davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (VA)

Someone tried to open a XXXX charge with pieces of my information, but were declined for inadequate info. I was informed that fraudulent activity was happening, and I notified credit agencies to freeze my records. Several weeks late, I received a complete background check on myself, requested to First Advantage XXXX XXXX by a company called XXXX XXXX XXXX. I did not authorize this, but the returning information is probably enough for a criminal to " fill in the blanks '' and completely assume my identity. Interestingly, neither Arise nor First Advantage had my proper home address... they do not know the street number, yet they have the correct street. I called XXXX and they said that I had authorized a background check. I told them to send me a copy of my authorization. They sent me a generic form from XXXX, with an automated, electronic signature which is clearly not mine. Both companies are liable, in my opinion. Incidentally, First Advantage had a phony email address for me, so I had them send me the document to a legit email address.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

Hello, Im shocked, surprised, XXXX XXXX both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2023-12-08
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. (WI)

The account isnt mines. It is also hurting my credit report. I never opened these accounts. I was incarcerated at the time they were opened. I did not give anyone permission to use my information. I have supplied government documentation of dates incarcerated as well as a copy of my complaint. 


XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Deposited {$2400.00} into Wells Fargo on XX/XX/2022. Wells Fargo put a hold on it even though there are weekly deposits from this same local company and local bank of {$1000.00} and will have multiple checks in various amounts as well. The check cleared the writing bank on Mon  XX/XX/2022. The hold was until Tue XX/XX/2022 when the check showed cleared. On Wed XX/XX/2022 Wells Fargo removed the funds charged insufficient funds put XXXX day hold on the check, no doubt hoping we had started using the funds and they can charge nsf fees. I called Wells Fargo and told them the check had cleared. I offered to get a banker from the other bank, XXXX XXXX XXXX XXXXXXXX XXXX on the phone to verify the check had cleared but Wells Fargo XXXX refused and said I would have to wait the full additional XXXX days. 

This is the XXXX time in a row Wells Fargo has done this with a check that was over the regular {$1000.00} weekly deposit. On XX/XX/2022 {$5000.00} was deposited and cleared the writing bank on XX/XX/2022. Wells Fargo put a hold on this deposit, they said because of the amount it would be a XXXX day hold. This was after initially crediting it as usual, so we did have nsf fees. When I look at my account now, Wells Fargo has cleaned it up. I had to get an XXXX cash deposit of {$3000.00} to cover my account on XX/XX/2022 because the above deposit was on hold, but that is not what my account shows now. Despite what my account shows, Wells Fargo had my over 5k to play the market and make money. It put me through the ringer. Regardless of the fact it credited back the nsf charges once the deposit was finally credited as it should have been done in the first place, on XX/XX/2022, who's to say they do that everytime for everyone they do this to.? And, even if they do, they did/ could send things back causing problems with vendors, my reputation, my credit reports. 

Wells Fargo gets its information from automatically and electronically from the XXXX XXXX just like every other bank. This is not a one off as it's happened to me XXXX. This time being worse than the first. The error being so blatantly false and automatic, and according to a XXXX untouchable and unfixable on their part. 

In most cases, people would be mad at the person or entity that wrote the check. At the very least, their efforts would be in contacting a XXXX department to find out why their check bounced. So, this is very sneaky. They were not counting on a self employed person who is in a company small enough that he would check and catch on to what they are doing and report them. And, by erasing everything, they make it hard to track later once you do.
Consumer complaint received 2022-07-28
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. (NY)

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}
Consumer complaint received 2020-11-24
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: Sequium Asset Solutions, LLC (SC)

I started or was looking to start service with XXXX/XXXX  XXXX XX/XX/2020. This process was initiated online and completed in the store. I contacted XXXX  for technical support and a representative started another account in my name. I called in to customer care several times and didn't receive any help, just kept being transferred from 1 department to another. 

Fast forward, early XXXX I received a notification from XXXX XXXX regarding a collection account. 

Trouble ticket # XXXX that was closed XX/XX/XXXX, confirms that they have the equipment for account # XXXX that wasn't authorized by me. 

Nice representative at XXXX  tried to help XX/XX/2020, but she said that she doesn't see where they reported anything to a collection company.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I received an email from American Express advising they were cancelling my credit card. I called and spoke to XXXX XXXX at American Express who advised me that the company canceled my account because of negative reporting provided by XXXX. I advised XXXX XXXX I don't have any negative information on my credit report and provided a copy of my all three credit reports showing so. I then spoke too XXXX XXXX on XX/XX/XXXX who advised they didn't understand why the account was canceled because there's no reason and transferred me to a department who requested reinstatement the rep 's name was XXXX XXXX ). I then Spoke to another rep XXXX XXXX and XXXX XXXX who also confirmed they showed no reason for cancellation and transferred me to a Supervisor ( XXXX XXXX in the XXXX department Ref # XXXX ). XXXX submitted a request for my account to be reviewed and the request was rejected stating that it's because of my XXXX score which is a different reason then what I was originally provided, which is incorrect because my XXXX score has been the same since I received my card. I've been given misinformation by the company, because they have no reason for the cancellation. 

I spoke to a Manager XXXX XXXX XXXX XXXX who advised that the because I hadn't used my card that was one of the reasons. I challenged that and asked why wouldn't they send me something letting me know that I need to use my card, he stated they don't need to provide that type of advanced notice. 

I requested the complaint / grievance and he was uncertain and wouldn't provide me with information. This is going to effect my credit and possibly my home loan. I'm requesting this company reinstate my account to prevent damage to my credit file. 

Please help me get this corrected.
Consumer complaint received 2020-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XXXX XXXX, 2020, CAPITAL ONE add a hard inquiriy on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAPITAL ONE BANK USA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, 2020, CAP ONE NA add a hard inquiry on my credit report per XX/XX/XXXX.
Consumer complaint received 2022-09-04
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)

My complaint is against Experian directly. They easily allowed someone stealing my identity, starting the latest round about a month ago ( which has been ongoing for eight years ), to change at least my email address twice, then tunnel into my credit file and begin deleting key information like previous living addresses and my wife. Their customer support is pathetic. You can not reach anyone during their limited working hours unless you trick their phone system by requesting an upgrade. If you try to correct rogue login information it sends emails to the person stealing your identity. I spent fours days in total stress knowing that someone had full access to my credit information, and were able to make random changes. The illegal activity email address is XXXX, which I also reported to the federal internet crimes website. The number part is the zip code where they have fraudulent credit cards sent as a swap to a real address. In the latest round with Experian they removed a free upgraded service I had from the earlier data breach, then signed me up for one I need to pay for without noting a cost to me. It seems like their goal is to make money, not to be the caretakers they need to be to protect credit information. Is anyone actually regulating Experian to protect consumers?
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OK)

I have multiple account with Synchrony Bank. When I make a payment they do not post the payment in a timely manner. They wait XXXX business days. What they are doing is playing the float by submitting the ACH payment to my bank and waiting to post my payment until the payment is already at the bank. Just as when you walk into make a deposit in the bank and they post your deposit that day - Synchrony should be posting all payments in a timely manner, not delaying them as they are doing. 

Now if they want to delay the availability of credit that is within their rights, but they should be posting all payments in a timely and proper manner- not waiting until they have collected the funds from my bank. 

This is abusive and is hurting many customers.
Consumer complaint received 2022-12-19
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: Navient Solutions, LLC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention my concern that Navient Solutions , LLC is unlawfully reporting to third party credit reporting bureaus in violation of several laws, including the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), the Privacy Act of 1974, as amended ( 5 U.S.C. 552a ), and 15 U.S. Code 6801 ( a ).

According to 15 U.S. Code 1681a, it is unlawful for a credit reporting agency to furnish a consumer report to any person, except as authorized by law. Additionally, under 15 U.S. Code 6805, it is unlawful for a person to furnish information to a consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Furthermore, 16 CFR 433.3 and 16 CFR 433.2 require that all credit reporting agencies take reasonable steps to ensure the confidentiality, accuracy, and security of the information they report. 

I believe that NAVIENT has violated these laws and regulations by unlawfully reporting my personal information to third party credit reporting bureaus. I request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure that Navient Solutions , LLC ceases this unlawful activity and is held accountable for any harm caused by its actions. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-25
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. (IN)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX ( XXXX ), Account name : XXXX XXXX ( XXXX ), Account name : XXXX ORIGINALS ( XXXX ), Account name : XXXX XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1

5 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (PA)

I recently found out that I had a debt of {$75.00} from XXXX XXXX XXXX from XXXX. I had no knowledge of this bill. XXXX XXXX notified me that I had a derogatory mark on my credit report and that is how I found out. This bill has now been paid in full, and I would like it removed from my credit report. If I had known I had a bill in XXXX I would have paid it. I have not lived at this address since XXXX.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

There is a firm called LVNV Funding LLC that claims I owe them {$1100.00}. First and foremost, I know nothing about this company. Second, I do not owe them anything.

Third, they do not have a license to operate in Florida. As a Florida resident, this is a violation of Florida law ( Fla. Stat. 559.553 ), which requires most debt collectors and out-of-state law firms to register as a Consumer Collection Agency with the Florida Office of Financial Regulation before engaging in collection action in the state of Florida. Many people do not.

By obtaining judgments and demanding payments from consumers in places where it was not legally licensed to do so, it violated the FDCPA and the CFPA 's prohibition on deceptive actions or practices.
Consumer complaint received 2022-07-28
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this XXXX XXXX {$0.00} under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiableaccount.
Consumer complaint received 2020-12-10
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. (CA)

Spoke with XXXX XXXX XX/XX/2020 and Disputed with Equifax, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX  stating the car was paid in full and my title would be mailed in which I did receive.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I recently checked my credit report and saw several billing mistakes under 15 U.S. Code 1666 ( b ). These include errors with payments and calculations. The creditor didnt send me a statement 21 days before, so there shouldn't be any late payments. I need proof from the creditor showing I missed payments and was marked late because of their mistake. By law, these errors must be fixed or removed immediately. If not, I will seek compensation in small claims court for violating my rights.
Consumer complaint received 2023-01-27
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. (NC)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 

XXXX XXXX XXXXXXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX Balance : {$43000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX