davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (FL)

Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$44000.00}.
Consumer complaint received 2023-05-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Options Equifax Inc. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX -XXXX  XXXX ( finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I have been called at least once a day from different phone numbers ( all from different area codes ) all tracing back to mercantile adjustment bureau. They never respond and always hang up XXXX seconds after I answer. I told the original caller that the information was incorrect and that it was in dispute, however they still call repeatedly.
Consumer complaint received 2023-05-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to express my disappointment and frustration with your disregard for federal law and your failure to comply with my dispute letter and follow-up letter, both sent through registered mail on [ date of dispute letter ] and [ date of follow-up letter ], respectively. Despite receiving both letters, you have yet to fulfill your duty as mandated by law. This non-compliance is unacceptable and contemptible, and I am left with no other choice but to file a complaint with the Federal Trade Commission ( FTC ). 

As you are aware, federal law requires you to respond to dispute letters within 30 days. Your non-response is a violation of the regulations set by the FTC ( see 15 USC 41, et seq. ). I have documented all my communications with you on this matter and will file a complaint with the FTC should you continue to neglect your legal obligations. 

I remind you that your willful noncompliance may result in liability, as in the case of XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ). 

For the record, I have informed you on two separate occasions, more than 75 days and again 40 days ago, that the following information on my credit report is inaccurate and incomplete : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX I request that you immediately remove this erroneous information from my credit report. Failure to do so will result in a formal complaint with the FTC. 

If you continue to disregard federal law, I will pursue legal action for recovery of damages, costs, and attorney fees. I am keeping a detailed record of all my communications with you, including your non-response and noncompliance. 

Please provide the name, address, and telephone number of each credit grantor or other subscriber as required by federal law. You had 30 days to complete your re-investigation, yet you have failed to respond. I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your re-investigation. 

I hope to resolve this matter quickly and amicably. Please contact me at the telephone number above to confirm receipt of this letter and to discuss the steps you plan to take to correct the inaccurate information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

My XXXXbranded credit card was moved from XXXX XXXX to CapitalOne last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

CapitalOne agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a CapitalOne error.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

am writing to bring to your attention a matter of grave concern regarding my credit report. Upon careful examination, I have discovered unauthorized inquiries listed on my report, indicating potential identity theft. 

As a responsible individual, I regularly monitor my credit activity to ensure its accuracy and integrity. However, the presence of these unauthorized inquiries has raised significant alarm and distress for me. It is evident that my personal information may have been compromised, leading to these fraudulent inquiries.

I take this matter very seriously and am deeply troubled by the implications it may have on my financial well-being. Identity theft is a severe violation of privacy and trust, and I am committed to taking all necessary steps to rectify this situation and protect my personal information from further misuse.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Inaccurate mailing address and home telephone number are on my credit report. 

Please correct my home telephone number on my report to reflect the new number : XXXX Please remove the following address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I wish to practice my right as a customer of Wells Fargo to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with WELLS FARGO. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to WELLS FARGO respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of WELLS FARGO to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with WELLS FARGO, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Consumer complaint received 2024-03-22
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of InquiryXXXX
Consumer complaint received 2023-11-04
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: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-24
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. (TX)

XXXX, Equifax, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX  which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (ID)

seen this brandsource card could buy something from there stores and make payments they send a card all i could see was brandsource thought they were the finance company thats how it sounds bought a mattress from a local store missed a payment didnt know it was citi bank so i get a email from brand source but was actually from citi ok i paid it and ask for a copy of this agreement that i signed with citi they sent me there type up card agreement with no authorization any where from me into a contract with citi XXXX so my complaint is how do i have a contract with XXXX bank for something i never asked them for and they have never granted me anything from XXXX ever and there letter says they consider this matter resolved very shady brand source never mentioned XXXX i thought my account was with them you have to sign in and be approved for brand source as far as i know i signed nothing with XXXX or brandsource if that matters
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-24
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. (GA)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX 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 : 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 any consumer reporting agency if the person knows or has reasonable to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

In review of my XXXX credit report on XX/XX/XXXX, I noticed a " Collection '' account being reported by IC System Inc. 

I do not know who this is and why they are reporting a collection on my 3 credit bureaus credit file. I have not received any communication form them in any for or fashion. Furthermore, they have violated my consumer rights under the Fair Debt Collection Practice Act Regulation F. This law was enacted on XX/XX/XXXX and clearly states that Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. 

This company has not done the above and should remove this account from my credit files.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I have reached out about this issue multiple times. They keep reporting old information that is more than ten years old to my credit report. XXXX XXXX XXXX was paid this new company added it to the report as open again I have not banked with XXXX XXXX XXXX since 2016. I also have seen many Many inquiries of which I havent personally done. My late grandmother had the same exact first and last name, I believe this is fraudulent. I dont have a vehicle or a home, Ive never had the credit to own a home, yet it shows inquired or having such. In the credit report, it says it is open, but it is not. The older reports I saved over many years, demonstrates that it was from 2016 and is over seven years ago. My credit score hasnt been near the XXXX or close to XXXX, its so frustrated since Ive started building credit Ive been denied housing, loans, cars, and much more because all three credit bureau cant handle reporting and following the law. Equifax, XXXX, and XXXX havent been reporting or updating their data and my file for many years and its demonstrating how incredibly negligent they have been with my information. I was also part of a data breach from XXXX and Equifax and I was supposed to be give 2-3 years of free credit monitoring and assistance with fraud and I never received ANY response or free monitoring ; I have been paying for XXXX monitoring services. Im really disappointed, if they arent doing their jobs correctly what is the point of consumer credit? Just the basics is hard for all three bureaus.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Dave Operating, LLC (PA)

I cashed out {$5100.00} from XXXX to my online Dave banking account on XX/XX/23 at XXXX XXXX. The money was not received as Dave advised the transaction rejected due to being over {$1000.00} limit. Dave advised the amount will be returned to the sending party. XXXX has not restored funds nor assisted with the locating the missing funds. I have file complaints, reached out to management and the end result is me being told there is nothing that can be done for the missing XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
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
Consumer complaint received 2023-11-04
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. (FL)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; XXXX XXXX