davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (SC)

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. 
Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

HAD A BAD XXXX LAST YEAR AND WAS XXXX, WAITING ON SETTLEMENT. WAS GIVEN A GOVERNMENT COUPON TO PAY HOUSE, BUT BANK WOULD NOT TALK TO ME TO HELP ME.
Consumer complaint received 2022-10-24
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. (IL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-08-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1968 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), which have significantly impacted my financial well-being and emotional state. I am seeking your assistance in addressing these violations and ensuring that my legal rights are upheld. 

I have recently discovered several inaccuracies and questionable account information on my credit report, which have negatively affected my financial standing and peace of mind. The following creditors and accounts are in question : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX I have diligently reviewed my credit report and identified multiple instances where these accounts are either inaccurately listed or not properly verified. These errors have not only affected my ability to secure favorable credit terms but have also taken a significant toll on my emotional well-being. 

To provide a personal context, let me share a distressing incident that exemplifies the repercussions of these inaccuracies. Last year, I applied for a mortgage to fulfill a lifelong dream of owning a home for my family. Despite having a stable financial history and diligently managing my obligations, the presence of these questionable accounts led to the denial of my mortgage application. This heartbreaking setback not only shattered my dream but also caused immense stress and anxiety for me and my family. 

I urge the Consumer Financial Protection Bureau to enforce the legal rights that safeguard consumers like me from unfair and inaccurate credit reporting. I implore you to intervene on my behalf and ensure that the following actions are taken : Investigate the violations of the FCRA committed by the mentioned creditors. 
Enforce the accurate reporting of my credit information in accordance with the FCRA provisions. 
Direct the creditors to remove the unverified and questionable accounts from my credit report. 
I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and diligently address my concerns. Your intervention will not only rectify the financial harm I have endured but also provide a sense of justice and relief that my family and I desperately need. 

Thank you for your attention to this matter. I am eagerly awaiting your response and assistance in resolving these distressing issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens employee promised the promotion that was being offers for {$300.00} if you change your direct deposit to the account after opening it. I asked if the offer was good for in person and online and he assured me it was. Told him I would go home and do it online if it was not and he said it would be good either way. Opened the account with him right then in person and now Citizens is refusing to honor promotion because account was not opened online. Spoken to bank manger and online account managers. Bank manger never followed up and I had to call multiple times to find out what was going on with it and she said they will not honor the promotion.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-08-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act 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 a purpose. 


Also as stated I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Consumer complaint received 2018-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

To whom it may concern, I had a late payment at Kohls in XX/XX/2017, they took away the late fee but I have called several times and they give me the run around and say they cant change it! It is my only late payment and the reason was because I moved and changed jobs. So I never got the bill or the email. I am a very responsible person and the bill was like XXXX When they finally reached me by phone it was to late. I am very frustrated and will not shop at kohls anymore. There must be something I can do. I was also given a credit bureau address from the corporate office at Kohls I wrote them but not sure what information I should have sent but it has been a couple months with no change on my credit report. Please help me!
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding LLC ( the XXXX XXXX ) currently owns the Account, having acquired it on XX/XX/XXXX. 
As of XX/XX/XXXX LVNV Funding LLC is in violation of the Statute of Limitations in New York State.

N.Y. Civ. Prac. L. & R. 214-i states a creditor or debt collector only has three years ( from the date of the last payment on an account ) to sue someone for a debt they owe. 
A pending lawsuit on this Account with case number XXXX in the Civil Court of the city of New York XXXX County of XXXX XXXX New York must be ceased along with any further contact or communication.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF NEW YORK MELLON CORPORATION, THE (WI)

On XX/XX/2023, a conditional debt payment was transmitted to XXXX XXXX, serving as trustee for XXXX XXXX, on behalf of XXXX XXXX, a juridical entity. Despite clear instructions to direct credit resulting from conversion, redemption, or exchange for a new issue to XXXX XXXX 's account, no action has been taken. As of now, over four months have passed, and despite more than four correspondences sent and received, there has been no communication beyond acknowledging receipt from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 

This inaction contradicts XXXX XXXX 's fiduciary obligations and has caused detrimental effects on XXXX XXXX 's credit profile. Despite being informed of this issue, which includes the issuance of a civil money penalty notice under Section XXXX of the Federal Reserve Act, no resolution has been achieved. Additionally, the recurrent practice of redirecting outstanding balances to short-term debt instruments like commercial paper under XXXX XXXX XXXX XXXX goes against the initial directive and further compounds the problem. 

In the midst of multiple conversations, only one representative has provided valuable insight, while attempts to engage with higher management have yielded no response. I deeply value our longstanding relationship, but I must emphasize that continued lack of action will necessitate further steps on my part. Given the complexity of the situation, involving transactions like the five special deposits and a conditional payment from XXXX XXXX, I urge XXXX XXXX to urgently address this matter, outline a clear plan of action, and work toward resolution.
Consumer complaint received 2023-08-15
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 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed inaccurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2022-04-20
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2023-08-15
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. (NJ)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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. (NJ)

There is a hard inquiry on my TransUnion report from XXXXXXXX XXXX XXXX dated XX/XX/XXXX. I did not apply for credit w/XXXX. I've sent dispute letters on XX/XX/XXXX, XXXX XXXX XXXX and XX/XX/XXXX. Each time I received a letter stating that the inquiry will remain because the company said it was accurate. I reached out to XXXX Bank Delaware ( XXXX ) XXXX XX/XX/XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that searched their database and advised me that there is no record of my full social security number used to apply for credit. I was advised to call TransUnion and advise them that nothing was found. I called TransUnion ( XXXX ) XXXX @ XXXX XXXX. I spoke to a representative ( XXXX ) that said they can't remove the inquiry without a letter from XXXX XXXX  stating that I did not apply for any credit. I called XXXXXXXX XXXX XXXX again @ XXXX XXXX. The representative stated that they can't give me a letter regarding not finding any application containing my full social security number. I was again referred back to TransUnion. I'm getting referred back and forth without any resolution.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against Experian for including incorrect personal information on my consumer report. The inaccuracies are as follows. These inaccuracies are negatively affecting my credit standing. I believe these errors violate the FCRA which mandates accurate reporting. I will attach all incorrect information to this complaint.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MA)

I initiated my withdrawal on XX/XX/2022 and was informed that the funds would be available for withdrawal on XX/XX/2022. That has not happened as of today XX/XX/2022. 

When I asked Gemini for an honest straight answer as to when I would be able to withdraw my money I was given a washed-out reply that did not truthfully respond to my concern, saying that they had 'paused withdrawals temporarily '.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

XXXX. I have an account connected to Experian XXXX and have made timely payments on the account for the past XXXX months and yet my score hasn't moved upward at all. 

XXXX. While I see XXXX score in the App, it's completely different, shockingly lower to all but me who look at it. 

XXXX. You can never get a hold of any of these people, and if you do, somehow, miraculously, the call gets disconnected. You can snail mail them and they will snail mail you back. What if you have a question? Snail mail. Experian has too much power in disrupting lives and that power goes unchecked and can not be disputed. It is terribly wrong.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC (CA)

Calling daily. Won't provide me with any information about the amount owed. What it was for. They operate under a variety of names. First it was XXXX XXXX or XXXX XXXX XXXX, then XXXX, Genesis FS Card Services ( XXXX, Oregon ). I have called several times asking for someone in authority or their Fraud Department. The operator says no one in the Fraud Dept. wants to speak with me...?? They are very evasive. They want to record the call but when I say OK and I'll record the call on me end. They say they will not converse with me if I record the conversation. 

They want my SS #, my address, DOB, and telephone number to be able to find my account. Of course, I refuse to give them any personal information. So they say without that information they can't find my account...? I know that if they had my name, phone number they could easily find my name in the account base. 

I have outstanding credit. No debt and a FICO score of XXXX. I know this is some sort of scam. I just want it to stop.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (IL)

To Whom It May Concern, I AM A VICTIM OF IDENTITY THEFT! I have submitted my personal information as well as the Identity Theft report # XXXX from the FTC to your bureau. I am in total disagreement with your investigation response. The incorrect items listed still appear on my credit report, even after your investigation. I would like these items IMMEDIATELY REMOVED and for good cause. These inaccuracies are highly injurious to my credit rating. The following are inconsistent and incorrect and have been deleted by XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  # XXXX This is the information that is inaccurate on each account listed above. Open Date Closed Date Date of Last Activity High Balance * Please delete all non-account holding inquiries that are over 30 days old. * Please add a Promotional Suppression to my credit report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. Please provide The names and business addresses of each individual with whom you verified the information above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address, or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!