davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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. (OK)

I have submitted disputes to Experian, XXXX  and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX
Consumer complaint received 2020-06-25
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: HW Holding, Inc (NV)

In XXXX, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as Hunter Warfield. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, XXXX and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2020-05-15
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. (CA)

The below accounts do not belong to me I have been trying to resolve this issue but I get nowhere, I'm a XXXX veteran and I'm trying to buy a home and this is stopping me from doing so, all the accounts info is below. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Account # XXXX XXXX XXXX XX/XX/XXXX Balance {$1500.00} XXXX Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$690.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$630.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$520.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$260.00} Account # XXXX XXXX   XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX XXXX   XXXX  Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$100.00} Account # XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I spoke with a offshore representative from Capital One XXXX XXXX name XXXX at XXXX I asked him to provide a pay off balance to pay to XXXX out my account since prior the call I paid over XXXX wanting to XXXX out my balance and previous rep never told me that pay off balance will be different vs what's online. They charged XXXX  in Interest. He told me my pay off is XXXX now and he guarantees no more interest will be charged to my account. I made the payment while had him on the phone. On my most recent statement they charged me XXXX interest again! I just poke with an onshore supervisor name XXXX on XX/XX/XXXX at XXXX XXXX and asked her why I'm being charged again she said : XXXX didn't list XXXX transaction as PAY OFF! they charged residual interest and we can't wave it .... ' Where I was told by the XXXX on XX/XX/XXXX that's my the payment I'm making of XXXX is my PAY OFF amount and he guarantees there won't be any more interest charged. Just because he failed to mark XXXX as PAY OFF I was charged with interest again. It's ILLEGAL what Capital One does! She refused to look up the phone conversation. If they record all the calls they much check XX/XX/XXXX call and waive XXXX! I should've never been charged XXXX!!!
Consumer complaint received 2022-07-17
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. (GA)

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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 an 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 2022-06-14
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (VA)

Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost XXXX years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had medicaid during the time this was even a factor.. XX/XX/XXXX the state of XXXX law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/XXXX.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account Account Number : XXXX Please remove it from my credit report. 
6. Validate Account Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I applied for the Covid forbearance in spring XXXX XXXX. They gave it no problem but when it ran out 18 months later they refused to let me modify the loan as one of their options said I could. They claimed that option was only available for my primary residence. This used to be my primary residence but has since become a property I rent out. I was severely impacted by Covid 19 but because my tenants were not they said it doesnt qualify for anything and I had to repay the entire balance of missed payments or they will foreclose. I had to borrow money from family to bring it current. Wells Fargo made up rules as they went and despite me asking numerous times they could not provide me any paperwork stating the terms they said prevented me from being eligible for the loan modification. I even opened a complaint with HUD and no help and complained to the XXXX with no help.
Consumer complaint received 2022-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have XXXX inquiries on my report that are not mine. I did have some identity theft issues in the past but they have been resolved. There are XXXX inquires not mine. One is XXXX XXXX XX/XX/21 and XXXXXXXX XXXX XXXX  XX/XX/21. I want these removed ASAP. I have mailed Transunion letters but they have gone ignored. The XXXX employees are all working from home so operations is extremely sloppy and under managed.
Consumer complaint received 2022-09-16
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. (FL)

I received a credit monitoring alert, for a hard inquiry by XXXX XXXX XXXX XXXX XX/XX/2022. I called XXXX to let them know I did not apply and they confirmed my social security number was used to apply for an account. I filed and obtained a police report for identity theft. There have been four request made to Equifax to remove the fraudulent inquiry, dated XX/XX/2022. To date the inquiry has not been deleted or blocked, despite the fact that Equifax has been sent a copy of my driver 's license, social security card, utility bill, identity theft police report, and notarized FTC ID Theft Affidavit ; each time.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I went to the XXXX dealership to apply for a car loan, the sales associate informed me that my credit would only be pulled by XXXXXXXX XXXX XXXX XXXX Largo automotive group, XXXX XXXX XXXX XXXX XXXX XXXX are the institutions that pulled my credit without my verbal or written consent.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I've sent several letters to Lexis Nexis and XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items XXXX  was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote XXXX a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from Lexis Nexis, I then wrote Lexis Nexus who said they obtained the information from XXXX. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX deleted the information with no problem because they under the courts does not report to them. Lexis Nexis is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my LexisNexis account since XX/XX/2020. SO HOW is it that XXXX said they verified this information with LexisNexis since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2020-06-25
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: Lending Club Corp (CA)

I am filing a complaint against the three credit reporting agencies, The Lending Club and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some dental work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The dental office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NJ)

Ally Bank, via a letter to my XXXX XXXX XXXX surreptitiously closed both my checking and savings accounts ... in the middle of paying my property taxes, in the middle of finally receiving my {$1200.00} stimulus payment, in the middle of paying bills, in the middle of receiving an unemployment payment, and in the middle of transferring money to bolster my checking account. All this " financial movement '' was simply cut off by Ally Bank for not conforming to Section 35 of their deposit agreement. Oddly, this comes at a time when XXXX made me fight for 45 days for a defective product refund via an XXXX purchase. In my mind, Ally Bank and XXXX colluded in an effort to punish me, for forcing XXXX to go into their pocket for a horrible & dishonest XXXX seller. XXXX as usual is " double dipping '' and easily culpable in this scenario too. Without doubt, this was a reckless act during Covid19 by all three parties. When you read Section 35 of the Ally Bank deposit agreement, nothing in the text pertains to ANY issue I've ever had & was used by Ally Bank as a false pretext to close my accounts. I mentioned to Ally customer service that I saw case law regarding this same issue & my account was promptly closed. I saved all emails from Ally Customer service.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/2020 I sent a money transfer in the amount of {$200.00} to my cousin in XXXX via Western Union bank transfer. After 30 days, the receiver still has not received the transfer in his bank account. He has spoken to his bank multiple times and also with the local Western Union office. Both offices confirmed that the money never arrived in XXXX and did not even leave the US. 

I have called Western Union multiple times and they keep lying to me saying that " the transfer completed successfully. '' I asked them for a bank-to-bank wire transfer confirmation and they refused to give me any such confirmation. They would not even tell me their bank 's name. 

After three weeks, Western Union sent me a letter saying " we confirm the cash was picked up. '' I called to remind them I didn't even do a cash pick-up transaction. I had done a direct bank account transfer, therefore their letter made no sense. 

Please follow up with Western Union as they are neither depositing my transfer into the receiver 's bank account or refunding my money. Thank you for your help.
Consumer complaint received 2020-06-24
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. (FL)

THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.