davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union LLC just recently removed a false report from my account and now have dug up another paid account onto my report affecting my credit score. It took several months for the information disputed to be corrected and now I have to go through this again. I feel this is some sort of reprisal for submitting my complaint through the CFPB. I WANT MY CREDIT SCORE UPDATED TO REFLECT CORRECT INFORMATION AND I WANT THESE FOLKS TO STAY OUT OF MY REPORT!
Consumer complaint received 2023-08-10
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and XXXX  XXXX
Consumer complaint received 2023-08-10
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)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

I applied for a Wells Fargo XXXX XXXX XXXX XXXX online on XX/XX/XXXX. didnt receive the card but I did receive a message from the bank regarding cards activity on XX/XX/XXXX. The purchases were made on XX/XX/XXXX but I received the message from the bank on XX/XX/XXXX. I called the bank on XX/XX/XXXX to verify a fraud and to block the card. On XX/XX/XXXX all transactions had PENDING STATUS so when I called, bank was able to decline all pending transactions but the claim was created instead. The bank representative allowed those pending transactions be processed after the cardholder called and verified it was fraud! Instead of blocking those transactions while it was possible, bank representative created a claim and all of the fraud transactions were transferred to my replacement card in amount of {$960.00} from XXXX and {$110.00} from XXXX. Bank representative told me my claim was declined because bank system shows the card was activated on XX/XX/XXXX from my cell phone. I didnt called to the bank on XX/XX/XXXX and I provided my call phone printed activity from XX/XX/XXXX to XX/XX/XXXX to the bank proving I never called to the bank on XX/XX/XXXX. Bank ignored my evidence and still requesting me to pay for fraud transactions. I also filled out police report and provided it to the bank as well but bank ignored it as well! By ignoring all of the evidence from customer side as well as the ignoring of the police investigation process show that Wells Fargo bank ignores Civil Rights of its customers and it also helping frauds.
Consumer complaint received 2022-10-24
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Consumer complaint received 2023-06-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (TX)

XXXX and NCB are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming XXXX is retiring the amount prior to auction and NCB is reporting after auction. Could you please assist?
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three XXXX credit bureau. Please correct all information atleast on personal information. 
Attached is XXXX credits information. 

there should be only XXXX NAME, XXXX Address, XXXX DATE Birth. 

I dont want to use all technical words of FRCA. In 30 day it has be reported as below mention : XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX No Employers need to reported After this everything will be dealt on Court of law. I dont think FCRA or FTC can bends you hands
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Title One, Inc. (MI)

My lein was not discharged. Title one transferred to FDIC who will not handle if not a bank and it was not a bank it was a servicing company. Title One is not doing there job and correcting the issue they are passing the buck again. This has been going on 23 years I want it corrected.
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-04-24
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)

At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and Equifax and XXXX   have done nothing. 30 days have passed and I sent my second request to Equifax and XXXX  and 30 days have passed again and Equifax and XXXX has again done nothing which is why I decided to come here for help, please help me.
Consumer complaint received 2023-09-29
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. (OH)

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. 

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 2023-03-27
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # 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 2022-10-24
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. (NC)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

Google facilitated fraud with advertisements for and by facilitating payments to XXXX XXXX XXXX and subsidiary hardware manufactures and fraud companies impersonating hardware manufactures. The product never worked, I bought it twice, and the first purchase was literally to a non-existent pure fraud company that was impersonating a helium miner that bought google ads and appeared first on the web search. Additionally Google has been illegally censoring my speech when I speak against politicians ( for example, banned on XXXX for " harassment '' by writing a comment " XXXX obama '' which is constitutionally protected free speech ) and they have been censoring my search results and bard results when I seek legal advice. This is under CFPB jurisdiction because 1. Google took money from a fraud company impersonating another company that was offering financial services, which also turned out to be fraudulent, and promoted it on page one. 2. Google facilitated payment to the fraud company. 3. The relationship Google has with the XXXX and the funds the XXXX received from XXXX, which were stolen funds from creditors like me. The fraud company also received venture funding from XXXX, meaning that the google ad money that paid for the fraudulent advertisements commingled customer money that is subject to clawbacks. 4. The nature of the product at the heart of this transaction is a financial pyramid scheme that is part of the XXXX fraud.
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am contacting you to request the prompt removal of specific accounts and associated information from my consumer report. It has come to my attention that these accounts should not be reported, and their presence on my report violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I kindly ask for your immediate attention to this matter to rectify the situation in compliance with the applicable laws. Please remove the mentioned accounts and information from my consumer report as soon as possible. Thank you for your prompt assistance.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In my review of my credit report on XX/XX/2018 Portfolio recovery associates is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Portfolio recovery associates is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I want to bring to your attention, once again, that XXXX XXXX Original Creditor : XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within XXXX business days that you put the account back. 
Provide me a written notice including : > A statement saying the disputed information is back. 
> The name and address of the company that gave you the information, and their phone number if available. 
> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : 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 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  I expect a prompt resolution to prevent further damage to my credit profile. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-10-24
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. (SC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I am XXXX XXXX the owner and President of XXXX XXXX XXXX XXXX. The XXXX number for XXXX XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX XXXX, XXXX is a small business registered in the state of Missouri. The company was formed in XXXX of XXXX. On XX/XX/XXXX, I, XXXX XXXX, attempted to open a business checking account for XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX. I was denied the opportunity to open an account and the company received an adverse action notice. The XXXX XXXX banker stated that there was account abuse being reflected on XXXX XXXX XXXX XXXX Chexsystems consumer report. The banker stated that the information was reported by XXXX XXXX  for account ending in XXXX on XX/XX/XXXX. I was unaware of any account abuse taking place with my account and contacted XXXX XXXX  requesting an explanation for the reported information. XXXX XXXX  stated that my account was closed and charged off due to an overdraft that occurred from a fraudulent check transaction made through the mobile banking app. I then learned that the company email address linked to the XXXX XXXX  account was compromised, resulting in the takeover of the companys bank account through the online account. Due to the email address being compromised, I was no longer receiving communication from XXXX XXXX. On XX/XX/XXXX I visited XXXX XXXX  XXXX  and was able to promptly resolve the issue with my banker XXXX XXXX. Our company is not being held liable for the fraudulent activity and there was no account abuse carried out by XXXX XXXX XXXX XXXX because the information being furnished on XXXX XXXX XXXX XXXX Chexsystems consumer report is a result of identity theft/fraud. On XX/XX/XXXX I filed an FTC identity theft report on behalf of XXXX XXXX XXXX XXXX, XXXX. Immediately after I filed an FTC report, I met with officer XXXX XXXX at the XXXX Police Department at XXXX XXXX XXXX XXXX XXXX, Mo XXXX. I presented the FTC report to officer XXXX and he signed the FTC report. I have attached the FTC report signed by officer XXXX with his business card and call-for-service/report number, my identification, a utility bill.
Consumer complaint received 2022-12-07
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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)

I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this 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 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