davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has charged me over and over with overdraft fees, frozen my account, I reached out to them before the pandemic cause someone committed fraudulent against me and I'm XXXX and XXXX American and asked for their help and they changed me and called the credit bureaus and they still are charging me overdraft fees as I fill out this form
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

There was an insurance check deposited in my account. Wells Fargo threw up a red flag on the chat instead of them, contacting me and trying to exalt the problem. They close my whole account checking and savings. It was a bad report on my credit history, and it was not even my fault. closing my account and not allowing me to fix whatever the problem was or the company to fix whatever the problem was my account was closed. Money was took from me.
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A : States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2024-04-11
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-04-21
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: EQUIFAX, 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. 

XXXX  : Account # XXXX XXXXt : Account # XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  : Acc # - XXXX  XXXX : Acc # - XXXX XXXX  : Acc # - XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. It also states a consumer reporting agency can not furnish an 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 itemsof information any other adverse item of information other than records of convictions or crimes which antedates the report by seven years.

15 USC 1681s -2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Recently I have noticed a flood of late payments on my account. Along with closed accounts that are not mine. They come from about 3 maybe 4 different companies. I have disputed these accounts as they are fraudulent and this information is inaccurate. The credit reporting agency state they are not familiar with these laws and do not base their decision on laws. Fraud or not. Please assist if possible.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing this personal statement to address the issue of XXXX that are currently listed on my credit report. It has come to my attention that these XXXX are inaccurately reported and have a significant impact on my creditworthiness. I firmly believe that these XXXX should be removed from my credit report as they do not reflect my current financial situation or creditworthiness.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/2023 submitted dispute with copy of my state issued drivers license to have my address corrected with the following credit reporting agencies Transunion and XXXX for correction to fix my address ; they chose not to not make the correction but not sure what creditor reported the address because my address single family home but the address on my credit report file states apartment number ( will not remove the apartment number ) never been associated with my addresss.
Consumer complaint received 2023-01-21
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. (LA)

I have two accounts that are closed and I would like to have them removed from my report. I have tried to dispute them with the reporting agency and they have yet to respond to the accuracy of these accounts still being on my report.
Consumer complaint received 2024-04-11
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (NJ)

I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I make autopay payments on my American Express Delta card. I made an auto payment of {$500.00} on XX/XX/2023 for my XXXX monthly statement. After making my XXXX payment, American Express auto debited my entire remaining statement balance of {$11000.00}. When I called Amex to report this error since I had already paid {$500.00} for the month of XXXX, they issued a refund of {$9500.00}. Amex then issued another auto debit on my account for {$11000.00} on XX/XX/XXXX, and for the same amounts on XX/XX/XXXX and then again on XX/XX/XXXX. When I called Amex AGAIN, the rep told me that they had NO ability to STOP Autopayments!! They told me to call my bank and get a stop payment to stop the Autopay retry. My bank charged me {$30.00} to issue the stop payment on the Autopay amount. Amex then added the Autopay charge of {$11000.00} back to my credit card as if I had made a purchase in the amount of {$11000.00}. My original credit card balance at the beginning of XXXX was {$11000.00}. Since Amex issued a FRAUDULENT CHARGE OF {$11000.00} on XX/XX/2023, my balance DOUBLED to {$22000.00}! The FRAUDULENT CHARGE is NOT the result of any purchase, but solely due to Amex 's error. I have called Amex multiple times to correct this error and they have REFUSED to respond or return my calls.
Consumer complaint received 2023-05-23
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (WV)

Ally Financial XXXX XXXX XXXX This company has been calling a number belongs to an elderly family member whom is not included on anything regarding my loan on the vehicle. Therefore they do not need to be involved or contacted with ANY of my information. I realize my payments have been behind but I am making them as I am able to. I do not know how they found this member 's phone number but this is absolutely uncalled for and an invasion of my privacy. I want it stopped NOW.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XXXX 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2018-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I didnt know about this debt until it was already on my credit report- I did take my grand daughter to an emergency clinic where we met her dad. 
They had Medicaid and I didnt receive any bills. 
It is also on my credit report twice for the same amount and the same day The collection agency is Paramount Recovery
Consumer complaint received 2022-10-24
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. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act Designed XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX  account # 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.
Consumer complaint received 2023-07-17
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. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I noticed this problem on XX/XX/XXXX Hard Inquiries : XXXX  inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-07-16
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my report back on XX/XX/year>, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and address. I have attachments that will show you inconsistent information.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

I open a digitalwallet with Coinbase.com I tarnsfered some of my cryto toth wallet as suggested by Coinbase. I bought a new cell phone and my saved info was lost to sign onto the Coinbase XXXX account. So i went onto th site and it asked me to sign in with a 12 word sign info supposedly given to me when i open the wallet account, NO SUCH 12 words were ever given to me! I asked the company through CHAT and i was told too bad, if i lose my 12 word info i can't get into my account, EVER! LOST my money! I'm a senior citizen on a fixed income with XXXX n i need my money!!! Please help.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (PA)

I am writing this letter to have inaccurate items removed from my credit report as I am a victim of identity theft, and I did not make these charges. The items I need deleted due to the theft of my identity are listed on this document. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2024-04-11
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. ()

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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

What is the complaint about? : Nationstar Mortgage XX/XX/XXXX, Response to Complaint filed with CFPB on XX/XX/XXXX. What type of problems are you having? Fraud ; Inconsistent Statements What Company is involved? Nationstar Mortgage Who are the people involved? Nationstar Mortgage Research and Response Department Nationstar Customer Relations Specialist, XXXX XXXX What happened : On XX/XX/XXXX, we received Nationstars response to our first complaint # XXXX. Nationstar was directed to remove the flood protection insurance placed on the property located XXXX XXXX XXXX, XXXX, CA XXXX. In their response, XXXX XXXX states, our records do no ( sic ) indicate that flood protection insurance has been placed on the account nor have we ever escrowed for this item. We understand that the property is not in a flood zone and we have escrow for hazard insurance and taxes. XXXX XXXX statement is in direct conflict with Nationstars XX/XX/XXXX, Research Reference # XXXX letter, which stated, A Notice of Payment Change that reflected the monthly payment increased to {$1200.00}, effectiveXX/XX/XXXX, was sent to the attorney and bankruptcy courts. In reviewing the escrow account, we confirmed that the increase in the property taxes and purchase of lender placed flood insurance coverage, effective from XX/XX/XXXX, to XX/XX/XXXX, has contribute to the increase in the monthly payment. You may also purchase insurance and provide proof of the policy to cancel the lender placed insurance as a policy you purchase would likely be less expensive. Once we receive proof of the insurance we will cancel the lender placed insurance and refund the paid premiums to the escrow account. We have had insurance on the XXXX XXXX property since XX/XX/XXXX. Our insurance is through XXXX XXXX. Since XX/XX/XXXX, Ive mailed proof on at least two occasions to Nationstar, XXXX XXXX XXXX, XXXX Ohio. My other issue with Nationstar is they are stating as of XX/XX/XXXX,  the interest on the mortgage payment will adjust 1 % due to the modification agreement, house payment {$940.00}, which I completely understand. However, XXXX XXXX is stating the monthly escrow payment is {$460.00} which makes the mortgage total {$1400.00}. The monthly escrow payment amount is incorrect because they are still charging us for hazard insurance which I have been trying to have removed. I want this lender placed insurance removed ASAP and the paid premiums refunded to the escrow account as stated in their XX/XX/XXXX, letter.