davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX
Consumer complaint received 2023-07-09
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want you to know that I understand and have great respect for my nancial obligations. Unfortunately, at the time of the incident mentioned above, I had a job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (NJ)

I contacted the debt collector by mail. But his attorney still harassing me. That if I don't answer they will be taking everything from me without having my real name. They have beng sending me mail under another name similar as mine.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The accounts listed below are all listed improperly and it is law to report accurately on consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
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: ARVEST BANK GROUP, INC. (MO)

XXXX - ARVEST BANK ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting to XXXX that there is a balance owed on a personal account that I have never had a negative balance on. I did have a personal account with this bank, however, I have never had a balance, past due balance, or any such issue. They are reporting that I personally owe {$440.00}. I don't even have an account with this institution. I never used the personal account, and again, there was never a overdraft or negative unpaid balance on the Personal account! 


Source of Information : XXXX - ARVEST BANK ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : Date of Closure : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Original Charge Off Amount : XXXX Closure Status : UNPAID
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. (CA)

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. 

California XXXX XXXX - Account number # XXXX, has violated my rights. 

XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights XXXX XXXX XXXX  - Account # XXXX, has violated my rights XXXX XXXX - Account # XXXX, has violated my rights U.S XXXX  Court - Account # ( Reference Number ) XXXX, has violated my rights 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 an 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

There are inaccurate items on my credit report which I have notified you now many times. I keep being disregarded by you which is just causing me unnecessary stress over this. I am going to be sending a copy of this to the cfpb ombudsman as well because this is just beyond negligence at this point.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX.
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. (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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX and 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 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I opened up a fifth third account in XXXX. Due to issues with the all the banks holding all deposits. Because of all the check frauds going on. I work for my self and have a couple clients pay me by check with fifth third. So when I opened an account they put me in express. Ive mobile deposited 2 checks. I never once requested funds immediately yet the bank did it charged me fees to make a deposit twice. Ive called called and called I was told I put in for immediate funds no I didnt. Asked for mangers to call back thats a joke no one calls back. So I go into the branch finally I opened it. Now I am told starting XXXX fifth third will charge me XXXX XXXX monthly fee and any time I make a deposit XXXX be charged. No I am not dealing with a bank who only open by charging ppls fees. Ive been with our other banks for years never ever had this problem just the hold issues which XXXX take it any day over a bank that charges me to deposit my own money.
Consumer complaint received 2024-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing the following incorrect information on my credit report since XX/XX/XXXXXXXX  and yet theyre still refusing to delete them from my credit history. 

XXXX. XXXX XXXX XXXX  account # XXXX XXXX. XXXX account # XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX  XXXX account # XXXX XXXX. XXXX XXXX from XXXX is still showing up on my Transunion credit report. 

These are very old accounts and should no longer be reflecting on my credit report and my credit reports with Transunion, XXXX, and XXXX are inconsistent. 

I believe this is discrimination against me because I am an XXXX XXXX  female who is trying to achieve goals that are being hindered due to inconsistency in my credit reporting.
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: Experian Information Solutions Inc. (WI)

I am writing to follow up on my recent dispute regarding the inaccuracies in my consumer report, as outlined in my previous correspondence XX/XX/2024 against XXXX XXXX XXXX XXXX Despite my initial efforts to rectify the discrepancies, I am disappointed to find that the information remains on my consumer report updated with inaccurate information being furnished. As such, I am seeking further clarification regarding the verification process employed by Experian. As per the Fair Credit Reporting Act ( 15 USC 1681i ), I understand that consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information contained in consumers ' consumer reports. These reasonable procedures necessitate a thorough investigation into disputed items, including but not limited to : Contacting the original source of the disputed information to verify its accuracy. Providing consumers with prompt notice of the results of the investigation. Making necessary corrections or deletions to inaccurate or incomplete information. In light of these requirements, I am requesting detailed information regarding the specific steps taken by Experian during the verification process for the disputed items in my consumer report. Specifically, I seek clarification on : The methods utilized to verify the accuracy of the information in question. Documentation obtained from the original source to support the verified status. Any discrepancies identified during the investigation and the actions taken to address them. The timeframe for completing the verification process and notifying me of the results. Moreover, I would appreciate a thorough explanation of how the verified status was determined for each disputed item, as well as any applicable legal provisions or internal policies guiding this determination. I remain committed to resolving this matter in a fair and expedient manner, and I trust that Experian shares this commitment to upholding the accuracy and integrity of consumers consumer reports. Therefore, I kindly request your prompt attention to this matter and a comprehensive response. Thank you for your attention to this important issue. I look forward to your prompt response and the resolution of these discrepancies.
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2023 i charge my card in the amount of XXXX and i left out of the store with the purchase of my son items i also tried to charge more items that suppose to been delivered to my house and never got delivered i asked that they remove the money that was charge and they said they had to investigate the charges and they gave me all these credit and rewards for me to used for free so my balance should be XXXX it is XXXX in which that is not the correct balance they refused to fixed the problem i was advised by XXXX today that they closed the account on XX/XX/2023 but never sent nothing to my house stated that please i need your help in fixing my bill the company is commenity bank with children place
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I have asked for Cardinal Financial company , limited partnership to correct the warranty deed. If said, warranty deed is not accurate where it states I granted {$220000.00} executed and delivered to Cardinal Financial company , limited partnership. They have failed to even acknowledge this question. Instead, they continue to give their government agencies the same response document sent to me in XX/XX/2023. If the warranty deed is incorrect where it states that I granted, executed, and delivered the total sum of {$220000.00}, then we must correct the documents and not continue to look over this question. Is it true that I granted Cardinal Financial company , limited partnership, the total sum of {$220000.00} as as your warranty deed states? If not true, the validity of said warranty deed is definitely a question. Please provide proof that your warranty deed is either accurate or inaccurate. Acquiescence apply, and shall be enforced if Cardinal Financial company , limited partnership chooses to answer this question with prior responses, prior sent documents, are simply not answer the question in total, as Cardinal Financial company , limited partnership NEVER responded to said question of the validity of the warranty deed, which is proven by Cardinal financials, response, document, dated Roundabout XX/XX/2023, is Cardinal Financial company, limited partnerships warranty deed in error, were it states I gave Cardinal Financial company , limited partnership the total sum of {$220000.00}. It is seemingly evident that Cardinal Financial company , limited partnership, is conspiring to steal my asset. As have no debts which is further evident by the secretary state of Texas.vCardinal Financial company, limited partnership, is fully aware that their company was granted {$220000.00} that was executed and delivered by myself XXXX XXXX, per Cardinal Financial company, limited partnerships warranty deed in which, promissory note in connection to said warranty deed affirms without a shadow of a doubt that I delivered the sum amount of principal payment {$220000.00}, paid to the order of Cardinal Financial company , limited partnership, as evident by the the secretary state of Texas authenticated document, proves there isnt any liens or debts against my name.
Consumer complaint received 2024-01-31
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Debt was removed and now has been re added to collections. FCRA violation as I've never received the five-day letter required by the FCRA to give you notice of the reinsertion, please re-delete the disputed item.
Consumer complaint received 2024-04-13
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)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C. 16815-2 ( 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

**Tax Treatment by the IRS** : - The IRS generally considers canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication 525 ), canceled debts are generally includible in gross income.

**Tax Law and Code** : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ). This section states that gross income includes income from discharge of indebtedness.

The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This ADVERSE ACTION, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and Universal Default fraud of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party.
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I was looking at my credit and notice this account. As a XXXX XXXX XXXX man I am not aware of this account and I have concludes this as identity theft. I was not informed if the original company at all. The credit bureau has not worked with me on this matter and has allowed what information they have of mine to be sold to other company. Which is against the law. This account needs to be removed asap. I have contact the police on this matter. I need a contract of my original signature. Thank you
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I ( a natural person ) was issued a false debt that was also placed on my consumer report in XX/XX/2023. I have contested with CREDENCE RESOURCE MANAGEMENT by mail and they have refused to provide the requested information validating this alleged debt. Why would I pay an alleged debt to CREDENCE RESOURCE MANAGEMENT without a valid contract in place agreeing to such performance. This company has reported invalid information on my consumer reports, obtained my location information without my written permission and continue to ignore my requests. During this time of grief I am dealing with the loss of my close childhood friend and with the uncertainty in todays economy it really saddens me that this company would take these lengths to accuse me of such without proper or valid documentation.
Consumer complaint received 2024-04-13
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. (KY)

i was affected by XXXX data breach and a victim of identity theft there was account opened fraudulent in re XXXX XXXX XXXX. i have supplied proof of identity myself and documents including that XXXX can not verify this account and deleted it PLEASE REFFERENCE ATTACHED DOCUMENTS
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (OR)

got a card to get a pellet stove they approved us for XXXX then when we got the stove picked out it would not go thru not sure how XXXX at XXXX XXXX did it but it finelly went thru so we decided to make another purchase on the card with the same XXXX XXXX and could not get it to go thru they said that that XXXX XXXX was no longer on thier list of people to purchase from even thou we just got our stove about XXXX month eailier. Wells fargo is issuing credit cards that can not be used.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (NE)

My existing mortgage is through Freedom Mortgage. I assumed the loan. I was on the loan originally with another borrower but assumed the loan to where I'm now the only borrower. I used to have online access to manage the loan but no longer do. Freedom Mortgage has closed my online account and has stated they're unable to provide access to my loan online. This is unacceptable.