davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is just a continuous problem that they refuse to acknowledge or do anything about. 

1. XXXX XXXX XXXX should be removed but continues to show on my " real '' credit report. 

2. XXXX XXXX XXXX also continues to remain on my " real '' credit report. 

Those addresses are very outdated. They added the correct addresses but failed to remove the outdated ones. 

3. XXXX XXXX XXXX I'm not associated with any longer, needs to be removed. 

4. XXXX  I'm also no longer associated with and haven't been for years, also should be removed.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXX/XX/XXXX XXXX Balance : {$13000.00}XX/XX/XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA once told me to send the last 10 digits of my debit card to them within their specific secure e-m reply site. I did. BofA then impeached its own instructions by saying that what I had sent to them AS IT INSTRUCTED ME TO DO was unacceptable. 

BofA replied with a stupid comment. STILL WILL NOT EITHER FIX its e-m security code link -- - AND -- - REFUSES to send a SIMILAR CODE VIA C-PHONE TEXT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX 

added note re CFPB website : Q on p.5 of 5 re is anyone else involved in this matter only offers 2 choices -- - NEITHER applies -- - my HUSBAND ( XXXX XXXX has 100 % been involved and helped me and has 100 % access to my personal and financial info but is NEITHER a joint account holder nor an additional card holder -- - he is involved because I WANT HIM TO BE, and he has my 100 % XXXX authority and account info access, ... not for BofA 's legal dept reasons. his e-m is : XXXX. your website needs this added option answer for this question. otherwise, your website is very good. thanks.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

According to the credit reporting act these creditors have violated my rights under 15ufc1681 section 602 states that I have the right of privacy 15ufc1681A section 2 also states a consumer can not furnish an account with out my written instructions under 15ufc1666b the creditors may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

This complaint is in regards to " Convergent Outsourcing, Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, WA XXXX Twice I've gotten letters in the mail from this agency stating that " They have been authorized to accept payment of XXXX % of the total amount owed, which is XXXX, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. ) The top of the letter says I owe XXXX dollars. 

After doing some reading on Convergent, this is a scam. 

I was XXXX XXXX XXXX when I broke my contract with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are able to get out of cell phone contracts. 

If XXXX forgot to dot an I or cross a XXXX, that's not my fault, I hav n't used XXXX since XXXX, and I'm just now getting a letter for this? 

Clearly, Convergent is attempting to scam me. I left XXXX with a clean slate, and if XXXX for some reason didn't update something, again, XXXX, I'll provide all the evidence I need that I was XXXX XXXX on a XXXX overseas. 

The Audacity of this company. 
I don't know how they think I owe XXXX Money, but I was able to cancel my contract with XXXX due to leaving for an XXXX XXXX XXXX.
Consumer complaint received 2022-10-12
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. (MI)

15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (PA)

Experian is required to follow the law regarding investigations of disputed inaccuracies from me, a consumer, whose records they must keep accurate.. When I asked Experian to investigate my factual disputes, they stalled and kept telling me the information was verified and updated, even though the dates they show as updated are several years old My disputed items were not updated. Experian never sent me proof of method for verification. I was notified by them that my disputed items were updated with absolutely no updates or proof of their investigation. 

This is a serious violation. 

Experian never conducted an independent investigation, because if this was done, they would have immediately determined that these accounts are incomplete, and therefore, inaccurate. Experian 's verification process ( e-Oscar ) did not fix the problems. I have never heard of e-Oscar until recently and do not see this tool mentioned in the FCRA. Therefore, Experian did not conduct the legal independent investigation of these accounts. 

In many cases, Experian appears to be intentionally suppressing my credit score by inserting negative items, absent of all account details! 

I am entitled to monetary damages, and I need all information they used to verify these accounts to prepare my legal case. 

I want Experian to please correct, update or delete the accounts below. I also would like to know how they, as a CRA, determine incomplete payment history as accurate. How did they verify this information? 

This is not a request for another round of disputes! 

These accounts, appearing on my Experian Report, have missing payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-22
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: FAIR COLLECTIONS & OUTSOURCING, INC. (IN)

I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. XXXX XXXX and Fair collection & outsourcing have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my XXXX credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
Consumer complaint received 2021-04-22
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: Diversified Adjustment Service, Inc. (IN)

I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. Diversified adjustment and XXXX XXXX XXXX XXXX  have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2023 at approximately XXXX p.m I deposited a check for {$7000.00} at the Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX AL. Today 's date, XX/XX/2023 at approximately XXXX p.m I entered the Wells Fargo located at XXXX XXXX XXXX, XXXX AL XXXX and spoke with a female clerk at the desk claiming to be a member of management about getting an advancement in funds from the Check that I deposited the night before to pay a bill. First she said that she could. Then she stated that she didn't even see where I made a deposit. I informed her that that was not true because I had the receipt saying that the funds would be fully available on XX/XX/2023. She replied with an attitude that she saw it and that the funds would be available on XX/XX/2023, then gave me a nasty look and mumbled something underneath her breath. This is the same bank we had problems with last year. These people, espeacially the manager, have nasty attitudes and are very prejudice. 

When she verified that the check would clear on tomorrow 's date, XX/XX/2023, I wrote two checks totalling {$1300.00} for bills. Now at XXXX while checking my account, I find that a hold has been placed on the check until XX/XX/2023 which is causing me hardship. I have never had a returned check but I guess it will be a returned check now thanks to this lie that Wells Fargo purposely and fruadulantly placed to harm me. If the two checks that I have written to XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX are returned due to the misleading, unprofessional, fraudulent, and ill-breded attitude that this XXXX  manager at the Wells Fargo branch this complaint is filed against, I will pursue legal advice. She told me out of her own mouth that it would clear and I did have a witness with me. Why do we as customers have to continue to endure such unprofessionalism and discrimination from these people that we are trusting our money and livelihood with when they continue to betray us with their deceitful ways.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (IL)

Primary Concern : CREDIT REPORTED as DELINQUENT by AFFIRM to XXXX Installment loan : XXXX ( {$250.00} ) I have been using AFFIRM for quite sometime and I was able to pay them until the pandemic struck. I struggled juggling my finances and had to make necessary options until I can get back on my feet. 

With this, I established a communication with AFFIRM, expressing my concerns like late payment options and other specifics like which account would lead into reporting to the credit bureaus. I made several calls back in XXXX of XXXX and other follow up calls on XX/XX/2022 wherein I was able to talk to a number of representatives and supervisors. In this call, I specifically asked if what accounts would be reported to the credit bureau because I am afraid that I would not be able to pay all of my loans at once during their deadlines, and instead, I need to prioritize the account or accounts that is imperative for reporting. I was told that ONLY one account is subject for reporting and I am aware of that already. I asked not just once, not even twice but various times just to be aware of what I will be expecting. 

I reached out to them with all the good intentions and in good faith because I still want to continue using AFFIRM. I have laid down my concerns and I believe that it also important of them to work with the customers given the impact brought about by the global pandemic. I continued to pay and tried my best to catch up specifically the one account that I'm aware for reporting, since I know what damage it could do to my credit report. 

However, just recently, there was another account reported to my XXXX, it was tagged as delinquent and I was horrified since this particular account was not meant to be reported since I have asked various time about this concern. 

I immediately sought for their help, asking them any option for this report to be removed because it was deceitful of them to say that only one account is for reporting and I took those words seriously and all they were saying was, they're sorry for the miscommunication but they can not do anything about it. 

As a customer, we rely so much on customer service representatives or anything that directs us to a REAL PERSON, in this case, they have proven that it's okay for their representatives to make mistakes, to feed misinformation and they will not own anything because in the end, they do not care about their customers, only the money. 

My ultimate issue here is their inability to investigate properly, and shrugged off my plead from the beginning to meet in the middle just for this delinquency to be removed. They fed me with misinformation and they refused to work with me. 

I have proof of e mails that I have communicated with them and I also believe that all calls were recorded.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 2021-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 we while on vacation in XXXX we stayed at the XXXX XXXX XXXX, were corned into a travel membership in which we were told that could be cancelled at time by the representative. We still stated that we did not need this additional expense but they insisted to try and then we could cancel if it didn't work for us in which my credit card was charged {$2800.00} with re occurring charges of {$43.00}. We when returned to the US we reached to the company that we will like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and continued to charge. They stated that in order for us to cancel we would have to first use the service and if dissatisfied then we would be able to cancel and the representative XXXX state in order to not loose our money we would have to do a revised membership and then we could cancel if the service provided was lacking. Under the advisement of XXXX we agreed to a temporary membership with the intent to cancel. We have been sending cancellation request for the last 8 months and no response. 

We finally reached to our bank- Bank of America to file dispute against the charges because the company refuse to respond to us and instructed Bank of America to stop payments on the charges and provided evidence that we attempted several tines to cancel the membership and the company refused to cancel and refund. Bank of America is still allowing this fraudulent company to charge my credit card, even after filing several disputes against this company. Bank of America is charging my credit card.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my credit report with transunion and found numerous inaccuracies, namely three collection accounts for which I had disputed. In disputing those three reportings by company I requested the following information per the Fair Credit Reporting Act, Section 611- Proof of origination of accounts, correct address, phone, birthday and SSN. I asked that Trans Union provide this information to me in writing. They did not, in fact they quickly responded that they deem the accounts accurate within 18hra of my filing the disputes. Transunion does not work on behalf of the consumer nor do they respect direct requests to prove the ownership of those accounts they are reporting which seriously damages consumers financially. I will provide the letter sent to transunion which went ignored and I would like to have their practices investigated for all consumers dealing with their unfair reporting.
Consumer complaint received 2023-02-01
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX