davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
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. (NY)

Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2022-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor XXXX 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 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Klarna AB (IA)

It opened my account at Karna in XXXX of 2019. I've been a good customer always paying my account on time... Several weeks ago I was having issues getting the klarna card so I chatted an emailed several people... I finally got a response they wanted me to send in a picture of my driver 's license which I did... For some reason my birthday was wrong on the Karna account and he asked if I wanted to change that as well as changing my name on the account from XXXX to XXXX because that was on my driver 's license... I told him that it was fine if he changed those two things so hopefully I could get approved for the card ... After he emailed me saying it was updated I received another email stating that my address had been changed... I did not request a change to my address and all of a sudden my {$670.00} available to spend turn to zero and they're telling me I have a past due balance on a different account with a different email!! I have never had another email or another account on Klarna!! I also tried applying for the card again and it keeps saying unable to verify my identity!! How is that possible when I sent them my driver 's license!
Consumer complaint received 2022-08-14
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. (TX)

XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, Experian and XXXX did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and Experian. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. Experian said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX section XXXX states I have the right to privacy. 

XXXX XXXX XXXX section XXXX A XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2022-06-06
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: WELLS FARGO & COMPANY (MN)

Today, XX/XX/22, Wells Fargo replied to my original complaint and said that I did not pay in full the agreed settlement amount. They said they would not fix anything and I never paid the entire balance. I have proof this was done and they won't answer my calls or emails.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled 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 2022-12-12
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: Medical Data Systems, Inc. (RI)

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

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

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

362
Consumer complaint received 2022-06-06
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. (IN)

XXXX XXXX XXXX  XXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXXXXXX XXXX  Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX SXXXX XXXX XXXX XXXX Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} Open- XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 2022-06-06
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. (IN)

XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX balance {$810.00} Open- XX/XX/XXXX XXXX Account Number- XXXX balance {$520.00} Open- XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # XXXX balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$8200.00} XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act 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 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act 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 without my written instructions.
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (TX)

I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.
Consumer complaint received 2022-12-12
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo inserted foreclosure cost on a mortgage that was under XXXX revision and was attached as an amendment to the mortgage. Mortgage was sold shortly after revision was completed. Ballon due from foreclosure is greater than {$50000.00} to inflate the value of the loan when sell the portfolio.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I HAD an account or accounts at XXXX. I closed them ( if plural ) some years ago. This is so many years ago that I no longer have that paper file. However, in the last few days, I received a copy of a check from a merchant. The check is dated XX/XX/2022. This check purports to be from me drawing on a Wells-Fargo account. It has my name, correctly spelled, and my address, also correct. In addition, it has the name of one of my children. It has her first name spelled correctly, her birth name as an initial and her husband 's surname. All of this information is correct and current. There has obviously been a breech of information that Wells-Fargo should have held in confidence. I have contacted Wells-Fargo, but have not been successful ( yet? ) in contacting anyone connected with their executive level. - The numbers I was given are not " correct. ''
Consumer complaint received 2022-08-14
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. (NV)

THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, XXXX, and TransUnion consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while XXXX and TransUnion are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and XXXX and TransUnion are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and TransUnion is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as XXXX and TransUnion are inconsistent and not following these laws.
Consumer complaint received 2022-06-06
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. (VA)

Experian has gotten me very upset They frequently have false information and do not help you at all They should be closed down ; they just transfer you Experian XXXX detected a change to a financial account. 

Received TWO emails : Alert Found : Bank Account Change Bank : XXXX XXXX XXXX, Account Holder Information Change called XXXX ; there was no change. Membership dept transferred me to dispute. 
customer service is unacceptable. Spent an hour on phone and just got upset. They make matters worse.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (OR)

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Equifax, and they assured me that these would be removed from my report, yet theyre still there. This situation is causing me a lot of stress and frustration, and I need it resolved as soon as possible.
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC (NC)

I am being charged on a " XXXX '' credit card account which i never requested, opened or authorized. I had an " XXXX '' credit card and was informed the account would be switched to a " XXXX '' credit card, which would be sent to me for activation. I did not activate this " XXXX '' credit card. About month after the " XXXX '' switch, I received a debt collection call. I informed the collection agent that i never activated the " XXXX '' card, and i asked how could i possibly have a balance. The agent did not address the issue, and did not disclose a specific collection amount, repeatedly saying that i had an " outstanding '' balance. I thought the call a scam, and ignored the issue. Since then, i've received repeated collection calls, in which i have refused to send any money.
Consumer complaint received 2022-06-06
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (NY)

In accordance with fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 USC 1681 Section 604 A Section 2 : It also States a consumir Reporting agency can not furnish a Account without my written insturctions.

15 USC 1666B : A creditor May not treat a payments an credit card Account under an open end consumer credit plan as late purpose.
Consumer complaint received 2022-06-06
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: Atlanticus Services Corporation (CT)

My account was fraud and reported to the police department which ive provided police reports i also notified Aspire credit card and the Fraud supervisor agreed to remove this account Asap. Also XXXX XXXX bank which XXXX credit cards was maxed out and charged over the limits in my name please delete these accounts.
Consumer complaint received 2022-06-06
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account : 1. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-08-14
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: CLGF Holdco 1, LLC (PA)

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 1581 USC 1681 XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to my privacy.

15 U.S.C 1681 Section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account with out 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer to any reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-24
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. (LA)

I am unable to get any credit due to stolen identity medical bills and extremely low scores. I dont iwn or have any of that debit in my name. My credit score was XXXX. Please correct! Strongly XXXX and can not make it. Please help! I paid XXXX XXXX XXXX monthly and I also dispute.all agencies They added more. I need credit ASAP! 

XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"