davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello my name is XXXX XXXX. Im making a complaint to citizens bank the reason why is because they hold my check saying its fraud, they reject and its still being hold. 
XXXX XX/XX/11 I think I received the check from a company that helps people with their rent. 
( XXXX rent relief ) Im currently was living in XXXX and was in out XXXX. So I got the check I mobile deposit it on the XXXX. Citizens accepted they check and cash it. I call chase it was cashed on the XXXX. They hold my check up until XXXX of XXXX. They said it was declined and reject getting sent back to the XXXX relief. So I call back they told me my check was still on hold so I need help. This bank is hold my money when Im behind on rent.
Consumer complaint received 2022-02-25
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. (DE)

To whom it may concern, 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 instructions of the consumer to whom it relates. 

I, never gave EQUIFAX any written consent to report anything to my consumer report. No Consent is identity Theft. A copy of the law is attached with this dispute letter. 

With that being said, I the consumer contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Id XXXX ) which is the dispute center representative and the Supervisor which is XXXX ( id XXXX ). They both stated on a recorded line that are not deleting even with the laws presented to them. Equifax failed to comply with requirements of 15 U.S.C 1681b and responsible for an individual action/violation. I am sending dispute letter with the laws attached. Im requesting {$1000.00} for failure to comply. 


Under 15 U.S Code 1681n Civil Liability for willful noncompliance ( a ) IN GENERAL Any person willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer in an amount equal to the sum of_ ( 1 ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Concerning the accounts listed below as a consumer Im demanding a deletion of this accounts. 
Youll must delete these accounts within 4 days after receipt under 15 U.S code 1681c-2. 


XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX
Consumer complaint received 2022-02-25
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. (AL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand my accounts be verified or deleted immediately.

( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to you as a concerned consumer and citizen regarding numerous fraudulent accounts and inquiries that have been reported on my credit report. Despite my repeated efforts to resolve this matter, the credit bureaus have failed to take the necessary actions to correct these inaccuracies. This is my third attempt to address this issue, and I am now seeking your intervention to rectify this matter urgently.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Approximately XXXX of 2019 I requested that XXXX XXXX XXXX would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX and one XXXX because had autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXXXXXX XXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts.

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXX XXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX  XXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this.

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX  XXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (NM)

I purchased my new XXXX XXXX XXXX XXXX at the end of XXXX, and have been very happy with it except for one detail. 

I wanted to sign up for XXXX XXXX with the new Goldman Sachs Apple Card, but each time that I've uploaded my driver 's license for the application for the Apple Card, I keep getting the message that my identity can not be verified. I've done it about 10 times now, and each picture of my license ( front and back ) has been perfectly clear. There have been no errors in my applications, and no one at XXXX XXXX, Apple Card Support, or Goldman Sachs can tell me what the problem is. 

I've been promised 3 return calls now from Goldman Sachs and Apple Card Support over the past week that have never come.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Submitted XX/XX/2022 Completed XX/XX/2022 Confirmation number : XXXX Equifax have failed to provide description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Equifax have failed to maintain reasonable procedures to assure complete accuracy in the information they publish on my consumer report. Equifax must comply with the law by providing the requested information within the 15 days allowed.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Capital One has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on receiving an application by phone/internet, and the last bill and payment sent for the supposed account. They also mentioned this account being opened with a valid contract between Capital One and I, but didnt send a copy of that requested contract. 

another certified letter was sent ( and received by Capital One ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract.. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

I am writing to formally notify you that my landlord is not adhering to XXXX  state law regarding tenant rights, specifically under the XXXX Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I attached the credit report for account XXXX to show the discrepancy in payment history reporting to the credit reporting agencies. How can each bureau report different payment history for the same account? I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately per FCRA guidelines : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am a victim of Identity theft ; 15 USC 1681c-2 ; The information listed on my report such as XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the result of identity theft. This is causing inaccuracies to be reported. This fraudulent information is not available on my XXXX XXXX Report. I am asking for it to be removed ; 15 usc 1681 ( a ) ( q ) ( 3 ).
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX of XXXX, I applied to a COVID mortgage forbearance that was being offered by Wells Fargo to customers struggling during the pandemic. The words that was used online and over the phone was that my loan will be on an interest and penalty free forbearance. After the the forbearance I will continue making regular payments, and at worst my loan will continue longer than the original term ( 30years ). At the time, my loan balance was about {$210000.00}. I started making making 11 months after the forbearance. My current balance shows {$200000.00}. 

Now I am in the process refinancing with XXXX XXXX  and was approved. The XXXX mortgage financing team found that Wells Fargo put a lien on my home for the balance of {$21000.00}. I called Wells Fargo and they let me know that is what I owe because of the forbearance. Now that I am refinancing, I have to pay my normal balance of {$200000.00} plus an additional {$21000.00} because of the forbearance equalling over {$220000.00}. Note that I originally purchased my home at {$220000.00} in XXXX, that those numbers are preposterous. 

This is not at all what I agreed to. I expected a forbearance just like a student loan forbearance. I feel that Wells Fargo took advantage of the situation without sympathy. Adding an additional {$21000.00} to any customer 's mortgage goes against morality and should be against law. COVID relief of any form should be there to help people in need without strings attached. Loan sharking should be completely outside major institutions like Wells Fargo. Wells Fargo knowing I was under stress should have been sympathetic and should have explained in person what will happen to my loan if I agree to their forbearance. Furthermore, the {$21000.00} should not be paid by me, or that amount should be deducted from my loan. My total balance in my loan now should be only what I owe which is {$200000.00} only.
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have spoke to XXXX  several times on several different occasions to CLOSE my account, I never funded the account. I express concern that if there was a data thief, they would have access to this closed account. The online access portal is still active showing this account. I just receive an email about " XXXX Checking statement is now available, Account ending in XXXX ''. I feel like I'm being harassed and the company refused to CLOSE this account.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (CA)

I was thrown into collections after I called to make a payment. I was scolleded by the customer service representative for being late. I told her why do you think I'm calling to make a payment and why is she scolding me for lateness when I'm attempting to make a payment. So she did not like I was assertive in expressing to her she doesn't have to try making me feel bad and I don't need a lecture. I felt that after my conversation she was going to throw me in collections and I was correct. Due to this aggressive employee who had the power to report for any reason she did. Because of her taking the power to feel as if she's calling the shots I was reported. She is the reason why my credit report is negative. I suffer from XXXXXXXX XXXX XXXX I have not had the XXXX XXXX to address this problem because I'm so XXXX I ignore. She has caused me stress and a bad negative reference that you still reporting to this day. If it had not heen for a XXXX I would have continued payments. Stop reporting me you did damage already. I'm tired of unprofessional XXXX.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AR)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

As per the guidance from the Consumer Financial Protection Bureau. The documents needed are a picture Id, XXXX, a group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX -De XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant XXXX XXXX. I have given you my identification as we are required by law. I have provided all needed documents and determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-02-25
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.