davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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)

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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, TRANSUNION, AND XXXX FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF 2023, I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY XXXX  DAYS LATE AND NOT THIRTY DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXXXXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/2023 WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Consumer complaint received 2023-12-01
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. (CO)

XXXX XXXX XXXX never provided a resolution or goodwill. 
My credit report is still affected as well as my Insurance Score. 
This adverse action has reduced my insurance score which is impacting a higher insurance rate. 
The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. 
This bank reported to the credit agencys twice in error. 
The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX, XXXX XXXX FLORIDA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, LAXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LAXXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX Balance {$22000.00} XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I've contacted Equifax multiple times to request the removal of an incorrect address and the update of my name on my credit profile. Despite speaking with representatives who assured me these changes would be made, they still haven't been addressed. These inaccuracies are negatively impacting my credit and need to be rectified immediately. See highlighted items that need to be removed.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

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. Thank you.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to file this complaint because on XX/XX/year>, I mailed a notice of dispute to XXXX in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of XXXX days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).
Consumer complaint received 2023-11-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (TX)

This is in regards to a missing direct deposit from my employer that was sent on XX/XX/XXXX in the amount of {$4700.00}. 
This direct deposit was never credited to my account. Furthermore, it was not rejected and returned to my employer. 
I have used the same routing number and account number since I opened the card in XXXX of XXXX. This can be verified by looking at my past direct deposits that I have received every two weeks from the same employer with no issues. 
After speaking with multiple representatives it has been determined that the routing number I have always used belongs to XXXX XXXX XXXX  When my account was first opened the prepaid card from netspend was issued through XXXX, which then became XXXX XXXX. At some point XXXX took over and they changed the routing number and modified the account number without my knowledge. 
My paychecks still came on time every two weeks with out delay with the old information. Again this can be confirmed by looking at my previous deposits. 
Unfortunately on Thursday XX/XX/XXXX my direct deposit never arrived. I have been told by my payroll department that it was sent and received without rejection. They have provided me with the trace number for this transaction, which is XXXX, however Netspend still claims they never received it. They also refuse to allow me to speak to a supervisor, always saying none are available. I need my paycheck either credited to my account or sent back to my employer. At this point theyve basically stolen {$4700.00}.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've tried contacting XXXX XXXX XXXX about a charged off in the amount of {$4800.00} multiple times through dispute letters and personally calling them. The letters came back verified and when i call them to tell them that the account is not mines they just told me that the name and ssn matches, but when i asked them if the emails, addresses and phone numbers matched mines, they asked me to confirm mines and when i did they said that the info on file did not match, And they still refused to remove the account. Ive also reached out to Equifax and they kept telling me to refer to XXXX XXXX XXXXlso see attachments below
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NY)

This is not my account, I have submitted a Identity Theft dispute with the Federal Trade Commission in regards to this matter and I would all information that is being reported on this account be immediately deleted. 
The account opened on XX/XX/2023 it is now closed but still showing a XXXX $ balance. 
The Fair debt collection practices and fair credit reporting act states that the information reported on consumer must be accurate. The account opened XXXX 2023 This is not my account, I would like all information being reported from this ( Credit Collections ) account be deleted immediately, and a written notice of this information being deleted or I will be forced to sue for damages and negligent enablement.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (FL)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On or about XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to the CFPB regarding inaccurate information on my credit report created by XXXX, Equifax, and XXXX regarding the following debt collection accounts which were being inaccurately and innocuously reported : 1 ) XXXX XXXX XXXX XXXX {$4400.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$320.00} To date, Equifax, XXXX XXXX and XXXX continue to recklessly and negligently violate my federally protected rights by refusing to remove and delete these accounts from my credit report AND credit file. Pursuant to 15 USC 1692c, which states that " if a clearly consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication ''. Ceasing ALL COMMUNICATION includes communication with any 3rd parties of which XXXX, Equifax, and XXXX are 3rd parties. Also reporting to the credit reporting agencies is communication. Thus, continuing to report these debt collection accounts are a violation of my federally protected rights.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-04-12
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: CCS Financial Services, Inc. (NC)

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 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo performed a " Web Direct/Debit Payment '' withdrawal from my XXXX XXXX XXXXXXXX checking account that I did not authorize. 

I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. That auto loan has been on an automatic loan payment program since XX/XX/XXXX. 

Every month since XXXX of XXXX, Wells Fargo has performed an " Automatic Loan Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account and apply it to my Wells Fargo Auto XXXX. 

On XX/XX/XXXX, Wells Fargo performed a " Web Direct/Debit Payment '' transaction to withdraw {$510.00} from my XXXX XXXX XXXXXXXX checking account. These types of electronic transactions require customer authorization. I did not authorize such a request. 

On XX/XX/XXXX, Wells Fargo performed the typically scheduled " Automatic Loan Payment '' transaction and withdrew a second {$510.00} from my XXXX XXXX XXXXXXXX checking account. 

On Wednesday, XX/XX/XXXX, I discovered Wells Fargo 's unauthorized withdrawal from my XXXX XXXX XXXXXXXX checking account. 

I contacted Wells Fargo customer service and was asked to email screenshots of my XXXX XXXX XXXX checking account transactions showing that the Wells Fargo withdrawals had cleared. The screenshots were emailed. 

On Thursday, XX/XX/XXXX, a representative named XXXX from Wells Fargo left a voicemail on my wife 's phone asking me to call her regarding the issue. I attempted two callbacks on Thursday. I tried a third callback on Friday at approximately XXXXXXXX XXXX Pacific. 

I reached XXXX and was informed that she would try to look into it, but it would likely not be until Monday XXXX, XX/XX/XXXX, because she only worked for another XXXX minutes. No options were provided for me to speak with another representative working Pacific Time Zone business hours. 

So now, it appears that Wells Fargo will not make any effort to reimburse me for my money. This error on their part placed me in a difficult position as I relied on that {$500.00} to pay other bills. XXXX also told me that Wells Fargo had XXXX business days to decide to give me back my money and would mail it to me because they had no method of electronically transmitting the payment back to my Checking Account. That is hard to believe because they electronically withdrew my money when they first made the mistake.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email.

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
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: Resurgent Capital Services L.P. (TX)

I had requested a Debt Validation procedure for the specified item they have reported on my credit report. Regrettably, these agencies has repeatedly failed, for the fourth time, to furnish the legally required documents that I have requested. These documents include, but are not limited to : 1. The ORIGINAL CREDITOR 2. The ORIGINAL AMOUNT owed ( with the complete payment history, starting with the 3. original creditor. ) 3. ANY and ALL documentation that shows an agreement to pay someone this sum of money.

4. Agreement that gives you the power to collect on this alleged debt in my State of residence.