davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; 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
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc. (VA)

XX/XX/XXXX, I said in my dispute : I did receive medical care but I had Medicaid because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by Medicaid as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in XXXX. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is in collections, the only collection I have. Collection Agency : HEALTHCARE RECEIVABLES GROUP. Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}. 

Company responded on XX/XX/XXXX : Company 's Response Thanks for sharing this information. We are closing your account and returning it to our client so it can be properly handled there. We are also deleting the account from the credit reporting agencies. 

I have been fighting to have this removed for over a year now. At this point, the debt should have been removed per the companys information theyre providing me but I have disputed this debt with XXXX multiple times & they keep coming back saying the debt has been verified by the collection agency as accurate! The debt is from XXXX & has surpassed the statute of limitations for Virginia at this point. I want it removed from my XXXX credit report.
Consumer complaint received 2023-02-16
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. (TX)

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
Consumer complaint received 2024-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (CA)

I just got off the phone with Wells Fargo executive team they provided me no information in regards to my concern. Again they stated it was an internal mistake and it was proprietary on how they came up with the calculation. I have an appointment set up with mediation at the beginning of XXXX and I have no information on what's provided the third party mediator on how I feel I was not compensated properly. The lack of transparency with Wells Fargo is very Frustrating and Stressful. I will be going into this mediation blindly with no information and I have to be okay with their decision I would like to have this information I believe I am entitled to have this information if it is my account I would like to know How this is going to affect me over a span of XXXXXXXX years of monthly payments
Consumer complaint received 2024-12-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application # XXXX. At this time, my application was not return to me. So, I have gave Wells Fargo XXXX XXXX aka my application. I want my Application/securities RE TRACKED from wells fargo because all application approved or denial can be sold, transfer or assigned & I'm don't want my wells fargo to profit from my security since I never received anything from them. And, I'm requesting the 1099b tax form to completed and forward to me, since i did Barter transaction with wells fargo according to IRS.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN : XXXX DOB : XX/XX/XXXX RE : Inaccurate Information NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have recently been informed that there is negative information reported by Pennsylvania Eastern Bankruptcy Court in the le you maintain under my Social Security number. Upon ordering a copy of my Lexis Nexis consumeXXXX report, I see an entry from this court listing with Reference # XXXX led on XX/XX/XXXX The entry with Reference # XXXX led on XX/XX/XXXX with this court appears to be inaccurate. 


I AM FORMALLY REQUESTING AND EXERCISING MY RIGHT TO PRIVACY OF MY INFORMATION. 

XXXX. Congressional ndings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following ndings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request verication and validation of this information with the Pennsylvania Eastern Bankruptcy Court and provide me with copies of any documentation associated with this account granting you authorization to obtain and furthermore report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately DELETED from the Lexis Nexis consumer report and consumer le that you maintain under my Social Security Number.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I PROVIDED NO SUCH WRITTEN INSTRUCTION TO LEXIS NEXIS TO OBTAIN OR FURNISH THIS REFERENCED ACCOUNT WITH THE PENNSYLVANIA EASTERN BANKRUPTCY COURT. I REQUEST A DELETION OF THIS ABOVE-MENTIONED ACCOUNT IMMEDIATELY FROM MY CONSUMER REPORT. 

XXXX XXXX
Consumer complaint received 2023-03-15
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. (CA)

on XX/XX/XXXX. I disupted multiple inaccuracies with XXXX, XXXX, and Transunion. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX, transunion, XXXX you believe that information in your personal credit report is inaccurate or incomplete, please call or visit our site to dispute for free. This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 4. XXXX XXXX XXXX XXXX remove all XXXX late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX/ XXXX XXXX XXXX 30 day late payment.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Hello, I cant provide the exact dates because it happened a couple of years ago, I had a XXXX XXXX account, probably around XXXX or XXXX. This account was paid by XXXX XXXX when the Switch to us program was available. I visited a XXXX company back in the days and offered me the promotion of paying the account to switch to them. It is not the first time that XXXX provide the wrong information to me causing me to own money. Before I had to solve owning a phone after it was informed to me that removing that line wouldnt affect me, that situation was fix successfully but now Im dealing with this unpaid account that I wasnt aware of and trusted that it was paid off by XXXXThe information that was provided to me was that this balance was paid off. If a employee made a mistake or misinformed me, I should not be having this reported. Since I am disputing this debt, CONVERGENT OUTSOURCING should not report it to the credit reporting agencies. 
Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting act. Total amount supposedly own {$2400.00}
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX - XX/XX/2021
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I am contacting you to dispute several unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not authorized by me, and they are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure only authorized and accurate information is reflected on my credit report. Below is a list of unauthorized inquiries I am requesting be removed from my Experian credit report : XXXX. EXPERIAN XXXX CXXXX XXXX Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX - Dated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  - Dated : XX/XX/XXXX
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, I have an Auto Loan with Truist which was originally Suntrust. 

On XX/XX/2022 a Wire Transfer in the amount of {$110000.00} in connection with me selling the vehicle was successfully Wired to Truist, they have validated that the {$110000.00} wire transfer is sitting on their General Ledger in their Wiring Department. However as of XX/XX/2022, they are still holding the money and refuse to apply to my loan to pay off my loan balance and Truist is so incompetent that I can't even get someone to call me back. I have raised an Executive CEO Complaint to Truist, and they still haven't responded to that. 

Please help me resolve this, I have spend hours upon hours on the phone with Truist trying to resolve this to no avail. I am losing sleep, I have severe anxiety from it and am needing to resolve this and get the loan paid off ... .. they have {$110000.00} confirmed and cleared that they are illegally holding on to.
Consumer complaint received 2022-09-30
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-30
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. (OR)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-11-28
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Prior complaint close without satisfaction : XXXX Received updated credit bureau score which dropped vs prior months due to new card. 
Per prior note, this card was sent w/out option of declining : Made a payment online, splash-page came up with new card offer. there was no option to decline offer. In addition, bank comments stated offer was not preapproved - I do not send ant demographic or financial information to the bank. I believe BoA is misrepresenting the term " preapproval. 

Prior BoA comments on 1st complaint state i did not wish to receive additional call bask. True. I wan the inquiry and card removed from my bureaus. 

To date I have not activated the card Pleas address
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX. account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX XXXX account # 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 2022-09-28
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX  XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In regards to a beneficiary of an XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX. All of my entitled funding sources, benefits as well as my identity have been stolen and used by unknown individuals since an unknown amount of time. Leaving me and other entitled beneficiaries in severe hardships and in need of an immediate investigation and assistance establishing a stable lifestyle entitled to per trust documents court order. 
I have made reports, filed complaints, etc. with no response or assistance from anyone. 
Please contact me at XXXX for more details or answers to any questions you may have,
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: EQUIFAX, INC. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2024-11-21
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. (AL)

I, XXXX  XXXX, have identified several violations of the Fair Credit Reporting Act ( FCRA ) related to how my credit information has been handled. Despite my rights as a consumer, there have been multiple instances of noncompliance and inaccuracies in my credit report that require immediate attention. 

Firstly, credit information about me was accepted without proper verification, violating FCRA Section 616. Additionally, I was not informed of my right to opt out of sharing personal information, which breaches FCRA Section 603 ( d ) ( 2 ) ( A ). Inaccurate inquiries and accounts were reported without proper validation, a violation of Section 623 ( a ) ( 3 ). These actions demonstrate willful noncompliance and deception. 

Ive also experienced unfair practices, including the reporting of inaccurate debts and accounts, unauthorized sharing of my information, and harassment. There were incorrect reports of late payments, ambiguous definitions of finance charges, and unauthorized hard inquiries on my credit reportall violations of my rights under the FCRA and related laws. Even personal information on my report is incorrect and needs to be removed. 

To resolve these issues, Ive requested specific corrections and deletions. These include updating certain accounts to reflect accurate payment histories, removing unauthorized hard inquiries, and deleting inaccurate personal information. If these issues are not resolved promptly, I am prepared to pursue legal action under the FCRA to ensure my rights are upheld.