davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-04-08
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. (TX)

I have been trying to fix the inaccuracies on my credit report for years with Equifax, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to Equifax about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, Equifax sent back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA 15 U.S. Code 5 1681. 

These are the following accounts that were disputed ; 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 ( Original Creditor : XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On AUGUST 17, 2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-09
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. (TX)

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 has violated my rights. Or a list of inquiries : XXXX5 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : XXXX 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 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Credit card number:XXXX Dear Wells Fargo Complaints Department XXXX On Wednesday XX/XX/XXXX, I called customer support line at XXXX and requested credit balance refunds from both of my credit cards : XXXX and XXXX XXXX. The refunds were processed and mailed on a Friday XX/XX/XXXX. On Monday XX/XX/XXXX I received a notification from usps through informed delivery that both checks would be delivered the same day. When I checked my mail I only found one check for {$220.00}, and {$610.00} check was missing. I waited two days and spoke to a XXXX who told me that they did not have any checks for me. Today ( XX/XX/XXXX ) at XXXX I called the same number and reported my check lost or stolen. The gentlemen on the phone told me he was going to put a stop payment on a check and either mail a new one or put a credit back on the account. I let him know that unless checks would be mailed with some sort of tracking I would prefer just a credit back on the account. He then told me that I could come to a Wellls Fargo Branch and request a cashiers check from the credit card balance. I arrived at XXXX XXXX and was connected with a banker XXXX XXXX. She let me know that they could not do a cashiers check and called credit cards services from a bank line. At that time the whole situation took a different turn : the agent and her supervisor ( XXXX ) were completely unhelpful. The lady accused me of lying of contacting the bank prior and XXXX refused to put a stop payment on a check or confirm that it was done, he refused to reverse any fees if I were to take a cash advance from MY OWN MONEY from the credit balance. I spent 2 hours just to get to nowhere. I do have screenshots of both mail envelopes with checks in them that I received on a Monday as a proof. I need my money back and I need it now, as a solution I am requesting either and ACH transfer to my own bank account or allowing me to a cash withdrawal of my own money without any fees. And I want to make sure that stop payment has been placed on a lost/stolen check. 
I also would like you to review my calls that were made to a call center today and all the notes. 

Thank you for your time, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-31
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX Original Creditor : ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid 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. (AZ)

In 2022, my husband and I purchased a house that needed to be updated. I purchased several XXXX dollars worth of merchandise from Wayfair. I paid the card off every month and did not pay any interest except for {$10.00} or so when I returned a XXXX XXXX 

The last time I purchased something from Wayfair was in XX/XX/2022. I received statements from Wayfair in XXXX, XXXX and XXXX which showed that not only did I not owe them any money but they owed me {$19.00} that I had overpaid. Those statements have since been modified so that there is an amount of {$260.00} due but that amount was not on the statements I received. Nor was there any interest charged because the charge was not even on those statements originally. 

In fact the amount couldn't have been on those statements since the first statement I received saying that I owed Wayfair anything was in XX/XX/2022. The Wayfair statement said that I purchased something on XX/XX/XXXX for {$280.00} ( XXXX  XXXX ). Since I had not purchased anything since XXXX, I immediately called Wayfair and the person I talked to had no idea what the charge was for and had me file a fraud complaint. I filed the complaint and eventually Wayfair came back and said I owed the money. However I was able to find out that the {$280.00} was for a XXXX XXXX door. 

So then I did more research and you can see from my credit card statements from Wayfair that I paid my balance of {$280.00} and {$280.00} for a total of {$560.00} ( XXXX XXXX ). Wayfair 's statement says that the amount has been transferred and the payment is complete. So then I called Wayfair back and filed another billing dispute with Citi Retail attaching Wayfairs paperwork stating that I had already paid that amount. Citi Retail sent me a XXXX  XXXX statement and said I got the door and still owed for the door and they would ruin my XXXX credit score if I didn't pay them. 

I know I got the door. It is installed in my house right now. I didn't purchase it on XX/XX/2022 like they are claiming, I purchased in in XXXX and paid for it and a faucet the next billing cycle. The XXXX XXXX statement that they send me shows it was delivered in XXXX ( EXH XXXX ). 

I already paid Wayfair for this door. Wayfair 's credit card statements prove I paid for the door. How can Wayfair make up an amount 6 months after I purchased and paid for it and try to harass me into paying for it again. I will never buy anything from them again. They are not ethical. Please help.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

I made a payment to settle my account on XX/XX/XXXX! I was told after XXXX business days my credit will be updated. I was also generated a letter stating my account has been settled but yet XXXX still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AK)

Today, XX/XX/2021 at approximately XXXX XXXX  I attempted to utilize my Robinhood debit card via my smart watch to make a purchase at a XXXX store in XXXX, XXXX  for a total of {$170.00}. I attempted the transaction twice and both times were declined. Although I currently live in XXXX XXXX, XXXX, I have previously lived in and frequently visit XXXX. Despite this frequent activity, my account was flagged for unusual activity. I received texts, alerts, and emails stating that my account had been restricted and that I could not withdraw or use my debit card. I contacted Robinhood customer support but they refused to lift the restrictions even though I was able to provide all the information they requested, including my birthday, social security number, email address, physical address and a plethora of other questions. The Robinhood customer representative said the only way Id get access again is if I text them a selfie with me and my drivers license, upload a copy of my SS card, send them a copy of my most recent bank statement, and send them an explanation of my most recent deposit. It sounded like a scam but I went through the Robinhood app and escalated it to a specialist/manager before being told they couldnt help me. My account is frozen and my debit card no longer works. I informed them that Im on vacation and dont have an SS card to upload. They told me too bad, that theres nothing they can do. The call center worker also told me that this specific problem happens quite often to their customers. Considering I have around {$7000.00} in the account, and am currently on vacation in another state, I need this resolved quite expeditiously. Any assistance your agency can provide would be greatly appreciated
Consumer complaint received 2023-10-09
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. (PA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

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 XXXXXX/XX/2023
Consumer complaint received 2023-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MI)

XXXX Attempted to update the debit card on file with venmo XXXX our non profit rescue. Learned the account was setup incorrectly by the previous XXXX of the rescue, and the account was frozen. I have been told by Venmo on several occasions that this has XXXX resolved, and should be able to update my account info in order to transfer the money with no avail. There is {$3100.00} in our venmo account that we are unable to access. Venmo has told me that they would need to cut a check and mail to my home, to which they have not. Their customer service is less than helpful and we need our money.
Consumer complaint received 2023-09-20
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. (PA)

I noticed some inaccuracies on my credit report i brought it up to XXXX XXXX and Equifax they told me they were going to take care of the problem but they never did. its effecting my credit report and score.