davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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)

XXXX XXXX XXXX  acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX is unlawfully attempting to force me to pay for a tire that I dont have. I have contacted XXXX XXXX and XXXX to resolve this matter. I returned a wheel to XXXX XXXX back in XXXX because its was for a big truck and not my XXXX  and therefore could not be put on my XXXX. XXXX XXXX lied and said the tire was mounted. I explained to them that it did not fit and it was not mounted. XXXX XXXX refused to send a new tire and refused to remove the charges. All they sent was a picture of a damaged tire, this is not the tire I had, my tire was NOT used at all!!! Ive asked XXXX to investigate and all I get is the runaround. They are taking XXXX side and really trying to steal from me and damage my credit. I am being bullied by these companies. They are casually ignoring my requests and are taking advantage of me, the consumer. Now, this unowed amount is on my credit report!!!! I do not have the tire and did not damage it. The tire I received was not used and was sent from me in perfect condition. I do not owe this debt at all. Experian needs to remove the negative reporting immediately!!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-01-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-16
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: GOLDMAN SACHS BANK USA ()

My credit score is being damaged for unknown reasons, I am the creditor not the debtor I know that my autograph is the credit not the SSN that is my public office and I am the beneficiary to that SSN
Consumer complaint received 2020-04-26
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 (PA)

This is a complaint against Capital one has left much unauthorized hard inquiry on my XXXX  credit report without my authorization after reviewed my XXXX  report a few days ago i found there is suspicious activity on the report si i called and report fraud alert and report identity theft CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX CAP ONE NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NY)

received multiple calls from this debt collection company of an alleged debt. I don't have any business with this collection nor have not received any notices in the mail of alleged debit. 

please further investigate this company and have it delete it from my credit report. 

thank you
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/22 I received a declination notice in the mail from Bank of America. I called them and reported that I had not applied for anything from Bank of America. They said to contact XXXX of the XXXX XXXX I contacted XXXX. They put a fraud alert on my report and I ordered a credit report. When I received the credit report I again called XXXX. they said to report the fraud to local law enforcement or FTC. I am reporting to FTC. They also told me to call Bank of America again. I did and Bank of America told me it was a cash credit line of {$2800.00}. They of course closed the account with the reason why. I spoke with XXXX in the fraud dept and he is sending some info to me. Again, I did not apply for anything with Bank of America and have never held any type of account with them. Also the letter Bank of America sent had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX address up in the corner. I have never had any dealings with them as well.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (GA)

on XX/XX/2019 i signed a contract with Lowe 's Home Improvement store in XXXX, GA to install a new roof. I was given the option of using 0 % APR for 24 months which is what i opted for as opposed to charging it to a different card and getting points. I pay off my credit card balances in full every month unless i have 0 % and sometimes even then. My wife told me that a couple of days ago that our Lowe 's balance had increased on her credit report even though we have not charged anything since the roof to keep things simple. I looked up our account and saw interest charge of about {$790.00} which shocked me. I called Lowe 's credit card company which is Synchrony bank last Saturday and i was told that the promotional rate was entered for only 6 months and that I had to get the store to call in and change it to 24 months. I called the store same day and spoke to the store manager who told me i had to call back Monday and speak to XXXX. The sales person we dealt with has left the company. I called yesterday and spoke to XXXX who told me he would get our files and call me back by same day or this morning. Never called back. My wife keep excellent record of everything we buy in separate folders and there was not any finance paperwork in the folder. We need your help to clear this up and get the 24 months as promised to us by Lowe 's. 
contact person at Lowes is XXXX and his cell number is XXXX
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

I received a letter dated XXXX XXXX ( as attached ) from Wellsfargo saying I own money to XXXX 's XXXX ending XXXX. In fact, I paid off all balances on site ( right after each purchasing by using the card. I have not used this card for years, and I have never received any card statements either via mailing or electronically for years. in the afternoon of XXXX XXXX, I visited Wellsfargo XXXX and at the branch I called the number listed in the letter - XXXX - XXXX and asked for all details but with no answers. Then I was told by a banker that 1 ) the card was closed/expired and 2 ) I paid the card {$10000.00} on XX/XX/2022. I could not find any records paying this amount, and I am attaching my XX/XX/2022 bank account statement, this account is the only payment method I can think of. And the banker asked me report this financial fraud.
Consumer complaint received 2023-01-09
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. (NJ)

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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX  Account Number XXXX XXXX 3.Validate Account XXXX Account Number:XXXX XXXX  Account XXXX Validate Account XXXX Account NumberXXXX XXXX. Validate Account XXXX XXXX Account Number:XXXX  Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account NumberXXXX Validate 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
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. (OH)

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts is being reported inaccurately.
Consumer complaint received 2024-10-31
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. (SC)

In according whit the fair credit reporting act. XXXX XXXX XXXX XXXX XXXX Has violated my right 

15 U.S.C. 1681 SECTION 602 A. State have the Right to
privacy..

15 U.S.C 1681 SECTION 604 A SECTION 2 IT also States a
c
Consumer Reporting  Agency cannot funish a account
without my writing instructions.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Credit Corporation (WA)

XX/XX/2023 - Merchants Credit Association - XXXX XXXX called me at work, when I informed her that she reached me at work and needed to call my cell phone at XXXX. She became defensive and angry. I said thank you and hung up I called and left several messages over the weekend as I had tried to begin making payments on their website the amount of my statement XXXX on the paper statement I found was for XXXX some odd dollars. 
I explained in my voicemail I was not to be contacted at work and could be reached between XXXXXXXX XXXX XX/XX/2023 - I received a call from XXXX XXXX and was unable to answer but called back within XXXX minutes. When connected I explained that I had tried to pay online but my packet number wouldn't work. XXXX XXXX looked up my account, stated it was a debt collection and that I owed XXXX some odd dollars immediately becoming combative. and aske what he could help with. I stated that what he could help with is not having his collegue XXXX XXXX call and be so innapropriate and to give to please give me the packet number. He stated that the bills were from XXXX accounts from XXXX hospital and asked if XXXX and XXXX were my children, I asked for the dates of visits or to be sent a detailed statement. He asked again for my children 's names and said I wouldn't answer his question so he wouldn't answer mine. I told him I didn't have to and again asked for the dates and/or packet number. He finally gave me the packet number I explained to him that is the same one I had which didn't work. He told me it is because it's been referred to the legal department and that was the hold up. I asked that he unlock it so that I could make payments and not have to deal with anyone on the phone at his company. He said the decision had been made. After a few more words I mistakenly said I would report him to the XXXX meaning the XXXX. He stated " oh the XXXX, I just want to make sure I'm hearing you correctly ''. On the recording you can tell I start out nicely. This is the XXXX humiliating and horrifying incident with this company. 

I would like to pay my bill, I am escaping a very bad relationship the bills are from my daughter being treated for XXXX from it I believe. In the drama and shuffle of her intensive XXXX XXXX etc. bills slipped by the wayside. I'm slightly crushed and at a loss of what to do.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-01-09
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. (GA)

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, Equifax, and XXXX are in direct violation of the Fair Credit Reporting Act, The XXXX XXXX XXXX XXXX and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-01-09
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. ) XXXX XXXX XXXX I # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX have ALL violated my rights! 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NM)

My student loan servicer is Aidvantage. I was transferred to them this past calendar year after XXXX shut down. I recently received a notice in the mail on XX/XX/XXXX, XXXX that I was past due on my loan payments, even though the Department of Education XXXX to payment moratorium through XXXX of XXXX. Aidvantage is saying that I missed a payment on XX/XX/XXXX and now also owe a payment due on XX/XX/XXXX. When I reached out on XX/XX/XXXX, to inquire why this was, their response to me on XX/XX/XXXX was generic and not at all a possible solution or reason for the issue. I would like to know why Aidvantage is telling it's clients that they owe on loans if the federal government has paused all payments until the litigation through the Supreme Court is resolved. I have worked hard over many years to build my XXXX XXXX to an " excellent '' rating and these erroneous " missed payments '' notices from Aidvantage could ruin that. I am worried that many other people have received similar notices from Aidvantage and I would like the company to resolve this issue immediately.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo keeps screwing up my account- I am being charged outrageous fees. In the last few months their ATM screwed up my deposit and Wells Fargo STILL has way too many accounts opened in my name. We attempted to make deposits ... and the ATMs around here always seem to malfunction. 

We have attempted to work this out before, but Wells Fargo keeps trying to mess with us. I'm fed up with the bankers at the branch and just want them to stop predatory behavior when it comes to the people they purport to serve.