davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
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: Experian Information Solutions Inc. (FL)

I have disputed with Experian and XXXX  an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both Experian and XXXX. When I spoke with XXXX they informed me that they let XXXX  and Experian know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (FL)

I have disputed with XXXX  and Equifax an account which needs to be removed from my Credit Report. XXXX agreed to completely delete the account from my credit report. They even provided me a letter stating this information which I have sent to both XXXX  and Equifax. When I spoke with XXXX they informed me that they let Equifax and XXXX  know to delete the account but when submitting the disputes the account remains on my credit file. Please assist me with this.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OK)

Have reported identity theft to XXXX. Filed report on identity theft .gov and sent all information. Have attempted for a month to get this resolved. Every time I've called I've been transferred to multiple departments and placed.on hold for long periods of time. They continue to dispute the fraud claim. My wife at the time took out a personal loan and a car loan using my information and signed electronically. I did not have any knowledge of the accounts. She passed away in XX/XX/2018. She had separate bank accounts that I did not have access to that these payments came from. Upon her death, her mother deactivated the account and I was unable to even access it to see what loans she may have had outstanding. This was brought to my attention due to excessive debt impacting my security clearance for my job. Upon finding out about these accounts I immediately tried to resolve the issue. This company has repeatedly denied the fraud and I have been unable to actually contact the correct people to attempt to satisfy this. I am the victim of identity theft, I had no knowledge that these were in my name and I did not give her permission tomuse my information. I am at a loss on how to proceed as I have been met with resistance each step of the way from this company.
Consumer complaint received 2021-07-07
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)

A letter was sent out asking on XX/XX/2021 to Equifax asking for accounts to be removed due to violation of the FCRA. they company has not provided accurate service with the any of the documents sent in and has allowed an additional fraudulent account to be added. 

To Whom It May Concern : According to U.S. Code 1681b-Permissible purpose of consumer reports : ( C ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER : ( 3 ) INFORMATION REGARDING INQUIRIES : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Account : Credit Plus XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX Account ; XXXX XXXX XXXX XXXX Account : Factual Dats XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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. (NV)

XXXX XXXX XXXX sent me a letter stating they contacted all three bureaus to remove this account from my credit. Experian refuse to remove this XXXX XXXX XXXX account from my credit when the collection bureau has reached out to them and told them to remove this from my report. I have attached the letter that was sent to me via usps mail from XXXX XXXX XXXX. This need to be removed immediately!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my credit report and found billing errors under 15 U.S. Code 1666 ( b ), including : Failure to properly reflect payments/credits. Calculation or accounting errors. Lack of 21-day notice before the due date, so late payments shouldnt apply. I request proof from the creditors records that I missed a payment and was marked late. Please correct or remove these errors immediately, or I will pursue legal action under 15 USC 1681n. Despite previous disputes, the following errors remain : XXXX ( XXXX ) - late dates incorrectly reported in XX/XX/year> and XX/XX/year>. XXXX ( XXXX ) - update payment status to " Pays as agreed. '' Please address these promptly.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (TN)

On (  XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations.

Inaccuracies : Date opened High Credit Last Reported Date Last Active Date of Last payment payment history In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-02-21
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. (KY)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (NY)

On XX/XX/XXXX, I sent XXXX  and Convergent Outsourcing ( original creditor XXXX XXXX  account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " Convergent Outsourcing ''. XXXX  has responded to my verification letters sent on the the aforementioned dates above. XXXX  has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from XXXX  are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX  and the creditor, Convergent Outsourcing, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX  credit report.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was in a payment plan for three months and the company is blocking me from using the card. I paid {$82.00} for three months. A criminal is using my cards as well. They have duplicate numbers of XXXX. Also numbers XXXX XXXX XXXX are getting hacked from criminals.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-06-25
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. (FL)

I have reached out to Experian several times in regards to this inaccurate reporting and they keep sending me letters stating account has been verified. However how can this account be verified when this is a charge-off reporting as open? This is a direct violation of my rights due to inaccurate reporting after they have supposedly conducted an investigation claiming everything is 100 % accurate. They are also reaging this account another violation of FCRA 623 ( 5 ). I demand this account be deleted immediately. It is your duty to make sure they are following the law and attached is the proof of the violations.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with XXXX, XXXX  and Transunion, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe XXXX  listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account with Bank of America two years ago. A minimum balance requirement was part of the opening agreement to avoid monthly fees. Subsequently, and without my knowledge or agreement, the bank began to charge monthly fees to the account even though I continued to maintain the minimum required balance. When I contacted the bank they refused to honor the original agreement, and claimed that suddenly they had the right to charge monthly fees. As part of this assertion, they claimed that they had unilaterally updated the account agreement, and sent me a notice about their decision. I never received the notice, but more importantly, I don't recall ever doing business with somebody that can just suddenly change account agreement terms. My money has essentially been stolen from me. Additionally, it seems I now need to spend more time moving the account, and so my time has been taken from me as well. Please help me to recoup my fees. This behavior seems illegal. Thank you.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I do not have a Well Fargo account but a Wells Fargo customer provided them with my e-mail address. I therefore receive unwanted emails regarding bill payments, ATM transactions, statements being available, etc. The first e-email was received XX/XX/XXXX to " confirm your e-mail address for Wells Fargo ''. I obviously never confirmed the address but confirmation is apparently is not a requirement for them to start using the address. None of the e-mails have an unsubscribe mechanism. 

On XX/XX/XXXX I called Wells Fargo customer service and after speaking to 4 different people over the course of an hour I was finally instructed to forward the e-mails in question to XXXX. I started doing that and got automated replies indicating that they would investigate but never got any responses asking for more information and it did not resolve the situation. 

On XX/XX/XXXX I called Wells Fargo again and spoke to two representatives. The second, XXXX, claimed to have submitted a request to remove my e-mail address from the account. 

Today I received yet another unwanted e-mail from Wells Fargo.
Consumer complaint received 2021-06-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc. (FL)

Recently refinanced in XXXX with Zillow and we were informed we should expect to make our first payment XX/XX/XXXX. However as we got closed to that date I reached out to Zillow and they said they were still processing the loan. Almost at the end of XXXX I got my first statement from Zillow. So I sent a check thru my bank that got their on XX/XX/XXXX and was cashed on XX/XX/XXXX. However the day after I sent the payment to Zillow, I was notified the that my loan was sold to XXXX. I called Zillow and they said they would process the payment and would send it back. Well that was a lie, so know I have a double mortgage payment with XXXX who said I should contact Zillow. So I contacted Zillow yesterday and they said there was nothing they could. However they cashed a check on a loan they no owned. Please help. BTW the lady I spoke to at Zillow said this a recurring problem
Consumer complaint received 2021-06-25
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. (NY)

I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX - XXXX XXXX 2. XXXX Original creditor : XXXX 3. XXXX XXXX XXXX Original creditor : XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2023-05-15
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. (FL)

XXXX  XXXX XXXX still remains on my reports after being reported as a fraudulent account. XX/XX/2021 I filed an Identity Theft Report indicating this account was not mine. 

The Credit reporting bureau should remove any account reported to be fraudulent when an ID theft report has been filed in accordance with The Fair Debt Collection Practice Act. 

My ID theft report filed in XX/XX/2021 is hereby attached to this complaint.