davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TN)

This is part of the Wells Fargo Law Enforcement action law suit, I had an account with wells Fargo during those years and got a small check from them in this law suite XXXX 
I want to know if I will be getting more money? They charged excess NFS fees and then they just closed my account. It was the Wells Fargo Bank located in XXXX Alaska, I do not have a copy of the check, but I'm sure with this law suite they can find it. Now that I have gotten one check I'm sure there is more that will be given out.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe your organization has committed. Under 15 U.S. Code 1681n, individuals have rights to compensation for willful noncompliance by credit reporting agencies. 
I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. These errors include Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) Consumer Right to Privacy Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) Consumer Right to Privacy As per the FCRA, I kindly request that your bureau promptly investigate these inaccuracies and take the necessary steps to rectify them
Consumer complaint received 2023-02-01
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. (WI)

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency XXXX has been constantly removing and re-inserting an account from XXXXXXXX XXXX  on and off my consumer report. In my previous complaint of the company response from XXXX, it clearly states XXXXXXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

XXXX, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.
Consumer complaint received 2023-02-01
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. (IL)

In according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : CXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (PA)

Experian have these file 's that I don't recognize except one. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The only one that I need help paying off for credit card debt is : XXXXXXXX XXXX
Consumer complaint received 2023-02-02
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. (TN)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2023-02-02
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)

Experian is reporting that I have a miss payment and my account and they do a investigation that only one day they never inform me by mail or do a proper investigation the need to remove the late payment from my credit score because the can not send me proper proof and documentation of the investigation that they did and prove that Im late because XXXX reporting that Im not late while Experian reporting late payment and damaging and hurting my credit score and ruin my reputation they need to remove the late payment or send me proof and documentation in the mail
Consumer complaint received 2023-02-02
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. (NC)

My name is 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.
Consumer complaint received 2023-02-02
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. (PA)

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 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 2023-02-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Opened the account in XX/XX/2022. 
Deposited promotional offer amount of {$1000.00} of new money for the 30 days. 
Waited for the full 90 days during the promotional offer period Called 60 days after the waiting period and unable to escalate to a supervisor. 
Customer service representative confirmed I had met the requirements and was not sure why it hadn't been deposited. Never received any additional information or call regarding this issue.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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 an alleged fraud or extortion. 

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 XXXXXXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Notice to agent is notice to principle notice to principle is notice to agent. 
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative. 
without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse. 
remarks XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence. 
of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then. 
you must remove the account from my credit report.
Consumer complaint received 2023-02-02
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. (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 XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

NXXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXccount Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Number : XXXX has violated my rights. 

XXXX XXXX XXXX Number : XXXX has violated my rights.This account was never 30 days late or past due 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 2023-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

XXXX XXXX has sold a debt to two separate companies, that have both reported to the credit bureau 's and negatively affected my scores. I did not receive a debt verification letter from either collection company at all, or within 5 days of first contact. I am attaching proof of the DOUBLE REPORTING that entails the name of one of the companies, Credence Resource Management. Please have them remove the collection account from my credit report and cease all attempts to communicate with me. 

Thank you.
Consumer complaint received 2023-02-02
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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. (VA)

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 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 XXXXXXXX, 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 an account without my written my instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 accurate.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (CA)

Per their website calculator I applied for a personal loan on XX/XX/2023. See screenshot with my circumstances, I entered the amount I need, the length of time I needed and my XXXX XXXX. they offered 10.99 % APR, so i went ahead and provided all my personal information and was told that my XXXX XXXX XXXX. I have an XXXX XXXX XXXX and very decent income, pay my CC on time and in full. I believe they either false advertise or discriminate. 
Then when I told them I was not interested and that please remove all my personal information from their website, they staff said she was not able and that I might be receiving advertising from other companies.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

Re : PayPal Smart Connect failed Purchase dated XXXX/XXXX/15 for a XXXX XXXX XXXX XXXX Tablet for {$980.00}, Item ID # : XXXX paid with PayPal Smart Connect for promo payments with no interest charge earning up to {$68.00} rewards. Thus, I never use my credit cards and credit for payment plans that require I pay interest. Up until this time, the only reason I used Smart Connect Credit was for promo payments, since, I have over a dozen credit cards that pay me up to 7 % rewards. Therefore, I was supposed to make payments with this purchase with no interest charge ; however, the purchase failed. 
I was going to return my tablet But then I agreed to keep the tablet if I would be put on a payment plan with no interest charge. 
I then discussed it on a XXXX way call with PayPal and Synchrony bank this year in XXXX, that I would get the interest charge reversed. PayPal and Synchrony Bank Agreed ; otherwise, I would have returned my tablet. However, Synchrony Bank backed down from their promise and started charging interest charge. Synchrony Bank did reverse a few charges but not all of them. 
Therefore, last month I paid off my table, totaling {$980.00} without the interest charge that was supposed to have been reversed. I borrowed the money elsewhere ; since, I was and am sick & tired of dealing with PayPal ; XXXX and Synchrony Bank. 
I did tell Synchrony bank I was going to cancel the XXXX I did not ask for and that Synchrony Bank had transferred the interest charges to ; which, it is illegal. 
I am requesting for Synchrony bank do not reverse the statement balance of {$59.00} ; which comprises of interest charges.. 
So please, help me communicate with Synchrony bank for the last time to take my complaint seriously. I do not appreciate wasting 7 months with this issue. XXXX, inactive XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (CA)

The ExperianXXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Bank of america debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My BOA credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel BOA was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. BOA should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

On XX/XX/year> my account checking and savings accounts at XXXXXXXX XXXX  had a levy put on them and were frozen for the amount of XXXX. When I called the bank they directed me to Weltman , Weinberg & Reis Co., LPA, I kept getting bounced around and received no information, I even called the IRS. I eventually called Weltman, Weinberg & Reis Co., LPA again and after threatening legal action received the information that my bank account was frozen due to a judgement of debt to XXXX that I dont owe them- I didnt receive a court order or notice of the judgement. I tried to look up the information on the docket system as well as other government officials who have special access and no one could find notice either. I wasnt given any chance to represent myself. The head of XXXX has felony convictions for financial crimes including money laundering. The harassed friends and family of mine by creating fake accounts and posting fake negative business reviews of their business to deter customers, and slander my name