davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/23 Equifax changed the balance on a closed charged off auto loan To {$13000.00} from {$8500.00}. That the amount that the account was closed and charged off on. 
XX/XX/23 Equifax reported a collection account with the amount of {$200.00} as open account status. 
XX/XX/23 Equifax reported a collection account with the amount of {$290.00} as open account status. 
XX/XX/23 Equifax changed the payment history on a closed account making my score drop XXXX points. 
XX/XX/23 Equifax reported a collection account with the amount of {$590.00} as open account status. 
XX/XX/23 Equifax reported a collection account with the amount of {$630.00} as open account status.
Consumer complaint received 2023-09-26
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (TX)

Im following is a plant for numerous of reasons that company XXXX XXXX is reporting in an accurate phone number and address on my credit profile for the company. I send out this exact same letter to the company. XXXX. I was in the process of shopping for a car as I pulled my credit I have noticed that you charge Off this account on my credit and I have never received a XXXX form can you please go ahead and send that now. XXXX. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Name XXXX XXXX XXXX  XXXX Account This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately XXXX XXXX XXXX  XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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. (OK)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$26000.00}
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (FL)

In XX/XX/2023 I was fraudulently overcharged for a Gym membership monthly fee. I contacted XXXX XXXX on several occasions to fix the issued, but they never did. Per the contract that is attached states I will get billed BIWEEKLY in the amount of {$25.00}. XXXX XXXX billed me {$45.00}, proof of bank statemen is attached. I went to the gym and spoke with a manager and advised her that I will no longer like to retain membership because there was a contract breech. I did not feel comfortable with XXXXXXXX XXXX having access to my debit card because they overcharged me and refused to make the wrong they did right. The manager assured me that she would contact the corporate office and explain to them what occurred and honor my wishes to discontinue my membership without penalty. I have been receiving numerous emails from a collection agency -Kingston Data and Credit International informing me that I owe them the remainder amount of the gym contract. I have disputed the issue with XXXX, but Kingston Data will not remove the item from my credit profile. I spoke with XXXX XXXX  with Kingston Data and explained the situation, she stated there's not much she could do. I would like the item removed from my credit profile due to the fraudulent charge and breech of contract. 


Company contact information.

Kingston Data and Credit International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I contacted Equifax because I was reviewing my report as I am in the market to purchase a new car. I noticed when I shopped for my mortgage rate back in 2021 with multiple lenders, I received a hard inquiry for each one. I had 6 inquires in a 13 day window. I called Equifax because I was concerned about how this has impacted my credit score for my home and upcoming auto loan. I have read on multiple credit sites as well as Equifax 's own website, shopping multiple rates for a new auto and a mortgage loan will only count as one inquiry as long as its done in a certain length of time. I attempted to try the online dispute, but Equifax does not give the option to file for this reason. I tried calling and after receiving multiple unsatisfactory answers by multiple people, I kept asking to have my concerns escalated to someone in upper management. The last person told me they are not going to correct it and they will not keep going in circles with me, despite what is stated on the website. Below I attached the FAQ from Equifax 's very own website.

When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or company requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. 

However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary depending on the credit score model ( the method used to calculate the credit score ) used, but it's typically from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you.

All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will generally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.

I asked for confirmation the two incidents where I shopped for my auto loan and mortgage only impacted my score as one inquiry each time and they stated it still counted as multiple inquiries.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MO)

I graduated from a secured card in XX/XX/2023 to unsecured card. I had a {$300.00} deposit that was supposed to be refunded to me after the XXXX month payment/billing cycle via their advertisement and website. The alleged paper check for {$300.00} was sent usps and was never received. I had to wait another 30 days for the to " cancel '' the check I then recieved mail of the voided check within a few days. Because of this I became suspicious if an actual check was sent from the beginning. I then called on XX/XX/2023 requesting my deposit again since it was past the 30 day time frame. I provided my checking and routing number and was advised by the rep my deposit was going to be XXXX refunded immediately the bank account I provided is the same my monthly payments are withdrawn from and saved to my Discover portal. Today is XXXX I have called Discover 3x just to get the run around and a rep told me that a " stop check payment '' was put on XXXX I have no idea what she was referring to. I was advised that they would need another 24-48 to follow up with me that another department had to be contact. I have wasted hours of my time as well as it has been very distressing going back and forth with this company when I always get different answers and no one is resolving the issue. Please help, thank you.
Consumer complaint received 2023-03-13
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. (NC)

After looking over my Equifax consumer report I've noticed fraudulent accounts reporting that doesn't belong to me. These companies purchased and shared my personal information without my consent which is fraud pursuant 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. These accounts are negatively impacting my credit score limiting my ability to have any potential relationships with any lenders or institutions.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the fair credit reporting act this account violated my rights to privacy. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under and open ended consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (LA)

I just got back in town from work. While going through my mail, I come across this letter dated XX/XX/2023 informing me that I have an unpaid bill of {$170.00} with XXXX XXXX XXXX ( XXXX  ). This is the second time I have received this letter and have informed them that I still have an active account ( internet and mobile ) with this company. I consider this as harassment and trying to get money from me illegally.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (DE)

In accordance with Fair Credit Reporting Act, Discover Bank has violated my rights.

Under 15 U.S.C. 1681 Section 602 section 4 - states that I have the right to privacy. 15 U.S.C. 1681 Section 604A section - states that a consumer reporting agency can not furnish an account without my written instructions. And, 15 U.S.C. 1666 B - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

We had an attempted fraud which involved a Wells Fargo bank account. I received an email from an individual attempting to impersonate an employee at XXXX with an invoice/banking instructions attached. I typically report these fraudulent accounts to the bank in question. 

In this case Wells Fargo made reporting fraud on one of their bank accounts incredibly difficult. 
- I went to their website where I was directed to call a general line. 
- That line was not optimized for reporting fraud, and was instead just general customer service. 
- I had to wait until a general option presented itself as we are not XXXX customers. 
- I then talked to an agent. 
- Who forwarded me to an agent - Who eventually gave me the email address, but wanted to transfer me again
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX 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 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 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish 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 2023-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

On XX/XX/XXXX, I had about XXXX XXXX ( value XXXX USD ) in my TrustWallet ( XXXX ). 
My ... entire life savings. 
That day, the TrustWallet software presented a transaction to me as having a cost of XXXX XXXX In reality, thieves managed to trick the Trustwallet interface ( a bug! ) and drained ALL my life savings, a few lesser valued coins notwithstanding. 
I am XXXX now, and I feel my life is ruined. Ever since, I don't sleep. 
I wrote to TrustWallet. To no avail. My first reaction was of course to write TW, in XXXX. They did not propose a settlement at the time. They wanted to know everything from me to address the bug and then... left me with all the damage. It is why I had to escalate. I went to the XXXX XXXX police with this, and my lawyer. 
My lawyer investigated TW and found it they are open to " Arbitrage '', in California. Something I was unfamiliar with, as a XXXX. 
In an attempt to avoid lawsuits and sort this in friendly manner, my lawyer then pointed me to you to give TW a chance to solve the matter fairy and amicably.

If the real damage has to be claimed ( co
nsequences of the theft ), it is going to be factors more so I hope TW will take ownership of the bug in their Software and take responsibility for the disastrous consequences at my expense.
Consumer complaint received 2023-03-13
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. (GA)

I discovered that the same account on my credit report was incorrect when I reviewed it. The XXXX and TransUnion credit bureaus require to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be reinvestigated and corrected : XXXX XXXX XXXX Balance Owed : {$640.00}
Consumer complaint received 2023-05-05
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)

XXXX XXXX  XXXX XXXX. Reported an incorrect Derogatory mark on my Credit Report. Which they claimed that was obtained on XXXX XXXX and the companys name is XXXX XXXX! XXXX XXXX  XXXX Also claimed in the report that was sent back to me by CFPB that they have never spoken to me before. And they sent out a letter regarding the accounts on XXXX XXXX. To my home address and I have yet to receive anything from a business called XXXX XXXX  XXXX. Especially if its regarding a loan they are insinuating I owe them or XXXX XXXX, yesterday I reached out to XXXX XXXX  directly and was told by a representative that They dont have any information on file that states I owe them money but XXXX XXXX  XXXX stated that I should reach out to them to give me more clarification. 
But if theres a loan open XXXX XXXX  XXXX havent reached out to me? Since they obtained the accounts in XXXX we are in XXXX. They should have all my details to reach out to me and talk to me about the accounts I supposedly open. 

Could it be that they dont have my number? Or they dont have documents of my signature on the loans. But they reported it on my credit report that I XXXX owe them money. But they havent reached out to me. Why is that. Its unprofessional and very unethical to not speak to someone about an account that was open using their information.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX continues to report a delinquent account to XXXX, Experian and XXXX despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.
Consumer complaint received 2023-11-09
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. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (NJ)

We filed XXXX XXXX bankruptcy on XX/XX/2022. We notified Equifax of a XXXX account currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate Equifax.