davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX inquiry ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-19
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)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off evely month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

CFPD please note of this legal document for your government records regarding Wells Fargo and XXXX and myself, XXXX. XXXX XXXX XXXX former document marriage certificate supplied to XXXX/ XXXX Wells Fargo Branch 3 times. Please investigate who these XXXX individuals are. Are they legitimate individuals involved in my court ordered XXXX XXXX from Wells Fargo? The individuals, emails and phone numbers are invalid. 
Also, please confirm with Wells Fargo Executive Office my signature of withdrawal from the XXXX XXXX ordered settlement. I never withdrawled. I request a legal document with my signature of closing my interest in the XXXX XXXX. Please note according to the individual, XXXX XXXX, I can open at anytime my file, which I have had NO INTENT of closing even to this day. This person does not exist on the legal document provided. Also, does the mediator XXXX XXXX XXXX exist? Is she licensed? Do these individuals have licenses? Please send their active licenses. 
Please make Wells Fargo Executive Office accountable to the legal document that XXXX " XXXX XXXX '' sent to my address on the letterhead. 

Please advise the Settlement Administator in XXXX MN. of this unwanted activity against me. Please advise XXXX XXXX of this evidence against XXXX XXXX of this unwanted activity. 
Please advise XXXX XXXX XXXX XXXX Case Specialist that this legal document exists and I have not received my XXXX XXXX ordered check settlement Please provide my withdrawl signature, or locate the individual who claims to be a licensed XXXX employee ( XXXX XXXX ) that stated, " I can open something I did not close in the first place. '' Thank you CFPD! 
Attn : Wells Fargo Executive Office. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates (OH)

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (AP)

An initial email sent to me on XXXX XX/XX/XXXX from Credit Control LLC stating I owed a debt of {$2000.00} with an additional amount of {$370.00} of non-interest or fees with a total amount of {$2400.00} I sent a written letter via certified mail to credit control LLC tracking number XXXX on XXXX XX/XX/XXXX, I requested a response within 30 days to verify the debt and I have not received any written response back. In the letter I also requested verification of the addition {$370.00}, what is this charge? 

I have not received any letters from this company verifying the debt.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. 

In accordance with the Fair Credit Reporting Act, I hereby request that you thoroughly investigate and rectify these items from my report. I understand that you are obliged to verify these items with the relevant creditor. Please ensure that any information not verified by the creditor is promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE UNAUTHORIZED INQUIRIES HAVE BEEN HINDERING ME TO ENJOY MY LIFE BECAUSE THEY KEEP SHOWING UP ON MINE EVEN THOUGH THAT THEY'RE NOT MINE.PLEASE CHECK THE DOCUMENTS I'VE SENT TO HOPEFULLY REMOVE AND BLOCK THOSE.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THIS IS NOT A DISPUTE REQUEST. DO NOT SEND ME A COPY OF MY CREDIT REPORT. DO NOT ADD A SECURITY ALERT TO MY CREDIT FILE. 
I called TransUnion on Friday, XX/XX/year>, on or around XXXX pm XXXX. I dialed ( XXXX ) XXXX. Due to XXXX excessive hold times, I requested a call back pursuant to the IVRs instructions. I received an inbound call on or around XXXX pm XXXX. The inbound caller ID was ( XXXX ) XXXX. It was a female agent from XXXX XXXX. At the beginning of her introduction, she asked for my phone number and email address. I declined to give this information. Consumers are not required to provide an email address and phone number in order to file a valid dispute. As soon as I said no, she immediately responded without this information we can not proceed., and she immediately disconnected the call on me. This is unprofessional and inappropriate. This is also known as call-avoidance I seek to hold TransUnion and its employees accountable. Please sanction TransUnion. In addition, this is not a one-time isolated event ; this is a pattern and practice. I will continue to file valid complaints, each and every time this happens.
Consumer complaint received 2024-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writings dispute the accuracy of the information being reported on my credit report related to the XXXX XXXX account with the following details Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off, {$2600.00} written off, {$2400.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$2400.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2500.00} Highest Balance : {$2600.00} Payment History : Continuous charge-offs from XX/XX/XXXX to XX/XX/XXXX On Record Until : XX/XX/XXXX I am challenging the accuracy and completeness of this information for the following reasons : XXXXLack of Proper Notice and Disclosures : Under 15 USC 1637 ( b ), creditors are required to send periodic billing statements, including necessary disclosures, to the account holder. I did not receive any such statements or notifications, including any late payment notices 21 days or less before the payment due date. This failure to comply with federal requirements calls into question the validity of the information being reported. 

XXXXInaccurate Reporting of Payment History : The continuous charge-off status from XX/XX/XXXX to XX/XX/XXXX does not accurately reflect my payment history or any communications made with XXXX. The repeated charge-off notations suggest a lack of updates to the account, which may indicate errors or outdated information being reported. 

XXXX. Balance and Status Inconsistencies : The reported balance of {$2400.00} as of XX/XX/XXXX, along with the previous charge-off of {$2600.00}, suggests discrepancies in how the account is being reported. Additionally, the lack of recent payments and the outdated status update from XX/XX/XXXX further indicate that this account may not be accurately reflecting my financial situation. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and correct or remove the inaccurate information. Please provide me with a complete and detailed report of your investigation, including the documents and records used to verify the accuracy of the account information. If you are unable to verify the accuracy of the information, I request that this account be removed from my credit report. 

Please consider this letter a formal complaint under the Fair Credit Reporting Act ( FCRA ) and acknowledge receipt of this dispute in writing. I expect this matter to be resolved within the statutory time frame allowed under the FCRA.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 2024-02-23
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. (TX)

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year XXXX  limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

So I have a very concerning issue. I purchased my home XX/XX/year>. At the counseling with my realtor I was informed to not run my credit. So the last time I authorized any company or myself to run a credit inquiry on my credit report was XX/XX/year>. But upon looking at all of my credit reports I see, unauthorized credit inquiries from XX/XX/XXXX until present. Again I never authorize any of these credit inquiries and I would like to remove from my credit report. Now my credit report poor. Which I thought I was doing a good job but not applying for credit, but some kind of way credit increase have been authorized. Again, all of these credit inquiries from XX/XX/XXXX until present or unauthorized.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I received a new Lowe 's credit card in the mail. When I received my first statement with the new card, it included a {$1.00} fee for a paper statement. 
I called the number on the statement XX/XX/year> and requested that they remove the fee and move me to a paperless invoice. They agreed to do it. 
My complaint is that they sent these new cards to everyone, added this fee and did not make it clear that one could opt out of continuing to receive paper ballots, rather than pay this fee. I caught it, but how many others did not?

I prefer not to receive paperless invoices because : 1 ) I receive too many emails and fear I won't see the invoice and will accrue additional fees and interest 2 ) I will be inundated with unwanted advertising.