davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (NC)

To EXPERIAN : This is a response to the letter you emailed me today XX/XX/XXXX I clearly, specifically indicated the items to be blocked and delete and the reason why to do so. You are the one reporting fraudulent information without my written consent. You are fully aware of which reports are " your '' fraudulent reporting from the list that I submitted clearly. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Again, do you have the Consent for Release of Information forms ( SSA-3288 ) ( SSA-89 ) with my Signature/Authentication feature giving you my written Consent That is required by law under the Social Security Act? I am not contracted with you, your reportings are fraudulent Pursuant to 18 USC 1028 youre trafficking private information on my consumer report without my consent which is identity theft. I am Demanding that the reporting ( s ) of this information be blocked and deleted Pursuant to 15 USC 1681c-2. My demand to block is not being made in error ; nor is my demand to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. " THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER ''.
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY ()

I am the Power of Attorney for a family member who has a home equity line of credit at Wells Fargo Bank. It was started in XX/XX/XXXX under Wachovia Bank at the time. In XX/XX/XXXX, ( before I became POA ) family member made cash advance for {$5000.00} from HELOC to his Wells Fargo checking account which exceeded his maximum credit limit which was {$100000.00}. After the advance, his outstanding balance on his HELOC was {$100000.00}. Upon locating the loan agreement, I contacted Wells Fargo in XX/XX/XXXX. I sent them a letter since I had several questions upon becoming POA. I included the loan agreement, HELOC statements from XXXX XXXX and XXXX  copies of advance draft checks that I could locate ; XXXX  were initialed by bank personnel and XXXX  were not. I asked them to waive the advance and apply it to the balance of the loan, because it was in violation of the loan agreement and should not have been authorized. My request was denied. I received a letter stating that the bank can use its discretion to to authorize amounts over the credit limit. I asked for another review and was denied again. I ask that you review the loan particularly page XXXX " maximum credit limit '' and " obligation to lend ''
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (TX)

Since XX/XX/XXXX, I faxed, emailed, upload documentation on Experian 's website proving that XXXX XXXX was paid in full. XXXX XXXX has contacted Experian directly, and Experian still refuses to remove the incorrect information. XXXX  and XXXX have updated my file with the correct information from XXXX. Experian refuses to do so. I disputed this back in XX/XX/XXXX and they refused to correct my file. Today XX/XX/XXXX, I went online and did another dispute 19 minutes after I submitted, I receive an email from Experian stating that my dispute was completed and updated. I logged in and nothing was changed nor updated. The same incorrect information is showing. Here is the report number:XXXX. There is no way that they researched my dispute in 19 minutes. I have proof that this account is Paid In Full since XX/XX/XXXX. Experian is the only credit reporting agency that is not doing their job.
Consumer complaint received 2022-11-02
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. (IL)

My complaint is against XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) and the XXXX Credit Bureaus ; XXXX, XXXX, and Equifax. XXXX has reported incorrect payment history on my consumer profile reporting that I was 30 days past due in XX/XX/XXXX and 60 days past due in XXXX of XXXX. However, my account was opened on XXXX XXXX XXXX, with the first payment due by XX/XX/XXXX. In XXXX I made my payment, bringing the next bill to be due by XXXX XXXX. A payment has to be 30 days past due before it can be reported as past due on my credit report, but on XX/XX/XXXX I was reported as 30 days past due already. How Can I be 30 days late in XXXX on a bill that is due in XXXX? I called XXXX and asked them to update the payment history. They explained that they could not make any changes on their end and the discrepancy would have to be disputed with the Credit Bureaus. The late payment statuses were hurting my credit so badly that I Submitted disputes of incorrect payment history to the XXXX credit Bureaus. XXXX ( online ), Equifax ( online ) and XXXX via written letter ( see attachment of dispute records ). I also called XXXX on XX/XX/XXXX and asked that If I were to pay the account off in full if they would remove and cease all reporting of this account on my credit profile. They accepted my terms, and I paid the account balance in full the next day ( see attachment of receipt ). 
The Credit Bureaus have failed to conduct a full and thorough investigation which is a violation of my consumer rights. Not only that, but per my credit report pulled in XX/XX/XXXX it's evident that the " In dispute '' remarks had never been attached to this account that I had disputed. Which is ANOTHER violation my rights under the FCRA. I have the right to an accurate and complete credit profile, but the data furnisher ( XXXX  ) reports inaccurate and inconsistent information between each of the XXXX Bureaus. such as ; Payment history N/A on XXXX report XXXX and different payment history between Equifax and XXXX, XXXX date last active is also different between all XXXX Bureaus, The high balance reported is also inconsistent ( see attachment on XX/XX/XXXX credit report ). How have they conducted a full and complete investigation and verified everything as accurate when this account clearly remains inconsistent and full of errors and violations? I want this account removed from my credit profile immediately.
Consumer complaint received 2022-11-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # 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 2022-10-19
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

All 3 credit bureaus are scandalous. They operate on a We have ALL of your information, so pay us to manage it and protect it This is just plain wrong. Credit, banking car loans and mortgages are a part of everyday business. The credit bureaus collect this information regardless and no one has a choice in the matter. So, given the fact that we have no choice on information collected, why should we have to pay anywhere from XXXX dollars per month to manage the information collected? In my mind, being a person on a fixed incomethese fees are way, way too high. At the bare minimumpeople with disabilities, seniors or unemployed should be able to manage their financial data for free. On top of all of this, anyone should have the ability to request their report to arrive at their house via US mail by request through all 3 credit bureaus respected websites as many do not have office equipment to print their own reports. 
Secondly, Placing a security freeze should be plain and easy to find on all 3 credit bureau websites.those options should not be buried under numerous sub menus making them cumbersome to findespecially for older people who are more susceptible to being scammed. 

And last, the process for correcting errors is purposely designed to be difficultunless you pay the XXXX dollars per month..which is wrong. Also, tech support and questions with all 3 credit bureaus should be XXXX basedespecially for security. 
Thank you
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC code 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account with my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-04-17
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: ProCollect, Inc. (TX)

It has come to my attention that Procollect XXXX XXXX XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 

15 U.S. Code 1692c - Communication in connection with debt collection.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2022-10-23
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Auto Loan with BOA is not NOW nor was it previously being reported timely, there is a consistent XXXX ( XXXX ) month lag and at a XXXX Dollars a month [ inclusive ] that would both reduce my Balance and up my equity but at the end of the day it would ACCURATELY be reflected in the current Credit Score [ XXXX ]. 

The prior error of misapplication of Funds has been resolved. BUT BOA is NOT and has not been accounting for payments received by them ( the account is presently paid until XX/XX/2023 while my report reflects only payments through XXXX ) in a timely manner STILL. 

Early payments PAID MUST be accounted for in real time. JUST LIKE balances must be updated monthly on Credit Cards so must outstanding balances on Auto Loans. So the fault is twofold the Reporting Agency : ( 1 ) Reporting Agency, in this case XXXX, refusing to submit [ again ] part of a prior dispute to BOA which to this day has not been corrected, and, ( XXXX ) BOA for not timely reporting ALL payments received and " cashed '' thereby affecting the " current '' balance and payments through 2023.
Consumer complaint received 2023-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I per the FCRA as a Federal protected consumer, am now Opting-Out of any and all authorization. I, the consumer now have given you written, unwritten, verbal and non-verbal instructions XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Capital one ending in XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Capital one Auto Finance, XXXX XXXX XXXX, XXXX XXXX XXXX accounts XXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX  XXXX, are all stated closed, which is now a certificate of indebtness and should be removed from all credit reports. 

The balances and payment history are inaccurate on the Capital One, XXXX XXXX  Please update me with results per your rules and regulations. 
Feel free to contact me with any questions or concerns.
Consumer complaint received 2022-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} ), US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened XX/XX/XXXX, Balance : {$430.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$200.00}, Original Creditor : XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-08-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I wanted to close my savings account with Citizens Bank. The account contained a little over {$5000.00}. I do not live near a Citizens branch, so all my dealings have been by internet and phone. I wrote a letter to Citizens requesting closure, and also containing information requested by them. They should have received the letter on or about XX/XX/2023. 

After about three weeks of receiving nothing, I contacted Citizens customer service, on XX/XX/XXXX. After that I called them weekly, but got no meaningful information except that I found out from one of the agents that my account had been closed on XX/XX/XXXX. Finally, on XX/XX/XXXX, I talked to a supervisor. After hearing of my problem, he stated that Citizens would stop payment on the check ( if it ever existed ), and issue another one. After receiving nothing I called again on XX/XX/XXXX and talked to the same supervisor, who told me that I had been assigned a case number and that he would submit my case again. After still receiving nothing, I called again on XX/XX/XXXX, talked to yet another manager, and was informed that my case was being reviewed by " Operations. '' I am still waiting. Since " Operations '' has been reviewing my case for more than two months, I am losing hope that my money will ever be returned to me.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MO)

Mohela open two personal loans in my name without my consent the first loan amount is for {$870.00} and the second loan amount was for XXXX and they made it look like a refund from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX was already issue my refund at the beginning of XXXX. This is an XXXX violation. I happen to check my XXXX credit report to see and I found the information. I request was XXXX XXXX XXXX XXXX XXXX XXXX I did not consent to this under no circumstances. I will like all my loans consolidate immediately to XXXX XXXX XXXX  loans.
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The vehicle was declared a total loss by USAA insurance and the insurance policy had gap coverage. The loan was thru USAA 's banking branch. They came up with an arbitrary figure of {$71.00} that was still owed on the vehicle. I disputed this multiple times due to the coverage I had on my auto. I did not pay the {$71.00} because it should not have been there with the coverage I had the loan should have been paid in full.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I recieved a call today XX/XX/2023 that someone used my infomation to attempt to get a credit card from Capital One. This is the 3rd time ( 3 differenct credit card companies ) that this has happened. My credit application status is locked with all three credit bureaus as a result of the first two attempts.
Consumer complaint received 2017-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

Hi abo ut 5 y rs ago I contacted the original creditor  XXXX   XXXX , This account was an account open from Identity theft.  XXXX   XXXX  closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago.      I have Attached my utility bill to prove, I was living in  XXXX  from  XXXX   XXXX  And I have made updated police reports when I had returned and saw even more Identity theft.     Now in  XXXX    XXXX    XXXX  has sold the account to a collection agency, they put this account on my credit report and has been trying to collect  XXXX  on a  Fraud  account fro  m 5 yrs ago.
I did write a letter to the collection agency but I have not had a response.     I would like to have this RE- Removed off my credit report.
Consumer complaint received 2024-03-09
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: Experian Information Solutions Inc. (AL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (CA)

I submitted a compliant against EXPERIAN, XXXX, and XXXX about the account by XXXX on my consumer report on XX/XX/2XXXX  and I received a computer generated response on XX/XX/XXXX  that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/ Experian, XXXX, and XXXX reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/ I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2XXXX  it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
Accounts : XXXX account # XXXX