davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-13
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-13
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. (VA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts ; letters are attached below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-01-13
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. (PR)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-13
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Just received an alert from XXXX that might credit score dropped significantly due to Capital One inaccurately reporting that my credit card is maxed out when it currently has a positive balance of {$450.00}. This needs to be updated immediately
Consumer complaint received 2024-01-13
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. (FL)

I recently received a copy of my updated report in 3 credit Bureaus and I noticedinaccurate information posted on my consumer report. These are the inaccurateitems which are listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX I ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

CAPITAL ONE ONCE AGAIN FAILED TO RE-INSERT BOTH ACCOUNTS ONTO XXXX. BECAUSE OF THIS WE HAVE TO CLOSE ALL ACCOUNT, AND FILE CHAPTER XXXX BANKRUPTCY NEXTWEEK.
Consumer complaint received 2024-01-13
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. (TN)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYONG A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE '. 

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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-10-31
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. (NV)

I am a consumer and I feel that my federally protected consumer rights have been violated. Ive contacted the companies that have been reporting on my consumer report and they told me that they do not operate under the Fair Credit Reporting Act and that they dont have to follow under Congress Guidelines 15 USC 1681. I have sent copies of the violations to the credit bureaus and companies but they have ignored everything that I have sent them assholes. The violations included : 15 USC 1681b ( a ) ( 2 ) 15 USC 1681c ( a ) ( 5 ) 15 USC 1692g. 

I never have written consent to any of these XXXX who caused me injury by reporting false and inaccurate items on my consumer report. These items have caused denial of extension of credit, denial of bank accounts, and denials of loans. These are the accounts that I wish to be removed from my consumer report : DEPT OF ED/XXXX  acct # ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # -XXXX XXXX XXXXS acct # -XXXX XXXX acct # -XXXX
Consumer complaint received 2019-02-18
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. (UT)

Equifax and XXXX are incorrectly reporting that I am past due on an account that has a {$0.00} balance and {$0.00} past due. This is harming my credit and is obviously impossible to be past due on something that does not have a balance.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, Equifax says they have not placed a fraud alert on my file and I have no idea if XXXX has or not. 

Equifax says they do not have a fraud alert on my file and I have been told by an Equifax representative that Equifax has no record of a fraud alert notification for me. 

I do not know if XXXX has a fraud alert on my file. I was unable to overcome XXXX 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if XXXX has placed a fraud alert on my file or not.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc. ()

I have a problem with Google and a lot of people have the same problem with the company. Google has a monopoly in many fields and because there is no competitor to it, it subjects us to two unfair laws and takes away legitimate rights. 
My problem with Google Ads, I have a lot of problems with them and because Google is the only dominant company in this field At first, I had a Google ads account and it was working fine and everything was fine I spent approximately XXXX USD, and on the XX/XX/XXXX, I checked my account and checked a message that appears in the account. The message content is ( Your account has been suspended. Your account violated the " Unacceptable assets in commercial activity '' policy. ) Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX in order to try to solve the problem. 
Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX to try to solve the problem, and the company responded to me on the next day and this was the content of the response ( your account was suspended on " Google Ads '' due to its non-compliance with the " misleading content and information '' policy " Missing '' that we put about the unacceptable assets used in the business. ) The company imposed a penalty on me and banned me from creating any other ads computer for life I did not break the law and the company punished me If you broke the law Why didn't the company send me a notice and give me a call in order to fix the mistake? 
Why did the company close my account when it contained money and did not return my money? 
Why was I permanently banned when they didn't send me any prior notice? 
Why did the company stop responding to any message from me? 
I have another problem. I have a lot of invalid clicks, and with this you did not return me the money for these clicks. The rate of invalid clicks is 53 %, but with this you take your right to the fullest and do not return anything to me I hate contempt, all my work has stopped, I have lost a lot of money and have had problems with clients
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc. (OK)

Received a fax from a Law Firm in Rhode Island claiming that our company was named in a Federal law suit where freight hadn't been paid on orders shipped. When I looked into the matter I found that the company they were claiming we were indebted to ( XXXX XXXX XXXX XXXXXXXX XXXX ) had been paid up front for freight at time of order. The company that contacted my company said that we were still liable since the company that we ordered didn't pay their freight company.
Consumer complaint received 2020-05-11
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. (GA)

XXXX is showing a high balance of {$8000.00} on my Trans Union credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
Consumer complaint received 2016-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I am receiving notices in the mail from Navient in reference to a loan I never took out. The loan is under another individual 's name and the letters that came state that the indiuvidual who originally took out the loan is delinquent on payments and that I consigned on this loan. I have never consigned on any loan or consented to consign on any loan. I contacted Navient 's customer service number listed in the letter and was essentially given the run around. I explained the matter to XXXX different customer service representatives, initially being disconnected leading me to have to explain the issue XXXX diffent times, being placed on hold only to talk to another individual who essentially stated he was unable to help me. At that point I requested to speak to a supervisor. After being placed on hold again, I had to re-explain the situation to the supervisor who then flatly stated there was nothing she could do and that I would have to talk to fraud department at XXXX. I called this number only to receive a message that no one was available to take the call and please call back later ( No explanation as to why or hours of operation/better time to call back ). I then called Navient Customer Advocate at XXXX XXXX XXXX XXXX and again after a long hold was prompted to leave a message with no explanation to hours of operation or better time to return call. Navient has fraudulently placed my name as a consigner on a loan and has made themselves unavailable to rectify the issue.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

So towards the end of XXXX, I received notice that I needed to recertify my income for the XXXX plan and I did so through the Aidvantage website. I received notice that my income was too high on XX/XX/XXXX. I received notice again on XX/XX/XXXX, that my payment would be changing to {$390.00}, but when I ran the student loan simulator, it says that my payment under the XXXX standard repayment plan is {$310.00}. When i contacted the live chat people at Aidvantage, XXXX # XXXX was unaware that XXXX had a payment cap limiting your payment amount to the amount under the standard XXXX plan and told me i taught her something. Then she told me that, while I am still on XXXX, it is " inactive '' since my income is too high and I owe {$390.00} per month. I chatted with a different agent, agent # XXXX, who told me that I was no longer on XXXX since I made too much, but that's not true and also conflicts with what agent # XXXX told me. XXXX # XXXX told me that the cap doesn't apply since i make too much. But 34 CFR 685.209 ( f ) seems to state that the cap under XXXX applies even if I make too much. I contacted studentaid.gov, but they directed me back to my loan servicer but it seems like Aidvantage does not know about the XXXX plan correctly.
Consumer complaint received 2020-07-01
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. (IL)

I have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. The accounts from XXXX   XXXX/XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also one inquiry where someone attempted to get a card in my name from XXXX XXXX XXXX.
Consumer complaint received 2024-01-13
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results.It Has now been over 30 days I filed a 30 day demand to comply with credit bureaus and still have yet to receive a response. According to 15usc 1681 there should not be any damages on my report and this inaccurate information is defamation of my character.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Park View Credit (TX)

XXXX XXXX XXXX charged my credit card {$450.00} in XXXX XXXX and was to have completed my account within 6 months. I watched from my online account and saw XXXX activity, contacted them and all the information I had sent them via emails were supposedly not received and started all over at that time. It 's been since XXXX and once again I have heard nothing so I tried to reach them via email and phone and none of my messages are getting through. 

XXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX XXXX ext. XXXX
Consumer complaint received 2024-01-13
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 Sec 604 Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I had my mortgage with Wells Fargo bank. On XX/XX/XXXX I made an online transfer from my Wells Fargo checking account to my Wells Fargo mortgage. I made the full payment with a small additional amount toward principal. On XX/XX/XXXX they " reversed '' my payment but did not refund my money. Then on XXXX sold my mortgage to XXXX. I then got a bill from XXXX. Contacted them and told them I already made my XX/XX/XXXX payment but it was made to Wells Fargo. They told me to contact Wells Fargo, which I did- and they literally told me I was no longer their problem. I am now a month behind on my mortgage and owe a XXXX dollar late fee, even though I made the payment and my checking statement clearly shows my money going to Wells Fargo mortgage and never being returned after the payment was " reversed. '' It 's ridiculous to expect a person to just throw away {$850.00} and make an additional payment just because their bank decided to sell their loan. I was not apart of that decision process so I should not be made to suffer financially because of it.
Consumer complaint received 2024-01-13
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to remove these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$9300.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

The are stating that they don't have my credit history. I called and they instructed me to updated my address. I put in a request to have my address updated and provided supporting documents. I still am not able to see my current credit score. My credit score has not updated since XX/XX/2023.
Consumer complaint received 2021-06-21
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. (NY)

Hi, I recently had my chase account closed. 
There was a balance of {$77.00} on that card. When I logged onto my app to pay I noticed 3 charges on this account that were not mine. I have disputed them as fraudulent before as my wallet was lost/stolen I have submitted a prior complaint as well and have not heard back from anyone