davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
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. (FL)

I sent the three credit bureaus a letter asking them to correct this questionable information a month ago, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXXXXXX 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 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
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: Spring Oaks Capital, LLC (GA)

After checking my most recent consumer report, I noticed you are furnishing accounts that violates my Fair Credit Reporting Act rights that Congress gave me as a consumer. The reporting of this account has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit obligations for personal purposes. Ultimately your negligence has damaged my livelihood and my ability to grow in life using credit. 

A charge off is a severely delinquent account that the original company decided to not collect on any more due to their company reasons. The FCRA law I break down literally explains that a Charge off, which is a severely delinquent account aka a transaction, is not included in the consumer report! And by it reporting to my consumer report its a violation its illegal because crime at a federal level is illegal and violations to my FCRA rights are Federal Crimes! 


15 U.S. Code 1681a Definitions ; Rules of Construction, ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Transactions or experiences are not included in the consumer report yet this charge off is on my consumer report. A charge off is a severely delinquent payment. A delinquent payment is a form TRANSACTIONS. This charge off reporting to my consumer report is an EXPERIENCE between myself and XXXX XXXX. 

You are HEREBY put on NOTICE that you are furnishing inaccurate information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report. 

15 USC 1681b- Permissible Purpose of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT In conclusion, I have shown you and put you on notice that you are in CLEAR VIOLATION of the FAIR CREDIT REPORTING ACT. 

DELETE THE ACCOUNTS REFERENCED ABOVE FROM MY CONSUMER REPORTS IMMEDIATELY!
Consumer complaint received 2023-08-23
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. (NY)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORTXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

On Thursday, XX/XX/XXXX, I walked into Wells Fargo Branch at XXXX XXXX XXXX. XXXX XXXX, CA XXXX, and I tried to cash my check issued from XXXX XXXX  w an option to be payable through Wells Fargo Bank. I advised the Bank Teller that I had verified with XXXX Customer Service and Wells Fargo Customer Service agents via their XXXX customer service number the day prior, XX/XX/XXXX, that this would be possible. I had spent XXXX hours on the telephone verifying and providing check details and amounts that this was possible. They informed me that they would need to verify the check, and I was ideally understanding of that process. They came back XXXX minutes later, telling me that the check review was verified for funds but that they are trying to figure out how to cash it for me. Another XXXX min later, the Branch Manager, XXXX XXXX XXXX, XXXX ID # XXXX, informed me that the agreement between Wells Fargo and XXXX XXXX  did not allow the amount of my check to be cashed. I asked her what the limits were and explained that I had called the day prior and planned and prepared for this, but no one explained that information or provided it. Another Manager walked up and stated with my check in hand that she could run the check, but it would show as processed. I asked if she would run it and process it ; I would need a guarantee of payment, and she couldn't provide me XXXX and yelled at me and said fine then. The Branch Manager, XXXX, then stated that she was not required to verify that information for me and continued to refuse to cash the check based on any other facts ; I then asked if we could call XXXX XXXX  to demonstrate what they had told me or if she could provide documented proof as to why they are refusing to cash my check. She said we are not required to help you, and you can leave now. After spending over an hour there providing my current driver 's License and Passport as identification after waiting and verifying proof of funds for the check, they did not want to process it based on allegations that could not be proven or provided. I believe this was like another instance of the banks refusing to give people their funds and abusing their power or pure discrimination, or I have been racially profiled because I am a XXXX Woman and was treated as if I shouldn't be entitled to my funds. 

My check was a settlement check and verified multiple times for {$80000.00}. I understand banks do not hold excess notes for issuance, but I also stated I was willing to take cash notes and a cashier 's check as they are all negotiable instruments and under the UCC laws that state such facts. 

I do not trust Wells Fargo, so I refuse to be cohered into opening an account and be subject to financial abuse versus cashing a check.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (AR)

On XXXX XXXX XXXX there was a collection account added to my consumer report. Causing my XXXX  score to decrease by XXXX. 
Caine & Weiner has violated my privacy. Due to not having any acknowledgment or debt collection letter sent to me within the allotted time ( XXXX ) there was no notice or any communication between myself and the third party debt collector. Violation of FCRA.

There was no communication at all.

Not only no communication but Ive never done any business with this corporation. Ive never been to California.

Not only have this corporation violated my rights and the FCRA but theyve also violated 15 usc 6801 due to having my non- public private information.
Consumer complaint received 2023-08-23
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. (FL)

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 2024-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This complaint is in response to TRANSUNION 'S claim per CFPB Complaint XXXX that was filed in XX/XX/2024 that the late payments were verified by XXXX  XXXX, when I in fact stated that I was not late on the XXXX  XXXX account number : XXXX. Please provide me the information on how you verified the late payments to be accurate with this specific account per 15 USC 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2023-08-23
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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 2023-08-23
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. (MI)

I filed a dispute with Experian regarding an accout with XXXX on or around XXXX XXXX XXXX  claiming the balance was incorrect and was XXXX ( XXXX ) times what it should be. The incorrect balance had been reported across all three ( 3 ) major CRAs Experian, XXXX, XXXX. Experian allegedly conducted an investigation and returned the following results under Experian credit report XXXX : " The dispute for the account with XXXX XXXX XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' This is XXXX because XXXX 's accounting system does not show the balance as XXXX but XXXX. While Experian claims to review all relevant documentation included with a consumer dispute, it is clear they do not. Not even the balance history for this account/tradeline coencides with the amount Experian is reporting. I have observed this same poor behavior from Experian when disputing other inaccuracies within my Experian credit file. Experian 's practices neither meet the requirements for " reasonable investigation '' under 15 U.S. Code 1681i, nor meet the requirements of maximum possible accuracy under 15 U.S. Code 1681e. The behavior and practices of Experian constitute outright negligence and a willful abdication of a CRAs responsibility per the FCRA.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (TX)

The Company has been repeating calling me in the morning and at night. They had called me on XX/XX/2023, They called again XX/XX/2023 and so on. The action I took was inform them that they need to stop calling me when im working and or not working. I also informed them that I have a debt collector company that is handling my debt on my behalf.
Consumer complaint received 2023-08-23
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, Equifax XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports XXXX, Equifax XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am
Consumer complaint received 2023-06-21
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2023-02-23
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 (CA)

XX/XX/XXXX : I received an email from Capital One saying Ive been selected to check if XXXX pre-approved for a card. Since I have a checking account with them for many years, I decided to enter my information, and the system showed that I have been pre-approved for few of their products. Among those cards, I decided to apply for Venture card. And I got approved right away. 
XX/XX/XXXX : I received my credit card. I used it to pay global entry fees {$100.00}, and permit application fees from XXXX XXXX, CA around {$500.00}. 
XX/XX/XXXX : I received a voice message from Capitol One fraud protection, and they restricted my card. 
XX/XX/XXXX : I contacted the customer service several times. Finally, they told me I need to upload my SSN, 3 months bank statements, and my driver license. I did what they wanted me to do right away. Because I would like to remove the restriction, and proof XXXX the account owner. And this is not a fraud. 
XX/XX/XXXX : After reviewing the materials that I uploaded, they decided to close my account without even calling me to explain the reason behind this. 
XX/XX/XXXX : I received a mail telling me that my account has been closed since XX/XX/2023. I contacted customer service many times for membership fee refund. They all stated that the account was closed, so theres nothing they can do to help me with. If the company is not willing to return my annual fee, they need to fulfill their card benefit which is reimburse global entry application fee {$100.00}. Customer service representative told me they can not do that either.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torres Credit Services, Inc. (IL)

I called in verified information and I advise representative that I was disputing the validity of the debt and I will like proof of charges. She refused stating that I could not dispute the debt. I asked the representative over 5x her name which she refused to give and blindly transferred me to a manager XXXX XXXX I asked the manager several times the representative name which he didnt disclose at my leisure. I then advise him of the conversation which he told me he would handle the matter
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Near the end of XXXX I applied for Unemployment as I had been unable to secure employment, I was approved and paid out unemployment XX/XX/2022, I waited for the Bank of America Debit card and I never received it but did receive a pamphlet asking how I was enjoying using it. Upon receival of this pamphlet I called Bank of America and told them that I was still awaiting the card and it had more than XXXX business days. Bank of America said on the phone " Oh maybe it was lost in the mail '' and proceeded to order a new debit card I believe this was around the XXXX, when I received the XXXX debit card ( XX/XX/2022 ) in the mail activated it and looked at my account I saw that all but XXXX cents was left of my XXXX XXXX I called Bank of America immediately and put in a dispute on all the charges on the first card, as I never even received it in the first place. Bank of America reviewed my claim and on XX/XX/2022 denied my claim saying that " During their research, they identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account '', and promptly denied my claim.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My understanding is that FCRA 605B requires the elimination of any incorrect entries from my credit file. Would you mind reviewing the paperwork? Certain listed entries are inaccurate in terms of reporting, with incorrect amounts and dates noted.