davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (IL)

Experian keeps reporting collection accounts that I have no knowledge of, have not received any notification, and have not been verified. The reporting of these accounts by Experian is in violation of federal law, in that these accounts violated The Fair Credit Reporting Act, FCRA, Health Insurance Portability Accountability Act, HIPAA and the illegal practice of parking a debt XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a four-week period, verified this account as meeting FCRA standards. This is totally incorrect, when I contacted XXXX XXXX XXXX and they could not provide information or validated this account. XXXX XXXX XXXX removed this account from my credit report, see attachment. But as of the writing of this letter Experian shows the status of this account as REMAINS. Why is this? Is it because this account is link to XXXX XXXX XXXX? 

XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a 12-day period, verified this account as meeting FCRA standards. This is totally incorrect, when I contacted XXXX XXXX XXXX, while they did not respond to my letter, they did remove this account from my credit report. See attachment receipt of delivery. Experian shows this account as inactive. 

XXXX XXXX XXXX reported account # XXXX to Experian without prior notification, a clear violation of FCRA. I disputed this account with Experian and within a four-day period, verified this account as meeting FCRA standards. This is totally incorrect, I contacted XXXX XXXX XXXX, by certified mail, and refused to sign delivery receipt, see attachment. According to the United State Postal Service when this happens, receipt will show left with individual. Why would XXXX XXXX XXXX XXXX to sign receipt of delivery? Fair Debt Collection Practice Acts states they have 30 days to respond. It is very apparent by this action XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act, Health Insurance Portability Accountability Act and the illegal practice of parking a debt. Experian why is this account linked to XXXX XXXX XXXX? 

XXXX XXXX XXXX is known for unethical and questionable business practices. Is a third-party debt buyer whose sole practice is pay to delete. 

All of the above listed accounts failed to provide notification, of a collection account, in violation of federal law. As stated above, are in violation of The Fair Credit Reporting Act, FCRA, Health Insurance Portability Accountability Act, HIPAA and the illegal practice of parking a debt.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I recently made a claim regarding purchases made with my debit card in XXXX, Georgia. I have never been to XXXX, and Wells Fargo denied my claim. One purchase was for {$11.00}, another for {$110.00}, and one for {$62.00}. All these transactions were made on XX/XX/scrub>XXXX XXXX
Consumer complaint received 2021-06-03
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: CITIBANK, N.A. (CA)

Applied for a Macy 's XXXX XXXX XXXX. However Card Denied. reasons : 1. Serious delinquency, and public record or collection filed-Provide proof? 

2. Number of accounts with delinquency- Provide account names? 

3. Time since delinquency is too recent or unknown- Provide time and dates : 4. Length of time accounts have been established- Provide length time names? 

Please provide insufficient requested information as stated above.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

I use XXXX as a credit monitoring service so I get an e-mail every two weeks. On XX/XX/2020 my credit score was shown to be XXXX. On XX/XX/2020 it dropped to XXXX for no apparent reason. Nothing had changed on my side of the equation. So I called Experian and elevated my complaint to a supervisor and was told for some internal Experian reason my data file was split causing all of my open and closed accounts to be erased. No open accounts, no payment history, no account mix, nothing. When in fact I have two open mortgages, two car payments, and a couple of credit cards and some other open accounts. So they said that they would fix it in 3 to 5 business days. I waited a week and nothing happened so I called again. This time they could see the split data and would escalate the call to repair my file in 24 to 36 hours. That was a week ago. I have worked hared to earn and maintain my high credit score and I want my data restored with some explanation as to what happened. These folks are just playing around with our lives and our business and they don't seem to care at all. Please Help!
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

My name is XXXX XXXX and I have been contacted via mail by the company 'Receivables Performance Management LLC ' on a debt that is owed to XXXX XXXX. ' I have never had services with XXXX XXXX, nor ever resided at the address that the debt is tied to. 

I have contacted the collection company to let them know, it is not my debt- They advised to fill out a police report and contact the credit bureaus which I have done. The credit bureaus explained to ensure to reach out to the FTC which redirected me to the CFPB. 

The 'Receivables Performance Management LLC ' company has already taken a hit on my credit, when this is a debt that I do not owe. I am attempting to ensure all steps are followed correctly so this 'collection ' will be taken off my credit report correctly and in a timely manner. 

Thank you, stay safe. 

XXXX XXXX
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Experian hasn't update my XXXX XXXX since XX/XX/XXXX. I'm trying to bought a house and my lender can't see my XXXX XXXX. I have been trying to call them but they don't have an option to talk to human. I sent them a message on XXXX but they can't fix my problem. This have been happening for XXXX months already. I don't know if my account is blocked or freeze but I have never give them consent to do that.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

These accounts were opened by me and remained in good standing for years until my identity was stolen by someone with access to all my information in 2020. I have already spoken to XXXX XXXX Wells fargo MANY MANY times, i've sent in police reports, emails, calls, anything you can think of. I'M GETTING SICK AND TIRED OF HAVING MY FINANCIAL LIBERTY STRIPPED FROM ME BECAUSE OF SOME IDIOTS THAT HIJACKED MY LIFE 4 YEARS AGO. I'M TRYING TO PURCHASE A HOUSE SOON AND I HAVE ZERO CHANCE DUE TO THESE NEGATIVE ACCOUNTS STILL REPORTING TO MY CREDIT EVEN AFTER SENDING IN ALL THE REQUIRED INFO THEY ASKED OF ME. THESE ACCOUNTS WERE REMOVED AT SOME POINT FROM MY CREDIT REPORT MONTHS AGO AND JUST GOT UPDATED AGAIN AT THE BEGINNING OF XXXX AND HAVE RETURNED.
Consumer complaint received 2020-11-03
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: AMERICAN HONDA FINANCE CORP (GA)

I have disputed these accounts on my XXXX  credit report that belongs to another person multiple and XXXX  says they will remove and has not removed it. It does not belong to me. Im a victim of identity theft.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This complaint is regarding account # XXXX. I notified Bank of America and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I am a victim of Identity Theft and have been a part of the XXXX Breach Settlement. My information has been compromised and I indicated this to Bank of America. Bank of America agreed that once the account was settled that the account would be deleted from my credit files. I have no knowledge of opening up this account. I have traveled in and out of the country and my personal information was exposed. I still see the accounts on my credit reports and ask that these accounts be removed entirely.
Consumer complaint received 2023-05-06
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. (FL)

In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX 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 state a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-14
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 — Investigation took more than 30 days
Company: United Consumer Finance, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (FL)

On XX/XX/2022, I went to a car dealership to start my car search and without my permission my credit was shot around to MULTIPLE companies and i would like the hard inquiries removed. Thank you *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I was in the local Wells Fargo branch over a month ago requesting tax statements for me for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was XXXX in Georgia from XX/XX/XXXX to XX/XX/XXXX and am now just getting the chance to gather prior year documentation. 
Please note, I closed all of my bank accounts prior to my XXXX, including those at Wells. I had no open accounts at Wells Fargo during XX/XX/XXXX, yet I received an Wells1099 for the year indicating an income of {$690.00}, which the banker who provided me the document was unable to explain but Wells now cites as originating from a bond that was manually redeemed by Government Reporting. in their letter of XX/XX/XXXX.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020, I notified Transunion credit bureau that the there were incorrect balances on my credit report for XXXX account and XXXX XXXXXXXX account in which my balances were paid off to XXXX dollars. After investigation was complete within 30 days, my credit score did not increase and Transunion fails to adjust my credit scores after balances are corrected and paid in full.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-03
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time I didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WA)

I recently reviewed my credit report and noticed the following inquiries that I did not authorize : Inquiry Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX OF XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (PA)

This is " XXXX XXXX '', I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX is reporting inaccurate information on my credit report the dates that show late payments are incorrect. I called XXXX XXXX and spoke to a XXXX to have any late fees removed from my credit report because I experienced financial hardship due to Covid-19. XXXX said XXXX XXXX requires documentation of hardship from employer. I explained to her it is a violation of my rights to privacy. Law 15 US Code 1681 states such violation and right to privacy. Furthermore because I let the employee XXXX know my financial hardship is due to Covid-19 she should have been helpful with processing my hardship instead she said she cant help when I asked to speak with her boss she said she is the highest one in her position.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This identity theft report with the FTC was not made in error and is not a material misrepresentation this account is fraudulent the federal law states that identity theft is a punishable offense and one could be held liable for XXXX XXXX XXXX XXXX  or {$5000.00} or both. A bank statement or any statement from third party is not evidence I owe a debt.
Consumer complaint received 2022-07-11
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. (VA)

I had one account with XXXX XXXX XXXX which was in great stands by the way since XXXX. I received and alert XXXX, experian XXXX  and XXXX XXXX XXXXrom my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX  said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (MS)

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.

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.