davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-11-16
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)

These agencies have been reporting income on my consumer report which violates the FCRA. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. And there are 3 accounts that must be removed as they are clearly inaccurate. It goes as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (CA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (MI)

I found this account on my credit report. It is hurting my ability to obtain credit. It is my understanding that you will investigate to ensure accuracy. I require all contracts and transactions, along with the original purchase contract of this account, all the licensing and bonding information as well. I also request a copy of the certified return receipt from the USPS with my name, address, and signature. My rights are in violation.
Consumer complaint received 2024-04-12
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with XXXX Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and XXXX have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and XXXX for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following credit item listed on my TRANSUNION, XXXX AND XXXX credit  file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY (NJ)

This person used profane & abusive language defaming my character. They alleged I owed them a debt. I asked them to give me the original contract proving they gave me a loan & they defaulted. They never showed proof of them giving me a loan. They showed me transferring credits from my savings account to a new account which they seem to think they gave me. Then they charged off the account. I funded my own credit, which means they are frauds. 
They defamed my character, sold my data to 3rd party debt collectors, also committed securities fraud Also The last 4 digits of my social is XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Educational Services Corporation (SC)

I have placed a dispute with this creditor XXXX XXXX, XXXX, and XXXX in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and XXXX failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and XXXX have not been properly investigating.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

First my mortgage was sold 3 times in the past year. It went from XXXX XXXX to XXXX XXXX   to XXXX XXXX to finally the worst of them all, New Penn financial. Starting XX/XX/2018 the first letter I got from XXXX XXXX XXXX was that they were going to default my mortgage due to non payment. I was very upset, called them, and setup auto pay. I get another email ( not mail ) on XX/XX/XXXX, saying that if I dont resolve by tomorrow they will default my loan. No one ever called, or left any messages, called them on the phone, they said I didn't pay, and now they want to tack on a {$92.00} late fee. They also said its okay to not pay the late fee, but just to keep the late fee floating on there, then they continued to say that it was I that put a stop on the auto pay ( which I did not ). 

I have strong beliefs that they are trying to default my loan. Please help
Consumer complaint received 2023-11-28
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. (FL)

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 2018-08-29
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. (PA)

XXXX and Experian are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (WA)

XX/XX/XXXX transfer bal. {$6500.00} bal transfer fee of {$260.00} 0 % interest for 12 mths XX/XX/XXXX transfer bal. {$2700.00} bal transfer fee of {$100.00} 0 % interest for 12 mths XX/XX/XXXX {$1700.00} bal transfer fee of XXXX XX/XX/XXXX transfer bal of {$6600.00} transfer fee of {$260.00} 0 % interest for 12mths Wells Fargo is applying all my payments to each bal instead of taking it off of my first bal from XX/XX/XXXX and deducting it and paying this off. This is not what it says online when you transfer. Only 12mths plus 4 % bal. transfer fee.

Extremely misleading and I called Wells Fargo and they said that they would no help me.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westcreek Financial (NC)

XXXX I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westcreek Financial (NY)

Hi, I tried purchasing a vehicle and was denied because I was told that I already had one when I looked at my credit report it said I had a car loan with a company called koalafi I called koalafi and koalafi said that I had purchased furniture. I have never purchased any furniture. But all my credit report is coming up as an auto loan.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

90 days ago XXXX credit showed up on my experian credit report. This was after the same company tried to take money out of my bank account and I filed a police report. My bank then denied the company and reversed charges. 
I have NEVER had an account with XXXX credit. My purse was stolen in XX/XX/XXXX I don't know if that has anything to do with it, but I have disputed it with experian unsuccessfully and can not get a response from XXXX after emailing repeatedly. I would like this account immediately removed from my credit report.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Everyone who I did business with and had and have a bank account with had data breach and they didnt notify me when I tried to tell them that my credit card account and bank accounts was compromised before they all had a data breach and they ignored me for years and I lost my money and I lost my credit card account and my business accounts which I am currently homeless due to the fraudulent transactions and the fraudulent activities on my credit report and they still havent paid me for everything that I have lost and my credit report is ruined because of Capital One credit card account and bank accounts and XXXX XXXX accounts and XXXX  account and XXXX XXXX and XXXX accounts were all compromised and I have reached out to them repeatedly in XXXX until now I have lost my entire identity information regarding their data breaches and they are selling my identity information on the dark website for years and I have to change my social security number because of this data breaches and I they will be held accountable because I have worked very hard for my business and my money and they allowed these fraudulent activities to happen to me and they tried to cover it up by closing my accounts with Capital One credit card account and bank accounts and they all did the same fraudulent activities and they ignored me and they closed my account down to XXXX XXXX  accounts and I have already filed a identity theft claim against Capital One bank accounts and credit cards and XXXX accounts and XXXX XXXX accounts and XXXX data breach also and I have repeatedly contacted them to confirm the identity theft insurance claim with them and XXXX XXXX XXXX  which I have paid since XX/XX/XXXX and they have not responded yet but I need my life back and everything that they allowed to be stolen from my bank accounts and my credit card account ect
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion refusing to correct personal information. My correct name is XXXX XXXX XXXX I sent proof of residency and Drivers license. TransUnion is reporting my name as XXXX XXXX XXXX and XXXX XXXX XXXX old addresses listed. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect employers. Im self employed. 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
XXXX has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.
Consumer complaint received 2023-11-23
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. (TX)

I am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.
Consumer complaint received 2023-07-10
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. (AZ)

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2023-08-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

My account at XXXX XXXX had a XXXX balance. Then on my statement, there was a charge of {$1100.00} On the next statement, a fee of {$29.00}. was charged for LATE FEE. Now my balance is {$1200.00}. The next statement. Two months later, my balance is XXXX with a credit that says XXXX and purchases of {$2400.00} giving me a new balance of {$1700.00}. I have called so many times, I could not even begin to remember the dates. I filed a fraud complaint, and they always came back saying I owed the money. This has been going on for 4 months. I am afraid that they will report this to the credit bureaus. I had an excellent payment record until this. I am a senior citizen and feel that I am being taken advantage of.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (PA)

These accounts are being published with incorrect payment information. I want them to investigate and fix it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX