davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (GA)

Equifax has continued to violate my consumer rights. I have disputed the credit transaction conducted by XXXX XXXX XXXX XXXX without my knowledge or consent on my credit report a number of times as this credit transaction should NOT be on my credit report. The CFPB has continuously and repeatedly closed my complaints with no resolution. Pursuant to 15 US Code 1681i ( e ) ( 3 ) ( A ) it is the responsibility of the Bureau to ensure the consumer reporting agencies meet all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint. The CFPB has failed to meet the prescribed responsibilities installed by XXXX, as the credit transaction involving XXXX XXXX XXXX XXXX is and has been in dispute and should not be reporting any information to my credit file. Litigation has been filed as a result of said dispute, case file # XXXX, filed in the XXXX XXXX XXXX XXXX Georgia XXXX The CFPB is not at all displaying any sense of integrity. The CFPB is prescribed to ensure accuracy and it is imperative that the CFPB comply and complete the required investigation. The XXXX XXXX XXXX XXXX account XXXX XXXX last reporting XXXX XXXX, XXXX, should be deleted and blocked from my credit/consumer report. 

XXXX XXXX account number XXXX XXXX is showing closed and should be deleted and blocked Capital XXXX account number XXXX XXXX is showing closed and should be deleted and blocked XXXX XXXX account number XXXX XXXX is showing closed and should be deleted and blocked Credit XXXX Bank account XXXX XXXX XXXX is showing closed and should be deleted and blocked XXXX XXXX account XXXX XXXX XXXX showing closed and should be deleted and blocked XXXX  account XXXX XXXX XXXX is showing closed and should be deleted and blocked ( opened XXXX XXXX, XXXX reported XX/XX/XXXX ) XXXXt account number XXXX XXXX XXXX XXXX closed and should be deleted and blocked ( opened XX/XX/XXXX reported XXXX XXXX, XXXX ) I have send Equifax the identity theft report required to support my claim. I have sent copies of my government issued identification as required. Though the prescribed laws via FCRA and FDCPA that Equifax and CFPB are required to uphold are being overlooked and blatantly ignored.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  National Credit Systems  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$7000.00}
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank snd XXXX are NOT XXXX XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of TD Bsnk Senior Vice President, Paramita Pal who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached XXXX credit report dated XX/XX/XXXX which clearly documents that my TD account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The TD Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, TD snd XXXX have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the TD CEO can!
Consumer complaint received 2023-06-03
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX  XXXX XXXX  Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my account.
Consumer complaint received 2020-06-12
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)

I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE NEGATIVE ACCOUNT AND INQUIRIES GOT ON MY CREDIT FILE. I STRONGLY BELIEVE THAT SOMEHOW SOMEONE GAINED ACCESS OF MY PERSONAL INFORMATION AND WAS ABLE TO OBTAIN THE ACCOUNT AND INQUIRIES. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE IN A TIMELY MANNER.
Consumer complaint received 2023-05-24
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. (MI)

I disputed this account information as being inaccurate, incomplete, and invalidated and each of the credit reporting agencies responded by stating they were able to verify or validate this debt. Tell me how is that possible if there is an automated system judging my disputes within seconds? No investigation was made, Under the laws of the FCRA, I have contacted the creditor myself, and they have provided proof stating that the accounts were not accurate at all as well as they were reporting incorrect information to the credit reporting agencies.. The original creditor or the Credit reporting agencies have still not corrected all the errors with this account. I have copies of my requests to the creditor, asking them to validate the debt with contracts. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, 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 that item of information from the file of the consumer
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On my XXXX XXXXXXXX XXXX XXXX, all XXXX reporting Bureaus are reporting for the XXXX of XXXX as " Over XXXX XXXX ''. I have repeatedly disputed this information including my statement showing that the payment was made before being XXXX XXXX late. They refuse to perform an adequate " Re-Investigation '' on this false/inaccurate reporting or provide me with the steps they took during this investigation. 
I have attached yet another letter with my statement to ALL XXXX major credit reporting agencies without any response with the exception of " Verified ''. Please see attached documentation and proof.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, when monthly payment is due, I made a payment of {$2700.00} to one of my XXXX  XXXX cards. The payment was made on XXXX XXXX  EST presumably after their " cut off '' time of XXXX XXXX  EST that I was not aware of. The payment was scheduled to be posted on XX/XX/XXXX because of it. The bank would have posted the payment on XX/XX/XXXX anyway even if the payment was made before XXXX XXXX  EST because it was a US holiday " XXXX XXXX XXXX ''. I called customer service that same night on a recorded line and the lady said she would waive the late fee. Upon checking today, the late fee of {$40.00} was never waived. So I called again tonight and spoke with two senior account managers to let them know this is misleading and violating UDAAP regulation. They refused to escalate for a manual override to waive the late fee. I need the late fee to be waived.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact XXXX parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX XXXX  of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX XXXX prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2023-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I spoke with a customer service representative for Wells Fargo and asked them if I could mobile deposit my fianc check into my account because he doesnt have a active checking account they advised me that it was possible as long as he endorsed it on the back so we followed the instructions and it cleared and I shredded the check as we had no use for it once it posted. On XX/XX/XXXX I got a alert on my account that my account was overdrawn by XXXX dollars due to a duplicate mobile deposit to my account so I called the customer service to investigate and went into the branch and no where does it reflect anywhere on my account or statements since XX/XX/XXXX of a duplicate mobile deposit for the same check that was deposited on XX/XX/XXXX for the amount of {$300.00} dollars. So they said they had 10 days to investigate they sent me a letter stating that the check was now deposited on XX/XX/XXXX into a other account at wells Fargo which is impossible because it was shredded and disposed of almost a year ago. The story doesnt add up because first they stated I mobile deposited it twice and then now someone else who isnt my fianc deposited into a account at Wells Fargo when he doesnt have a account with you and I only have the XXXX checking account how could they have done that without it flagging that the check has already been deposited almost a year ago to my account? How did Wells Fargo create XXXX different scenarios when if someone tried to deposit a duplicate check to their account they would get fined and not the person who it has already posted almost a year ago this is a internal error or fraud Ive spoke with many people who say Wells Fargo has many lawsuits for this type of scam.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (NV)

This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt. I know that a 1099-C had to be filed, and I never received a copy of it.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX, XXXX XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2022-12-28
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. (GA)

I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022 I was sent an email from TD Bank advising that I opened a TD Beyond Checking account number ending in : XXXX. I immediately called the business on XX/XX/2022 at XXXX to advise that I do not recognize opening this account. I was asked for my mailing address to send me to a confirmation letter. However ; almost three months later I never received any letter. I have attached a copy of the email that was sent to me by TD Bank to email address : XXXX.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Sir or Madam I am writing to dispute the following information in my credit file. 
The car loan with XXXX XXXX XXXX was pay off by my insurance in 2018 due to my car being declared a total loss. I call XXXX XXXX XXXX last week to ask why we have late payments on the account. The representative told me that I needed to make payments even if the car was declared a total loss. I am asking you to please reconsider to take these late payments off the account. We had the car for almost two years, and we never had a late payment. The account now is pay off and closed.
Consumer complaint received 2023-01-03
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

This debt that ( I don '' t recognize ) has been reporting on my credit report. on XX/XX/2019 I drew up a request for validation form along with a returned receipt and certified it. 

a little over two weeks later ARS sent back a letter stating ' this is an attempt to collect a debt ' with just an account number and that I allegedly owe {$200.00} to XXXX XXXX XXXX  XXXX. 

ARS failed to send me proper documents stating that I owe this alleged debt. 

still to this day they are still reporting this on my credit report and its hurting my score.
Consumer complaint received 2022-11-18
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Hard Inquiry XXXX XXXX  XXXX & Hard Inquiry XXXX XXXX XXXX XXXXXXXX, 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