davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with XXXX that then turned to XXXX and now it is XXXX. It has changed two times and no one will respond to me XXXX. They told me there is nothing they can do about it. I received this response from XXXX when I tried to have them fix it. 

The amounts that are provided by XXXX as money owed and money paid do not match the emails I provided that are from XXXX, proving that the information no matter what is in error yet they have refused to change it. 

" We are unable to assist you directly here at XXXX as we do not have the loan any longer. The loan is now with XXXX Bank XXXX Department. '' When I tried to speak with XXXX they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

My consumer rights have been violated for the last past year I've been disputing an inaccurate account # XXXX XXXX XXXX XXXX. 

Account # XXXX This account has multiple violations however they failed to put in a comment section on my consumer report that it has been disputed. This is a violation of the FCRA. 

Please delete this Account Immediately.
Consumer complaint received 2024-05-14
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 am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-08-25
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Middle Class Tax Refund, Money Network. 

I used the card earlier this year for one or two charge. Afterward, someone had charge my card without me knowing. I called the company, they said they were going to send me a new card. Once I receive the new card, they said they will send me the first check for the balance and the rest of the check once they review the fraud charges. It's been more than two months and I have yet to receive the 1st or 2nd check. I called and they transferred me to escalation department, but it is a long wait and it is not going through.
Consumer complaint received 2024-05-13
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. (VA)

I'm writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ).

My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. It XXXX XXXX XXXX ; s alarming to have to go through these things, and the implications for me are profound.
Consumer complaint received 2023-09-17
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: Credit Karma (CA)

On XX/XX/XXXX I applied for a credit card from XXXX XXXX on the CreditKarmaXXXX website. I have an extremely high credit rating and they suggested that I apply for the credit card with excellent probability of getting accepted. They also advertise on TV and on their website that they guarantee {$50.00} if you get rejected. There are no particular conditions on why you get rejected. The application was one that was designated on the creditkarma website as guaranteed. It was very difficult to contact them but I did get a response and they told me that there was a specific process and I must follow each step closely or I would not get the money. They told me to wait for an email. I did not get an email and more than a month has passed. I now created a second ticket on their website. They responded immediately saying that it normally takes 10 days, but it has been 40 days! I am feeling that they are doing their best not to honor this policy.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I contacted Experian via mail requesting that they research a tremendous error in my credit score reporting. XX/XX/2023 my credit score was XXXX ( reference Experian report XXXX XXXXXXXX ) and as of XX/XX/2023 my credit score dropped to XXXX which is a decrease of almost XXXX points. I have not applied for any new credit, my amount of debit is still the same, there are no late payments or collections. My credit activities have been consistent over the last few years.

I'm requesting research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately.
Consumer complaint received 2024-05-14
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. (FL)

A certified letter was sent to XXXX XXXX  who issued a credit card in my name to an unknown address : XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX. Apparently, the credit card was used and not paid. XXXX XXXX  reported this delinquency to the agency under my name. I never lived in XXXX. The Credit Reporting Agencies used this report to negatively affect my XXXX score.
Consumer complaint received 2024-03-01
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. (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 U.S.C 1681 XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-19
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: U.S. BANCORP (MD)

I have sent out an opt notice that I have attached to U.S. Bank per 16 CFR 313.7. U.S Bank disclosed my personal information to nonaffiliated third parties including XXXX, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent U.S Bank a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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 2024-01-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

" I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX concerning Columbia Debt Recovery, file number XXXX. The complaint pertains to a debt that Columbia Debt Recovery LLC, doing business as Genesis and located in XXXXXXXX XXXX, was attempting to collect, despite it being a debt I do not owe. I provided documentation in the complaint to substantiate that the debt had been paid. 
In response to the complaint, Columbia Debt Recovery stated, 'We are verifying this information with our client. ' After waiting for 30 days without receiving written confirmation from Columbia Debt Recovery LLC, I sent a letter to XXXX XXXX, the president of Columbia Debt Recovery LLC, dba Genesis, located in XXXXXXXX XXXX, requesting validation of the debt. The proof of delivery for this letter is attached to this complaint. 
As of today, I have not received any communication from Columbia Debt Recovery XXXX, XXXX Genesis, located in XXXXXXXX XXXX regarding the status of this debt. ''
Consumer complaint received 2024-05-13
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. (MI)

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Consumer complaint received 2023-12-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (VA)

I settled this in a CFPB complaint ( XXXX ) earlier this year ( XX/XX/2023 ). 

All 3 bureaus removed the incorrect debt in XX/XX/2023. XXXXXXXX added it back within a month ( XX/XX/2023 ) because the credit holder filed under another debt collection agency. When I called the debt collection agency to let them know this had been settled already through a CFPB complaint AND cease and desist letter they said they couldn't have the conversation with me without providing the information needed to verify my identity. CONVIENTLY the information needed ( my address ) is the same information I know the credit holder has incorrect. I know it's incorrect because I haven't received anything in the mail before it hit my credit report again in late 2023. Even on this website, it's asking me to confirm my social security number or the account number. WHY would I give my social security number to a company that would never have my social security number in the first place? I don't have an account number because I never received anything in the mail before this was added back to my record. These tactics are unlawful and irresponsible. How is this getting added to my credit report without this information in the first place?
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

I signed up for a credit card for XXXX XXXX on XX/XX/2018 and I was not informed by the cashier that the card was going to be charged for the transaction that day. I also paid cash for the items that I bought that day. I later find out that the card was used the same day that I signed up for the card, so went to back to the store and told them that I didnt use the card and I paid cash for what I was purchasing. They tried to look up the transaction but told me that the transaction was too old to have an record of it. I was then told to call customer service for details of that transaction and I did call and I was told that they were going to investigate the incident. A few months later and I call back and I am informed that my debt has increased and has affected my credit tremendously, my debt was on collection and there was no other solution but to pay for it. I was really upset that they didnt look into the incident and just but my debt into collection.
Consumer complaint received 2024-05-13
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. (CT)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NCB Management Services Inc. (GA)

My consumer rights are being violated by NCB Management Service they obtained my information from a 3rd party without my consent and my privacy rights are being breached. I sent a letter to NCB Management on XX/XX/XXXX asking them to cease and desist the sharing of my information with other 3rd parites. They fraudlent obtained and shared my information with credit reporting agencies. I reserve all right to the rights of my privacy, Privacy Act of 1974. Furthermore the may have violated others Acts as well.

Fair Debt Collection Practices Act ( FDCPA ) : The Fair Debt Collection Practices Act prohibits debt collectors from using deceptive, unfair, or abusive practices in the collection of debts. Obtaining personal information from a third party without the debtor 's consent may be deemed as an unfair practice under this act.

Gramm-Leach-Bliley Act ( GLBA ) : The Gramm-Leach-Bliley Act protects the privacy of consumer financial information. Unauthorized access to and acquisition of nonpublic personal information without consent is a violation of this act.

Right to Financial Privacy Act ( RFPA ) : The Right to Financial Privacy Act protects the confidentiality of personal financial records. The unauthorized acquisition of my financial information without my consent is a breach of this act.
Consumer complaint received 2024-05-13
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. (CT)

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2019-05-06
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. (SC)

On XX/XX/XXXX I submitted disputes with Equifax and XXXX. On XX/XX/XXXX, the accounts was removed from my credit file. On XX/XX/XXXX the same accounts that was removed from my credit file was added back to my credit file with out any notice from Equifax and XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2024-05-14
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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VI)

Around XXXX CALLED WELLS FARGO @ XXXX, spoke to agent XXXX, regarding an overdraft charge on my account 's statement of XXXX 2016. I wanted to know why an overdraft fee was done when the balance, given for that day could more than cover the " overdraft '' she indicated to me that she could authorize a credit of {$3.00} and some cents, the system would only permit that amount and she could not do the entire amount. She explained to me that there were pending charges given XXXX XXXX, which she could see that were included making the account with a negative balance. I asked her if she could send me that info and she replied no because it was internal use. I ask to speak to a supervisor who would have authority to reimburse full amount and she politely saw to my request. The Supervisor XXXX gave her full name but I did n't record her last. She ask how could she help. I advised her I wanted a full refund because my statement does n't show in my estimation that an overdraft was needed, therefore no {$12.00} fee should be charged. She answered my question with the same info and explanation that XXXX gave me. I interrupted her to advise her of this. I ask her where is she seeing a negative balance? She replied the pending amounts, XXXX XXXX, which I realized were the posted amounts for XXXX XXXX, on my statement totaled that negative balance, therefore she would only authorize the same refund that XXXX indicated. When I stated that was unfair because these transactions were not on the XXXX but XXXX she stated that they were pending therefore valid for the XXXX. I stated to her you can see my statement has them on XXXX and I should be given a full refund at that point about XXXX, I said her name and got no response, I continued to say hello until I concluded I was disconnected there was no dial tone, just silence and no response from Supervisor XXXX approximately XXXX.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.