davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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. (TX)

This is my six endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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. (NJ)

XX/XX/2024 I mailed out the a letter to XXXX, XXXX, and Experian Explaining to them that they are in violation of many different codes. They are reporting payment history, delinquencies, amongst various of other things without my authorization. It need to be updated or removed immediately As theyre going against the FRCA .
Consumer complaint received 2023-09-19
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. (MA)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Consumer complaint received 2023-08-28
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. (OH)

I sent certified letters on XX/XX/2023, and XX/XX/2023, to Experian, XXXX and XXXX. However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 


According to the law 15 U.S. code 1681a - Definition ; rules of construction The term ''investigative consumer report '' means consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbor, friends or associates on the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. 

I would like to know who they talk to. 

How did they complete this investigation?
Consumer complaint received 2024-03-25
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. (TN)

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. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 2023-08-28
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. (WA)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I was also never late and I always pay on time. Please remove this inaccurate information and accounts that can not be verified.

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-03-25
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-28
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under USC 1681. 

I told the XXXX, XXXX, Equifax to reinvestigate these accounts ; Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to15 USC 1681i ( 5 ) they are suppose to be modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. 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 a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.to Also, they aren't even in compliance with metro 2 credit reporting. i have evidence to prove my case.
Consumer complaint received 2022-11-17
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2024-03-27
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (FL)

I really dont know why they closed my account if i had more than 1 year working without any problem and i never do anything wrong and got a email after i sent some money to my bank account and they just closed my account with no reason My email account is XXXX Bussines name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have made multiple attempts to have capital one stop furnishing accounts that they closed due to reporting a credit billing error. Its illegal to close my accounts and continue to collect payments while in a billing error status! I feel like im being extorted! I have been charged late fees and have continued to be billed! Violations of 15 USC 1666 ( b ) ( 2 ), 15 USC 1666 ( e ), 15 USC 1666a, and 15 USC 1666 ( b ) ( a )!. Also violations of federal regulations 12 CFR 1026.13 ( d ) ( 2 ), 1026.13 ( d ) ( 3 )! The CFPB continues to close my accoutns with no resolution in favor of me the consumer! These are the laws and the federal regulations that have been ignored! I have attached each prior complaints and the responses from capital one disregarding the LAW! I WANT THESE ACCOUNTS TO DISCONTINUE BEING FURNISHED ON MY CONSUMER REPORT! CAPITAL ONE DID NOT FOLLOW THE STATUTES OR REGULATIONS PROVIDED BY THE FEDERAL GOVERNMENT! ITS RIDICULOUS! CAPITAL ONE CAN NOT RESTRICT OR CLOSE MY ACCOUNTS WHEN A CONSUMER REPORTS A BILLING ERROR, THEY DID. THEY CAN NOT CONTINUE TO COLLECT PAYMENTS, THEY DID! THEY CAN NOT CONTINUE FURNISHING THESE ACCOUNTS TO THE CREDIT REPORTING AGENCIES DURING A BILLING ERROR DISPUTE, THEY DID! SOMEONE PLEASE EXPLAIN WHY CAPITAL ONE DOES NOT HAVE TO ABIDE BY THESE EXACT LAWS AND REGULATIONS! I EXTENDED MY CREDIT AND HAVE BEEN UNABLE TO BENEFIT FROM IT! I HAVE ATTACHED AN INTENT TO SUE LETTER WITH ALL EVIDENCE OF CAPITAL ONE BEING WILLFUL AND KNOWINGLY FURNISHING THESE ACCOUNTS WHILE DISREGARDING THE LAW! THEY REFUSE TO SAY EXACTLY WHAT " BEHAVIOR '' WOULD SUPERSEDE FEDERAL REGULATIONS ALLOWING CAPITAL ONE, BY LAW, TO CLOSE MY ACCOUNTS AND CONTINUE TO COLLECT PAYMENTS, AND FURNISH THE ACCOUNTS ON MY CREDIT REPORT! AND RESTRICT ACCESS TO MY RIGHT TO MY OWN CREDIT!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

Nelnet refuses to correct their mistakes on 2 loans. On two occasions where forbearance or deferred payments was requested and agreed to, they continued to mark that payments were late. When confronted with the inconsistency of the information, they claimed they could do nothing about it. It is a permanent black mark on my credit report as student loans dont come off. There has been enough evidence of the inadequacy of their ability to make the appropriate changes on all loans through the years, that I am confident that someone failed to do their job properly and I am paying the price at this moment. It is unacceptable. They need to correct their mistake and remove the late payments shown on my credit report.
Consumer complaint received 2024-03-27
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. (GA)

XXXX, Experian, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A. (SC)

I had a card with XXXX balance, it had been paid off for at least a year. Someone got the information for my card and used it to make fraudulent purchases totaling {$3000.00}, because I do not use this card often I did not notice the charges until I opened my XX/XX/XXXX statement. This has been reported as fraud since XX/XX/XXXX. Not only have they reported this to the credit reporting agencies as past due while knowing the charges were fraudulent and while still under investigation, as of today XX/XX/XXXX they are requesting payments toward the fraudulent balance. They refuse to stop late fees piling up on a balance they know to be fraud. Now when I call them they pass me back and forth between fraud department and customer service claiming nothing can be done ... and it's still under investigation but make minimum payments on the amount they know to be fraudulent. They even reissued a card, left it linked to the old account and the fraudster was still using it while it was being investigated. They have now issued a third card and have not resolved the issues involved with the fraud, while reporting a fraudulent balance to credit agencies, and trying to collect on a balance they know to be fraud. If you remember, my balance was at {$0.00} before the fraud started.
Consumer complaint received 2024-03-27
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)

I reviewed my Consumer Reports and noticed that I had XXXX 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 Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NJ)

I tried to do a balance transfer from Avant to XXXX. XXXX sent funds to Avant to initiate the balance transfer process. Avant denied the balance transfer, did not notify me and claimed their policy and contract did not except balance transfers. I looked over policy and contract and found no evidence of their claim.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX CREDIT CARD ON XX/XX/XXXXXXXX  AND SYCHRONY BANK on XX/XX/XXXXXXXX furnished an inaccurate and fraudulent report to all consumer reporting agencies and in doing so violated my consumer rights pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

SYNCHRONY BANK and XXXX XXXX CREDIT CARD 'S inaccurate and fraudulent reporting of this account has caused severe damage to my character, reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Their inaccurate reporting damaged my livelihood. 
As defined by the IRS for cancellation of debt : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return a form which they failed to send me. 
The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel a debt of {$600.00} or more. Form 1099-C must be issued when an identifiable event in connection with a cancellation of debt occurs. 
According to XXXX, the CFPB says that income is not part of a credit report. Creditors may include employment information, such as the name and address of an employer, on a credit report. Creditors may also consider income that a stay-at-home applicant shares with a spouse or partner when evaluating an applicant for a new account or increased credit limit. 
Since these debts were clearly charge off accounts it means that there cancelled debts which is GROSS INCOME which can not be reported on my consumer reports
Consumer complaint received 2023-09-19
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. (NV)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MI)

Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX