davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX MI XXXX Phone Number ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I called Experian to make them aware that they are incorrectly reporting a Home Equity Line of Credit with Figure Lending I opened in XX/XX/XXXX. I could not get any assistance or resolution talking to their representatives in Membership or Dispute. They are reporting the account like a credit card causing my credit utilization to more than double from 30 % to now 70 %. HELOC 's are loans against the equity of a house and are not to be treated like a credit card in terms of credit reporting. This tremendous increase in my utilization is impacting my credit score, my ability to obtain new credit, and is completely inaccurate in terms of utilization. XXXX has this same loan listed under Mortgage and XXXX XXXX has it listed under Real Estate . 
It is a second mortgage and this is how it should be listed by Experian. Experian is a major credit reporting agency and many potential creditors obtain reports from them to decide whether or not to grant credit. This can negatively impact my quality of life and creditworthiness. Experian needs to fix this immediately. None of the individuals in the membership department could assist me. They transferred me to the dispute department. That department says they can not help me because they only deal with disputes that are the fault of the creditor and in this instance, it is the fault of the credit reporting agency. 
I am now asking CFPB to intervene in this matter please. This violates the Fair Credit Reporting law. This is unbelievable and this type of treatment of American consumers is not acceptable.
Consumer complaint received 2022-12-23
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. (MD)

I pulled my report and there is still damaging information being reported to my consumer report. which is clearly a violation to my rights. I thought that 15 U.S. Code 1681e ( b ) my credit report should be reporting with maximum accuracy. Isn't that the law? 

I have been disputing for some time now and I get no response isn't that a violation under 15 U.S Code 1681i ( a ) a reinvestigation of my consumer report was never concluded. 

remove before litigation required
Consumer complaint received 2023-07-16
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: TRANSWORLD SYSTEMS INC (MD)

I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to XXXX company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.
Consumer complaint received 2023-07-16
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. (WA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX account # XXXX 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 an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK (NJ)

There is a mistake with my account because I have always made on time payments since I opened my account in XX/XX/2017. Then something happened where my payment was made from the wrong account that was clsoed and i updated it right away. This dropped my credit score a lot and I am asking for a one time courtesy to pelase remove the late payment because I paid it right away when I found out the mistake.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

transaction dates are as follows in which I have not received payments as the money hasn't been deposited into my account. The customers have paid vis ACH funds and there was XXXX charge backs XX/XX/XXXX {$140.00} XX/XX/XXXX {$710.00} XX/XX/XXXX {$1100.00} Wellsfargo and XXXX XXXX XXXX are all ISO 's of XXXX
Consumer complaint received 2023-07-16
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. (OH)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts in question are reporting inaccurate information on my reports : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-16
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)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2022-12-04
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)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account # XXXX  has violated my rights.

15 USC 1681 section 602 A 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 accounts without my written instructions. 

I, XXXX XXXX, the consumer never gave Equifax any written consent to report anything on my consumer report. I explained this in depth in my dispute letter and Equifax still decided to post these accounts on my report.
Consumer complaint received 2022-10-05
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. (CA)

Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo bounced a {$300.00} paycheck. The money was taken from the sending account and I was charged returned fees as well as {$300.00}, the amount of the check. I never saw the check and was charged {$300.00} plus fees, on top of the original {$300.00} disappearing.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MD)

I have a Barclays Banana Republic Credit Card Immediately after receiving my XXXX statement I notified them in writing that the charges made were not authorized by me. I sent the letter to the address on the back of the statement that was specified for disputes. My letter was dated XX/XX/2023 and the amount of charges {$470.00}. I have never received a response or resolution. 

My XXXX statement arrived with no adjustments for the unauthorized charges and included an additional {$490.00} in charges. I again sent a dispute letter to the address listed for disputes on the back of the card statement. My letter was dated XX/XX/2023 and included my XXXX dispute letter as well. 

My XXXX statement arrived with no adjustments for the continued unauthorized charges and included an additional {$92.00} in charges. My dispute letter that included all previous correspondence was mailed out on XX/XX/2023. 

I have now sent a certified letter to the address on the back of the card for dispute resolution with all disputes and all past correspondence. This letter was mailed XX/XX/2023 and can not be delivered to the address. 

I have called Barclays multiple times and have documentation of the time spent and day/time called. I can not get anyone to assist me and have been disconnected numerous times. I have also tried logging in to the account online to submit a complaint and contact and the features that allow you to do so are not working. 

I need assistance and would like to know my recourse for such a blatant disregard and for fans information being allowed on billing statements.
Consumer complaint received 2023-07-16
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. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened my account in XXXX with XXXX dollars withdrew XXXX and signed up to XXXX XXXX a few weeks later after I gave them consent to withdraw XXXX my account bank of America released XXXX the first transaction and XXXX the second transaction to XXXX XXXX I immediately spoke with the bank and XXXXXXXX XXXX the bank was confused because they said I had 2 accounts which is odd and the fact I didn't get notifications from the bank about those transactions was crazy XXXX and not a txt or anything I figured it out with XXXX XXXX I thought until they sent back XXXX and I had to transfer the rest of it myself which including what they sent came to XXXX and when I spoke to the bank and XXXX XXXX I was being told I owed XXXX XXXX XXXX XXXX dollars and the bank had no idea so I magically lost XXXX and XXXX XXXX or bank of America have no idea I'm still fighting that, Then I had another XXXX check deposited in XXXX it was supposed to clear XX/XX/XXXX then the XXXX but when I went to bank of America they tell me I had late fees so they took that money out and told me they closed my account again with out notifications and no reason. they couldn't even tell me what happened to the XXXX now XXXX because of late fees.the answer has been it must of been mailed to you but it could of been sent back to XXXX XXXX or to fiancee 's address. They couldn't cash it out because it was in my fiancee 's name, but you can take your late fees out then close my account without me being notified how is that possible and XXXX disappeared and no one knows what happened to the check because once they took that money out they can't send it to XXXX XXXX and because it was entered into My account and bank of America took that money out it was cleared in the account under my name so it would be mailed to me if anything and I haven't received anything from them neither has my fiance or XXXXXXXX XXXX  because we checked and XXXX XXXX actually explained that the check was cleared and it wasn't supposed to be you can't return a check missing funds so it's probably the bank scamming you. 
So Bank of America lost over XXXX dollars of mine then closes my account for absolutely no reason but to try and get rid of me I guess XXXX was enough from one person Please help me get my money back it's XXXX just gone
Consumer complaint received 2023-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I had identity theft from not filing taxes, so somebody filed federal taxes for me. Therefore, every year now I have to have a pin when I do my IRS taxes, federal taxes. This is identity theft.
Consumer complaint received 2023-02-22
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (SC)

I have inquiries on my Equifax report that I never made. I need these removed I have tried several times to have them removed. I didn't inquire with these companies. 

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 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (NC)

I acquired my credit report and asked the LVNV FUNDING LLC to validate as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. And one more thing, they didnt even record the current status of the disputed information. LVNV FUNDING LLC is holding me back from raising my XXXX XXXX so that I may acquire new credit and purchase a house. This is very frustrating and discouraging because I am trying to build positive credit and buy a house for my family but LVNV FUNDING LLC is not doing its job according to the law
Consumer complaint received 2023-02-22
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

XXXX continues to allow debt collection agencies to post a collection on my report for the same debt over and over -- a debt that is not mine but belonged to my deceased brother. 

I have contacted them several times, but they refuse to remove my dead brother 's name as a " also known as. '' This is the third time I have had to fight this, and every time they allow a collection my credit score is drastically impacted.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

My federal unsubsidized student loans were taken over by Mohela from XXXX in XX/XX/XXXX. I was previously enrolled in the Revised Pay as You Earn program which would have required me to pay ~ {$60.00} dollars a month under my income prior to that time. Because of the COVID pause on payments, I had been making qualifying payments of XXXX dollars until Mohela took over my loans and continued with these XXXX dollar payments until the COVID payment pause ended in XXXX, XXXX. When Mohela updated their expected payment amount in XX/XX/XXXX, they incorrectly placed me in the Level Payment Plan and gave me an estimated monthly payment of ~ {$2000.00}, despite their responsibility to place me in the SAVE plan ( since I was confirmed previously enrolled in the REPAYE plan ). I spoke to Mohela on XX/XX/XXXX explaining their error, shared proof of my prior enrollment in REPAYE ( through my National Student Loan Data System document from Studentaid.gov ), and they placed my on administrative forbearance and said that they would correct the error. One month later they had not made any corrections and did not notify me of any missing information. On XX/XX/XXXX they notified me that I was still on the Level payment plan with the ~ {$2000.00} payment due in XXXX. I called them again on XX/XX/XXXX and they said that they needed more proof of my prior enrollment in REPAYE, despite that already having been confirmed with them in the past. They recommended I could simply re-certify my income, however this would lead to a higher payment due to my new marital status and higher spousal income ( and re-certifying should not be needed until XX/XX/XXXX at the earliest had Mohela not incorrectly placed me in the level payment plan ). Since payments have resumed, Mohela has allowed my interest to accrue under administrative forbearance which had added to my student loan burden, when I should have been able to make 2-3 payments of ~ {$60.00} to avoid any interest accrual under the SAVE program that I should have been placed in.
Consumer complaint received 2024-03-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (PA)

Trying to reach out to company but doesn't have a phone number that displays on website. When entering login information I get a bad URL which doesn't give you a number to call the company. Can't access personal info to make payments or to see status of loan. Payment was taken from checking account 2 weeks ago but just checked my credit report and they have account as a charge off or closed! I have no way of contact to even discuss what that is from or if was mistake!