davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (CA)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Thank you for taking the time to remove some of the fraudulent items from my file that resulted from alleged fraudulent activity. However, there are still items remaining that need to be addressed. I was a victim of fraudulent activity and this is another request to remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2024-07-02
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (AZ)

We contacted the company for move out requirements, we were told we didnt need to do certain things to move out such as clean carpets because they have to replace them anyways. We asked several times about this to ensure we would not be charged. We moved out, they charge us for all the stuff they told us we wouldnt be charged for. We called several times to listen to their phone calls because they are recorded, several people were supposed to cal us back. They never called us back and cut contact with us and then we were notified we have collections on our credit report. We were more than giving with this company, I was XXXX  and we had mold in our kitchen and the kitchen was under construction to fix it. We spent XXXX months without a kitchen and cooling off the outside because of holes in the wall from construction. They broke the black marble countertop during construction and glued it back together with white glue. We had several leaks from bathrooms where we needed reconstruction and they would take forever to fix. This agency does not fix problems they try to bandaid problems which causing bigger problems. This is all on top of this credit issue now which we still can not get a call back from them on that.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2024-01-05
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. (GA)

I recently reviewed a copy of my consume report. I was shocked to discover that I have been a victim of identity theft. I found numerous accounts on my consumer report that were not open by me. I never gave them written permission to put anything on my consumer profile as stated in 15 USC 18 1B2. They have violated the FCP subsection 1006.308a its new rule by parking this alleged debt on my consumer report. I demand a cease and desist of the reporting of this alleged debt immediately.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I looked at my credit report and noticed several inaccuracies on my credit report.This account is hurting my my ability to obtain credit. I'm requesting Equifax to remove the following outdated information from my credit report. 
1.XXXX XXXX  account XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 years depending on the type of information. In my case, the information in question expired as of [ XXXX XXXX XXXX ]. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Consumer complaint received 2024-05-01
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. (PA)

On XX/XX/year>, I sent EXPERIAN a NOTICE regarding adverse accounts appearing on my consumer report, as of XXXX, XXXX  I have not received a response. This is the NOTICE I sent EXPERIAN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN is the Consumer Reporting Agency and I am the Consumer.

15 USC 1681 602a ( 4 ) of the FAIR CREDIT REPORTING ACT, " There is a need to insure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6801 ( a ), " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681b a ( 2 ), " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 1681C ( a ) ( 5 ), " Except as authorized under subsection ( b ), 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. '' I have been granted the right to ensure my private information isn't shared and I was never informed of my right to exercise my nondisclosure option. The above re : accounts are adverse items and are reporting without my permission and EXPERIAN is not maintaining reasonable procedures. I require Deletion of re : accounts Also, 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. This is NOTICE that I am opting out of your reporting services of the above mentioned re : accounts. The financial institution and the Consumer Reporting Agencies EXPERIAN do not have my consent to furnish this information and they certainly do not have my written consent. To be clear, any and all consent to EXPERIAN, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED on the ABOVE MENTIONED RE : ACCOUNTS.

Exercising my protected Consumer Rights,
Consumer complaint received 2024-05-01
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. (NJ)

I have not given any one permission to access my credit credit profile and creditors have no permissible purpose by law to contact third parties with my private or personal information or to furnish inaccurate information. Experian, the offenses amount to Aggravated Identify Theft : The following Creditors are reporting to on my credit report and I've taken actions with the creditors & Consumer reporting agencies that the following accounts are unauthorized and unverifiable.I requested proof that these accounts belong to me. However, no accurate response has been given to me. Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NJ)

I opened a business checking account with Truist using the promotion code : XXXX. Now that I have fulfilled the terms of the promotion, Truist is claiming I did not have the promotion applied to my account. I even went in-branch to set up my online banking and they said it looked okay, then when I tried to login later they had apparently done it incorrectly. I had to get new online banking information set up for me over the phone later that day.
Consumer complaint received 2024-05-01
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-31
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. (PA)

RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Transunion, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). 

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.
Consumer complaint received 2018-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018, I made a {$2300.00} payment on this HELOC account at the local branch, but Wells Fargo Mortgage did not credit the HELOC account for the payment made. And Wells Fargo continued to tell me the account is in default and reported me to the credit reporting agencies.
Consumer complaint received 2024-05-01
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. (LA)

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 2024-06-30
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. (NY)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-06
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-06-01
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. (CA)

According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported.

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and attention to this matter.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MO)

Dear Sir/ Madam, Please find attached some documents regarding my complaint. 
I have had an account with Comenity Capital Bank for several years and have always made my payments on time. This card offers interest free loans for certain number of months for dental work that is not covered by the insurance. I had some dental work about almost {$3000.00} at the beginning of XXXX ( not sure of exact date ). The credit card company had my account as paperless and just sending me reminder emails for my payment. As you can see I have always paid over and the minimum payment thinking I would pay it off on time. If the loan was promotional and only for so many months, an honest organization would divide the amount by the number of promotional months and show that as the minimum payment. But this organization had some strange calculation of minimum payment which was a different amount every month. I kept making my {$150.00} payments and according to my calculations it should have been paid for this XXXX of XXXX. I call customer service and to my surprise found that the promotional time was up in XXXX of XXXX and they charged me over {$1200.00} in interest and when you see the transaction document now they are charging interest on interest. If they have send me a reminder in XXXX to either pay this amount or we will charge interest from the beginning I would have paid it instantly. But they were hoping for me to pass that date so they could collect interest dollars. I am XXXX XXXX XXXX, taking care of my XXXX  XXXX son and dont have time to read every fine print. I emailed the company on XX/XX/XXXX and followed up on XX/XX/XXXX with no response. 

I hope you can see the unfair practice of this company and help me with this situation., Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Cell XXXX
Consumer complaint received 2024-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB )