davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (AL)

On XXXX XXXX, 2022, I sent a letter to courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating. " They do not report any bankruptcies to anybody '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 Section 603 ( 3 ) ( E ) States The term '' investigative Consumer report " means a consumer report or portion thereof in which information on a consumer characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC1681.

According to 15 USC1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 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 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXXXXXX XXXX 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 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

Citibank, issuer of my XXXX XXXX XXXX card has informed me in a letter dated XX/XX/XXXX, that my card is expiring and will not be reissued. " We are unable to send you a new card due to a charge off on another credit card account issued by Citi ''. I have about XXXX miles accumulated over 20 years that they will be confiscating by cancelling this card. They have not been specific regarding the 'charge off " on another Citi Card ... .but I am pretty sure that it refers to a card from several years ago when I paid for one unsatisfactory service from a Cheat Web service -- - XXXX XXXX XXXX '' They signed me up for a multi-month auto payment program. I went months without using the card until I received a statement 8 or 9 months later that showed those charges and a bunch of Citi add-ons. I protested, verbally and in writing. To my knowledge they did nothing to curb Just Answer. I told Citi that was willing to pay for the first month of no answers from XXXXXXXX XXXXXXXX, but I wasn't paying the many months following, and their add-ons. I just stopped using the card. 

That was years ago. I probably have, with my wife, 5 or 6 different Citi cards, for decades, -- -- all paid in an timely way except when Citi 's website isn't working and I have to take a couple days to complete payment. I have declined to pay on this one card because I feel that I was cheated and that Citibank aided the Cheater. 

Can they now steal my air miles?
Consumer complaint received 2022-02-16
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)

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF ED/XXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF EDXXXX **** {$1900.00} ( XXXX lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF ED/XXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF EDXXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (VA)

On or about XXXX XX/XX/XXXX I called jefferson capital at XXXX XXXX XXXX. I was asked for the reference # XXXX. I asked why they had sent me a collection letter plus increased the number of years owed to 14 years. The original debt owed allegedly ended in XXXX but I was told I was sent a reduced amount settlement. There employee stated that I agreed to pay the lesser amount and that I paid {$20.00} towards The debt. They said because of that they increased my payment end date to XXXX. I told them that I never agreed to anything with them and they have committed what I suspect is criminal fraud. I asked there employee that I'm was protesting there claim and I would like all documentation to include the court order. By the way i have never seen a court order saying I owed these people anything. 
Please advise.
Consumer complaint received 2022-06-29
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. (CA)

INACURACIES ON MY CONSUMER REPORT. XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). COUNTY OF  XXXX XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( XXXX ). 


I ASKED YOU TO DELETE THE ACCOUNT BECAUSE OF ALL THE INACCURACIES, I DIDNT ASK YOU TO CHANGE DATES THAT WERE INACCURATE. YOUR INACCURACIES ARE STOPPING ME FROM A MORTGAGE AND MY KIDS THRIVE AND GROW, DELETE IMMEDIATELY INACCURATE ACCOUNT DATE ALL OVER MY REPORT.
Consumer complaint received 2023-02-24
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2022 I contacted Capitol One regarding a payment {$1200.00} that was for XXXX statement but applied to XXXX statement. Spoke to a manager that informed me how payments are allocated if paid before closing date. He was unable to move payment so he notated account of issue, waived late fee id applied and that no payment was due XX/XX/2022. He also confirmed cancellation of 3 payments scheduled on XX/XX/2022 for amounts below due to allocation concerns. 
1. XX/XX/XXXX {$100.00} 2. XX/XX/XXXX {$200.00} 3. XX/XX/XXXX {$200.00} During the call I rescheduled 2 payments for amounts below. I have been in contact with Capitol One mulitple of times requesting that canceled/unauthorized payments are refunded. Capitol One has refused to refund payments and wouldnt explained why payments were drafted after canceled and 2 payments on different dates ( 1. XX/XX/XXXX - XXXX and XX/XX/XXXX - XXXX ). On XX/XX/2022 I spoke to a manager by the name XXXX who created a ticket to have payments refunded promised to follow up with me on request on XX/XX/2022, manager never followed up. I also requested during that call that my account is reviewed for accuracy ( balance and interest ). I was advised that a different department will follow up within 7 to 10 days. I havent received no follow up. On XX/XX/2022 I contacted Capitol One again spoke to manager XXXX who advised me that request to refund unauthorized payments were denied. She was combative and refused to provide any further information and disconnected call. 
1. XX/XX/XXXX {$1500.00} 2. XX/XX/XXXX {$1000.00}
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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 2022-06-23
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. (NC)

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2022-06-23
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. (NC)

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : 1 ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXXXXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX  reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX  and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.
Consumer complaint received 2022-06-29
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. (TX)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
How can this account be closed and yet it states that I am still paying on it in the monthly payment section Once an account is closed there should be no monthly payment unless the status says " now paying was charged-off '' 15USC 1692e. False or misleading representations XXXX XXXX XXXX Account Number : XXXX Inaccurate. invalidated account prove it XXXX. You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I XXXX XXXX XXXXXXXX Account Number : XXXX Please remove accounts and DO NOT PERMIT to be re-inserted or reported under another name alias etc. immediately.
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 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 2022-06-29
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: Bread Financial Holdings, Inc. (OR)

I have 2credit cards that i enrolled in XXXX XXXX an extra safe back up if I was having difficulty making payments on my cards. I paided an additional monthly fee on the cards for this feature. I attempted to contact XXXX  or XXXX and credit cards about my issue no one will help me and I can not get in touch with any one at XXXX. the credit cards are with XXXX and Victoria secrete and are both managed by Comenity. my cards are now in default and reported on my credit report.
Consumer complaint received 2022-02-16
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)

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXX **** {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXXXXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo will not comply with my requests to obtain my lawsuit award monies from unauthorized fake accounts and unauthorized bank charges. Unwanted calls and infrigment of my life. 

Wells Fargo has All Documents regarding my account opened in XXXXXXXX XXXX 
I resided in XXXX XXXX  XXXX and XXXXXXXX XXXX. Wells Fargo has all documentaion, which I provided to settle this lawsuit. 

XXXX XXXX provided my State of XXXX XXXX XXXX. Wells Fargo has my new XXXX of purchase with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX. SS XXXX XXXX XXXX There is no further need to verify my identity. This is a continual complaint. This is harassment and is unwanted. 

I have been provided phone numbers that no one answers at Wells Fargo and harassed continually by Wells Fargo, which is abuse. 
I have provided every document to Wells Fargo per request. The State of XXXX  and the United States Federal Goverment also has the same documents which has been provided Wells Fargo. 

Also, ( XXXX ) is an inoperable phone number to contact XXXX XXXX Executive Office Case Specialialist provided by Wells Fargo. I called several times before XXXX am Central time. All calls failed to this number, Documented time in XXXXXXXX XXXX is XXXX. 
XX/XX/2022. In the past when I requested financial assistance I was provided numbers where this was noted. No bank associate responses back.