davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I received a letter dated XX/XX/2023, that did not address the banks non compliance regarding furnishing me as a former customer private privacy notices/ opt out notices initially and on a annual basis. 

I was supposed to be provided with the private policy notices and opt out notices that XXXX XXXX has failed miserably to be in compliance with GLBA. 

XXXX XXXX could be held liable to pay harsh fines and penalties from {$10000.00} to {$100000.00}. 

You are reporting alledged debts in my name and you are not furnishing me with the private policy notices that I should receive as a former customer according to l GLBA law. 

As a former customer I do not care that you sold these alledged debts that prove I am a former customer under GLBA even though I dispute these debts in their entirety. 

XXXX XXXX XXXX also states the bank is authorized to report information to the credit reporting agencies. 

My reply is I find this to be MISLEADING because it is not MANDATORY for the bank to report anything to credit reporting agencies at anytime. 

Your non compliance makes this information you are reporting not reportable even though you may find these alledged debts collectable Remove both XXXX and XXXXXXXX XXXX alledged charged off accounts that XXXXXXXX XXXX is reporting. 

Reminder : I do not care if you sold these debts, your bank is reporting currently to the credit bureaus debts that due to pennsylvania law that I can not be sued for but under GLBA you must recognize me as a former customer due to your credit reporting. 

I want to resolve this matter without litigation but it is OK with me if you choose to pay {$500.00} an Hour to high priced lawyers to defend your bank.
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (IL)

After I submitted my third complaint stating this is a fraudulent account and that I did not give permission for United Rev Corp to report non accurate information on my XXXX credit report and I have never had a medical debt with United Revenue Corp or XXXX  XXXX XXXX. I finally received the response from United Revenue ( the debt collector ) on XX/XX/2023, case # XXXX stating that they realized that XXXX had made a payment on the account, and they have written off this balance from their records and consider the account to be paid in full. The account has been cancelled from United Rev Corps XXXX and that they have processed a manual credit deletion. 

However, it has been almost 90 days and this same fraudulent account that I did not authorize to report on my credit report still HAS NOT BEEN DELETED. I demand that the fraudulent account is removed from my credit report immediately. Again ... This is not my debt and is non accurate information on my credit report with XXXX. Please remove this as stated in your reply on XX/XX/2023. The company made an error, and this was paid. 

thank you, XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

After a property sale, settlement was made at another bank where the business that I co-own held an account. Once those funds became available, within a day, a check was drafted from this bank to my Wells Fargo business checking account. I deposited this check in the branch on XX/XX/ and asked the teller to confirm availability of funds. She told me that {$250.00} would be available immediately and that the balance of the {$82000.00} would be available on XX/XX/. On XX/XX/ I received a notification in the Wells Fargo online banking portal that availability of funds had changed to a partial on XX/XX/ and then {$76000.00} would not be available until XX/XX/. Checking with the bank where the check was drafted from, I confirmed that the full {$82000.00} had cleared from that bank on XX/XX/. I contacted Wells Fargo by phone and was informed that the extended hold on the funds was due to the amount. I confirmed that Wells Fargo did not suspect fraud and that they were only placing the hold because they could by law. Wells Fargo sent a letter by mail dated XX/XX/ indicating that the hold was " in order to allow time for the deposited check ( s ) to clear. ''
Consumer complaint received 2023-04-20
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: Bread Financial Holdings, Inc. (FL)

Someone stole my personal information and opened a credit card at XXXX XXXX  and another credit card at ComenityCapital/IKEAVC  in my name. As soon as I found out in XX/XX/2023, I immediately called all three credit bureaus, as well as the Federal Trade Commission, to report the theft of my personal information and dispute these credit cards. After investigating, I received a report from XXXX stating that the disputes with XXXX XXXX and ComenityCapital were not changed as a result of their processing of my dispute. The companies that reported the information have certified that the information is accurate. This is a false statement. I have not received reports ( still waiting ) from the other credit bureaus and FTC yet.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Across my credit report I have several companies who have reported late payments on my reports that were never late. As a general rule I do not make late payments. I have disputed these and to no end have not gotten any results. This needs to be corrected. I have not been XXXX nor XXXX nor XXXX days late or late at all all the following accounts. 

DELETE ALL LATE PAYMENTS ON THE FOLLOWING ACCTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE LATE PAY- THIS ACCT WAS CLOSED BY THE COMPANY IN XX/XX/XXXX HOW WAS I LATE IN XXXX AND XXXX? 
XXXX XX/XX/XXXX {$1600.00} 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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Contacted company multiple times starting on XXXX through XXXX with no resolution. Company states they have resolved the issue ( see their response below to last complaint ) however, as of today ( XXXX ) I am still unable to access my information via their website getting the same error message ( see attached ). I've emailed them directly with information to verify my identity and they will no respond. FIX THIS. 

Company Response On XXXX : It is our policy to take each complaint seriously and to respond to complaints swiftly. Your complaint appears to be related to your myEquifax account access. We have completed the review of your online account at www.myequifax.com and we are happy to let you know that the login issue you experienced has been resolved. Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please contact our consumer care department at XXXX between XXXX am XXXX am, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. At Equifax we want to ensure that all of your concerns are addressed ; if you still have questions or require further assistance you may call XXXX ( XXXX ), or send an email to XXXX. You may also visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TX)

On XX/XX/2023 US BANK HOME MORTGAGE DENIED ME A LIAN FOR HOME MORTGAGE BASE ON MY STATE NATIONAL STATUS AS BEING A XXXX AND DIDNOT DISCLOSE IN FULL DETAIL WHY I WAS DENIED YET TO ONLY DESCRIBE THAT THE XXXX WAS COMPUTER GENERATED NOT EXPLAINING IT WAS TOO LOW ETCETERA AS STIPULATED IN THE EQUAL CREDIT OPPORTUNITY ACT. I ALWAYS DISCLOSE MY NATIONAL STATUS TO GIVE CREDIBILITY TO MY NAME IN GOOD FAITH FOR THE SAKE OF COMMERCE
Consumer complaint received 2023-09-14
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (DC)

On XX/XX/2023 I placed an order with a customer service representative at XXXX XXXX for XXXX XXXX Jacket XXXX and the price was {$79.00} and the total price was {$100.00} but I received a message card company that the transaction was unsuccessful and for me to contact the merchant but, when I called back they were closed. They charged me {$100.00}
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, EXPERIAN ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Consumer complaint received 2023-07-12
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: Bread Financial Holdings, Inc. (VA)

The following companies have been contacted in reference to inaccurate information, inaccurate furnishing of information and or FRAUD under my name. XXXX and XXXX are reporting accounts from Comenity Bank/Victorias Secret XXXX XXXX XXXX XXXX Bread XXXX  and XXXX XXXX XXXX XXXX Any accounts from XXXX XXXX XXXX  and Comenity Bank need to be deleted from my credit profile as soon as possible. The unfair and inaccurate reporting is causing harm.
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: EQUIFAX, INC. (FL)

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 2020-11-19
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: CORELOGIC INC (FL)

The following hard inquiries should be removed from my credit report : XXXX XXXX from XXXX XXXX. Credco from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (UT)

THE DATES ON THESE 2 ACCOUNTS REMAIN INCORRECT!!! I HAVE CIRCLED THEM AND WROTE IN THE CORRECT INFORMATION! WHAT MORE NEEDS TO HAPPEN???? THE CREDIT STAFF AT OPP LOANS IS COMPLETELY INCOMPETENT & ILL TRAINED IN HOW TO REPORT ACCURATE CREDIT INFORMATION! YOU ARE NO BETTER! 

THE DATES ARE WRONG!!! LAST TIME I INTEND TO DISPUTE THIS! OPP LOANS REFUSES TO ACKNOWLEDGE THIS IS ABOUT THE DATES NOT - THE - LOAN - AMOUNTS!!!!!
Consumer complaint received 2023-11-03
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (VA)

I received two letters that were dated in XXXX stating I was past due. One letter stated I was 35 days past due and the second letter stated I was 25 days past due. I emailed customer support XX/XX/XXXX and they responded that on XX/XX/XXXX they only received a partial payment for XXXX causing me to still owe them. I looked on my payment history and contacted the XXXX XXXX who sends a monthly payment to them of XXXX monthly and they sent me a copy of all cashed checks mailed from them and none of the amounts were for XXXX and my upgrade payment history didnt show any payment for that amount was posted to the account. I sent the copy of the transaction ledger proving they have received all full monthly payments before the XXXX of the month. They then responded saying I missed a half of a payment on two different months which was untrue. I called the support number and spoke to XXXX who said I was set up on biweekly ACH drafts and when I started making monthly payments I missed a month where I would have gotten paid 3 times in a month and I only made 2 half payments instead of 3. I asked for documentation I signed stating it was contracted I have to pay bi weekly payments. He did not provide it and said I should have a copy. I advised the Truth in Lending Disclosure I was giving does not state anything that he was implying. I also asked for a signed copy of the contract I signed and he did not provide any information other than I owe 2 half payments. I asked for a supervisor and was transferred to XXXX who advised the same information already given from XXXX. I advised this is impacting my credit negatively and he said it wasn't because they do not report until over 30 days past due and claimed I was 25 days past due because I didn't make bi weekly payments and told me I needed to send him proof it hit my credit. He said he could offer me a hardship deferment to get my account back up to date. I told him I was not behind and I asked if the calls had been recorded and he said yes. I asked if they had copies of the email correspondence and he said yes and my account had been notated.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$95.00} Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The company has failed to provide comprehensive and compliant responses to my requests for debt validation, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. Importantly, I wish to highlight that they received both of my validation request letters, dated XXXX XXXX XXXX, and XX/XX/. In these letters, I explicitly requested the necessary information to validate the debt. Despite acknowledging receipt and providing responses, the information supplied remains insufficient and does not establish my connection to the alleged debt. Given my history of compromised personal information due to online security breaches, it is imperative that Resurgent Capital Services L.P. provides substantial proof, especially in light of the continuation of reporting that appears to be fraudulent. There is no photographic identification or any other evidence demonstrating that the debt is indeed mine.
Consumer complaint received 2023-04-20
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX
Consumer complaint received 2023-09-21
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)

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 account below : XXXX XXXX XXXX : {$400.00}
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Despite my persistent efforts to resolve this matter, both with the creditors directly and through your bureau, I have encountered nothing but obstacles. The lack of information provided to verify these alleged debts is not only unacceptable but a blatant violation of my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I demand an urgent and thorough investigation into these discrepancies. Due to the absence of credible evidence to validate these debts, I insist on the immediate removal of the aforementioned accounts from my credit report. The dubious accounts in question are as follows : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. Please delete these fraudulent accounts from my credit ASAP.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 21ST MORTGAGE CORP. (OK)

In accordance with the Fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose