davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (NV)

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo took out over XXXX worth of overdraft fees for payment that were already processed. 


This does not include dipping in my trust fund that included XXXX of my trust money disappearing then being locked out of my account and then wells Fargo stating that they dont know what happens to it.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-09
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. (WA)

I am disputing the inaccurate credit reporting by XXXX XXXX on my account # XXXX. On XX/XX/2024, I sent XXXX a detailed letter identifying multiple violations of the Fair Credit Reporting Act ( FCRA ) in how they have reported this account, including : Including ambiguous " Payment after charge-off '' remarks that do not clearly explain my payment obligations, violating FCRA 623 ( a ) ( 5 ) ( C ).

Charging off the account prematurely after only 6 months, despite no delinquencies on my credit report, raising questions about the validity of the default status under FCRA 623 ( a ) ( 5 ) ( A ).

Reporting a balance of {$1800.00} that exceeds my {$1500.00} credit limit, without any explanation if I had agreed to over-limit balances, in violation of FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements. 
I requested that XXXX remove this account from my credit report within 30 days, as the information can not be verified as accurate. Their response on XX/XX/2024 failed to address my specified disputes, simply stating that I provided " inadequate information '' and that my claims were " baseless. '' They refused to remove the account. 

In follow-up correspondence, I provided detailed citations to the specific FCRA provisions being violated. XXXX again dismissed my disputes as " frivolous '' without conducting the thorough investigation required by FCRA 623 ( a ) ( 8 ) ( E ) ( i ). 

XXXX ' continued refusal to correct blatantly inaccurate credit reporting, and their failure to properly investigate legitimate disputes, represents clear, willful noncompliance with the FCRA. Therefore, I am forced to escalate this matter by filing complaints with the CFPB, FTC, BBB, and state attorney generals. Mobiloans must be held accountable for these FCRA violations that are damaging my credit profile. I demand that this account be promptly deleted in its entirety.
Consumer complaint received 2023-03-17
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: Maximus Federal Services, Inc. (MD)

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( XXXX ) this the DEPT OF ED/ AIDVANTAGE and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$5400.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification and validation of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Consumer complaint received 2023-11-09
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-18
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: The CBE Group, Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX is stating that I owe XXXX this information is false XXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX is stating that I owed XXXX this information is false
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I comprehend that under FCRA XXXX, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
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 — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank continues to display unethical practices. Attached I have two different credit reports. One from XXXX and one from XXXX. Both directly from each credit bureau and both show completely different information. On XXXX they are reporting the account as written off. I advised them I never received a Form 1099-C for the {$600.00} or more of a debt owed to them. Because they know I never received the 1099 from them they have attempted to update the file with sold to another company. I have kept a paper trail and I am more than willing to take this to court. 1099 C forms are supposed to be mailed by XX/XX/XXXX of the following year to recipients. It is now XX/XX/XXXX of the following year. The debt was closed in XXXX of XXXX and written off as a loss per my credit report. Which wasnt even updated until XXXX of XXXX. This could have caused a tax liability on my part. Also there are inconsistencies on reporting with each bureau. Either delete this from my credit or I plan on taking this to court!!! There have been several class action suits towards this company for their deceptive practices.
Consumer complaint received 2023-07-06
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX. 

This account was reported as ID THEFT XX/XX/XXXX. 

This account was DELETED from my report in XX/XX/XXXX. 

See attached DELETE CONFIRMATION. 

This account has RE APPEARED on my report.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (NC)

When I view into my credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX : {$5800.00}
Consumer complaint received 2023-04-21
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. (NC)

When I view into my credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX : {$5800.00}
Consumer complaint received 2023-11-09
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. (GA)

I am writing to dispute these fraudulent charges on my accounts. 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 accounts. 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.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

This Case is DISMISSED by COURT dated on XXXX XXXX XXXX 
by Dismissal the WHOLE Case, that mean The Plaintiff LOSE the case and they don't have any rights to ask me for any charges. and I submitted all PROVE documents that I NEVER notified by this amount neither before nor after the case Dismissal.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2021-06-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I am currently XXXX XXXX military. I enrolled into XXXX university paying for my tuition using my XXXX XXXX. XXXX. It was never stated that due to me being XXXX XXXX my XXXX XXXX would not cover the entire balance of my tuition. Once I was XXXX and disenrolled in the university I received late statements stating I owed the University tuition fees. After going back-and-forth with the Finance office I was told and have a statement saying that once Payment was made that the negative report will be removed from my credit and the account will be in a satisfactory condition. After I made the final payment the negative credit mark was left on my report. I have dispute it the count on numerous occasions and the creditor has not honour the obligation made with the University.
Consumer complaint received 2023-06-18
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. (GA)

I am not responsible for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not prove me with a contract as requested.
Consumer complaint received 2024-05-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

I have kept all these cards in my house had plans to use it towards my wedding because I was relocating but to my surprise all the cards have no balance or few cents, this card has never left my room, as a service member I have always learnt to protect myself and my country I kept it in my safe and this safe has a passcode,, the only way I ever checked my balance was through the phone service ( XXXX ) it is incomms duty to protect their customers, if incomms phone service has been hacked or clone they need to do something about it, at this point I do not want a gift card I want my refund check of {$2300.00} I want to get into the bank, have myself verified in person, I want my refund check expedited and shipment tracking number provided to me, I have attached all images
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist LVNV Funding LLC
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX I called Chase to pay off my credit card balance. I spoke with customer service and told amount and made a payment for that amount. I received a bill the following month for interest charge. I wrote to the company on XX/XX/2023 and disputed the charge. Chase responded and refused to remove the interest charge. I have responded back to Chase in writing stating that I still disputed the charge. 

In short I contacted Chase, received a payoff amount, made a payment in that amount on XX/XX/2023 and I consider the account paid in full. 

I have attached the letters sent to Chase.
Consumer complaint received 2024-04-09
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)

Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( TransUnion, XXXX XXXX XXXX ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (CA)

The following accounts are not mine and unverifiable. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.
Consumer complaint received 2023-06-22
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Investment Exchange, Inc. (TX)

I have disputed this account for years. Each time I dispute, the origin year is updated. Thats incorrect. This acct was opened in XXXX, closed in XXXX yet, its reflecting open in XXXX!! Thats false information.
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.