davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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. (GA)

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific factual information on a consumer 's 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 from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-10-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CA)

I have only recently discovered that a debt collection agency has submitted a report against me. I have NEVER received anything in the mail from IQ DATA INT'L INC XXXX 
Approximately 6 months after I moved out of my apartment, I received a letter from a different agency. I called this agency and not only did this agency determine that I did not owe XXXX XXXX any money, but they owed me approximately {$200.00} left over from my deposit. The gentlemen I spoke with assured me that this would be corrected and the collection would be canceled. 
Approximately 6 months later, a different collection agency which I presume was IQ Data ( I do not recall the name ) called me and once again stated that I owed XXXX XXXX money. I explained that I had already addressed this issue with a different company and would not be making any payment to them. They continued to call and harass me, and I continued to tell them that I would not be making any payments to them. I also asked them to send me the bill if I supposedly owed them money which they never did. 

To this day, I have still not received any documentation from IQ Data. Please assist in anyway that you can. 

Thank you.
Consumer complaint received 2024-04-07
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. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account # : XXXX Account Type : revolving Institution : XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported identity theft and demanded these items be removed from my credit report.
Consumer complaint received 2023-11-07
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. (AL)

After learning about the Fair Credit Reporting Act 15 USC 1681 section 602 I have attempted to reach out to the TransUnion to file an initial dispute. While chatting with XXXX XXXX right as we were getting into the dispute process the chat disappeared. At that moment I went and tried to submit an online dispute and an alert was sent that I could not place a dispute online it would have to be by mail or online. In accordance with the Fair Credit Reporting ACT. As the creditor has violated my rights under the 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 section 604 section. It also states that a reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666B a creditor may not treat a late payment on a credit card account an open end consumer credit plan as late for any purposes. 
However they are reporting and making it very hard to dispute these transactions.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

On XX/XX/2023, I applied for a Merchant account with XXXX XXXX XXXX ( TSYS ) processor. XXXX. 

On XX/XX/2023, I received a declined response ( underwriter ). The merchant services stated the application was declined due to the MATCH list reported. I requested the detailed information from underwriter ( XXXX XXXX ), but refused to share with me my XXXX report.
Consumer complaint received 2024-04-07
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX XXXX [ XXXX ] [ XX/XX/XXXX ] Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding XXXX XXXX  Account on Credit Report Dear Experian XXXX Department, I am writing to formally dispute the presence of an account from XXXX Bank on my credit report, which is currently marked as " settled payment. '' The account in question has been XXXX since XXXX, and as such, it no longer holds validity on my credit report.As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 605 ( a ) and 605 ( c ), any discharged debt must be promptly removed from a consumer 's credit report. Furthermore, under Section 623 ( a ) ( 2 ), it is the responsibility of the credit reporting agency to ensure the accuracy and completeness of the information listed on a consumer 's credit report.Given that the account from XXXX Bank has been XXXX for over three years, its presence on my credit report is not only inaccurate but also misleading to potential creditors and undermines my efforts to maintain an accurate credit profile.I kindly request that you promptly investigate this matter and remove the aforementioned account from my credit report in accordance with the FCRA. Additionally, please provide confirmation of the removal once the necessary action has been taken.Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 
Sincerely, XXXX
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Americas Car-Mart, Inc. (OK)

RECENTLY BOUGHT A CAR FROM CARMART, THEY INDICATED THAT I WILL NEED A GUARNTOR TO SIGN NOTE. THE GUARANTOR WAS MY XXXX DAD, WHOM IS XXXX CAME IN AND WAS TOLD BE MANAGER THAT THIS LOAN WILL NOT BE REPORTING TO XXXX IN MY DADS NAME OR CREDIT. I FEW WEEK LATER THEY APPEARED ON XXXX FOR XXXX XXXX XXXX.
Consumer complaint received 2024-05-17
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. (MD)

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 XXXX 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 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit was supposed to be frozen and no one should be able to access my credit report without my consent. But on XXXX XXXX XXXX they allowed ( XXXX XXXX  ) to pull my report and for what reason I do not know. On XX/XX/XXXX and XXXX they allowed ( XXXX XXXX ) to pull report also without my request. Then they allowed XXXX XXXXXXXXXXXX XXXX  to pull my report on XX/XX/XXXX and a credit union by the name of XXXX to access my credit that allowed me to end up with 9 inquiries I have sent in countless letters but they will not remove the inquiries even though its their fault.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On or around XXXX XX/XX/XXXX - I opened the Wells Fargo Everyday checking account with a promotion. Promotion stated that 1 ) Open an account with {$25.00} or more by XXXX XX/XX/XXXX XXXX ) Within 90 days has a direct deposit of {$1000.00} or more. 
Once these condition are met then {$300.00} will be deposited after 30 days period ( once 90 days period is over ) Called Wells Fargo one month to check on this cash back. I was told that 30 days period is not over. I called again today at around XXXX XXXX  central time and talked to XXXX. She put me on a long hold then asked me I am ineligible as I got cash back during XX/XX/XXXX. I said that is more than 12 months back and as per the terms and conditions I should get {$300.00} cash back promotion. 
She said she can't tell me everything on the phone and asked me to visit the branch. I can figure out from body language and tone that XXXX is not willing to do any further home work and sending me from post to pillar.
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous 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 XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is one of my numerous 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 XXXXXXXX. Please delete this item ASAP. Also please delete this inquiry : EQUIFAX MORTGAGE SER XX/XX/2023.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC. (MN)

Sofi used to be great, but after almost a year of having my statement balance charged to a bank account that doesn't exist anymore in error, having the support give me multiple tickets on this issue, And now getting hung up on twice while just trying to explain the issue I've been having I don't believe that Sofi is capable enough to be a banking company. The issues i've had have caused my credit limit to lower even when I pay my balance well before the due date to assist with the error that they could not fix in their back end system. It has caused my credit score to plummet due to their negligence. Regardless of how many times I have called each month to get this issue resolved, updating the app, going online, I am met with hang-up after hang up. I'm just trying to get answers. I'm at the point of letting what I owe go to collections to deal with someone who is more capable of handling payment processing. SoFi 's customer service was great for about a year in the beginning when they first opened. But now I met with hostility and anger after keeping a very calm tone in giving all of the information I can to anyone who will listen. I'm a non-aggressive person, and I really like so phi. As a bank, but I need help to resolve this issue and no matter what I have done after sending pictures and mountains of proof that there is nothing that I can do on my end, I am told nothing and get nowhere and suffer due to they're incompetence. The lady that I recently got hung up on was rude. There was silence while I tried to explain the situation and before I could finish the line when it dead. This was after talking to one guy who seemed very knowledgeable but then when talking to him, the line went dead after he began talking about issues that could potentially be with my phone. The only reason I have had to use this credit card and rely on sofi service was because of the medical bills that I needed to pay for that are still not paid for in full. I have called them sometimes multiple times each month since XXXX and have been having the issue since XX/XX/XXXX of last year. They have created 2 tickets, XXXX & XXXX, and have said they pushed out an update months ago that shouldve fixed the issue this last time I spoke with someone today. My credit limit was lowered by XXXX which caused a massive hit to my credit score. After explaining that I have no way of shutting of the statement balance auto payment that keeps directing to a debt account I used to have with them but closed prior to any auto payment being set up, I am ready to let this amount go to collections to save myself any further hits or issues from this bank and deal with someone who is better at processing payments.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (PA)

Beginning XXXX I have received a total of 12 fees on my checking acct. Pnc hasnt taken into consideration that deposits were made to cover the amount overdrawn. In fact a recent deposit of XXXX was made to my acct but because I was charged 4 XXXX fees my acct is still overdrawn. The deposit was made Sunday but wasnt available in my acct until Tuesday. I spoke with XXXX regarding my fees for earlier in the month and I was denied any reversal. Over XXXX in fees is excessive. I would like a reversal.
Consumer complaint received 2024-04-05
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-07
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-13
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. (IL)

I have been trying to dispute a XXXX  account that is in collections with experience credit report. They keep telling me the debt is valid but won't say how they came to that conclusion because I've never had a XXXX bill with XXXX XXXX I was always pays as you go or prepaid. The date this was put on my credit report I was homeless and I don't understand how they could just put stuff on a credit report and say it's true. My biggest problem is now finding a place because this lowered my score alot that I was working on. And the only answer I kee0 getting Is I see this your debt
Consumer complaint received 2024-04-05
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-07
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. (IL)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2024-04-05
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.