davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new claim
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo XXXX XXXX XXXXXXXX on XX/XX/2022 to report unauthorized transaction, the young lady advised she would need to cancel my card and send me a new card. I advised that I did not want to cancel my XXXX and did not want to move forward with the request as I need my card for the weekend, she said ok. Not only was my card canceled without my permission 2 days later she did not order me a new card after explaining to how important it was to have my card. This caused embarrassment while try to make a purchase and was done without my consent.
Consumer complaint received 2020-08-21
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. (CA)

Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new  claim
Consumer complaint received 2023-04-19
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: WELLS FARGO & COMPANY (WA)

I am reaching out to you in regards of a credit decrease in multiple credit cards. I had a limit decrease with Wells Fargo furniture credit from XXXX -- > XXXX. I have been a card holder with them for three years and I have had good payment history with them other then a few months back. I paid off my amount that way I avoid anymore late payments. Once I paid off the amount I owed they lowered my limit. I reached out to them and they didn't give me an answer on their end. I was told to reach out to the credit bureau to resolve the issue. I reached out to XXXX XXXX credit and they informed me it wasn't on their end. They advised me to reach out to you guys since they cant give me an explanation on why they decreased my credit limit. During the time that this incident happened the same thing happened with XXXX XXXX XXXX XXXX where they decreased my credit limit. I am not wanting to make any big purchases. However, this has made a negative impact on my credit for the decrease of credit limit. This has made it hard for me to be able to move forward with purchasing a home.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX this year I made a payment thru XXXX XXXX to my Insurance agent in the amount of XXXX Dollars. Agent is. XXXXXXXX XXXX XXXX located in XXXX NC. phone number is XXXX XXXX XXXX ask for XXXX. I received a call from agent they were cancelling my policy for non payment as of XX/XX/XXXX. I went tp bank and talked to agent of theirs. Wells Fargo. XXXX XXXX XXXX XXXX  SC. Wells Fargo claim number us XXXX phone number is. XXXX XXXX XXXX or XXXX XXXX XXXX money shows being deducted from my acct but XXXX XXXX XXXX has never received it. I had to pay an additional XXXX to keep my insurance. Somewhere someone is sitting on my XXXX and I want it back. Thank You.j
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (MD)

Please see attached CARVANA GROUP , LLC RESPONSE to my initial complaint # XXXX Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX the Chief Financial Officer and his compadres to mishandle my securities. 

I also emailed XXXX, as requested in the contract for an initial claim to settle with arbitration and got NO REPONSE, so here I am-AGAIN!
Consumer complaint received 2022-07-18
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. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXX  XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$7900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00} IN XXXX XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-05-12
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. (NC)

My name is 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 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (NY)

This was a medical bill to XXXX XXXX XXXX XXXX for the amount of {$380.00} on XX/XX/2016 insurance paid {$72.00} and left me with a debt of {$310.00} which insurance paid it directly to the hospita after it was appealedl. They XXXX XXXX XXXX Attempts to collect this debt again on behalf of another agency XXXX XXXX XXXX XXXX XXXX and are asking me for a proof I do not have the receipt, even the hospital now has a different name which is a XXXX XXXX XXXX XXXX XXXX. I spoke to a lawyer, and he told me that this dept should not be in a collection agency. They also opened an account with a debit to decrees my credit score, which is the least thing I would care about because I already own two houses. My opinion is that this agency is trying to collect this money for themselves, and this is my complaint.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (GA)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXXXXXX Date of Charge-Off : XX/XX/2023 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2022-10-21
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: Maximus Federal Services, Inc. (NJ)

DEPT OF ED Account # XXXX XXXX Late Payment. 

In accordance with the fair credit Reporting act XXXX Account # XXXX and, 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 ar open end consumer credit plan as late
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these accounts. This is purely identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
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. (NC)

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22 by XXXX XXXX. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NV)

I bought a TV for under {$3000.00} and in XX/XX/2022 Best Buy Citibank charged over {$1400.00} in interest. I made an automatic payment to their website throughout and after my purchase. 

This was supposed to be no interest for 24 months. I am being charged over 50 % in interest and have no explanation from the company. I am disputing and reporting this unethical business from Citibank XXXX. I am not the only consumer being overcharged. Deceptive promotion over 24 months of no interest ever specifies an outrageous claim. I have no idea how this was calculated and was not aware that I will be charged this higher from no-interest financing. I would of used a different credit card had I known this.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Recovery Services (IN)

Regional Recovery continues to lie about their collection efforts with their most recent response on XX/XX/2022 stating : " The patient still owes the money and while we have ceased communication the client has, at no point, given us the ok to remove from her credit report for the " Malpractice Suit '' that we've not been notified of. '' You havent been notified????? What?! I have uploaded proof of letters sent to you on several occasions by my lawyer NOTIFYING YOU of litigation LAST YEAR!!! 
How in the world are you saying you havent been notified of a malpractice suit when my lawyer has sent you letters about it several times?????????? I have uploaded proof of that!!!! Why are you lying? 

I am going to file a complaint EVERY SINGLE DAY against you until you stop lying about not knowing about a lawsuit when there is proof of correspondence with you from my LAWYER! This further proves that Regional Recovery Services is continuing to use unscrupulous tactics by denying that they were not notified of the malpractice suit. 

I HAVE AGAIN ATTACHED PROOF OF CORRESPONDENCE SENT TO REGIONAL RECOVERY BY MY LAWYER TWICE THAT ALSO IDENTIFIES THEIR CLIENTS AS ORIGINAL CREDITORS. 

The case is available for you to view in XXXX XXXX Dockets for XXXX XXXX, Indiana. Please stop playing XXXX. It's asinine behavior.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently discovered XX/XX/XXXX that I fell victim to EDD fraud in XXXX. I discovered this accidentally, but Im glad I did. I have filed a police report, made a hand written statement and provided my identification to Bank of America EDD claims. There is no time limit on fraud. If I would have known sooner, I would have reported it sooner, but I reported it as soon as I found out. Someone was in complete possession of my card that I had no idea had even been issued out, with a complete payment history. I filed a claim with Bank of America claims immediately it is now been 24 business days and I have been denied provisional credit and I have been told it will take more than 90 days to complete this investigation. This was money that was rightfully mine and was stolen from me. I provided all that I can as far as a police report, my hand written, statement and identification. I have not had any correspondence from them via mail, phone or email. I was told I would receive provisional credit after 10 days. As I am facing hardship, and the money is rightfully mine. It has now been 24 business days and there has been no update on the case. In fact, an agent on the phone told me they havent done anything and they can give me a provisional credit while they investigate because it will take so long but they havent. I am already having a hard time knowing that all of this money was taken from me and I know that they will come to find that out. Its only a matter of time, but in the meantime, I really needed that money then and I need it now and I dont think its right that they will not offer me even half provisionary credit during the time of their investigation that may take over three months And are not providing any kind of solution or compromise for me.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I reported to all XXXX credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX XXXX XXXX that were in my name not the one I am an authorized user on. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The credit bureaus are in violation of Section XXXX of FCRA. 


Thank you.