davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (TX)

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX  : # 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 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 customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (MD)

In accordance, to the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681, Section 602, its states that I have the right to privacy. 15 USC 1681, Section 604A ( 2 ) also states, a CRA can not furnish account information without my written instruction ; furthermore, 15 USC 1666B, also states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc. (TX)

There are ( XXXX ) accounts reporting on my credit report naming Conn Appliances Co as the creditor. I have only had 1 account with Conn 's that was opened in 2020 which was settled. Per the agreement of the settlement, the account was to be deleted after the account was paid satisfactorily yet it is still reporting on my credit report. Furthermore, this account is in violation of the FCRA due to the fact that both accounts are reporting the same account number, the payment history is inconsistent, and there was never a 1099c form sent to me. Creditors are required to issue a 1099 for debt that is canceled or forgiven in the amount of {$600.00} or more. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. At this time, I am only requesting the removal of the paid accounts from my credit report. My credit report which shows the disputed accounts are attached.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (DC)

In a prior complaint cfpb # XXXX related to unpaid/underpaid property taxes and mismanaged escrow, I noted my credit score had fallen due to Wells Fargo reporting a total mortgage amount well above what my principle balance was set as. I was told in the resolution of my complaint Wells Fargo was reporting everything correctly, and I would have to call credit bureaus. The Wells Fargo credit report provided shows the incorrect amount, but I was told I must be wrong or need to contact the credit bureau. 

Wells Fargo shows my principle balance as {$370000.00}. Credit bureaus, both XXXX XXXX and XXXX ( I have not checked XXXX ) show it as XXXX. That is a difference of over {$14000.00}, and caused my credit score to go down, In most cases moving me from good/fair score to poor scores. I am about to move, this score drop directly impacts my ability to borrow at an optimal interest rate. 

Wells Fargo has made my life hellish for months due to the tax issue and not their refusal to correct the loan amount. I am not sure why there is such a large disconnect, but the only way the bureaus would have this amount is from Wells Fargo. I can not just tell the bureaus they are wrong and get this fixed. Wells Fargo needs to fix this. It is the least they can do after months of pain and emotional distress that they shrug off as nothing and then lie to me that they are reporting everything correctly. 

I am including screen shots of 3 separate credit score details I can access on my Wells Fargo, XXXX, and XXXX XXXX  accounts through credit monitoring service provided. I am also attaching my most recent mortgage statement.
Consumer complaint received 2024-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thunderbird Collection Specialists, Inc. (AZ)

Services Performed around XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX billed my insurance but did not bill correctly and stated that I owed {$480.00}. Did not get an actual bill until XXXX. No one at their office could understand my dispute. No one at their office could explain my insurance payments or benefits. The biller at XXXX XXXX XXXX never answered the phone upon attempts to understand my bill. They agreed to remove erroneous charges but still send our account to collections. On XX/XX/XXXX received a notice about a debt owed of {$480.00} by a company called Thunderbird Collection Specialists ( TCS ). I called TCS to tell them that the debt was not valid and that I did not receive any notices from them regarding the opportunity to dispute the debt. The representative became angry once she learned that I was exercising my rights as a consumer. She hung up on me. I am requesting that Thunderbird Collection Specialists TCS is investigated for charging a fee of over {$160.00} on top of the {$480.00} assumed owed totaling {$640.00}. I never agreed to any collection costs as a patient of XXXX XXXX XXXX. The issue is erroneous billing practices and charging patients for fees outside of agreed terms and conditions. Thunderbird Collection Specialists is charging fees that are not owed. I never signed a contract or agreement with XXXX XXXX XXXX regarding paying any fees or interest to a collection agency.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2021-07-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX/XXXX/XXXX  # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX
Consumer complaint received 2017-07-18
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)

On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with Transunion, and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCR A.  XXXX  and  XXXX  allow for the dispute of inquiries, but ne  ither do a reasonable     and adequate investigation, both completing their " investigations '' in less than 24 hours.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

I recently received my credit report and found a collection account from IC System that does not belong to me. The original creator or is XXXX XXXX. Ive never done business with XXXX XXXX before and Ive never had any type of account with them. This may be a result of ongoing identity theft.
Consumer complaint received 2024-04-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (TX)

On XX/XX/XXXX at XXXX, I received a text message from XXXX that stated : Your past due account has been red flagged to be reviewed by our legal network for possible lawsuit.To resolve voluntarily on your own behalf and avoid further action call XXXX Send STOP to opt out. Theres no info provided about who is texting or what company is trying to send an account to their legal network. On XX/XX/XXXX at XXXX, I called the phone number provided. The first time no one answered, so I called again and got in contact with XXXX who XXXX they were a debt collection agency named Structured Settlement on behalf of Check N Go. He then transferred me to XXXX with the XXXX XXXX Department. Her phone number is XXXX ext XXXX. XXXX was IMMEDIATELY hostile the moment I began asking questions. I simply did not recall the information or interaction with the company and was asking for clarification and additional information. She immediately began grilling into me and yelling at me asking why would I admit to the debt and set up a payment plan with them in XX/XX/XXXX and the payment came back as insufficient funds. And when I asked for a debt validation letter she yelled at me and said, Go look at your credit report, thats your debt validation letter. 
After some back and forth, I decided to set up another payment plan, because XXXX claimed that my account was going to be forwarded and I would be sued for the debt tomorrow XX/XX/XXXX. Under the FCRA, I am entitled to the information I asked for and I was refused. And I still do not recall ever interacting with this company for debt collection.
Consumer complaint received 2022-09-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I have contact Experian on serval times for a contract with my name verify the amount owed they have yet sent me anything in regards to the amount owed or contract with my name. This account has continued to be on my credit report focer 13 years now without explanation. This is definitely against fair credit act. Im asking that this will be fix or addressed quickly and fairly. They are not address this issue just keep coming back with the same thing over and over.
Consumer complaint received 2024-04-22
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Reliant Capital Solutions, LLC (GA)

In accordance with the fair credit report act, this creditor has violated my rights. Under 15 U.S C 1 81 section 602 states I have the right to privacy. Under 15 U.S c1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent. Under 15 US c 1666 B a creditor may not treat a payment on an account under an open consumer plan as late.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : CONN CREDIT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (AZ)

I recently refinanced with InterContinental Capital Group Inc. My problem is with the amount of junk mail I have started receiving after applying and closing with them. It is absolutely insane and ridiculous. I get junk mail with their name on it almost every single day usually more than one a day for months. This fact alone I would never recommend that company to anyone period.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo charged me multiple times with ridiculous fees I have never heard of and constant overdraft fees without the chance to pay them off now I opened up a medical card after I thought I closed my bank account with Wells Fargo but now that my card is open and telling me that I still have an account with Wells Fargo and they cant allow me to make an account or pay my bills online because my accounts are connected and they cant fix that over the phone or over the email and Ive already gone to the bank to try to fix it and they told me I had to call the phone number and now every month Im getting charged a late fee because I can not pay my bill on time because they wont allow me automatic bill payment and they wont allow me to access my account online they also will not join my accounts together even though I close that bank account a long time ago. 
They are charging me late fees and ruining my credit unfairly. 
My old last name is XXXX new last name is XXXX.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, Transunion, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.