davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2023-03-31
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. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-01
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: Experian Information Solutions Inc. (FL)

Unacknowledged Dispute Request - Urgent Attention Required I XXXX XXXX am writing to express my frustration with your bureau 's failure to acknowledge my dispute request, which violates the Fair Credit Reporting Act ( FCRA ) guidelines. Please be advised per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have 4 days to respond or remedy the said information listed below. I have also sent out the dispute request electronically as well as certified to all establishments in question. 

It has been well beyond the legally mandated timeframe, and I have not received any acknowledgment from your bureau. Moreover, I find it deeply concerning that only some information was acknowledged, while other crucial details were overlooked or ignored. 

This marks my third attempt at reaching a resolution, highlighting the repeated challenges I have encountered in seeking fair treatment. It appears that your bureau may have selectively chosen what information to acknowledge on the dispute request. This raises significant concerns about the impartiality and thoroughness of your investigation process. 

I demand immediate acknowledgment of my dispute and a thorough, unbiased investigation of all disputed information. Please respond promptly to avoid further legal action. 


Please see attachments below. 

Thank you for you swift cooperation in this matter.
Consumer complaint received 2023-04-06
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account
Consumer complaint received 2023-03-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy case number XXXX XXXX  XXXX Bankruptcy case number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, XXXX XXXX problems in my marriage, and paying higher interest rates for insurance, etc. According to to the Rochester District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING
Consumer complaint received 2023-03-31
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: DISCOVER BANK (AL)

I have contacted Discover card multiple times regarding an account that they are reporting on my credit report. I let them know that the account does not belong to me in several conversations. I have sent in requests to Discover asking for verification of the accounts per FCRA laws. They sent me a bunch of statements claiming to be mine. I have contacted the credit bureaus on this matter and they continue to say that Discover has verified the account to be mine. I was a victim of identity theft and I provided Discover with the police report I had filed several years ago on this. They are still refusing to remove the fraudulent accounts from my credit report. I am requesting that the account be removed immediately. Discover continues to update my credit report monthly which is against FCRA and increases the amount of time that this will stay on my report. This account needs to be removed. Please see a copy of my credit report.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank under the XXXX umbrella I recently reurned to find a bill for {$2000.00} from Synchrony Bank. Not thinking I paid the bill. I then looked up the transaction report and there was nothing showing any charges. After hours of trying to get a live person, I got a lady from XXXX XXXX XXXX Her name was XXXX. She looked up my account and found the same thing, no transaction report, only that I owed {$2000.00}. I told her I was going to put a stop payment on the check with my bank, XXXX XXXXXXXX XXXX, and she agreed I should. In the meantime I received another notice that I owed another {$1800.00}. Again, I checked the transaction report and there was nothing indicating I owed that money. Again, I contacted the bank and got a person named XXXX. She could read some transactions, but I could not read them on my transaction report. She read off what I showed was owing and it did not total the {$1800.00}. She said she would send me the transaction report she had by US Mail, and I could not access as of that date, XX/XX/2023. Since then in accessing my account they have added charges for delinquent payment, a stop check charge for the {$2000.00} that I had to stop because of not knowing what I owed for, and interest charges that do not make any sense. Prior to this recent trip to Kentucky I had not used the card since XXXX and had paid in full all charges. As of today, XX/XX/XXXX, I still can not access my transaction report but they are telling me I am delinquent and owe additional money. I know this sounds bizarre but I have copies of all of this if you need them.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank of America NA, My claim, {$6000.00} was reopened up after submitted an additional information on XXXX/XXXX/2023 XXXX/2023 It closes back on XX/XX//2023. This claim is similar to claim # XXXX and claim # XXXX where it was favored to me. It sent out a resolution letter, saying that, they re-evaluated within one business day, usually it takes up 10 business day. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I have an ongoing dispute with Wells Fargo for fraud. In XX/XX/XXXX my card ending in XXXX was used to make fraudulent purchases at XXXX XXXX and XXXX XXXX XXXX. Wells Fargo continues to state the charges are valid and they are not. Yes I have had fraud on my Wells Fargo credit card in the past. The only fraud that was investigated thoroughly was made at XXXX and XXXX in XXXX. The police did a thorough investigation of this charge which is attached. It indicates surveillance from the store showed a XXXXXXXX XXXX using my card at the register. Then again in XX/XX/XXXX I had 2 fraud charges to XXXX  by XXXX XXXX for XXXX and XXXX. I have alerts set up on my account for any charge greater than {$100.00} and received an alter for these transactions. I contacted Wells Fargo and I believe they declined the charges but am not certain. 

Wells Fargo is in essence attempting to accuse me of making charges and reporting them as fraud and filing false police reports which is against the law. They harass me when I call and say things like 'you have too many fraud charges '. 

All I can say to that is yes I have had fraud on my Wells Fargo account. I've asked them to send me video survellaince from XXXX and XXXX XXXX  to prove that it was me that made the charges. They claim they can not do that. Most police departments don't seem to take fraud seriously. I was fortunate that the XXXX XXXX  did a thorough investigation of the XXXX XXXX  XXXX fraud charges. 

Wells Fargo is harassing me claiming I made the XXXX and XXXX XXXX charges. I nor anyone in my household or anyone known to me made these charges.I. can't even drive so I could not have made the charges and even went to the extent of providing HIPPA protected medical records to show the vision issues Please get them to stop.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

Today, XX/XX/XXXX, I went to a bank branch with a problem regarding my balance. since it was negative, I realized that my last transaction was a fraud ( I was cheated ). I received a check for the purchase of equipment in the amount of XXXX us dollars, which I was asked to transfer to a vendor to purchase a laptop for work. With this problem, I came to ask the bank officer to cancel the last transaction, but I was immediately refused without giving any explanation. I was told that my account was blocked and I would receive all the rest of the information by mail within 60 days, and sent out of the bank. the bank account is closed and I called at XXXXXXXX XXXX in the technical support of the bank- and they said that they can not help. now all my accounts are blocked, I don't have access to my cards and my money. I also applied to reportfraud.ftc.gov Report Number XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had a bankruptcy on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account US BANKRUPTCY XXXX Please investigate and provide Proof OF BANKRUPTCY. If proof can't be provided I demand this bankruptcy be removed.
Consumer complaint received 2023-04-06
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

XX/XX/2021 XXXX XXXX XXXX XXXX closed my account and turned account over to a law firm for collection in XX/XX/2021. I have been dealing with this law firm regarding this debt which XXXX XXXX XXXX XXXX now does not own. Under the FCRA two establishments can not collect for the same debt. A major violation of the FCRA. I have disputed this account with the three major credit agencies and did not get the results or relief sorted. I am now at the mercy of the CFPB to hold not only the agencies to the law of FCRA but XXXX XXXX XXXX XXXX to delete or remove this debt from my credit profile since they no longer own this debt.
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Request for Validation of Debt Account XXXX Dear XXXX I am writing to formally request validation of the debt reported by Midland Credit Management , Inc. ( Account Number : XXXX ) as reflected in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debts listed on my credit report. 

Account Details : Creditor : Midland Credit Management , Inc . 
Account Type : Factoring Company Account Original Creditor : XXXX XXXX. 
Balance : {$5100.00} Date Opened : XX/XX/XXXX Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Request for Validation I dispute the validity of this debt for the following reasons : Lack of Detailed Documentation : I have not received adequate documentation proving that I owe this debt or that Midland Credit Management has the authority to collect on behalf of XXXX XXXX. 

Potential Inaccuracy : Given the significant amount, I request detailed statements that validate the original debt, including the payment history and any correspondence regarding this account. 
Request for Action Please provide me with the following : Verification of the debt, including the original signed agreement with XXXX XXXX. 
A detailed account statement showing the balance owed, payment history, and any fees or charges added. 
Documentation confirming Midland Credit Managements right to collect this debt.

Suspension of Reporting As per the FDCPA, I request that you remove any reporting of this account until you have provided the requested validation. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (FL)

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 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 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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.  The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.