davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (CA)

XXXX XXXX XXXX This account is in clear violation of federal law. i have no obligation to pay a debt collector and amount that is alleged until proven otherwise. but they have committed identity theft because i never gave them authorization to give away any of my information. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

I have sent an order for a cease and desist I am using this site in place of a law suit this will serve as my final warning to this company Ive sent in a cease and desist! Please get them to adhere to the federal guidelines
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

I have filed 4 separate disputes starting on XX/XX/19 again on XX/XX/19, XX/XX/19 and XX/XX/19 with XXXX regarding this account that is from a debt collector credit systems. I have asked for written information regarding the account and have not received any thing from either XXXX nor credit systems. Action has been taken only by myself.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX  Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MN)

My mortgage company sent me a letter stating an error may have occurred when my loan was considered for payment assistance options and a check for {$200.00}. The error which occurred is not OK with me. It resulted in foreclosure and the loss of my home.
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. (MI)

I looked at my report back on XX/XX/2024, and noticed my personal information was incorrect. I have multiple variations of my first name and last name and my address. My phone number and job history is not correct. I have attachments that will show you inconsistent information. 
Address XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX These address are not valid and should be deleted immediately
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed immediately!
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My car was total lost in the Florida flood on XX/XX/2023 and XXXX insurance paid my car off in full. It was never late. I contacted the merchant several times and provided them proof and still no updates.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (AL)

LVNV FUNDING IS NOT LICENSED TO COLLECT ON DEBT IN THE STATE OF ALABAMA Account : XXXX  XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

XX/XX/XXXX : Mohela placed my federal student loan account on administrative forbearance. 
XX/XX/XXXX : Mohela charged my checking account {$390.00}. 
XX/XX/XXXX : I spoke with representative requesting a refund ; he said I was not eligible because my account had been on processing forbearance, not administrative forbearance. I had to show the letter dated XX/XX/XXXX stating I was on administrative forbearance, not processing forbearance. Customer service representative hung up on me. I called back and a different customer service representative requested the refund to my checking account in the amount of {$390.00}. 
XX/XX/XXXX : I called to get an update on my refund and was informed that the refund was processed on XX/XX/XXXX and returned to my account. It was not. I requested documentation stating that they had returned the funds to my account on XX/XX/XXXX and was informed they would not provide that documentation. 
XX/XX/XXXX : I submitted a complaint to Federal Student Aid Complaint Center. I received acknowledgement they received my complaint and will respond within XXXX  days. 
XX/XX/XXXX : I received an update from FSA that they are still reviewing the case and will respond within XXXX  days. 
XX/XX/XXXX : I have still not received a refund of {$390.00}.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (IL)

Discover abruptly closed my secured card, on the very month it was going to be moved to unsecured and my security deposit refunded. They claimed I did not prove identify verification and also claimed they sent me emails, I even asked the date they supposedly sent these and I did not recieve XXXX notice or request of information from them. They have also kept my security deposit, and continued to try to take a final payment from my account ( attempted to process a few times, when I had already paid the account in full. ) I was told I would get my deposit back in the mail but it looks like the absorbed it, by taking {$150.00} from a payment that failed ( because I no longer owed them ) they added a new {$150.00} balance to my account and seemed to have pocketed my deposit. This tanked my credit score, and it is all too convenient that they did this after I complied with the XXXX  months of good payment history.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-05-21
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. (VA)

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX has 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 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 2023-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AL)

I created an accelerated savings account with Citi Bank, the account was originally going to be funded by another account I had with XXXX XXXX XXXX, I made two transfers, one for XXXX and another for XXXX XXXX thought this was fraudulent activity and reversed the transfers, they said I could only transfer the money to by every day checking account with XXXX XXXX so I transferred all of it to XXXX XXXX and closed the account with XXXX XXXX XXXX. Then I moved the funds from XXXX XXXX to Citi. This morning XXXX  I tried accessing my citi account and could not. Then when I contacted them they said they could not help me or give me any information about my account there, that I would receive a letter in the mail. They are holding about XXXX of my money and not giving me access to it. This is extremely frustrating as this is all of my savings
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received the email that my bank account was closed on XX/XX/XXXX, I asked customer service the next day when I would receive the check for my refund, customer service told me that I would receive it within seven days, but after seven days I didn't receive the check, and I didn't receive any information in the mail ( i.e. XXXX XXXX and tracking number ). I have rent due XX/XX/XXXX, and almost all of my money is in that account, so I need to receive the check as fast as possible.
Consumer complaint received 2023-04-17
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-28
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. (MI)

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 604a section 2 ). It also states a consumer reporting agency can not furnish an account 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. 
Please see the inaccurate reported late payments below : XXXX. Account name : XXXX XXXX  Account number : XXXX Late payment reported on XXXX XXXX XXXX 

XXXX. Account name : XXXX XXXX Account number : XXXX Late payment reported on XXXX XXXX XXXX  XXXX. Account name XXXX XXXX XXXX Account number : XXXX Late payment reported on XXXX  XXXX. Account name : XXXX Account number : XXXX Late payment reported on XX/XX/
Consumer complaint received 2023-05-21
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. (MI)

Transunion keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to Transunion, XXXX and XXXX repeatedly and they show complete disregard for the law. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureaus show no respect for the laws. They need to be held accountable. Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.
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 — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-05-21
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 reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks