davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
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. (MD)

My Equifax credit report spelled my name incorrectly and had the wrong year for my date of birth. 

These errors were already present several years ago, but I did not become aware of them until my application for a security clearance was rejected last fall. My XXXX and XXXX  credit reports did not have these errors. 

On XX/XX/XXXX, I mailed a Research Request to Equifax with a copy of my driver 's license to authenticate the necessary corrections to my name and date of birth. 

On XX/XX/XXXX I called Equifax, having received no acknowledgment of my request. I was told that my driver 's license was on file but that no action was taken because they required a copy of my Social Security card. 

On XX/XX/XXXX I mailed an updated Research Request to Equifax with copies of my driver 's license and SS card. 

On XX/XX/XXXX ( today ), I received an email inviting me to view Equifax 's " results of your dispute ''. The email was addressed to me using my incorrect name. The authentication pages at Equifax asked four questions that were unanswerable because they referred to loans and credit accounts that I never had. No telephone number was provided, and there was no mention that Equifax would send written confirmation that the errors had been corrected. 

Thus, some of my most fundamental personal information at Equifax -- my name and date of birth -- was erroneously and inexplicably acquired by Equifax. Equifax has been unresponsive and irresponsible in handling my requests for correction. Because the erroneous information is also being used to authenticate my identity, I have no way even to communicate with Equifax directly to settle this matter.
Consumer complaint received 2018-06-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (MA)

XXXX debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
XXXX falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
XXXX failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation XXXX intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of XXXX is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been working with Experian for a few weeks now. I called and reported the Identity Theft fraudulent accounts that are still appearing on my reports. It even appears twice, same account one says closed and one says open for XXXX XXXX XXXX XXXX. I sent the FTC Affidavit showing ID Theft. Called their Dispute department and advised them that this is not my account and they said they would block it but instead just keep disputing it. When they " dispute it '' They come back and say they " Verified '' with the furnisher its my accounts. This is not true, i have not signed any contracts with XXXX 's these Account ( s ) appeared after my wallet was stolen and my Identity was used to open these. The XXXX 's company doesn't even have my correct Address on file. Secondly they list my address in their System as XXXX XXXX XXXX XXXX, TX XXXX. My Address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX but it won't let me update the address. Both of these XXXX 's Accounts are fraudulent and i want them blocked from my file i will attach the Affidavit below. Also there is an account from XXXX XXXX. This is not my account, i never received any benefit from this account and i want it removed and blocked from my credit file as well. Additionally XXXX is reporting late payments, this only occurred after the ID Theft occurred at which time i entered into a Payment plan with XXXX and they advised they wouldn't report any late payments so these should be current as i wasn't late.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (WI)

On XX/XX/2016 I paid XXXX XXXX XXXX  the full balance that XXXX XXXX was having them collect. XXXX XXXX XXXX removes themselves from my credit report but XXXX XXXX is still reporting. Ive had this account on my credit report for almost 8 years now. I contacted corporate office of XXXX XXXX and they told me that since I didnt pay them directly, they were keeping the debt showing on my credit report. Its not even reporting as paid. Its repirting as a charge off which is correct/incorrect because I paid it.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XXXX of 2024 I disputed ownership of an account in the amount of {$1800.00} from collection agency XXXX XXXX XXXX. The original creditor was listed as XXXX XXXX XXXX XXXX XXXX XXXX. 
This amount as well as original creditor is not listed on my credit report and I have no knowledge of XXXX XXXX DEBT XXXX XXXX XXXX or any business with said creditor. 
I asked for the original signed contract from the original creditor as well as the verification of dept from Experian and did not receive either information. 
I again disputed this dept in XXXX as included my credit report showing XXXX XXXX XXXX XXXX XXXX XXXX was never listed on my credit report except from the collection agency XXXX XXXX XXXX. 
As I do not show an account history from XXXX XXXX XXXX  XXXX XXXX XXXX, nor any proof of original creditor agreement I have asked that it be removed. 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX have failed to furnish original signed contract or proof of ownership of dept to me multiple times.
Consumer complaint received 2024-10-21
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. (TN)

Subject : Immediate Removal of Inaccurate Accounts in Litigation Violation of FCRA & Re-Insertion of Debt To Whom It May Concern, I am writing to formally request the removal of two accounts currently being inaccurately reported on my credit profile. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX - {$83000.00} XXXX XXXX XXXX XXXX - {$28000.00} These accounts are in litigation, and it is my understanding that reporting these alleged debts while in litigation is a direct violation of the Fair Credit Reporting Act ( FCRA ), as it constitutes the reporting of inaccurate information. Additionally, this re-insertion of a debt without proper validation violates the FCRAs re-insertion provisions. 

It is also important to note that these accounts are being reported as income, which constitutes a violation of the FCRA, as no proper tax documentation such as a 1099-C form has been issued. This is especially concerning as it turns alleged debts into taxable events, creating significant harm to my credit profile. 

Moreover, these accounts represent a violation of children 's rights by associating them with an alleged debt. This creates undue harm and unfairly affects my ability to maintain a clean credit record. 

As per the Fair Debt Collection Practices Act ( 15 USC 1692 ), any inaccurate or misleading information reported by a creditor is a violation, entitling me to seek damages for civil liability. I am also informing you that I will report this to both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not promptly removed from my credit report. 

In light of the ongoing litigation and the violations mentioned above, I demand that these two negative accounts be removed from my credit file immediately. Failure to do so will result in my taking further legal action. 

I appreciate your prompt attention to this matter and request confirmation of the removal in writing.
Consumer complaint received 2024-09-06
Product: Credit reporting 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 have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-03
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. (FL)

I have checked my credit report that the account from XXXX XXXX ( Acct:XXXX  ) contains erroneous information. The account states that I made late payments on this account. this is incorrect! The lease that is the subject of this account is an automobile lease that ended on XX/XX/XXXX. All payments pursuant to the terms of the leaser agreement were timely made. 

There is an amount that XXXX XXXX is alleging that I owe that I'm not agreeing with. There was no agreement between XXXX XXXX and me to pay the amount alleged to be owed by XXXX XXXX on my credit reports. Pursuant to XXXX XXXX ' publicly posted information, the company is to send the " Lease-End Liability Invoice '' " up to 30-45 days after your vehicle has been returned '' XXXX XXXX XXXX 

I turned in my leased vehicle to XXXX XXXX on XX/XX/XXXX. I received a call from XXXX XXXX approximately XX/XX/XXXX asking me to turn in the vehicle that I had turned in 4 month prior. It was not until XX/XX/XXXX that XXXX XXXX sent me a notice advising me of an amount owed for those months. XXXX XXXX clearly did not know where the vehicle was for four months after I turned in the vehicle. 

I have repeatedly contacted XXXX XXXX but have been consistently told that they are unwilling to do anything. XXXX XXXX is listing the account as having late payments/Chargeoff thus negatively affecting my credit report. I have attached copy of the certified mail I have sent to all 3 credit bureaus.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I called XXXX customer support to understand why my in-app payments were not going through. I was then told my Wells Fargo XXXX account was closed on XX/XX/XXXX without any warning, resulting in a loss of over XXXX rewards points in my XXXX account and a severe drop to my credit score. When I called XXXX customer services on XX/XX/XXXX to learn more, none of the agents had any information about why my account had been closed. I was transferred 4 times before an agent told me that a letter would be arriving with more information and that is the most she could do. When the letter arrived on XX/XX/XXXX, it contained little-to-no information about why my account had been closed beyond 'suspicious payment or account activity, or money that we could not collect. ' So, I called the number in the letter for more information. After being transferred XXXX times once again, nobody was able to provide any information about why my account is closed, stating that 'there 's nothing in the notes about the closure. ' The last agent informed that the fraud department is handling my account and the she could email them to get in contact with me since they do not have phone to call. Two weeks later on XX/XX/XXXX, I had not received any calls so I called the number in the letter again. After having to explain my situation again, I was transferred to card services, who quickly ( and incorrectly ) transferred me to business card services, who then transferred me to another support line. The agent I spoke to was finally able to tell me that my account had been closed due to " 6 returns in 6 months. '' I contested that all but one month 's payment had gone through, and that my account balances would reflect that. She escalated me to her supervisor, who explained the same thing to me. I asked for a contact with more information, and she transferred me to a customer advocacy representative who listened to my situation and escalated my account to by reviewed by the " Executive Office. '' I am now waiting to hear back from that office about reinvestigating my account. I have been told by many agents that my account can not be reopened, and I have to submit disputes to the credit bureaus to hopefully recover my credit score. I did everything to pay this card on time and use appropriately in alignment with guidance XXXX and Wells Fargo, and have been unreasonably punished and robbed of benefits and credit.
Consumer complaint received 2024-09-05
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. (WY)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

154 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 my 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft I filed a police report and a FTC report as well. It is 3 accounts on my credit report that have been open fraudulently the first account is with a company named " XXXX XXXX '' and another one with " XXXX XXXX '' and also " XXXX XXXX '' I have never opened any accounts with them, and it is clear that someone fraudulently opened these in my name without my consent. I have contacted the company and the Credit Bureaus but they have not been helpful in resolving this matter.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2022 I reported a scam to CashApp for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but CashApp wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the CashApp user as a scam, it automatically blocks the account so I can't see if it's still active on CashApp. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my XXXX XXXX checking account. I sent XXXX XXXX all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called XXXX XXXX claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor CashApp transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by CashApp and I was dismissed by my bank ( XXXX XXXX ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If XXXX XXXX won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I reported a scam to XXXX for a {$230.00} transaction. Within minutes of the transaction, I attempted to cancel it but XXXX wouldn't allow me. I attempted to request a refund the next day, but that didn't work either. When reporting the XXXX user as a scam, it automatically blocks the account so I can't see if it's still active on XXXX. I tried contacting customer support, but they only had a chat bot. I asked the chat bot for a phone number numerous times and was never provided with a number for a live agent. 
I then disputed the transaction where the money transmission came from - my Wells Fargo checking account. I sent Wells Fargo all of the chat transcripts, logs, and receipts, but never received confirmation that they received the information or reviewed it. Several days later, I called Wells Fargo claim support and asked numerous times if they received the email where I sent every detail about the dispute. I was told it doesn't matter because they won't honor XXXX transaction disputes. I asked to speak to a manager, but was transferred to an escalation call center where the agent repeatedly only said, " we won't honor this dispute. '' I spent a ton of time and effort doing my due diligence to have to follow up myself and simply be told no one will help me. 
I was dismissed by XXXX and I was dismissed by my bank ( Wells Fargo ) despite having FDIC insurance that is supposed to protect me from scams and fraud like this. If Wells Fargo won't even submit a chargeback for blatant scams such as this, they are encouraging the proliferation of scam artists on these apps because there's no repercussions.
Consumer complaint received 2024-09-05
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Andaccording to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

In accordance to the fair reporting act test creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not trade a payment on a credit card account under an open consumers credit plan as late for any purpose