davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint with the TRANSUNION regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, please carefully check and read this complaint, as there are highly questionable and inaccurate items being reported on my credit, this is absolutely frustrating. This is negatively affecting my life and scores which is so unfair it is stressing me out.
Consumer complaint received 2023-02-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Kohls Dept store reported a late payment in XXXX XXXX XXXX  I explained to kohls via phone records and via certified Mail that my consumer rights were violated as per 15 US code 6802 B. 

Kohls violated my consumer rights and didnt conduct a proper investigation on their behalf to resolve the issue. I asked for additional information and proof of investigation, and no information was provided to me. I was never given the option to opt out of reporting.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo continues to be incredibly difficult to deal with at almost every turn. While there have been a few kind and helpful people along the way, too much time and energy and money has been required to do what seems like a few simple things. 

These things are -- getting online access, getting bank statements in order to do taxes, changing an address, and removing a deceased joint owner. 

No such trouble was encountered recently at another financial institution. Everything there went smoothly and quickly with no stress or burden. 

It's difficult enough losing a family member without this " insult on top of injury ''. 

This is our second complaint. 

Please help and make things right!
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

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

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

15 UCS 1666B As a creditor you may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with XXXX XXXX XXXX in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by money gram on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that XXXX XXXX XXXX told them that pay history was wrong. I also send a copy of XXXX XXXX transunion credit report showing this account is still open open on credit report.,
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (CA)

Phoenix Financial Services does not have a license to act in the State of California. They are attempting to collect a debt that they claimed I owe but are acting outside the bounds of the law. Their NMLS ID is XXXX. They are licensed in 12 states but California is not one of them. I already paid them {$260.00} but after submitting an initial complaint, I realized that they are not acting within the bounds of the law.

The letter they sent me clearly shows that it was mailed to my address in California and that they are attempting to collect a debt. They even accepted payment from me over the phone while I was in California. This is highly illegal and they need to be investigated for engaging in illegal activities.

For anyone who is dealing with Phoenix, double-check their NMLS ID to make sure they are able to practice in your state. Very likely, they aren't. The image I provided clearly states " California License Number : Application Pending. ''
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-03-02
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: MicroBilt / PRBC (formerly CL Verify) (NY)

XXXX XXXX XXXX XXXX XXXX  ) and PRBC are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and PRBC unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2022-11-13
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: CBC Companies, Inc. (NV)

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT IMPOSSIBLE XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX & XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

I have received several letters in regards to a collection from XXXX XXXX XXXX XXXX XXXX XXXX ). I noticed a few inaccuracies in these letters. This is addressed to XXXX XXXX XXXX but the original account belongs to XXXX XXXX. My name is XXXX XXXX XXXX Not the name listed on the account/letter. I am also disputing this because my consumer rights have been violated. I was informed that collectors can not contact consumers, 15 USC 1692c ( a ) - Communication in connection with debt collectors. I have received MULTIPLE letters in regards to this inaccurate account which leads me to the next violation. I feel as I have been harassed, 15 USC 1692d states that collectors are not to harass consumers. I currently reside in XXXX, TN. This collection agency is in XXXX, IL. This is considered another violation, 15 USC 1692b ( 2 ) acquisition of location. PLEASE remove this account so I will stop being harassed.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from Law Offices of XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the MAX amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account Immediately!
Consumer complaint received 2024-09-09
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. (NY)

I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXX XXXX bank XXXX date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have had 2 inquiries that I have no clue why were run. I have not applied with capital one or kohls. Please see screenshot for inquiry details run on XX/XX/2023 and XXXX XXXX
Consumer complaint received 2024-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED (IL)

I am writing to file a follow-up complaint regarding a previously submitted case on XX/XX/XXXX  ( complaint # XXXX ), concerning an account reported by NCS on my credit report. 

In my initial complaint, I stated that I was unaware of this debt, did not have the opportunity to dispute it, and did not receive proper notification. XXXX responded, claiming that they could not locate the account in their system, even though I provided all the account details as listed on my credit report. 

According to the law, if a creditor can not verify an account, it must be removed from the consumer 's credit report. However, as of XX/XX/, when I ordered a credit report from XXXX, this account is still showing on my credit report. 

I respectfully request that this matter be reviewed again and that XXXX or the credit reporting agencies be directed to delete this unverifiable account from my credit report immediately. Retaining unverifiable information on a credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. Please feel free to contact me for any additional information or documentation needed.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (MD)

Good Afternoon, My name is : XXXX XXXX XXXX I am the legal and authorized representative payee for my son, XXXX XXXX XXXX. I have been using-Direct Express issued by : Comerica Bank . 
On Saturday, XXXX, XXXX, 2023 ; I was attempting to pay my son-telephone bill- Metro and the card number security code was not being accepted. I could not understand ; as I have paid with this card many times.

Inadvertently, when I called to get an account balance from, Direct Express ; I was switched to card services.

They informed me that card was blocked. I was advised of the documents that would be needed to unblock card. 
I faxed documents that were determined received ; but too dark. I then was advised of their email address : XXXX. I sent ten ( 10 ) email with copies of the documents front and back. I forwarded XXXX-State of Maryland, actual ssn card, address correction card and physical government employee ID from XXXX XXXX Government XXXX I was then advised on tenth try that ID were approved ; but birth certificate was still needed. All documents forwarded were received because of presentation of my birth certificate. 
Never the less, I had to obtain an appointment- XXXX/XXXX/2023 @ XXXX XXXX. I also went to Social Security Administration to report that I could not access funds. They contacted Direct Express and card is still block. 
My ticket numbers are : XXXX and XXXX. This willful refusal to unblock my sons benefits has created a severe hardship and exploitation of the a XXXX and vulnerable person. I can not even get my son medication and monthly expenses must be paid. 
In closing, this is a request for a full investigation as to the practices this company has and the willful neglect and financial exploitation that has been continuing with still no access to the benefits ( as I write this ). They never requested any of the verification when account was opened. They did not request my phone number or suggest and request my email and telephone number. They simply requested a PIN number to receive monetary government issued benefits. 
In closing, hopefully this company illegal practices will be brought to light and exposure to warn others and government officials of banking, and financial institutions and markets. 

Searching for Justice, XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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: ONLINE Information Services, Inc. (NC)

In accordance with the Fair Credit Reporting act ONLINE INFORMATION SERVI account # XXXX has violated my rights. 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
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (MS)

Radius Global Solutions have called my phone several time regards a medical bill that I dont know anything about. The charge is {$56.00}! I asked several time to verify that it was me and I havent received anything. They keep calling my phone and telling me that I need to pay this bill, lawsuits, garnishments etc. This is showing on my credit report.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, there was a checked that I mobile deposited in the amount of {$4000.00} from a customer who paid for work rendered. The bank stated the money wasn't debited into my account and send out a letter to confirm that. The customer later stated she had paid us in full and that the check had came back for insufficient funds but Wells Fargo debited the check again in which it went through, but Wells Fargo stated in the letter it didn't. Later a lawsuit was filed and mediation was done, but we couldn't come up with a resolution on the case so had to go to court for trial. The XXXX decided because we're goin to trial she wants {$9500.00} for lawyer fees and lawsuit. As trial was going on the judge noticed the check wasn't endorsed and asked if we can talk to our bank about the check being mobile deposited without endorsement. The XXXX in the case agreed to settle out for {$4900.00} seeing that it was a error on the bank. Wells Fargo is denying they made a mistake and refuse to pay out for misleading information provided.
Consumer complaint received 2022-08-27
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. (AL)

In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions