davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (MO)

Despite of my previous complain, again, I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. As I reviewed my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$350.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2023-05-22
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. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Partners, LLC (IN)

On more than one occasion. Recovery Partners contacted my wife about a debt they were trying to collect. At no point did Recovery Partners attempt to contact me directly to see if it was okay to even discuss this with her. This agent told my wife many times that he should not be discussing this debt with her but proceeded to anyway. He knew what he was doing was wrong. The first time was months ago and then the most recent times included XXXX XX/XX/2024 and today XX/XX/2024. My wife said she insisted on trying to get me on the phone so we could all discuss this together but he refused to allow her to do that. My wife helps me with talking on the phone because English is not my first language. I speak English fluently but it may be hard to understand on the phone. That is why she was the first contact on the file that XXXX sent to Recovery Partners. The agent on the phone told her we needed to pay XXXX in installments because XXXX was unable to collect from my old employers commercial insurance policy. She gave him all the information he needed to correct this ( it was a mistake ) but he refused to accept the information she provided and got her very upset. She suffers from a neurological condition and stress/XXXX can trigger XXXX if we are not careful. I was worried she would have a XXXX with how upset she got after the call on XX/XX/2024 with this agent. She attempted to call me many times while I was working and was not able to answer right away. I then got a call from my old employer stating how upset and scared my wife was because this collections agency has made her believe that we need to pay {$10000.00} right away or they would take legal action that would take away my drivers license and could impact my case to get a XXXX XXXX. By the time I spoke to her on the phone, she was crying and upset that I would be taken away from her. After talking to my wife, my ex-employer, XXXX, and XXXX about the issue it appears to be getting resolved. Today though, the same agent contacted my wife yet again instead of me to attempt to collect. He was completely unaware that XXXX and XXXX were fixing this and that Recovery Partners would not be contacting us about this. She told me she recorded that phone call after the last time. She told Recovery Partners that both XXXX and XXXX are connected now, that XXXX apologized for the mistake and said it should not have gone to collections and that they are working with XXXX to fix this. That call was short. So in the end, Recovery Partners made it sound like they are a branch of XXXX XXXX, refused to contact me directly to discuss this, and put it all on my wife to try and clear this up and set up a debt payment arrangement. They also called her at XXXX on XX/XX/2024.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXX XXXX - XXXX {$0.00} XXXXXXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX XXXX  {$2700.00} XXXX XXXX  XXXX {$0.00XXXX XXXX - XXXX {$0.00}
Consumer complaint received 2023-05-22
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2023-05-22
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. (TX)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services (IA)

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in a FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX entries for {$1800.00} on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coastal Capital Processing, LLC (MO)

The company Costal capital mediation are harassing me twice a day on my home and my cell phone. They are threatening me with a civil suit in my state. They are not listed online and have no rating with the XXXX. They have my Social and my city that I live in. I do not owe anything on this debt. It is something that was 18 years ago and was settled. I would like them to stop harassing me. Each company is trying to get ahold of me to collect on something. This is the 4th company that is harassing me with this old debt. I read reviews and it is the same conversations that they have with everyone else. It says to call XXXX XXXX from the Legal department at XXXX. There is no such number.
Consumer complaint received 2023-10-30
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

I was setup for auto-pay with Wells Fargo . I received a credit alert from XXXX of a 30 days late payment. I contacted Wells Fargo to inquire of the credit report and ask how I could be late if I have auto-pay. Wells Fargo telephone rep stated my autopay was removed and confirmed that they would not notify me. So the due payment was not taken. The rep stated I could just check my bank account to confirm payments are posted. I stated thats why I setup autopay so I wouldnt have to track payment due dates. I filed a dispute for inaccurate reporting. XXXX stated Wells Fargo certified their info was accurate. THEY LIED! They did not report the auto-pay drop off info. The dispute process with XXXX is worthless if they just accept whatever a creditor says, even when lying. Wells Fargo did drop my autopay status without informing me. The rep told me as much. At the time of the phone call, I paid the amount due and reset my autopay status. Their inaccurate report has hurt my XXXX score significantly. Ive dropped from an XXXX XXXX score to currently XXXX. I need intervention to make Wells Fargo fix this matter!
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: EQUIFAX, INC. (GA)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (LA)

My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute RS 29:312, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (GA)

Payment history is transaction history, which per 15 USC 1681a ( 2 ) speaks on exclusions from the consumer report. It states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is a violation of my consumer rights! Per USC 1681b speaks on permissible purposes of the consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, THE CONSUMER, MUST GIVE WRITTEN CONSENT TO ADD ANYTHING TO MY CONSUMER REPORT WHICH I DID NOT GIVE ANY CONSENT TO FURNISH ANYTHING ON MY REPORT, WHICH MEAN THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT. According to the Privacy Act of 1974 the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his EDUCATION, FINANCIAL TRANSACTIONS, MEDICAL HISTORY, AND CRIMINAL OR EMPLOYMENT HISTORY AND THAT CONTAINS HIS NAME, OR IDENTIFYING NUMBER, SYMBOL, OR OTHER INDENTIFYING PARTICULAR ASSIGNED TO THE INDIVIDUAL. Section B talks about Conditions of Disclosure which again I THE CONSUMER MUST GIVE WRITTEN CONSENT. Furthermore, per the IRS Publication a charge off is considered a certificate of indebtness which makes it income. INCOME CAN NOT BE FURNISHED ON A CONSUMER REPORT AND MUST BE DELETED. The failure to correct these inaccuracies have caused significant emotional and financial harm, affecting my ability to obtain credit and secure favorable interest rates.
Consumer complaint received 2023-10-30
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

As a summary, the following reasons to amend my credit report are supported by the appropriate Consumer Financial Protection Bureau U.S. Code of Title 15 On going written complaints, disputes and calls trying to clean up credit report. Have asked several times for verification. From XXXX with no response 1. Information is too old to be on a credit report. 2. The account payment history is incorrect. 3. Creditor agreed to delete account from the credit report. 4. Several addresses do not belong to me. 5. Incorrect status The statutes supporting my disputes are : I. USC 1681 a 4. Right to privacy II. USC 1681 a 2 Exclusions paragraph iii III. USC 1681 b e. False information IV. USC 1681 b Did not use a manner which is fair and equitable to the consumer in reporting negative allegations without permission. V. USC 1681 b a2 Need written permission. VI. USC 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately. VII. USC 552a ( i ) ( 3 ). Failure to maintain any records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness. VIII. USC 16812s-a Medical bills IX. USC 1692c. Consumer notification X. USC 1681a Charge off. Rules of construction. Paragraph 2 section iii XI. USC 1666B9 ( a ). Late Payments
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

I received a credit alert email on XX/XX/2023 from XXXX that my credit was negatively affected by a debt of {$28000.00} to Rent Debt Automated Collections on behalf of XXXX ( unknown spelling ). I have no relationship with either of the above companies - my identity was stolen for this account. 

I called RDAC and they are sending me a fraud packet to complete. I will also file a police report. I have no contact information for XXXX.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers. 

I would appreciate it if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
It will ensure the database has accurate information about me.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On or around XX/XX/2024 I made a mobile check deposit, it was not until after they approved the deposit did I know that I would have no access to any of the funds for SEVEN days. This check was written by my husband from his personal account to cover utility payments that were past due because of a financial issue we are currently working out of and grocery shopping as we had no food left in our home. I would have never approved or this deposit if I knew before they processed it that I wouldn't have access to the funds for seven days. My bank immediately removed the funds from my husband 's account and we were left in limbo without any access to money, after 48 hours I decided to call my bank and they told me there's nothing they can do about it, so I pushed to speak with someone else... the second person I spoke with agreed to release the funds after I was emotional about not being able to feed my family. When she came back on the line I questioned the legality of this as I have been informed the the Federal Reserve laws state a portion of the funds should have been released after 48 hours and I would have been fine with a portion to feed my family. The girl really pushed my buttons and I admit I was not my best self in that moment and lost my cool l would like to apologize for that. The bank informed me by email today that I'm not longer a customer as of 30 days from now for life due to abusive behavior. I feel abusive behavior is a strong statement, do they close the accounts of every frustrated customer who yells? Can they take any accountability for themselves that if they weren't holding my money from me then it wouldn't have escalated and mostly is this even legal to hold someone's funds they clearly have for seven days?
Consumer complaint received 2023-02-27
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.