davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (NC)

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 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 15 U.S.C 1681 section 602A- States I have the right to privacy 15 USC 1681 section 604A section 2 - States a consumer reporting agency can not furnish an account without my written instruction. 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 HAVE SENT CERTIFIED MAIL 3 TIMES TO ALL 3 ( XXXX, XXXX, EXPERIAN ) NONE OF WHICH WERE RESPONDED TOO ON ANY OF THESE ACCOUNTS. ALSO ONE TIME I DID RECIEVE SOMETHING FROM XXXX SAYING THAT THE INFORMATION IS VALID. 

FIRST OF ALL THIS SHOULD OF BEEN TAKEN OFF MY CREDIT REPORT AFTER THE FIRST FAILED ATTEMPT TO RESPOND WITHIN 30 DAYS. 

SECOND I CHALLENGE THE VALIDITY ON ALL OF THESE ACCOUNTS, PROVE TO ME THE VALIDITY OR TAKE THIS OFF MY CREDIT ONCE AND FOR ALL OR I WILL BE CONTACTING A LAWYER AND TAKING ALL XXXX TO SMALL CLAIMS COURT, THIS IS INSANE AND NOT THE WAY YOU ALL CONDUCT BUSINESS. 


I DEMAND ALL OF THESE ACCOUNTS TAKEN OFF MY CREDIT, THIS IS MY LAST AND FINAL ATTEMPT BEFORE I PURSUE LEGAL ACTION!
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

This complaint is against Wells Fargo. Our mother passed away on XX/XX/XXXX. Payments were made until hurricane Katria in XX/XX/XXXX. The  loan is currently in foreclosure and is being handled by XXXX XXXX.  The Lis Pendens was filed on XX/XX/XXXX and my siblings and I were served on XX/XX/XXXX. On XX/XX/XXXX I contacted the law firm and requested reinstatement figures good thru XX/XX/XXXX. On XX/XX/XXXX i received a reply from the law firm stating they would escalate the matter and contact Wells Fargo. On XX/XX/XXXX I received another email from atty office, stating figures come from Wells Fargo. I immediately made contact with Wells Fargo and was told they did not have permission to speak with me or any of my siblings. I explained to the rep that my name as well as my siblings are listed as an interested party in the Lis Pendens, which she stated she did not see and asked that I fax the document to her. She state there was a list of questions that she needed to ask me ; I completed the questions via phone. I faxed her a copy of the Lis Pendens on XX/XX/XXXX. I called on XX/XX/XXXX to f/u on the status of the reinstatement figures, was told to allow more time. Rcvd letter from Wells Fargo dated XX/XX/XXXXagain stating to allow more time. As of today no figures, atty fees are accruing when we would have liked to reinstate the loan by XX/XX/XXXX. While i understand Wells Fargo has their protocol to follow before releasing info, they accepted payments knowing our mother was deceased and now that we want to reinstate they are not releasing information. The unnecessary additional attorney fees and cost should not be on us as we have made every attempt to obtain reinstatement figures. Please help us obtain reinstatement figures to save our mother 's home. We have a sister that has moved from XXXX as of XX/XX/XXXX and is currently living in the property. Our desire is to keep the property.
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (TX)

At XXXX on XX/XX/XXXX my father sent me a message to call XXXX X XXXX and ask for XXXX. When I called the gentlemen, he gave me the name of the company Credit Corp Solutions but couldn't tell me who the debt was for. He transferred me to XXXX and the moment i mentioned them calling my dad which is XXXX she didn't know what to say. No where in my file did, I ever add my dad 's cell phone number, we don't even live in the same house. She mentioned that they deleted it but for the fact they searched for a number of someone else is not right and especially his cell.
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard (CA)

I was sued by a company name complain was from XXXX companies- then name change to XXXX XXXX, a few years back, I did not know anything about it, until they garnished the money I had in my saving and checking account ( XX/XX/XXXX ) it seems my debt was from a few years back approximately XX/XX/XXXX-XX/XX/XXXX, since my money was taken from the bank account, I had being in communication with Nelson & Kennard at attorney at Law, I had being making payments, after a few years making monthly payments ( {$25.00} ) the amount it seems to keep going up instead going down, also they informed me the money that was taken out it was only use for the court, so I have to pay my debt, which I do not know what is for, even do I had try to speak with some one at nelson & Kennard and requested an statement about all payments to the account, original amount and why is not going down instead is going up, I get the run around, My English is not perfect, so is hard to communicate with them, until today no one has being able to help me, until I had to reach out a tv station in my area, and they gave me your information, I asked my daughter to place my complain on line, I am attaching all the information I have through the years of payment and only letter received from this company, if you have any question you can contact XXXX XXXX ( XXXX ) XXXX ( If is possible I would like a Spanish peaking representative
Consumer complaint received 2023-04-17
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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)

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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-13
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. (NJ)

I sent a dispute to the credit bureau asking them to investigate several items. They did not do this investigation. The first was XXXX XXXX ending in XXXX. This account was not late in XXXX of 2023. 

The second was XXXX. This account was settled in full and the creditor agreed to remove it from my bureau. This account number ends in XXXX The third was XXXX XXXX This was also settled in full and was supposed to be removed.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (TN)

I opened a BB & T checking account on XX/XX/XXXX. I signed up with promo code XXXX which promised a {$100.00} bonus if two outbound transactions were made with XXXX within 60 days of account opening. I made two XXXX transfers on XX/XX/XXXX. The bonus was supposed to be deposited in my account within 60 days of the promo expiration date of XX/XX/XXXX. It has passed the 60 day marker and I do not see a deposit. I called customer service and asked when I would get the promotion. They ensured me that the promotional code was applied to my account and that the money would be in my account. It is still not in my account.
Consumer complaint received 2023-04-13
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. (TX)

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 XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 
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 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 2023-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was a victim of identity theft back in XXXX. In the process of becoming a victim of XXXX XXXX I had to get a protection order and move within 48 hrs to a private XXXX XXXXXXXX shelter for XXXX XXXX  with my XXXX out of state in XXXX Georgia. In that process my identity was stolen with a lot of my belongings. 

I did not realize this until later. I believe I had a police report from one state when I reach out for it that police station was not able to pull everything but they were able to help me with record numbers, I then needed a detective to get those records. 

On/around XX/XX/XXXX I was served Court documents to show up at court. I called to confirm that I would be there with my attorney and my documents and the date was for XX/XX/XXXX Once I was here in Georgia my identity was stolen as well & I have police records for that. I went to court on XX/XX/XXXX for my Civil Case with Portfolio Recovery Associates , LLC with the XXXX XXXX XXXX XXXX XXXX State of Georgia to plea my case and it was dismissed. 
Now on XX/XX/XXXX they have again re-opened this case under Portfolio Recovery Associates LLC on my credit report in that same amount of : {$1600.00} which is the judgement amount I was dismissed for without prejudice and I have a copy of this judgment from the court.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

My wife and I have a saving and checking account at San Diego County Credit Union at XXXX, California. On XXXX XXXX  we made a {$50.00} deposit and got a receipt, it showed a balance of {$56.00} in the checking and {$11.00} in the savings before the deposit. 
I told the teller that was impossible because we haven't made any withdrawals in month. The teller went to the computer and told us have been paying for a Accidental Death And Dismemberment Insurance Policy. I said we did not have a policy and how can they just take money out out of our accounts with out our permission. My records show that that XXXX sent us a mailing stating that because we had an account with them that we were eligible to get a free {$3000.00} policy all I had to do was to sign the form and send it in so I did. The insurance company 's is XXXX XXXX. I called them and they refunded me one payment of {$90.00} after several weeks. I called them back to tell them they still owe us {$90.00}. After some weeks I received a letter dated XX/XX/2023 they want me to fill out a form and have it notarized. I'm not going to do this because it seems suspicious to me. I feel that we have been set up and if so how many people have been taken advantage of. I think that XXXX is responsible letting this happen to us and should make our accounts hole again.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking XXXX of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.
Consumer complaint received 2016-12-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

Ally Financials need to spelled my name right. Which is XXXX Also, I have been send a reminder notice of payment when I still have until XXXX to pay my bill. I personally call at the beginning of the loan and request for my due date to be move from the XXXX of every month to the XXXX of every month. I get paid on a Bi-Weekly basis and the payment is set automaticly for it to go on XX/XX/2016 and a payment of {$300.00} has been set. I do not understand why this company is harrassing me so much when I have always paid like this. I do n't understand why they are charging me so many late fees when I have paid. They move my due date to the XXXX of everymonth and after this day is when the late payments should be posted not before. Why they have not post a reacent payment of {$260.00} that I made on XX/XX/2016
Consumer complaint received 2023-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 can not furnish a account without my consent
Consumer complaint received 2023-04-13
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)

To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX Long Beach XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports.

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms.

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-12
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I missed XXXX Payments due to a situation during the XXXX XXXX XXXX. I have sent a goodwill letter to the CEO of and to XXXX XXXX to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the CARES act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and XXXX XXXX.