davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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. (NV)

I spoke to XXXX, who said she was a supervisor at Experian 's XXXX group. 

I wanted a reinvestigation of 4 hard inquiries. She refused based on company policy. 

Company policy can not override US LAW which states : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph This is US code 15 - section 1681 Experian refused on multiple occasions to reinvestigate 4 hard inquiries, stating that their company policy is DIFFERENT for hard inquiries, versus other items on the report. 

This contradicts US LAW - the law says ANY item can be reinvestigated and Experian refused, and I was give the first name and the group name above.
Consumer complaint received 2023-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/XXXX I noticed on my XXXX Account that XXXX XXXX had sent in a report for 60 days late and when checking the amount the charged by checking on the phone on the amount vs the late fee exceeded federal limits. I personally do not have a XXXX XXXX XXXX credit card, but my wife does and it is not a joint account. I discussed this with my wife and she has not used this card in XXXX at all. In direct violation and prohibited by the XXXX XXXX XXXX XXXX. XXXX sent no statements and made no phone calls. The made no attempt to notify of any amount owed. Nor did they send emails or communications simply placed it as late on the credit report for charges we never made. In putting dispute information in the is insufficient space to list all the details. We contacted XXXX XXXX who has been fined billions of dollars for illegal credit practices in the last few years and investigated by numerous state and federal officials. CFR section XXXX lists these practices as direct violations of federal law. We contacted XXXX and filed a fraud complaint on unauthorize used of the card on XXXX. On XX/XX/XXXX we paid the charged balance and XXXX waived the late fees and found the amount was about XXXX dollars charged. My wife, whose credit report shows contact, address and phone number information that does not belong to her and never did whose name is XXXX XXXX XXXX of birth XX/XX/XXXX Address XXXX XXXX XXXX, XXXX, XXXX  XXXX. Phone number ( XXXX ) XXXX showed someone elses information completely on her credit report. On XX/XX/XXXX we paid the amount to avoid any more negative reports on our credit report, and it should never have been placed on mine as the account is not joint, we then as someone else is using the account cancelled the credit line. We have prohibited all our employees, and our purchasing agent from purchasing, visiting or even going into a XXXX XXXX XXXX because although I do not have a credit card do have a pro rewards card for my business which employees 40 people. Thank you, see that these violations are properly investigated and please have the negative information removed from all three credit bureaus as the practice being followed by XXXX is prohibited under federal law.
Consumer complaint received 2022-12-30
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 (MD)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC (GA)

XXXX - XXXX {$920.00} XXXX Apartments XXXX XXXX XXXX. XXXX Ga XXXX action was taken 5 years ago because of a break in and entry by some so called maintenance department, sheriff 's department was called. 

XXXX - XXXX XXXX XXXX team XXXX still charging me for rent after lease expired in XXXX to this very day. offices located in florida and here in XXXX georgia. 
sent to collection agency Mutual Management without asking for dispute information or contacting me about collection agency at that time. with out my permission. 

The XXXX apartments XXXX XXXX XXXX. XX/XX/XXXX Ga XXXX ( XXXX ) XXXX charged me {$150.00} to collection agency XXXXXX/XX/XXXXXXXX in XXXX Florida for a rental unit I never rented or left a deposit or filled out an application to move in?., FRAUD!!! 
year XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Georgia has over charged me for a room for carpet cleaning and repairs that were never there the room was not carpeted or damaged sent to another collection agency for rental history and i can prove my room did not need cleaning carpet and repairs at that time in XXXX or XXXX.
Consumer complaint received 2022-12-30
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. (NV)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-30
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$39000.00}
Consumer complaint received 2020-12-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Coastal Credit, LLC (CA)

I incurred debt with XXXXXXXX XXXX XXXX in XX/XX/XXXX. I made payments until i fell on hard times in XX/XX/XXXX. XXXX XXXX contacted me up until XX/XX/XXXX in regards to collection but stopped after that. My debt was apparently sold to a company out of Georgia called XXXX XXXX who started to call me on XX/XX/XXXX. I told them i would have to research the loan as they were very unwilling to give me any info except they kept telling me they were going to file fraud charges against me. After I did some research and before I had a chance to call them back they contacted my son and threatened him that they were going to file fraud charges against me. He notified me and I called them and told them they cant talk to my relatives about my debt according to the Fair Debt Collection act. They didnt care. And in turn threatened me with 3 charges for 1 debt. I also informed them that California has a statue of limitations regarding collection of debt which had expired. He was clueless regarding that statute. This was a very frustrating experience as they wouldn't let me talk and would talk over me all the time with threats. I offered to pay a portion just out of good faith but they said all or nothing so I said we will see you in court.. Horrible experience
Consumer complaint received 2022-12-30
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: HCFS Healthcare Financial Services of TeamHealth (GA)

These items on my credit report as follows XXXX ( XXXX XXXX XXXX ) ... ( Ars account resolution ) ... dept.of education ( XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2020-12-31
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: EQUIFAX, INC. (AR)

Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.
Consumer complaint received 2020-12-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

on XX/XX/2020, PORTFOLIO RECOVERY added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-30
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: WELLS FARGO & COMPANY (TX)

Wells Fargo Mortgage loan obtained XXXX company has repeatedly send me emails about documents to sign. 
The bank send me a thank you for signing the documents I did not sign. I have not signed any documents after XXXX. 
I have repeatedly asked the bank to send me copies of these documents. 
The bank ended up sending me documents from XXXX and will not release anything else I asked documents that have been signed from XXXX and on and will not reply or send me the requested information. The cosigner and I are no longer together I believe she is forging my signature the bank is aware of our separation and will not release me any documents signed with my signature Unauthorized.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-02-15
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. (NC)

In XXXX 2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XXXX 2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with XXXX.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

I had a checking account with Wells Fargo since 2018 suddenly they charged me more than XXXX dollars in fees. The account got closed cause they changed fees and I was tired to pay them Now they send me to collections for XXXX dollars fees
Consumer complaint received 2022-11-21
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. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 



XXXX XXXX, account number : 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I dispute this account XXXX XXXX XXXX XXXX last month and I received a letter from Equifax saying The Disputed Item is NOT Currently Reporting on The Equifax Credit File but I just got a copy of my credit report and that account is still there. Im sending a copy of the letter send to me from Equifax after my dispute of this account.
Consumer complaint received 2022-12-30
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: CAINE & WEINER COMPANY, INC. (GA)

These items on my credit report as follows XXXX ( caine & weiner ) ... ( XXXX XXXX XXXX ) ... dept.of education XXXX XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

I have accounts with Citibank for credit cards and they have called approximately XXXX times per day each day and for more than XXXX days in a row. They call from XXXX phone number and then I block it and they call from another number and the cycle repeats itself. They have also outsourced their activities to a company called client services out of XXXX XXXX XXXX This company or subsidiary is also violation collection laws by calling approximately XXXX times per day from a variety of phone numbers. Both companies have been mailed a cease and desist letter on XX/XX/year> and their activities are still continuing.