davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (TX)

XXXX XXXX XXXX resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, XXXX  maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I never completed a XXXX XXXX bankruptcy, and there 's no reason it should even be on my credit report. I was told this would never show because it was dismissed and never filed due to the fact that I did n't have the most recent Tax Return to complete the process so it was dismissed. This should be removed immediately.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America put a debit/hold on my account on XX/XX/2023 for XXXX causing me to have a couple XXXX left in my account. Being a college student and paying for my own schooling out of my pocket I had just paid my tuition which is quite a bit already. I had just got paid so now I have to wait another two weeks unless Bank of America debits my account back. I called them but was put on hold to where no one answered and I had to go to work. There customer service is awful and hard to reach most of the time.
Consumer complaint received 2022-10-28
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX regarding 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
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX XXXX. Experian credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.
Consumer complaint received 2023-10-13
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2021-01-21
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. (NE)

The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all 3 of my bureaus to reflect a XXXX  balance and a XXXX  payment.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

XXXX of the XXXX : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt. 

Proof of Authorization : If this charge is related to a contract or agreement, I request proof that I authorized this charge or agreed to the terms and conditions. Please provide any documents that demonstrate my consent or agreement.
Consumer complaint received 2023-04-19
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. (NY)

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 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

The personal information listed is incorrect. The employment information is incorrect. The previous addresses listed are incorrect. 

Please remove all previous addresses listed on the credit report as it is a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2023-10-13
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. (TX)

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 2020-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

After the federal government past the stimulus bill making funds available for small business owners, I contacted Wells Fargo. Wells Fargo instructed me that I had to wait until their information appeared on their website before I could apply. I called twice and spoke to two separate individuals regarding the process. I have been waiting for the application process to appear on their website. It never did. This morning, Wells Fargos website said they were not accepting any more applications. I called and they stated the application process was closed. So there must have Process other than what was stated by their representatives. Again, no information on how to apply appeared on their website. I am a customer of Wells Fargo and even though I can apply to other institutions who are still have the process open, they will not allow you to. They are only taking applications from their customers. Which means I have been left out of the process by my bank. I believe that it was unfair practice and the information was not clear and understandable. And there are many other in my situation, who are not able to apply. Upon contacting Wells FargoI was told I was out of luck.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 XXXX
Consumer complaint received 2023-11-13
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. (OH)

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. As it was follows. 


XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-04-26
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. (UT)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (GA)

I called the XXXX XXXX XXXX XXXX Lexis / Nexis Reporting ) on XXXX to request a copy of the information they submitted to Social Security in regards to my adult son who is XXXX. I am his rep payee and legal guardian. I was asked to submit proof of identity etc. via an email which I did that same day by scanning all requested documents and providing all requested information. No one responded. I called again on wednesday XX/XX/XXXX and was told that someone would respond within 24-48 hours. No one responded. I called again XX/XX/XXXX at XXXX XXXX and again they asked for all the same information and said i would be contacted in 24-48 hours. I have asked for a different department but the overseas operators who are hard to understand refuse. My sons resources are being recouped as overpayments due to incorrect information supplied by this XXXX service, the details of which I NEED IN ORDER TO DISPUTE IT WITH SOCIAL SECURITY. I am being given the run around and it is UNACCEPTABLE. Consumers should have a recourse and they should be penalized for irresponsible reporting AND refusing to respond to requests at all. 

Case # they provided to me is XXXX and my son is XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

This account was transferred from XXXX department of education to Nelnet. I submitted an account discharge request and it was approved. They took off {$50000.00} from my loan and they stated that I need it to pay the difference of the amount that was not approved so I submitted those payments and its showing now that I have a balance due of {$2500.00} when the correct amount should be XXXX and closed account.
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (MI)

I was a front line worker, XXXX, during the start and first year of XXXX. I ended up getting very sick and could not pay my housing. I was forced to apply for a loan through a payday loan service. However ; I was not aware that these loans are predatory lending centers with unfair, deceptive, and abusive loan terms that can trap borrowers in a cycle of unfair debt. After speaking with the representatives, and explaining to them that I could not afford the loan, I was not allowed to give it back the next day when I called. This company is unprofessional, predatory and should be illegal. This needs to be removed immediately from my credit report.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (GA)

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

The other day, I got a collections record on my XXXX credit report for a debt I owe to CEDARS BUSINESS SERVICE for the XXXX XXXX XXXX XXXX. While I was a student there a long time ago I am no longer. I received a full ride for my education there, with the rest covered by student loans I already paid off. There should be no additional balances. 

I tried disputing it with XXXX, but the dispute got denied. However, I have received no additional documentation at all, by letter or otherwise. I am not interested in reaching out to them directly, as this would restart the statue of limitations ( even if it is for something I should not owe, nor is mine ). 

If they can not provide a WRITTEN SIGNATURE of me agreeing to pay whatever this balance would be for, I would request this be removed and these unfair debt collection practices cease at once.
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE REQUESTED TRANSUNION SEVERAL TIMES THE LATE/MISSED PAYMENT BE REMOVED FROM MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ALSO FOR PERSONAL LOAN. THIS IS A DEFLAMATION OF CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
Consumer complaint received 2023-06-07
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. (CA)

I am disputing this account once again for inaccurate information. The notice of dispute is missing from my previous disputes, which means no investigation was ever done. Thats is a violation. I also notice the payment history isnt correct either. I also have a Credit repair company helping with this account. Either it gets deleted or Ill be forced to file small claims.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX