY BANKXXXX account # XXXX COMENITYBANKXXXX account # XXXX
Consumer complaint received 2018-03-12
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. (IL)

On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, Experian,  XXXX and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Consumer complaint received 2023-04-06
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXX - GENESIS RETAIL The letters that were sent out are as follows : dispute letter XXXX -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter XXXX -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after XXXX days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. XXXX also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I made payments to my american express card that Amex sent back because the payment could not be processed and charged me a {$35.00} fee. This happened three times over the course of 2 months. I had enough on my bank balance to cover the payment to Amex so I spent countless hours with Amex and my bank and finally both of them together in order for them to reverse the fee charges. So it seems that they had returned my payment with a reason and charged me a fee for doing so.
Consumer complaint received 2021-06-25
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. (SC)

Vehicle was repossessed after paying for 4 years amount owed on contract to XXXX it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it
Consumer complaint received 2018-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL RESOURCE MANAGEMENT, INC. (NY)

From XX/XX/2018 - XX/XX/2018 they have contacted me anywhere from 40-50 times. 

They have accused my co-workers, my self and other associate with me of all sorts of allegations.

They have contact my wife and family members about this allege debt.

This is not my debt and I want the harassment to stop.
Consumer complaint received 2021-06-25
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)

Equifax continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints were closed without the removals made or documentation supporting the items remaining on my credit file. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items ( attached ). No response from Equifax. A follow-up letter was submitted on XX/XX/XXXX. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Equifax attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 3 prior CFPB complaints filed for Equifax attached ) Account Opened XX/XX/XXXX Account Closed. 

XXXX XXXX ( 2 prior CFPB complaints filed for Equifax attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Equifax attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Equifax remove these 4 incorrect items from my credit fil per the FCRA.
Consumer complaint received 2018-10-06
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. (NY)

It has come to my attention that an old account from XXXX XXXX XXXX XXXX has been recently reported as late. This account was charged off in 2012 and has not had any subsequent activity since then. For the past 3 months you have reported me as late, however this account was charged off. I have called the bank and verified that there has been no recent activity and the only activity that should be reporting is a charged off account.
Consumer complaint received 2018-10-06
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. (VA)

I constantly contacted Transunion and the creditors to remove the 90 inquires from my credit report they where done without permission through a car dealership, I even told the bank I didnt give them permission to run my credit. I just get sent in circles and nothing has been done at all.one sends me back to the other ones
Consumer complaint received 2022-01-19
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My original loan was sold to New Rez and after the mandatory 5 year payment of mortgage insurance I called to have the MI dropped. I have asked multiple times to have a list of approved appraisal companys and have not received anything. On XX/XX/21 I received a letter stating my principal balance must be {$210000.00} before the MI is dropped. My principal balance is now {$210000.00} and yet they will need 60 days to review to see if Im eligible to drop the MI. After speaking with a manager ( XXXX XXXX ) he tells me they can do nothing and I will continue to have to pay the MI until it is review and I will not be refunded the MI over payment. It is a 60 day review process. Multiple people have stated Im not at the required percentage but NO one can provide a number. No one can give us an answer. This has been a 9 year battle!!
Consumer complaint received 2023-04-06
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. (CA)

I had an auto loan through XXXX XXXXXXXX XXXX XXXX. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay XXXX XXXX  XXXX loan off. XXXX XXXX XXXX loan was supposed to remove entire tradeline of credit from all XXXX credit bureaus within 21 days of receiving payment from dealership. It also states that XXXX XXXX XXXX XXXX can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t XXXXXXXX XXXX XXXX XXXX reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all XXXX credit bureaus, but they all reach out to XXXX XXXX for verification and XXXX XXXXXXXX XXXX XXXX tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted XXXXXXXX XXXX XXXXXXXX XXXX about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : TRANS UNION XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2023-04-10
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2018-03-12
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: JPMORGAN CHASE & CO. (HI)

I had bought a XXXX 15 inch laptop from XXXX 's online store on XX/XX/XXXX. It was shipped and was suppose to be deliver by XX/XX/XXXX. When I got home that day and check my status of the shipment it said delivered " left on porch ''. I went outside of my condo to check but did not see anything. I called XXXX and they said that the system might not have updated correctly and to wait a few days. I check the next few days each time i came home and looked for the packaged but it was not there, i had asked my neighbors if they had seen or signed for it, they stated no. I called XXXX XX/XX/XXXX, they told me to contact the sender since only they can initate a lost claim. I called XXXX on XX/XX/XXXX to see if they could help me ( email chain attach ). I got an answer by XX/XX/XXXX that said they confirmed it was delievered, I email XXXX and asked if anyone had signed for it, so that i can track it down, XXXX did not respond to that email, when i had called they stated that XXXX will give me that info. When i contacted XXXX they stated only the sender can request that info. I emailed XXXX about that, but XXXX did not respond. I then contacted the credit card company ( Chase Sapphire Reserve ) to find out what my options where, this was on XX/XX/XXXX or so. I had asked if i should dispute the charge or if i should file a stolen item, they stated to file a dispute, i told them that i do not dispute that i charge for the item and i do believe that XXXX had ship the item and that it may have been stolen, but i was once again told to file a dispute. So i filed a dispute with them. I then got an email from the chase website asking for any communication i had with XXXX, which i provided. About a month later i get a letter from Chase informing me that the charges were authorize and the billing was done correctly. I called ( XX/XX/XXXX ) chase to tell them that I do not dispute that the charges were billed correctly, but that I had not gotten the item. The Chase representative told me that I should've filed a stolen/lost item claim, however at this point it has been over 45 days and they can no longer process that claim. I feel that this is unfair, as I have reported everything at the start, I tried working it out with XXXX, then Chase told me to file a dispute instead of a stolen/lost item, and now it is my fault for not filing it in a timely manner.