davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (FL)

Since XX/XX/2022 I have sent Experian 4 letters regarding incorrect personal information and identified FCRA Violations and Non METRO2 Compliance. After reviewing my credit report almost 3 months later I became aware that no changes have been made and there have not received any investigation results. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to { {$1000.00} } per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.
Consumer complaint received 2022-06-21
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)

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 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 I was buying a car and the dealership kept running my credit after I told them run it once.
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

This is for Experian no XXXX : For the month of XXXX I paid my XXXX loan with a loan that I took from a financial company. The company XXXX told me that before 30 days they would report the account, so they sent me a letter as proof in case Experian or others did not update the credit in 30 days after 60 days I checked my credit and I could see that the new loan and XXXX XXXX as unpaid affecting my credit I put a dispute and contacted the XXXX loan company paid they told me that after 20 days the account was reported to all the agencies were Experian 's negligence the dispute ended yesterday they marked the account as closed and not as payoff in order my credit was down XXXX of my credit now affecting my financial options call Experian for an explanation but they say they don't know why and They are not trained for that. My question is why do I have to be affected by paying my debt on time or paid off? It doesn't make sense to see my credit drop due to paid off my account and then see it fall for disputing for experian error
Consumer complaint received 2022-06-21
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)

XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX ) XXXX, XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602a. States I have a right to privacy.

15 U.S.C 1681 section 604a section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPTEDXXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPTEDXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NV)

First they canceled my card for NO REASON. Then they reinstated my card after I told them I wanted them to CLOSE my card and I transferred the balance to another bank. I received a letter in the mail telling me they received my request to CLOSE my account. On XX/XX/XXXX I called to find out why my card was not closed. I was told it takes a billing cycle. Today is XX/XX/XXXX and I had to call again because my account is not CLOSED. EVERY SINGLE time I have to sit on hold 1/2 hour to get to someone who tells me they can't do anything. This time he said it should be closed. But he can't tell me why it isn't, or what will be done to close it or WHEN? I want my credit card CLOSED. This is ILLEGAL TO REFUSE TO CLOSE MY CARD. I HAVE A ZERO BALANCE. I DON'T WANT TO DO BUSINESS WITH THIS XXXX  COMPANY.
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-20
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. (CA)

I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (GA)

CAPIO PARTNERS is reporting acct # XXXX on my XXXX, XXXX, and XXXX credit reports. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to original creditor listed called XXXX XXXX XXXX, XXXX, to release my private, confidential medical file to a third, UNKNOWN party. Any reporting of this debt to the credit bureaus without my signed permission to share may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I request immediate DELETION of the erroneous collection account from my XXXX, XXXX, and XXXX credi reports.
Consumer complaint received 2022-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe USAA Savings Bank {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX XXXX
Consumer complaint received 2022-04-18
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. (VA)

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 2022-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I keep getting calls from a XXXX at XXXX for a debt but they never state what it is. I went to their website ant it has me input my phone number to check on the debt that it is. I placed my number in and it states i owe money to Bank of America. I have not had an account with them since XXXX. That account was paid off more than 10 years ago. I called the number listed on the website XXXX and i am not able to speak to an actual person. It simply asks me to pay with the automated pay system or to chat online with someone on their website. I believe they are trying to take money fraudulently. I have been getting calls from them for quite some time now in XXXX.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 written instructions
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. This is my THIRD time disputing fraudulent items on my report that does not belong to me. Here are the accounts : -CAPITAL ONE # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-06-20
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. (MI)

In accordance with the fair credit reporting act, XXXX  account numbers have violated my rights : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 2, also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I received a voicemail from a Delaware telephone number on XX/XX/XXXX at XXXXXXXX XXXX  stating that I needed to call back in regards to a case filed against me I called today XX/XX/XXXX as I was dealing with death in my family. They told me that it was for a Wells Fargo account from 2015 I did not have a Wells Fargo account in 2015 I have however had an account Wells Fargo but I was free and clear of any type of debt I did not have a credit card or any type of line of credit with Wells Fargo when I had my account there and they're calling me telling me that now over 7 years later they're coming after me for {$900.00} which came up with an address that I've never lived at not even in 2015 or in XXXX that I live at the address that they gave me now granted they do have my correct social security number but they're saying anything that is attached to my social security number if I do not pay that whatever relationship I have with my current bank will be taken from me and I will not be able to get any type of account at any Bank for the next 7 to 10 years.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I tried to create an account and use the Experian website to unfreeze my credit reporting. When I got to the point of agreeing to terms and conditions, the website freezes and does not respond ( for hours ). So I tried to call the XXXX number listed on their website. It gets to the point of asking for the PIN, but when you start to enter the number, it acts like it has validated it about half way through the digits. Then it leads you through setting up a temporary freeze, which seems to work, but does not actually work. The company trying to check my credit says it is still frozen. There is no option to speak with a human. They offer to give you instructions to communicate with them via MAIL! This is a total fail. It is not 1972 - financial transactions are not carried out by postal service. So now my credit application is stuck with no recourse.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

To Whom This May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May Concern : Hope your day is well. Please remove my consumer statement or personal statement off my Equifax credit report. I believe you have q police report on my consumer statement, and I need that to be removed off my statement ASAP. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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: Sequium Asset Solutions, LLC (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-20
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. (OH)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-06-20
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report since I have been receiving several calls from lenders saying that someone is trying to open bank accounts in my name. And I notice that there are some inaccuracies on my personal credit reports. And I recently read that the Fair Credit Reporting Act gives me the right ( by law ) to challenge anything that is not 100 % accurate on my personal credit report. 

Now I am asking for a FULL INVESTIGATION and PROOF from the account holder XXXX XXXX to show how I was late for the months of XXXX, XXXX, XXXX, and XXXX of 2019 when I had applied for refinancing but kept making payments. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof then these XXXX XXXX ( XXXX ) accounts must be deleted. So, I am requesting them to be deleted because they are NOT 100 % accurate. So, could you please investigate and get back to me? I know from reading an FCRA lawyers site that you have XXXX days to complete this investigation. 

Again, investigate these accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$15000.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Origin Loan Amount : {$9500.00} *Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Can I get an updated report after your investigation? You can use the above address ( same as my ID ) Thank you for your time and help XXXX XXXX