davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 2022-04-28
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: EQUIFAX, INC. (MD)

Equifax XXXX and XXXX have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have XXXX XXXX that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the XXXX INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. XXXX XXXX XXXX XXXX that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination.

XXXX. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts XXXX. Why a debt that is 7 years old is allowed to reappear I.E Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.
Consumer complaint received 2022-04-06
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-08
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)

XXXX XXXX XXXX is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and Experian and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo limits the number of credit card payments from a non Wells Fargo checking account to 3 or 4 payments per month. Whenever I need to pay again, the following messages is shown : You have reached the daily or monthly limit for the number of online payments to this account ( XXXX ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. 

I am not sure why this is happening and why Wells Fargo is implementing such process. Other banks have no limits for how many payments you can do from a different checking account. 

Other options is to go to a Wells Fargo branch and pay directly over there. This is super inconvenient.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

XXXX XXXX WAS MY LEASING AGENCY AT XXXX XXXX XXXX XXXX TEXAS XXXX. I FULFIELD MT LEASE TERMS AND PAID A MONTH IN ADVANCE TO XXXX XXXX  PER MY LEASE AND I HAVE AN EMAIL STATING THAT THEY ACCEPTED MY NOTICE TO VACATE IN THE EMAIL WITHOUT ANY PENALTIES. 

BEFORE I VACATED THE PROPERTY I INFORMED XXXX XXXX  THAT MY WATER BILL HAD BEEN EXTREMELY HIGH THE LAST MONTH I LOVED IN THE PROPERTY AND THEY STATED THEY WOULD SEND SOMEONE OUT TO LOOK INTO THE MATTER. XXXX XXXX INFORMED MY THAT THERE WAS A LEAK NEAR THE INSIDE WALL OF THE GARAGE WHERE THE WASHER CONNECTION WAS ATTACHED. THEY ACCUSED ME OF CAUSING THE PROPERTY DAMAGE ; HOWEVER I HAD IVED THERE A YEAR WITH NEVER HAVING A HIGH WATER BILL. I FOUND OUT FROM A CONTRACTOR THAT THE OUTSIDE FAUCET AT THE FROM OF THE HOUSE WAS THE REASON FOR THE DAMAGE AND IT HAD NOTHING TO DO WITH THE WATER CONNECTION. 

XXXX XXXX WANTED ME TO PAY FOR THE REPAIRS AND I HAVE EVIDENCE THAT BY A CONTRACTOR AND PICTURE THAT THERE WAS NO DAMAGE FROM MY WAHSER CONNECTION. 

XXXX XXXX HAS NOW TURNED THIS OVER TO A COLLECTION AGENCY BY THE NAME OF FEDILITY INFORMATION THAN IS NOW SENDING ME CERTIFIED LETTERS, CALLING MY EMPLOYER AND THREATENING ME TO RUIN MY CREDIT AND IT WOULD BE IMPOSSIBLE FOR ME TO EVER LEASE ANOTHER PROPERTY OR BUY A HOME IF I DO NOT PAY THESE REPAIRS THAT ARE NOT MY RESPONSIBILITY. I ALSO HAD A {$3000.00} DEPOSIT UP ON THIS LEASE PROPERTY THAT WAS NEVER REFUNDED.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. 

ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have contacted this company multiple times. As shown in my history with cfpb. The debt with this company was included in XXXX XXXX by XXXX and I was advised I was not responsible for the debt. Was discharged from XXXX XXXX XX/XX/XXXX and received discharge notice as well as letter from XXXX showing debt discharged and I'm not responsible. XXXX as of XX/XX/XXXX has went in and updated my report to show 5 months late XXXX XXXX XXXX XXXX XXXX all dates after my discharge date of XX/XX/XXXX. They have since updated my account credit report which once indicated discharged in bankruptcy to a charge off and dropped my score XXXX points. No reaffirmation agreement was signed.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY ()

I made purchases totaling around XXXX dollars from XXXX to XXXX and paid all balances. However, Amex thinks there is risk with me and conducts a financial review. I submitted all my documents but they do not recognize incomes from XXXX, which is my only income source as this year I have been staying in XXXX to work. So I did not pass the financial review and they cancelled all my cards. This means all points I earned during this time period has gone. 

I have committed to this financial review process and showed them all my income source with regular direct deposit, as well as my XXXXXXXX XXXX with more than XXXX dollars inside my checking accounts. So Amex should be responsible for and compensate all my loss.
Consumer complaint received 2023-02-23
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)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
Based on my most current consumer report Experian is reporting utilization on my credit report from ALL MY OPEN CREDIT CARD ACCOUNTS ( 22 total including authorized user accounts ). According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Which means the consumer being me and the person making the report which are all the credit card companies I have personal business accounts wit. Utilization is an experience created by credit usage. Experian has reported the utilization of every credit card account on my credit profile which is an experience created by my credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. Please furnish the agreement that states I gave permission to have your reporting agency to publish my personal experiences and transaction history. I never gave Experian written instructions to report anything to my consumer report, regarding late payments or utilization to be furnished to my credit report. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By Experian reporting the Utilization my privacy and personal transaction history with each credit card company I have private business with has been violated due to Experian violating my consumer rights by allowing the credit card utilization to report to my consumer report! I expect this matter to be handled in a timely fashion.
Consumer complaint received 2022-04-28
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)

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX, XX/XX/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 2022-07-09
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. (NY)

I have been submitting requests for XXXX months with now with no response at all form Experian about an erroneously reported XXXX account that shows as a satisfied collection. It's not reported corrrectly. Experian has activity on a collection account. XXXX reports current payments and XXXX continues to illegally update the DAte of last active and re-age this account.
Consumer complaint received 2022-12-08
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. (IL)

Hello back in 2019 I submitted identity theft report in 2019, I had my identity and info compromised not once but twice but twice when the Equifax breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout covidXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am one of the backbones of this country XXXX XXXX XXXX and I have gotten no respect, from anyone, this has brought me to XXXX XXXX XXXX I have documented proof of my depleting, mental health!!! filed two police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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/updated. 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. 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!
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report XXXX, XXXX XXXX and Experian credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Consumer complaint received 2022-10-24
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. (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 7 months to no available. I have been disputing this/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 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC. (ID)

I sent Citizen bank a proper legal notice of contract rescission with the appropriate form and identifying information. They replied with a loan satisfaction letter, implying that congress had put in the US code something about satisfied loans not being eligible when quite the contrary. Congress specifically says ALL consumer credit transactions made before or after XXXX of 1995 are applied to this subject matter. Citizen bank will be in violation of said code on the XXXX of this month for that marks their 20 day limit after receiving notice. I am going to continue sending them letters until they send me my check that congress says they have no choice, but I just wanted a notice on public file as well.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I was a victim of a scam involving funds taken out of my bank account via a wire transfer.This occurred on XXXX. A third party contacted me about previous charge on my XXXX then told me that the IRS was asking this company to refund consumers. That being said the third party wire transferred what I thought was just the amount of the charge {$570.00}. It was for {$57000.00}. I checked my online bank account and the funds were there-third person instructed me to go to my bank and ask for the funds to be reversed back to them. I was told to tell the bank rep to reverse wire the funds citing " Clerical Error ''. The bank rep complied-never asking any questions. The third party, again wired me {$54000.00} to which I was then instructed to go to another branch of my bank and have the funds reverse wired back. Again back to another branch to have funds reversed, bank teller complied. This person, he called himself XXXX, has now been calling me incessantly that I have now had to contact the local police department and others. My bank account has now been hacked for approximately {$100000.00}. I have now closed all my bank accounts.