davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

I have sent documents in XXXX of XXXX to the debt collector XXXX, XXXX, XXXX and XXXX XXXX. Stating this debt does not belong to me. I have also requested several times to update all my contact information with all XXXX  bureaus. It still shows on my credit report as a closed account, this hurting my score. The fact that the balance increases. I do not owe anything to Wakefield & Associates nor do I recall visiting any hospital as the date shown on my credit report with Wakefield Associates nor have I ever done any business with their company past or present. I have requested that this information is to be removed and deleted as soon as possible. This is in violation of my rights according to the fair credit reporting act. someone is not marking the dispute information properly As far as XXXX is concerned they refuse to update any personal information on my credit report, names addresses phone numbers. With them being noncompliant I was force to place a fraud alert and security freeze on my credit report. 

I also filed bankruptcy in XXXX, I ask all XXXX agencies XXXX, XXXX, XXXX, XXXX XXXX and XXXX how was this information received and how was this information placed on my credit profile with written or verbal consent. 
I sent a letter to bankruptcy court as they responded by stating that they do not report to credit bureau. I have contact XXXX XXXX and XXXX requesting to which both company stating they do not report to any of the bureau. XXXX XXXX claims they have not provided my personal information to any of the XXXX bureaus. I was never ask nor Have I never given my consent verbally or written to place bankruptcy on my credit report. I'm well aware that this is public information, I never consented to place public information on my private credit report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 

I also open a credit card with XXXX  XXXX back in XXXX of XXXX the credit card was closed in XXXX of XXXX. I requested a paid in full letter as well as a removal remark letter from my credit report since the balance as been paid in full. Instead I receive something stating this will remain on my credit report until XXXX. I request that information must be deleted immediately. 

Inquires- I purchased a vehicle on Saturday XX/XX/XXXX of XXXX without a pre-approval letter. In XX/XX/XXXX all inquires should have been removed from my credit report they remain. It would be dishonorable of to say these things are taking place to my demographics. 

I request that all information is updated with completeness and accuracy. If request can not be met I will be force to seek legal actions according to the violations that I have experienced.
Consumer complaint received 2024-06-08
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. (FL)

When I investigated my credit report, I realized some information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information without producing proof within the legal time range is unacceptable. 
XXXX XXXX XXXX  Balance Owed : {$2900.00}
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-08
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. (PA)

According to FCRA 605B, we are required to delete any incorrect accounts from my credit report. Could you please verify the documents? Some accounts have inaccuracies in their reporting, amounts, and dates.
Consumer complaint received 2023-08-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MS)

Complaint against DISCOVER BANK In XXXX of XXXX, I enrolled in a debt resolution company called XXXX XXXX. They enrolled XXXX of my creditors ( XXXX of whom was DISCOVER BANK ) into their program to negotiate my debt down so that I could afford to make payments. XXXX XXXX uses a special purpose account that is created for their clients to pay off their clients creditors. The clients of XXXX XXXX pay a bi-weekly fixed rate into this account. During the year of XXXX, it appeared that XXXX XXXX tried to contact DISCOVER BANK, but did not have success. I am unable to give exact dates as I do not have access to the actual contact attempts between XXXX XXXX and DISCOVER BANK according to a XXXX XXXX Employee. In XXXX of XXXX, DISCOVER BANK served me papers for the debt I owed that was enrolled with Beyond Finance ( {$6000.00} ). I kept Beyond Finance up-to-date with legal documents and proceedings, filed my answer with the court, but DISCOVER BANK still wouldnt work with XXXX XXXX. I went to the court hearing on XX/XX/XXXX to meet with DISCOVER BANKs attorney in front of the judge. As I did not have the {$6000.00} to pay, the attorney offered me a negotiated amount of {$4000.00} to pay DISCOVER BANK, and that we would tell the judge that she and I came to an agreement on our own terms and to proceed with the judgment. When we agreed to our terms I explained that the {$4000.00} would come from my XXXX XXXX special purpose account since DISCOVER BANK is enrolled as XXXX of my accounts. This conversation and the paperwork I signed with XXXX XXXX, attorney for DISCOVER BANK with XXXX XXXX  XXXX out of XXXX, Alabama all took place in the XXXX County Courthouse in XXXX XXXX, Mississippi on the XXXX of XXXX, XXXX. On XX/XX/XXXX, XXXX XXXX  contacted me with a resolution offer from DISCOVER BANK for $ XXXX not the {$4000.00} their attorney and I agreed on. DISCOVER BANK has refused negotiations for months with XXXX XXXX and is now behaving as if they never took me to court. They demanded their {$5900.00} by next XXXX ( 11 months from now ), which is resulting in my biweekly payments with XXXX XXXX going from $ XXXX/2 weeks to $ XXXX2 weeks- or $ XXXX {$1600.00} a month. DISCOVER BANK completely went bank on legal papers drawn up by their own attorney. They harassed me over a course of 5 months ( XXXX XXXX ), causing me to physically lose weight and have physical illnesses- they were requiring me to resubmit XXXX form XXXX separate times because they didnt like how I signed it even though my full social security number and address were on every single form, and every form was signed with my legal name. As a result of this predatory behavior I have been experiencing these last few months, I feel it is more than reasonable to file a complaint against DISCOVER BANK for their harassment of a customer who has ACTIVELY been trying to pay their debt despite constant opposition from DISCOVER BANK themselves.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been calling and using my computer to get in touch with BOTH XXXX and Equifax. 
NO human and website for XXXX is a disaster. CAN NOT get any information about a complaint. 
Can not get Equifax on the phone about a dispute. 
Both companies reports have been effecting my credit report adversely, I need to fix this ASAP. 
I was able to get thru to XXXX  - they are not a problem at the moment.
Consumer complaint received 2022-11-28
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-03
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. (CA)

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Consumer complaint received 2023-09-04
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. (NJ)

It has been drawn out into the open that you are not hindering itemswhen I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX  is a CLOSED ACCOUNT. This account was part of my 2019 Bankruptcy. LEGALLY they can not report an account that has been discharged in bankruptcy as open and active. It is your responsibility as the credit reporting agency to report accurately. So please do so.
Consumer complaint received 2023-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (GA)

The debt is from XXXX with the credit card company called XXXX XXXX. The credit card was to help with the medical assistance for my pet. When the pet passed away, I answered the phone and told them what happened and that I was also unemployed and could not make any payments at that time. I am still unemployed as of XX/XX/XXXX. They attempted to continue to contact me from XX/XX/XXXX to XX/XX/XXXX every single day. They did so from multiple different phone numbers as well but always left a voicemail. Then the began again on XX/XX/XXXX all the way up to XX/XX/XXXX multiple times a week ( within a 7 day period ) always leaving voicemails and calling from different phone numbers. After this, they continued to mail letters to my home. I attempted to contact them back via mail as of XX/XX/XXXX to settle the debt in some sort of way, but was refused a response. They just mailed me the same exact form again asking if I'd like to pay in full or dispute the debt. I have other creditors coming after me for the debt that I owe them while unemployed and do not want to take this to court. I have shown atleast once to twice a year that my circumstances have not changed and continue to stand the same as of XXXX when the original credit was taken out.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Wells Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. In my most recent complaint I provided more evidence where the money went and they did not specifically address that evidence. They need to provide more details other than it is the customers fault and nothing can be done. Thank you very much! XXXX XXXX
Consumer complaint received 2024-07-04
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XXXX XXXX,2017 XXXX XXXX, 2017 XXXX XXXX,2017 XXXX XXXX, 2017 i have sent several disputes with transunion to no avail have they showed me proof of verification of this debt. The only proof sent was it was verified thru lexis. They are not showing proof of how they verified it. They are not showing verifable proof.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I am a XXXX  member since XXXX, I have excellent credit, I was offered a pre-approval by Syncrony aka Amazon, they pre-approved me, asked me to call, I spoke with CSR and he asked me to verify my identity, no worries... I have my passport here, nope we need your driver license. I told them I am a dual citizen and use my XXXX ID but I have voters, bank statements, 8 high value credit cards ie XXXX, XXXX, XXXX XXXX, etc... and all top tier cards. I asked if the credit was a hard pull yet, no no, but sir since you are traveling we can go ahead and approve this and you will simply get the card and by getting the card physical at your address there won't be a need for the ID because it will prove by you getting it and activating with us... ok fine. Congratulations blah blah... I knew I would be approved but then Amazon made it my default payment without my knowledge and it tried to charge to the card and their fraud department locked the card on my own Amazon account and then did the same with the ID... and to mail it in, and all kinds of things I did not agree to. 

I was offered the card to simply wait to activate which was fine, now I have a hard pull on my credit and a USELESS card. I don't NEED Syncrony, they won't like me anyway because I don't have debt, I pay off immediately and never carry balances hence my average XXXX XXXX is about XXXX on average. 

I want this published to warn others of their lie that I agreed to and got the hard pull knowing I'd be good when the card came bit it was opposite.