davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (TX)

I am writing to file a complaint against Credit Control Corporation for multiple violations of consumer rights, as outlined in the Consumer Financial Protection Bureaus regulations and the Fair Debt Collection Practices Act ( FDCPA ).

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The Collection Agency has failed to provide validation information as required by law, yet they have placed a collection on my consumer report. This violates my rights under the Consumer Financial Protection Bureaus regulations.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given an opportunity to dispute the account with the Collection Agency, as mandated by the Consumer Financial Protection Bureaus regulations.

3. Violation of 15 USC 1692E : The Collection Agency has engaged in false, misleading, and deceptive practices, violating my consumer rights under the Fair Debt Collection Practices Act.

4. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : The Collection Agency has furnished the account to consumer reporting agencies without providing the required disclosures, thereby violating my rights under the Consumer Financial Protection Bureaus regulations and the Fair Credit Reporting Act.

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the Collection Agency for its violations of consumer rights. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (GA)

I never had a contract with this debt collector for any debt. I asked them to Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account and I havent received anything from them and when I call I get a rude rep who isnt willing to help me resolve the issue.
Consumer complaint received 2022-12-26
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. (OR)

Under 15 usc 1666b ( Timing of payments ) this is a billing error for I was never late this is an error and that makes this account in violation, Also Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are to be excluded from a consumer report.
Consumer complaint received 2024-04-12
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. (MO)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
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: Rogers, Morris & Ziegler, LLP (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MA)

I had dropped my wallet somewhere not knowing at first thinking it was in the house or something so logged into my banking app so check my purchases to see what store i couldve dropped it if it did happen to fall out of my pocket. Nothing was done on that day just the day before but online so I tried looking in my house and everything couldnt find it. Needed to get gas so I has my other debit card in the house so I log in my wells fagro to zelle my other account and see 2 different XXXX XXXX  transactions a few minutes apart one for {$26.00} then another one for over {$500.00} immediately mark my card as stolen and processed to call wells fargo. Got a new card and files a dispute told me it would take 10 days to get an update. Not even 24 hours later they updated me saying no error occurred which literally makes no freaking sense how can you conduct an investigation, get video footage and speak with store workers to see who made the charge or if anything suspicious happened during purchase in less than 15 hours. Tell me how? This bank is a joke and they do this everyone they dont investigate anything & they need to be investigated by the FEDs for the practices. Mind you they don't ask any relevant questions just do you have your card and when you noticed it stolen. This wasnt a fraud investigation if anything what they just pulled was fraud. I called after XXXX XXXX was closed so meaning they literally wouldve had to get all documents and everything from XXXX XXXX within 8 hours. I called XXXX XXXX customer service to ask how long it could take for them to get all relevant information for disputes they told me it takes weeks to get everything handled as the store managers have limited access to the back office of transaction. Wells fargo is a joke and doesnt do anything to Protect customers. No text messages for fraud potential no actual investigation this place is a joke.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Date : XX/XX/2023 Discrepancy : Transunion refuses to remove inaccurate Inquiries. 
Actions Taken : Called Transunion @ XXXX ( XXXX ) XXXX I reviewed my credit report and saw inaccurate information listed. I contacted Transunion at the number listed above and spoke with XXXX via Text Message. I told him I had 4 inquiries that were not authorized. He refused to remove inaccurate reports from my credit file and he gave me false information. That I could only remove inquiries if I get a letter from said company to dispute those inquiries on my behalf. This information he gave me is incorrect according to the Fair Credit Reporting Act. I don't need to track down an unknown third party to get incorrect items removed from my credit file. This would complete defeat the purpose of any disputing policies.
Consumer complaint received 2023-08-25
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. (GA)

I am a victim of identity theft. I filed the correct paperwork per the FCRA and sent it with my dispute to the credit agencies to remove the accounts. They did not attach the paperwork properly and did not follow the law. And I was not given copies of the verification process like the FCRA says Im supposed to get.
Consumer complaint received 2024-01-17
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. (TX)

On XX/XX/XXXX I contacted XXXX XXXX XXXX informed them Im a victim of identity theft and the account they are trying to collect is indeed fraud supplied a police report Theft affidavit And official FTC report my Attorney is now pursuing legal action against the creditor and credit agencies as of XXXX  For reporting fictitious allegations and fraudulent debt Also I have informed Transuion XXXX and supplied the information as well this has caused me emotional distress and now Im seeking to recover from this situation with legal action
Consumer complaint received 2024-04-12
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-14
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. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-12
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)

About XXXX  months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of XXXX XXXX, I'm still in that process and have not been able to secure this loan.

The reason my loan is taking so long is because I have two XXXX  day lates on my credit from a XXXX XXXX credit card that I've had in my name for over XXXX  years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time.

Over the last XXXX  months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably XXXX  to XXXX  times and repeatedly was assured they would correct the XXXX-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take XXXX  days. I've waited XXXX  for that to happen and still nothing has been fixed.

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail.

I'm simply trying to get these two incorrect XXXX-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

All started with a text / email I received from from chase bank stating that they needed some information regarding m account for my protection that my bank could be closed soon. Upon receiving this message I immediately called chase and spoke to customer service regarding my account and was informed for reasons they will not share that my accounts were already marked for closer minutes after I was informed. With not allowing me any time to take funds out or any reason on why it has now caused a huge problem in my life with bills and no funds to even put gas in my car to work or get food. While not getting anywhere with the person ( XXXX ) on the phone I decided to head straight to the bank and talk to the branch XXXX in hopes to understand the severity of the situation and release funds that are meant to settle bills and provide food. XXXX informed me he has no information that he knows for why my accounts were restricted and set for closer. Asking for written documentation from him as bank XXXX to have proof of situation and that I was closed without reason causing issues now far worse than just closing the account. Took down names, phone numbers, addresses of where i was and who to speak to regarding this matter and not XXXX person knows why. Only information that was provided was that I would receive a check of all funds in the account ( XXXX ) in question after the account was closed. So I would have to wait 10 days for the account ( XXXX ) to close then they would send out a check and had informed me that check would arrive another XXXX business days after being sent out. So not only can i do anything of the matter to get my funds I would in the sense be completely broke for XXXX weeks if not longer due to business days and holidays all for reasons not being released to me as the only account holder and rightful person ( XXXX ) to the available funds. So this is completely unfair and what other people have said to me is illegal to hold funds available. Specially without reason or cause. So now Im faced with hardship and struggle to pay bills and eat because of something so unfair and messed up. Something has to change or at least work with the reasoning to the account holder ( XXXX ) to figure out a solution based on reason. Not for no reason or communication between the XXXX parties.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

I paid my account in full and requested that Discover immediately report the matter. The company has failed to do so and I have made the payment via XXXX XXXX from XXXX. They are not performing the request and have continued to harm me. This is the dispute in regards to Discover not closing the account. Payment was made to close it and yet keeping me hostage.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Ive been in school at XXXX University for sometime now and Ive accrued about 20 different loans from this school with XXXX XXXX XXXX. I was out of school for some time due to hardships where I lost my job and was unable to make the monthly payments of {$500.00} per month to continue to attend school. While I was out my 20 loans all reported something negative on my credit report ranging from the months of XXXX-XX/XX/XXXX. I spoke with Nelnet and advised them of my hardship and asking as a Goodwill will they remove the late payments attached to my credit reports. I am currently back in school and on track to graduate in XX/XX/XXXX. The student loans have negatively impacted my credit reports. Please help.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.
Consumer complaint received 2023-06-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have spoken to XXXX customer representatives multiple times throughout the year XXXX  after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to XXXX. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Consumer complaint received 2024-01-16
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. (GA)

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. 

has violated my rights. Or a list of inquiries : 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.