davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-24
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. (IL)

Despite my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I never recieved a response from three credit bureaus as I sent a letter to them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Please correct the following accounts as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-22
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. (TX)

On XX/XX/2023 I spoke with a representative of Experian to question why my credit score dropped XXXX points she stated it was because of the disputes Ive filed! 
Ive recently found out that that is illegal I also questioned why things havent been removed from my credit report because there have been several things removed from my XXXX XXXX report and eqifax report! 
She said thats because Experian takes more time! 
I also expressed the fact that ever time I pay my bills on time and split them up so I can get double the credit my credit score keeps going down!
Consumer complaint received 2023-05-24
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. (CA)

This is my sixth 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 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX AV XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2023-05-24
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. (CA)

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : 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 a accounts 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 this 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 2015-08-17
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have credit card with Capital One and sometimes use their offer totransfer balances to reduce interest paid on other cards. Before I couldpay off any purchase balances first without being charged interest on it, if paid on time. This was a positive of the new laws. However, now they asay that any purchase will be assessed interest regardless when you payit off unless you pay the entire balance including balance transfer. 
Naturally, this makes a balance transfer not very worthwhile. This doesnot seem what law intended.
Consumer complaint received 2023-05-24
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. (IL)

Despite my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I never recieved a response from three credit bureaus as I sent a letter to them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Please correct the following accounts as they are inaccurate : XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00}.
Consumer complaint received 2023-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (DE)

This is my 3 complaint and request to R.A.Rogers. PLEASE RESPOND VIA CFPB AND OR MY EMAIL. This company can not provide the information Im asking for this is why they are sending me things in the mail. Its also Mail fraud if you continue I will report you. If you cant provide everything the law requires please cease and desist!! I have attached proof that Identity Theft and fraud has been committed 2 of the same contract and only one is correct I do not owe XXXX XXXX XXXX  any thing and I most definitely do not owe R.A.Rogers. I have every right to file a lawsuit against XXXX and R.A.Rogers. This company can not show they have Notice 15 USC 1681b permissible, purpose. 15USC 1681q ( 3 ) I did give Authorization to give or use my ID information for any reason to R.A.Rogers or SECU. Neither of these Companies has sent me a true negotiable bill the statements i have received is Mail fraud. Pursuant 15USC 1681a ( 2 ) if I at anytime opt in I am opting OUT!
Consumer complaint received 2016-09-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (IN)

RE : INVOICE Notice The Credit Card Financing. 
7.9 % APR for XXXX Custom Payments TERMS. This transaction is under your Credit Card Agreement with Wells Fargo Financial National Bank ( " the Bank '' ). 


Breach Of contract 1. I looked at my contract with XXXX 's XXXX Company and they charged me for a new down flow unit I never got, but will have to pay for. 
2. Thermostat : They used my old wiring and charged for new. 
3. He said he was sending out a year supply of air filters ( XXXX ) 4. He said that they would mail us all the manuals for the equipment. 

XXXX 's XXXX XXXX has never done any of the above. They did make a {$300.00} payment to to off set the price so it would be comparable for a smaller XXXX unit. 
My husband contacted Wells Fargo to stop payment until all the problems were fixed, Wells Fargo told him he would have to take that up with XXXX 's XXXX XXXX. 
Now on our Wells Fargo bills we get charged {$31.00} interest charges every month on purchases. We are setup to have 7.9 % APR with XXXX custom payments, but have n't been shown what the payment will be. 
On our bill it changes every month on the APR and payments and charges for on purchases {$31.00} interest. What our we buying to get charged for? 
And why do n't we have our payments of XXXX custom at 7.9 % APR setup? 
And why is this not setup on our monthly bill. At this rate it will never be paid off. What is Wells Fargo doing? 
XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: World Omni Financial Corp. (GA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}
Consumer complaint received 2023-05-22
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. (MI)

New and updated information in reference to complaint # XXXX Transunion is ignoring my dispute of their reinvestigation process under XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I included in my complaint a letter from Bankruptcy court stating that they do not communicate with any Credit Reporting Agencies. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) ( A ) Transunion is in Violation of this law and are ignoring my request to delete Bankruptcy 's from my consumer report, TransUnion states that Bankruptcies are verified and updated but have not contacted the US Bankruptcy Court I have attached proof of this to this complaint and previous complaints I would like to add that Transunion is also in Violation of 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. None of the times that I listed in previous complaint # XXXX Transunion did not follow this law and never has when I have disputed my consumer report, response to complaint # XXXX states In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -DELETED XXXX XXXX XXXX MICHIGAN-VERIFIED AS REPORTED I have 2 Bankruptcies that were on my consumer report Case # XXXX was deleted as part of that complaint but Case # XXXX was not deleted by Transunion as stated in the response to complaint # XXXX.
Consumer complaint received 2023-05-22
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 third 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (CA)

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 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 ALL continue to 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 2023-05-22
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be corrected as soon as possible. 
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 2023-05-22
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-05-22
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)

Despite many written requests, the following things remain on my credit report, which is prohibited by the FCRA. The Departments failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the prescribed time frame, they failed to adequately investigate what was happening by using a third party, and they continued to provide unsupported and unconfirmed information. My attempts to directly handle it with three credit bureaus resulted in their breaking federal law and being willfully careless, and I need this matter to be fixed right away. Please delete additional items from my record. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

This is a follow up to report XXXX. XXXX XXXX I was approved for the XXXX XXXX card. It had a credit limit of {$5200.00}. I made two charges, total {$230.00}. I tried to use the card two more times at gas stations. The card was declined. XXXX XXXX I returned to XXXX to finish my XXXX XXXX XXXX XXXX  My bank made a payment for the full amount on XXXX XXXX for a payment due date of XXXX. The XXXX XXXX statement arrived with a {$30.00} late fee. My father called them and stated all of the above. They would not talk to him. The XXXX statement now had another late fee plus {$2.00} interest. My father sent a letter with a copy of the bank check plus a notation to cancel the account and the card cut in half. The next month the late fee increased to {$41.00}. They were contacted by phone XXXX more times plus by e-mail. XXXX we contacted you. The bank sent a letter to me dated XX/XX/XXXX that read they were contacted by you. The letter had a summary explaining the payment was late in XXXX so they have a right to enforce a late fee and interest! On XX/XX/XXXX I received my new statement and now have a balance of {$320.00} which is all fees and interest. I have a XXXX score over XXXX and have not one blemish on my credit reports.