davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX A XXXX XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My XXXX XXXX  mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts ( Capital One, XXXX, XXXX XXXX ), mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He brought his house out of foreclosure and sold it less than two weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX DOB : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : XXXX XXXX and XXXX. 
He used these accounts to pay off his own credit card debt.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circu
mstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name XXXX 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 2022-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I noticed that my most recent credit report contains a late payment reported For XXXX, XXXX for my Capital one Credit Card account., I had a major XXXX done I had XXXX done XX/XX/XXXX due to XXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstanceI have a excellent payment record with captial one and im not understanding why did they report XXXX and XXXX late payment reported to my credit repot and my account was granted hardship XXXX and the rep told me it wont be reporting late being thou i had a major XXXX done and was on bed rest so how i am going to pay anything i attached my XXXX  documents below
Consumer complaint received 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation (PA)

In XXXX of 2024 I submitted XXXX complaints on XXXX because Fortiva the creditor was and still is violating my rights as a consumer. The CFPB helped get this account take off my credit report in XXXX or XXXX of this year. Now, a couple months later Fortiva has illegally put this back on my credit report dropping my credit from FAIR to POOR. Im a veteran of the XXXX  XXXX XXXX and 100 % service connected; trying to improve my credit to buy a house. This is impossible if companies like Fortiva keep violating my rights. Is legal recourse necessary?
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

Hello, In XXXX, my Macy 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called Macy 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, Macy 's advised me that they would be " zeroing '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with XXXX and when I received the findings, XXXX concluded that Macy 's was " reporting the information correctly ''. Funnily enough, Macy 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the XXXX representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.
Consumer complaint received 2022-10-13
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. (MA)

When I reviewed my Credit Report I noticed that there are still accounts that are reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the accounts needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-13
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. (OH)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (AL)

Dear Experian, XXXX, and XXXX There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.

Thank you.
Consumer complaint received 2023-11-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IL)

I am writing to file a formal complaint against ProCollect Inc., a debt collection agency, for multiple violations of fair debt collection practices and potential breaches of consumer rights. Despite my diligent efforts to address and resolve the issues directly with ProCollect, I have encountered numerous challenges that necessitate your intervention.

The debt in question, amounting to {$6200.00}, is alleged to be owed to XXXX XXXX XXXX. However, after thorough investigation, I have found that XXXX XXXX XXXX  has no record of my association with them. This discrepancy raises significant doubts about the accuracy and legitimacy of the debt being pursued by ProCollect Inc. 

Furthermore, my attempts to obtain essential information regarding the debt, including the account number and a comprehensive itemization of the current amount owed, have been consistently rebuffed by ProCollect Inc. This lack of transparency impedes my ability to verify the validity of the debt and raises concerns about the company 's compliance with fair debt collection practices. 

In addition to these issues, my interactions with ProCollect Inc. have been marred by unprofessional and intimidating behavior. I have been hung up on during calls on five separate occasions, and I have been subjected to threatening and profane language. Such conduct not only violates ethical standards but also raises questions about ProCollect Inc. 's adherence to legal guidelines governing debt collection.

Moreover, I have become aware of ProCollect Inc. 's notably low XXXX rating, suggesting a potential pattern of questionable practices. There are also allegations of " parked debt, '' a practice that could violate consumer protection laws. These factors underscore the urgency of investigating ProCollect Inc. 's activities and ensuring compliance with relevant regulations.

I am seeking the following actions through this complaint : Removal of erroneous information on my credit profile associated with this alleged debt.

Take appropriate measures to ensure ProCollect Inc. adheres to fair debt collection practices and consumer protection laws. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to bring about a fair and just resolution.
Consumer complaint received 2022-04-30
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. (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (DE)

In XX/XX/year>, I unexpectedly lost my job, which led to financial difficulties in making my regular monthly payments for the billing periods of XXXX and XXXX. While awaiting the deposit of my retirement funds, I reached out to Wells Fargo for assistance. Unfortunately, a certified mail I sent through the post office was lost, further complicating my situation and intensifying the financial strain. Despite this, I contacted Wells Fargo and arranged a payment plan, which they agreed to. However, despite our agreement, Wells Fargo reported my account as late to the credit bureaus and added additional fees, which caused my credit score to drop significantly from XXXX to XXXX.
Consumer complaint received 2024-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (IN)

NATIONAL CREDIT AUDIT CORPORAT a collection of {$2900.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. 

I am requesting you to please compel NATIONAL CREDIT AUDIT CORPORAT to remove a collection of {$2900.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report.

2. I was not aware of this debt from any original creditor.

3. Every attempt to call them to settle this
has not been fruitful.

4. I was not giving the opportunity to dispute this debts.
Consumer complaint received 2024-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (NC)

I bought a car and had it financed through Flagship Credit Acceptance. I made all payments on time until my husband lost his income, and we fell behind. I have had the car since XXXX of XXXX and my first payment was due In XXXX of XXXX. The car payment is {$980.00} per month. I have had the car for XXXX  months and I have paid a total of {$12000.00}, and I have had XXXX deferment. As of XX/XX/XXXX, I still owed my XXXX payment. When I called in to set up a payment of {$1300.00} for XX/XX/XXXX ( that would have taken care of my XXXX payment and part of my XXXX payment ) and {$1600.00} For XX/XX/XXXX. ( that would have completed my XXXX Payment ) I was told that they I was going to be XXXX months past Due in XXXX which is incorrect. On XX/XX/XXXX I would have owed for XXXX and XXXX but they are saying that I owed for XXXX, XXXX and XXXX which is incorrect. This has happened a few times where they say that I owe more than I actually do. I have screenshots showing that my XXXX payment was paid. When I added up the number of months that I have had the car ( XXXX  months to the monthly payment of {$980.00} should have been paid is {$15000.00} minus XXXX deferred payment the total that should be past due by XX/XX/XXXX is XXXX payments of {$980.00} x XXXX for a total of {$1900.00} not for XXXX payments of {$2900.00} which is what they are incorrectly saying is due. I have been dealing with this for months each month they tell me that I am caught up them they again tell me that I am XXXX days past due. The last person that I spoke with very rudely stated well the payments that you are making are going to interest which has nothing to do with trying to say that I am XXXX  months past due.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I dent know why this person at Well Fargo keeps closing the file. I want this person not to be the one reading, and trying not to help out .I need someone that goes into the account and pulls out copy of the checks that where made out to the bank for the safe deposit boxout just send me back a paper with no information, but the one you making up.Also I would like to add my investments XXXX in XXXX XXXX they were up it was a XXXX year free tax on this investment.I went personally to update my information, why haven't i received any notice, but the unclaimed homeless and need to bury my father this is a serious matter you can't keep playing, or get someone that wants to help and not you whom is just wasted my time here and at the complaint are you not the same person.