davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FTC Report Number ( Included ) : XXXX My CFPB LETTER STATUS Sent to company on XX/XX/2023 XXXX Company responded STATUS Company responded on XX/XX/2023 Response is Over 30 days late. 

I told the XXXX and Transunion to reinvestigate these accounts : Account name : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account name : XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

cc XXXX XXXX cc : AG Office
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

i told experian, XXXX, and XXXX to reinvestigate these accounts account name : XXXX XXXX XXXX XXXX  : XXXX XXXX however, they stated everything was completely accurate. But how is that possible if the open date, date of last activity and much is incorrect.

according to 15 usc 168 1i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 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 then records of convictions of crimes which antedates the report by more then seven years 15 u.s.c 1681s=2 ( A ) ( 1 ) A person shall not turmish 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 also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2023-05-31
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (PA)

FTC Report Number ( Included ) : XXXX My CFPB LETTER STATUS Sent to company on XX/XX/2023 Experian XXXX responded STATUS Company responded on XX/XX/2023 Response is Over 30 days late. 

I told the Experian and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account name : XXXX ( XXXX ) - ( XXXX ) XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

cc : XXXX cc : AG Office
Consumer complaint received 2016-10-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NE)

I have a retirement account at Wells Fargo setup through my employer. At the beginning of the year Wells Fargo sent a notice that all future retirement statements would be sent electronically unless I opted-out and requested them to remain sent by mail. Since then I have NEVER received it by mail even though I requested it several times. Each quarter I am re-signed up for electronic statements even though I do n't have an online account. I am then sent an email stating that I have requested it to be sent electronically. 

Every quarter they claim to change my delivery preferences but I NEVER EVER GET IT! I believe it is a deliberate attempt to force me into agreeing to their online XXXX which requires me to relinquish several of my rights. 

I have never agreed to have this account and have stated my distrust repeatedly. Wells Fargo has it setup with my employer so that my employer can make cash donations to Wells Fargo in my name. There is a retirement fund ( which I can not close ), which donations are made to ( which I can not move ), and all of it gets taken by Wells Fargo for " Bookkeeping Fees ''. They should be investigated for fraud and should NOT be able to use peoples identity against their will to launder money! 

Wells Fargo also uses my personal information to send me constant solicitation which I have requested numerous times to stop.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and I have received a fraud alert in regards to the unauthorized and fraudulent credit inquiries listed on my Experian credit report. The following credit inquiries are unauthorized and fraudulent : 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 Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX Company XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2023-05-28
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. (OH)

In Accordance with the fair Credit Reporting Act XXXX  Accounts : XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX  XXXX opened on XX/XX/XXXX for {$25.00} XXXX XXXX XXXXXXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of EducationXXXX opened on XX/XX/XXXX for {$8200.00} Dept of EducationXXXX opened XXXX XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX opened on XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXXn opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In XXXX, XXXX XXXX XXXX, XXXX, and XXXX issued a XXXX ( Cancellation of Debt ) for the credit card accounts I had with the banks. Therefore, per Debt Buyers ' XXXX v. XXXX ( XXXX XXXX ), the banks are prohibited from " pursuing debt collection and enforcement activities after such forms are issued ''. The issuance of the XXXX creates a XXXX balance with the banks for me. And, I had to pay taxes on those funds. But, the banks keep reporting to Equifax, XXXX, and XXXX ( credit agencies ) that they are actively pursuing payment for the accounts. Their reporting makes it look like I have open accounts with monthly payments due and account balances. And, I do n't. 

I filed complaints with Equifax, XXXX, and XXXX in XXXX of XXXX but the credit agencies sent back very vague replies that I did not understand ( and I am a college graduate with extensive work experience ). And, the inaccurate information is still on my credit reports. 

If the banks discharged the debt, then the accounts should not appear as " open '' on the credit reports and they should not indicate that I have monthly payments due, and account balances ( meaning, the banks are expecting to have the balances paid down ). 

Everyone knows that posting debt information on a credit report is an act of pursing debt. Since the banks are prohibited from pursuing the debt ( because of the XXXX and statute of limitations ), then they should not be reporting that they are doing so. 
Dispute Report Numbers : XXXX : XXXXXXXX : XXXXXXXXEquifax : XXXX
Consumer complaint received 2023-05-29
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CA)

This is my second attempt to request a credit balance on my Synchrony Bank XXXX XXXX Credit Card. 
I called customer service numerous times, but they couldnt find my closed account for some reason. I have been asked to provide my birthday and social security number, but they cant find any information about my XXXX XXXX Credit Card, which I closed five years ago. 
Attached is my final email to the bank from the letter I received. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I lost my job after XXXX years on the job I called Wells Fargo for a modification the lost mitigation department told me that for unemployment they do n't offer a modification they offer only unemployment assistance program which means they will take a lower payment from me but they will ruin my credit how is it how is it fair to us I have always made our mortgage payments. He said it 's more than likely because the unemployment benefit would not cover the payment how would he know that if you never even took an application on me. I know someone that was on XXXX that 's also a temporary situation and temporary income and they got modified so how did they pick and choose who they help
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

As a sole proprietor we took advantage of what seemed a great offer mailed to use via Capital One Spark Business card. The problems began almost immediately. Upon trying to even activate the card, I was forwarded to the fraud department. 

Over the course of using the card for the first three weeks, we encountered XXXX other false fraud warnings. ( XXXX on my personal Capital One card too ) We 've spent numerous hours on the phone verifying info, only to find out that for some reason they had n't activated the card properly from their end. It finally got to the point where it seemed Capital One was accusing us of fraud, so we retained counsel who now conference calls in with each new false fraud warning. 

I 've never experienced anything like this - they seem anti-customer, accusatory and are unable to articulate any of the reasons any fraud alerts were triggered. Something is fishy with Capital One - I highly recommend avoiding it. We have a legal team now looking at what our options are. We will be compensated for our time and for dealing with what at best is harassing, and at worst is accusatory insinuations of customer fraud. After researching others .... MANY others ... have this same problem the CFPB and/or FTC needs to do something about Capital One. An investigation?
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-28
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: Experian Information Solutions Inc. (OH)

In Accordance with the fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX XXXX opened on XX/XX/XXXX for {$25.00XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of Education/XXXX opened on XX/XX/XXXX for {$8200.00} Dept of Education/XXXX  opened on XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (AL)

I contacted Core Advisory Group last XX/XX/XXXX to seek help with my mortgage situation. After being denied for a loan modification by my lender XXXX I was in desperate need for some help in order to save my house, so I sought help with a company name Core Advisory Group. They had sent me a mail advertisement that read XXXX and my loan was eligible for a payment reduction and interest rate to be as low as 2 % and also mentioned that I was a plaintiff against my lender for a lawsuit. Also the advertisement states, they can stop my foreclosure with their XXXX XXXX XXXX so I gave it another shot and reached out to the company to see how they can help me. 
After speaking with XXXX of their sales representative XXXX assured me that I have a strong case to file a complaint against my lender with federal agencies and government officials and this will force my lender to stop any foreclosure proceedings and get my bank to negotiate a new loan modification plan for me. They wanted me to pay a total of {$4300.00} all up front but I only can do a portion of that in payment plans so they agreed and I paid them {$1700.00} which my check was deposited into their XXXX account on XX/XX/XXXX. 
What frustrates me is that when they told me they had spoken to my lender XXXX, my lender told them that the reason I was n't qualified for a loan modification is because I did not make enough money to qualify and I already knew this. I wish if I had known sooner that this company preys on peoples vulnerabilities and will do anything to make you feel like there is hope for some help and as soon as you send them your money and you find out they were n't living up to their expectations, they will fight you to the very end to keep your money and that is what is happening to me right now. I have been misled and lied to. If it was n't for their deceptive advertisement to get me to call them, I would n't be out of {$1700.00} which I had to borrow from friends to help me out so not only did I lose that money to them, I am now in debt with my friend. I just want my money back and these people should be ashamed of themselves for doing this to people who really needs help.