davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (AR)

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 : Home Loan XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 2023-11-07
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. (TX)

Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with TransUnion, XXXX, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGE OFF ACCOUNT WITH A BALANCE DUE. PLEASE PROVIDE PROOF OF THE CHARGE OFF AND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THIS ACCOUNT. XXXX XXXX  NEED TO BE REMOVED ASAP! Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form XXXX to the IRS and the borrower. When requesting information on this account I have NOT received XXXX XXXX XXXX from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have constantly month after month to provide me the original contract with signature, a copy of payment history, and proof of debt authorization this debt isn't validate I have yet to receive all of this information.
Consumer complaint received 2024-04-26
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX date opened XXXX XXXX / XXXX XXXX {$1100.00} account number XXXX had violated my rights 15 u.s.c 1681 section 1602A states I have the rights to privacy 15 u.s.c 1681 section 604 a section2 it also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2023-10-28
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information from in my file. The items I need deleted are listed in the credit report. I am a victim of Identity Theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I h also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based On, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Fraudulent Collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$560.00} Fraudulent Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$5100.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MN)

XX/XX/2021 precisely, I got alert from American Express credit card that I made purchased of American Express gift card of about {$34000.00}. Immediately, I called American Express to cancel the transaction that I wasn't the one making that transaction of huge amount. Thereafter, they credited part of the money and balanced {$14000.00}. I have called them several time to credit the balanced, but they are adamant to do so. The said amount is hurting my credit. Please, I want this amount credited to my card and remove from my credit report. 
I am looking forward to hearing from you soonest. 

Sincerely XXXX, XXXX XXXX.
Consumer complaint received 2023-04-07
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)

Yesterday, I printed the attached most recent data from XXXX for my XXXX XXXX XXXX  ( XXXX  ) account which continues to inaccurately report my XXXX  account as Closed XX/XX/XXXX. My account was Voluntarily Closed on XX/XX/XXXX and reported as Closed monthly to every CRA for at least 6 months when XXXX  maliciously retaliated against me by reporting my account as OPEN during about XX/XX/XXXX to every CRA. I have been trying unsuccessfully to get XXXX  and every CRA to report the accurate data and my Experian report to this date continues to report my account as OPEN. For XXXX, XXXX  has still failed to report my account as Closed on XX/XX/XXXX despite multiple simple direct and indirect complaints to XXXX  and every CRA. Every week, XXXX  falsely and wrongfully changes my account for every CRA by deleting closed status, dispute status entered by every CRA and replacing it with something else. Moreover, XXXX, XXXX and every CRA know my account is disputed but they have willfully failed to report my XXXX  account as disputed as required by the FCRA. I demand that my XXXX  account be reported as Disputed by consumer, regardless of any other opinion. I voluntarily CLOSED myXXXX XXXX  XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account change weekly and remain inaccurately reported as Closed on XX/XX/XXXX??? The dispute process of a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? If corrected, XXXX  will certainly change it again. Delete my account permanently!!!
Consumer complaint received 2023-04-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage Acct # XXXX -I purchased the property in XXXX, keeping up with my payments even with the economic crash in XXXX which valued my home less than what I paid, and my severe reduction in income -Wells Fargo was handed cash by Federal Government to help homeowners affected by the recession, so I called on mortgage to try to refinance my loan at a lower rate since I was a 6 % - starting the process in XXXX -When I called, I was told by customer service that the only way to qualify for any assistance, I had to be in default in payments -When I did default, they had me apply for their Home Preservation Program -They proceeded to deny my application -They profited from my default fees and late charges -Later when tried to refi again, my credit score was ruined, and they denied my application -I was forced to sell my home after 11 1/2 years, since the 10-year interest only reverted to a conventional loan and the payment increased -I called Wells Fargo to be included their Fair Fund Claim -I still have not received an answer from them
Consumer complaint received 2023-09-21
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)

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. 

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 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was in Walmart to make a purchase on XX/XX/23. I got into argument with cashier and I walked out without my groceries. I was still charged for said groceries. I filed charge dispute the same day with capital one. Capital one bank made a decision XX/XX/23 to deny my dispute and notified me to contact vendor, walmart. So I went to walmart XX/XX/23 to get video footage of myself walking out without groceries. Walmart told me on XX/XX/23 that is was impossible to replay footage from XX/XX/23 because that was too far in the past so I feel that is capital one is at fault they failed to resolve my dispute in a timely manner leaving me without recourse
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been a victim of identity theft while I was XXXX with XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.
Consumer complaint received 2024-05-11
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. (OH)

In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I was in contact with Navy Federal initially on XX/XX/XXXX after noticing that my tax refund would be deposited in my checking account which was closed in XXXX of the previous year, XXXX. I was told by a Navy Federal rep that the account was closed and the funds would be rejected and sent back to the IRS. However, the funds were deposited or forced into my savings account which was still open with a balance of XXXX  XXXXThe deposit amount was {$3800.00}. The funds were immediately disbursed among my charged off accounts that I had with the bank. Navy Federal was made aware prior of my intent to file bankruptcy due my XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who lived for XXXX  months and eventually passed. In addition to going through a divorce. This caused me to have to walk away from my employer of 13 years and I could no longer keep up with my monthly unsecured obligations. I retained an attorney and provided Navy 's information. Upon, contacting Navy with efforts to refund the money to me or the depositing institution ( IRS ), I was denied on many levels. I expressed to many representatives of my dire need of the funds to be able to keep my home in addition to paying some utilities. I finally spoke to a supervisor in the Charge of department. He stated that he can use the funds to settle my accounts and he could refund about {$400.00}, which I was a little hesitant because of the 1099C consequence and I already have an attorney for bankruptcy. I told him will return call. I waited about two weeks trying to search different avenues for the recovery of funds. In this wait I contacted Navy several times to ask questions and also provide me with documentation to reflect my account being closed to have proof that the funds should have been rejected and returned to me. They have refused. So after feeling helpless and desperate, I decided to take them up on the offer to settle. I was told that I would have my checking account reopened after settling my accounts, checking account have a {$0.00} balance and I get up arrangements for the other accounts. My checking account was reopened immediately. I get a call the next day from the same rep stating that they have decided to close my account. I was transferred to a supervisor who said it was done in error and she was in agreement that I did everything necessary to open the account. She reactivated my debit card and told me everything was okay. The very next day, I opened the app only to see the there was longer a checking account. was told that the back office made a decision to close my account. I express how unfair the whole process has been and acknowledged that I owe the bank but they are not holding their part of the deal. I feel as though I was mislead on several occasions from the onset of noticing the funds will be deposited into a closed account.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I agreed to settle this account with the promise of removal of this account on my credit reports. The settlement was agreed upon, however they VIOLATED the terms of the agreement by reporting this to ALL OF CREDIT BUREAUS WHICH HAS RUINED MY CHANCES FOR EMPLOYMENT, HOUSING AND A NEW VEHICLE IN WHICH THEY NEED TO PROVIDE SINCE THEY XXXX UP ROYALLY!!!
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Good day! I am presenting this complaint to you as the assurance that the Credit Bureaus will REMOVE these accounts listed in this complaint that were reporting in my XXXX and Equifax XXXX XXXX. I am just following up for my previous complaint. I am kindly asking the XXXX and Equifax Credit Bureaus to please remove these remaining listed accounts from my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX IXX/XX/XXXXAccount : XXXX XXXX XXXX XXXX Account : XXXX XX/XX/XXXXXXXX Account : XXXX XXXX Account : XXXX CXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXXAccount : XXXXXX/XX/XXXXAccount : XXXXXX/XX/XXXXAccount : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXX/XX/XXXX 
Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXXAccount : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right XXXX privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXX/XX/XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records XX/XX/XXXX which antedates the report more than XXXX years. XXXX XXXX XXXXXX/XX/XXXX A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, XXXX, XXXX and any other furnishes of my personal credit.