davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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)

Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX  XXXX Balance - ; XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX FL XXXX Balance - ; XXXX XXXX Balance {$2100.00} ;
Consumer complaint received 2022-10-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I have an email from Wells Fargo from XX/XX/2022 stating a {$300.00} checking bonus would be given to me as long as I met all the terms and conditions ( which I have ). 
I opened the account inside a branch with a woman and made sure she entered the code. I waited until near the end of XXXX to call and ask on an anticipated arrival date to the checking account and was told by a representative near the end of XXXX it is now near the end of XXXX and I have called once again to confirm the arrival date of the bonus and 3 representatives are unable to locate it I requested the times and dates I spoke to the representative in XXXX since their calls are recorded and the name of the employee I spoke to at the branch when I initially opened the account and they refused to give me any of that information. I am now on the phone with another representative trying to make a formal complaint with the company to see if theres anything they can do this is unacceptable and they are legally supposed to honor their contract they made with me. I still have the original email and all. 
The complaint id number from wells Fargo is XXXX I spoke to XXXX.
Consumer complaint received 2022-09-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX, Account # XXXX XXXX & XXXX, Account # XXXX XXXX & XXXX XXXX, Account # 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 a account without my written instructions
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account 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 unverifiable account below XXXX XXXX
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not give XXXX XXXX XXXX any consent, any permissible purpose, nor did I give them any permission to share my information with a 3rdparty company such CRA 's. I have a right to privacy pursuant 15 USC 1681, 1692, and 6801. My private information such as my personal loan and banking information should remain private and not shared with a non affiliated 3rd party company that has no affiliation with Guardian Credit Union. This company shared and reported my private information without my consent which by law falls is aggerated ID theft. I did not get consent or permission for this company to share my non public personal information nor furnish anything on my consumer report. This company has an obligation to protect the consumers privacy and non public personal information. 15 USC 6802 states this company is not obligated to disclose any non public information to a 3rd party non affiliated company unless they provide the consumer with a notice that complies with sec 6803.
Consumer complaint received 2023-04-09
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-09
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems , Inc. has added to my credit report a collections for two amounts, One being for {$1200.00} and the other for {$1400.00}. I never received anything info which would allow me to right to dispute this claim. This is violations of FDCPA. And also violations of HIPPA since this is a claimed medical debt that I have no knowledge about.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-21
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. (MT)

I settled my debt with XXXX XXXX XXXX for XXXX XXXX XXXX. I paid XXXX and this account is settled. I disputed this with Experian but they have not removed it. Please see attached documentation that was emailed to me from XXXX XXXX XXXX.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CO)

Below is a verbatim copy of my correspondence sent to Discover card. 

XX/XX/year> Re : dispute case # XXXX Dear Discover Card Customer Service, I am in receipt of Discovers letter dated XX/XX/year>. Please accept this letter as a summary of correspondence between me and the merchant, The XXXX XXXX. On XX/XX/year>, I cancelled a reservation in writing via email, in compliance with the merchants policy posted on their website. Please note that the cancellation made on XX/XX/year>, XXXX well within the cancellation window, given that the reservation was for the night of XX/XX/year>. 
On XX/XX/year>, I noticed that the merchant charged my Discover card in the amount of {$160.00}. On XX/XX/year>, I spoke with XXXX XXXX, an employee of the XXXX XXXX and pointed out that I had previously cancelled the hotel reservation on XX/XX/year>. XXXX XXXX then stated that my cancellation email was overlooked and that the charge would be reversed. Upon receipt of documentation of this conversation from XXXX XXXX, I opened a dispute with Discovers resolution team, and I uploaded this documentation to the secure portal. On XX/XX/year>, I again spoke with XXXX XXXX and notified them that the charge had still not been reversed to which XXXX replied that according to their records, they processed a refund transaction and we do not have any of your money. 
This morning, I called Discover card services and relayed this summary to a dispute specialist who then kindly agreed to officially reopen this dispute to allow more time for additional documentation to be uploaded. I appreciate Discovers cooperation in this matter as well as Discovers endorsement of the Fair Credit Billing Act. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this 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 XXXXXXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, Dept of Ed/ XXXX : # XXXX XXXX XXXX : # XXXX these accounts have violated my rights. 

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

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family as an FHA program buyer but XXXX isnt doing its job according to the law.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXX XXXXXXXX Experian My complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the seven ( 7 ) year clock to stay on my credit report would restart.
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (MI)

I have filed a complaint about this company previously, and no resolution was actually provided. However, now new information has come to light that the company that I bought the Solar panels from, for which I took the loan out, has gone under and closed its doors and is being investigated for fraud - as I expected they would. It is also my ( limited ) understanding that all of the lenders are being investigated for their involvement in the scheme. I want this loan wiped out and all payments made thus far refunded.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit System, for committing identity theft. I have never given National Credit System, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with National Credit System and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving National Credit System any right to collect on this alleged debt. 
I have never received any documentation requesting validation from National Credit System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If National Credit System, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit System, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit System, continues its collection efforts, I will file for litigation for actual damages caused and National Credit System, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.