davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (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 reports. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete.
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: EQUIFAX, INC. (FL)

Equifax having problem for them to take off incorrect information for my credit card I want sign up with them where I can login and dispute I have no problem all of a sudden they disqualified my account plus I tried I spoke to them several times and telling them I'm disputing situation that's on my father did not belong to me address credit card information that belong to somebody else I don't know who belong to and they refuse to move it other company remove it but they refuse they are so hard
Consumer complaint received 2023-08-08
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX 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 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  the following accounts have violated my consumer rights : XXXXDEPT OF EDU # XXXX XXXX XXXXDEPT OF EDU # XXXX 15 U.S.C. 1681 Section 602A : states that I have right to privacy.

15 U.S.C. 1681 Section 604 A Section II : states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-09
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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2019-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I keep getting calls from a company XXXX, saying they represent Capital One from a debt from XXXX15 and said court orders were going to be sent for garnishment. I dont not owe this debt and I see that they may be a SCAM
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2023, I wrote a check for XXXX dollars to a Wells Fargo customer for a completed work project. The check was paid by my bank the next day, XX/XX/XXXX, Monday. Wells Fargo put a hold on the check stating that my signature was incorrect and suggesting to their customer that I cancel the check and reissue it. 

The hold was for XXXX  days ( until XX/XX/XXXX ). For the next ten days, the reps at Wells continued to tell their customer that my signature was wrong and that was the reason for the hold. Each time their customer came back to me asking me to re-write the check, I had to tell him that the check was paid and Wells had my money. 

This resulted in confusion as the Wells customer wanted to believe what his bank was telling him. When he showed the reps at Wells a copy of the canceled check, they took a belligerent tone with him. 

I've complained to the XXXX, FDIC, and NC DOJ. The latter two agencies referred my complaint to the Comptroller in XXXX. All agencies with the exception of the XXXX claimed confidentially issues barred them from addressing my complaint. 

My concern is that non-English speakers ( and possibly others ) are being targeted with excessive check-holding practices, citing false reasons. My understanding is that every bank has a right to hold checks for any number of reasons. My problem is that Wells used me to lie to its customer. If they are doing this to others it is causing a headache for many. The payoff is that they earn pennies to the dollar in interest on every cashed and held check. 

The reps at Wells Fargo will cite confidentiality reasons when they view my complaint. And that is understood. But so far, I'm led to believe the bank will continue this bad practice unless they are held accountable.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (RI)

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want incorrect information to be deleted that does not belong to me.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the IRS an unpaid charge-off is income is income and according to the FCRA, income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. Bank XXXX XXXX, account XXXX, After speaking with XXXX XXXX XXXX XXXX Bank of XXXX XXXX XXXX XX/XX/year>, I was informed that XXXX XXXX XXXXXXXX now owns the account. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form
Consumer complaint received 2023-04-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}. Please update.
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

This is the 3rd complaint that I have filed against Midland Mortgage for their failure to post my payments to my loan. 
Currently I am receiving assistance through the Texas HAF program. My XX/XX/2023, XX/XX/2023, and XX/XX/2023 payments were sent by HAF to Midland Mortgage ; who received those payments on Friday, XX/XX/XXXX. Today is XX/XX/XXXX and my payments have not been posted to my loan. The total amount past due was paid. I am still within my grace period for my XXXX payment and will pay that payment once I receive funds from my student loan on XX/XX/XXXX. There is no excuse for my payments being held by Midland Mortgage. They continue to hold my payments and show a past due status and charge my loan for erroneous late fees. Why are they getting away with this?? They held my payments that were sent in XXXX and held them for almost a full month before posting them. This is against the law and I do not understand why they have not been reprimanded. This is a FHA loan and payments received must be posted immediately. Please help me.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently looked at my Transunion Credit Report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXXXX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have a permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. Department Of Education XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B. 
XXXX. XXXX  XXXX XX/XX/XXXX Delete this hard inquiry because it doesnt have permissible purpose, according to violation of 15 USC 1681 B.
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

On XX/XX/2023, I received a phone call from an unknown number. The caller left the voice mail message below. 

" This message is intended for XXXX XXXX. This is XXXX. I am with XXXX  XXXX for XXXX XXXX XXXX. Calling in regards to a civil complaint that was forwarded to my office for filing against you in XXXX XXXX. The firm that filed against you has informed me that you didn't respond to a 30-day notice mailed to the address on file. If you have any questions regarding this action taken against you, you will need to contact the issuing firm immediately at XXXX. Thank you and you've been notified! '' I received this call two days after I filed a complaint with CFPB against Portfolio Recovery. 

Recently, CFPB released an article in regards to the illegal collection practice, violating a court ordered enforcement for Portfolio Recovery to stop threatening, harassing and conducting illegal collection practices. They have violated the enforcement which forced CFPB to take action. Here is 100 % proof this unethical company believes they are untouchable and does not have to abide by any federal or state law in the manner of which they conduct business. First, they can't validate the debt, Second, they have manipulative, deceptive harassing phone calls made with messages as above. Third, they sue innocent people through deception, unfair and unjust business practices and do not even have the decency to explain themselves. 

I am requesting for CFPB to include this complaint with the action against Porfolio Recovery because this is incredible evidence of so many violations by this business.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX bank Account # XXXX This account has been reporting inaccuracies in my credit report for over 2 years now. I have sent multiple disputes in About it I have contacted the original creditor with no responses & I even disputed it with Experian with no changes that give me an accurate Ctedit report. The account has been charged off in 2021, if the account was charged off that means the debt does not exist any longer. I requested a 1099 they have failed to comply and as a consumer I know I have right to a fair and accurate credit report. Can you please investigate this matter and have Experian follow up with accordance of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-09
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. (NY)

First i want to thank you for taking this time to read my email.I am having a problem with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX My bill XX/XX/2022 did not go trough when it was on auto bill. I reached out the company and they said that the payment try to come out of the bank but it was rejected.They never notified me of the rejection and gave me this late payment.Now i can not get mortgage or loan because of this mark on my credit.The company will not help me with this unfair situation.My lease about to end at me rental house.I am looking to purchase a home for me and my kids.You are my only hope please help me out. 
Thank you so much
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX, XXXX, and Experian are reporting an account and balance that do not belong to me. I have sent a letter requesting deletion several times, but the account still appears on my credit report month after month. I have attached my letter of removal below. Thank you.oval below. Thank you.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/2024 I went to Regions Bank online portal, and scheduled a payment to my Regions Credit Card # XXXX. 

I paid the statement balance in full. 

{$63.00} I scheduled the payment for the due date, which is XX/XX/. 

The payment was to be made from my Regions checking account. 


On XXXX XXXX  I received both a text message and an email advising the following : Our records show that your account ending in XXXX is past due. It is important that you make a payment as soon as possible. 

Alarmed, because I thought I had indeed made a payment, I quickly went on line to the Regions on-line portal, and saw that on todays date, XX/XX/XXXX, that payment for {$63.00} was pending. 
I also saw that a {$25.00} late fee and interest charges of {$.00} had been charged to the account on XX/XX/XXXX. 

I knew something was fishy, because I was sure the payment had been scheduled for the due date, just like every month, the XXXX. 

I immediately started a chat with Regions online representative. This eventually became a supervisor and a supervisors supervisor all telling me the same thing. 

I couldnt believe my ears! 

According to Regions Bank, to have avoided a late fee and interest charges the payment should have been scheduled to have occured on XXXX XXXX. By XXXX. 

Even though I scheduled it for the due date, XX/XX/XXXX, weeks before-according to Regions bankmy account was subject to penalties and interest charges, because the XXXX occured during the weekend. 

The first supervisor tried to tell me that i had made the scheduled payment at XXXX XXXX  on the XXXX. I then said, Thats not accurate, I went on line to schedule the payment, weeks ago!. Besides!! Its still the XXXX that the payment is being made. 


Regions representative then told me how I needed to set up auto-pay to avoid this happening in the future. 

I told Regions rep that I had been doing a manual payment with their bank for decades. 

I HAVE THE TRANSCRIPT OF THE COMMUNICATION THAT I SUFFERED THROUGH, EARLIER TODAY-CONSEQUENTLY, ANY OF MY ASSERTIONS OVER WHAT WAS SAID CAN BE VERIFIED. 

HELP!!!!!!!!!!!!!!!
Consumer complaint received 2023-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (OR)

XX/XX/22 I went to an in-network dermatologist. Two biopsies were taken and sent to a lab. I received a bill for {$1100.00} for that labwork. I wrote two written appeals disputing the lack of coverage from my insurance company ( XXXX ) and had numerous calls often over an hour long with their " advocate team ''. Unfortunately, I don't have those dates. The last thing I remember hearing was the latest appeal would be processed. I never heard back. This was in XXXX of 2022. 

Today, I received a notice fro XXXX ( credit bureau ) that I have an {$1100.00} bill in collections. I never received any notice from my insurance company, the collections agency or the lab ( XXXX XXXX  XXXX XXXX ) that this bill was going to collections after submitting the disputes.
Consumer complaint received 2023-04-29
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. (PA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these pavments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 
Update the account to Paid on time and never late. Or remove it from my consumer report. 


Dear XXXX XXXX : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately.
Consumer complaint received 2023-08-16
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting Act, LexisNexis Risk Solutions Consumer Center, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under XXXX U.S.C XXXX. They have violated it by reporting a bankruptcy on the LexisNexis Consumer Disclosure Report without my written instructions in violation of 15 U.S.C 1681 that states : I have 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 and I never gave LexisNexis and XXXX my written instructions. It also 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 1681s2 ( A ) ( 1 ) states : 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 informmation is inaccurate.

I have contacted LexisNexis through mail and disputed this inaccurate unauthorised information and asked them to delete it but they have refused to and it has been impacting y credit report negatively. The bankruptcy court gave me a letter stating they did not share this information with LexisNexis. So LexisNexis obtained this information without my written authorization.