davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (FL)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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 an 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This complaint submission is in regards to a false credit report by ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and stated they will not cooperate in a Debt Validation. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice in XXXX of 2023 and XX/XX/2023, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, Midland Credit Management are violating my rights and are also causing financial hardship with this debt being reported. This false report by Midland Credit Management has prevented me from gaining access to any lenders due to XXXX XXXX on file. At this point they have failed to provide any competent evidence or any legal obligation and ( Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Consumer complaint received 2021-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo representative called and left a message. I called Wells Fargo and they could not locate the person leaving the message and suspected it was a spam call. A secure email was received and I called Wells Fargo to confirm authenticity and they advised me to send the email to their reportphish email address and never heard back. 

On XX/XX/2021 my business checking and my personal savings account were closed without any notice. I visited a local branch and they could not help. I was advised to call a number that would leave you on hold for a representative for 8 minutes then a recording would say the office was closed due to Covid. 

I received my money via XXXX  a week later. 

On XX/XX/2021 my regular checking account was closed without any notice. This account has my automatic payments scheduled and my paycheck is auto deposited.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My complaint is to report Transunion for horrible customer service and refusing to discuss details regarding my credit report & score. More importantly, Transunion has recently dropped my credit score XXXX points!!!!! I logged into XXXXXXXX XXXX XXXX XXXXo review all three credit bureaus records of my credit reports. NONE of the reports give a detailed account of why my credit scores either increase or decrease with each bureau. ( The XXXX score recently dropped XXXX points. ) I've called Transunion 3 times within the last XXXX weeks to get details on my report and scores prior to the XXXX point drop and the customer service reps would not discuss anything with me. The reps simply told me to look at the online credit report to find answers to my questions. I don't see the point in that when the reports give no details or insight to the activity on my credit reports. The reports are very vague! THIS NEEDS TO BE IMPROVED FOR CONSUMERS. Reviewing vague reports is criminal and limits the consumers ability to build a solid financial future as it relates to credit. The credit bureaus, such as Transunion, are quickly ruining my scores and credit, and I can't get any answers on why or how to fix the problem. I have one revolving account with my bank and 2 XXXX  accounts. I have paid ALL accounts on time over the last 2 years and my credit score continues to SIGNIFICANTLY DROP! XXXX points is inordinate, especially when there is no record anywhere of why! I've worked VERY hard to improve my credit score to above 700. But what is the point if the credit bureaus are inaccurately reporting and inaccurately managing my credit report. It's angering that the credit score points will drop at high numbers, but when a consumer, like myself, does the right things and makes huge efforts to improve credit scores, they increase by one or two points at a time. That is absolutely iniquitous and oppressive! The entire idea of consumer XXXX  scores is criminal and oppressive on its own, but that's another story, for another day. At the moment, I need to know why my score dropped XXXX points, given that I pay my bills ON TIME! And I need to know why the reports don't give thorough details on why scores increase or decrease.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CT)

Department of Education/Nelnet is still reporting inaccurate and unverified late payment information to the Credit Reporting Agencies . I have tried several times reaching out directly to them without success. I demanded as a consumer that pursuant to 15 USC 1666b under the FCRA they can not report late payments to my consumer reports but they are above the law I believe. The refused to prove I was ever late and still haven't removed these late payments.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-23
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. (GA)

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 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXL Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-06-11
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. (OH)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of XXXX This is a violation of the FCRA and is also in violation of reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report therefore any information that is not true, accurate and verifiable is required to be removed.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MN)

My debit card and pin information were compromised on XX/XX/2023. A police report was filed ( XXXX ) on XX/XX/2023. The tracking number is XXXX. All my money from my bank account was stolen through ATM transactions, E-Checks, and an in-person purchase at a jewelry store. There were three ( 3 ) ATM charges for {$210.00}, {$190.00}, and {$100.00}. There were three ( 3 ) check withdrawals for {$1500.00}, {$1000.00}, and {$3000.00}. There was one ( 1 ) {$660.00} charge for an in-person purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. All these transactions were made on XX/XX/2023. I called Chase immediately and reported fraud on XX/XX/2023. They opened two ( 2 ) claims on my behalf for the debit card transactions and the E-Checks. I received temporary credit for the debit card transactions on XX/XX/2023. My claim was approved regarding the check withdrawals. I received a statement from Chase on XX/XX/2023, notifying me that they found the transaction was processed according to the information you provided or was authorized. The Chase Claims Department representative told me that the claim was denied because there were no pin errors during the transaction. Im confused as to why the investigation didnt entail camera footage of the ATMs when the transactions were processed or camera footage from the direct location provided on the statement showing the date of purchase from the jewelry store. I also dont understand how a second form of identification wasnt asked for when three ( 3 ) checks totaling {$5500.00} were withdrawn from my account. The Chase Claims Representative told me there is nothing they could do. I feel like my money is not safe banking with Chase.
Consumer complaint received 2020-12-29
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. (IL)

I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2023-05-11
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
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: LEXISNEXIS (GA)

On XX/XX/2018, I received the response from LexisNexis in regards to my complaint that was filed with the CFPB on XX/XX/2018. My complaint was how XX/XX/XXXX verified information that appeared on my credit report through LexisNexis. The information was of a Bankruptcy with docket number XXXX. In their response, LexisNexis stated that they verified all of the information about this case docket via a third party database known asXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was done in violation of the Fair Credit Reporting Act. The Fair Credit Reporting Act clearly states that any information contained in a credit file, to include XXXX XXXX, must be verified through the original furnisher. The XX/XX/XXXX system, while maintained by the Federal Government, is still classified as a third party furnisher under the Fair Credit Reporting Act. This was affirmed by XXXX XXXX XXXX XXXX XXXX BANK, NA. The original furnisher would and must be the Court where the legal action was filed. In their response, LexisNexis also stated they matched the last four digits of my social security number and my year of birth from information provided to them byXX/XX/XXXXhis is insufficient given that all information contained in a credit report is to be one hundred percent accurate and one hundred percent verifiable. Based upon the response from LexisNexis, the information was not verified to be one hundred percent accurate, it was merely based upon a preponderance of the evidence. This does not meet the burden of one hundred percent accuracy. LexisNexis has also shown in the past they believe they are not considered a Credit Reporting Agency but according to the Fair Credit Reporting Act definitions they clearly are. They broker information that is used to determine creditworthiness for profit. Therefore LexisNexis must comply with laws as set forth under the Fair Credit Reporting Act. I am attaching a copy of the response from LexisNexis and a response received from the Clerk of Court.
Consumer complaint received 2023-05-11
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items below : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2023-07-11
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)

I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under both federal and state legislation. 

I am aware that the inclusion of major factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that certain items in my credit report are unrelated to any transactions I have personally conducted. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. 

If you believe that I have indeed received the goods or services in question, I kindly request a senior official from your company to verify, under penalty of perjury, that I have indeed obtained them. It has been unlawful for these businesses to engage in aggressive inquiries and include unauthorized accounts on my credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts or the associated hard inquiries, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my credit report.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Equifax and XXXX are not reporting XXXX student loan accounts despite account information being furnished to them by the servicer on XX/XX/31. XXXX has already reported them.
Consumer complaint received 2018-03-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted Transunion on XX/XX/18 @ XXXX and spoke with supervisor named XXXX and advised him that i have filed a FTC report and i gave him my affidavit report # XXXX and stated that i was a victim and i wanted to know if the inquires on my report would be removed. Also, explained to him that i was apart of the XXXX and Transunion security breach and i just wanted them to help me. Also, there is a 7 year fraud alert on my report for my security. He stated the he could not remove the information because the FTC affidavit does not show any dates, and that Transunion has their on in house policy if they will accept documents. I asked him what the policy was and he stated he could not share that information with me. I am so disappointed and seeking assistance with getting my issues with Transunion resolved. I have certified letters, and fax confirmations that i have sent them on numerous occasions and still no help.