davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (FL)

XXXX XXXX reported twice XXXX acct ending in XXXX. Account number 2 not being reported which ends in XXXX. Its showing as a closed account which is open.
Consumer complaint received 2023-07-14
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. (AL)

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. 

The letters are stated with items and issues. 

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 2023-01-27
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. (NY)

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 2018-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from Choice Recovery Incorporation in the past ( XX/XX/XXXX). No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called Choice Recovery Inc. in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX   and they were unable to provide a phone number and state that debt was sold to Choice Recovery Inc. and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

You should not provide negative information to a credit reporting organization until you have thoroughly reviewed my dispute. If negative information has already been recorded, you must tell the agency to remove it until the investigation is completed so that my credit report stays correct, or at the very least, it is updated to reflect my dispute.
Consumer complaint received 2023-07-19
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. (LA)

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 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 2023-04-18
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. (NY)

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 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 2023-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This dispute is related to capital one credit card dispute process. Due to previous 2 disputes I had with Capital One recently, I really had 0 confidence of Capital one credit card dispute process and dispute centers. Today, I disputed this 3rd transaction as a test to look into the capital one dispute procedures. 
This case is really simple. I purchased a biscuit turnovers from my regular grocery store state bros, and the label didnt label its cheese components and Im allergic to cheese. It never happened before since it always had a cheese in the item name in previous labels. State brother said they cant help remotely until i go to the store again with a receipt. And I chose to dispute since i dont plan to go to the store any soon. Since its a {$10.00} dispute, I wasnt expecting this much hassle.

I called Capital one and specifivially told the dispute center employee that I dont want to have the follow up providing documentation procedures since its useless per my previous 2 complaints related to 2 previous disputes ( a returned merchandise and a written promise of credit ), so please reduce the dispute amount to XXXX or make this dispute a final resolution. She never asked me if im disputing the full amount of {$1500.00} and automatically disputed the full amount. Because she did that way, the capital one system immediately prompted to ask for more documentation stage and I was really upset. I basically told her my number XXXX reason of calling is to dispute the {$9.00} to avoid the hassle of Capital one useless documentation investigation stage. I asked her to transfer to her supervisor, XXXX XXXX XXXX. On XXXX XXXX. 
XXXX confirmed in the call that Capital one dont ask are you disputing the full amount or partial amount, and it always assume customers disputing the full amount. XXXX explained its a master card guideline. I am definitely not an expert of XXXX XXXX  guidelines, but i know for fact that my XXXX XXXX credit card always asks me the amount im disputing and dont always assume its a full amount. I think its not intuitive to Not confirm the dispute amount with customers and its probably a loop hole that capital 1 always has. It is always to defaultly dispute the full amount unless customers offer to reduce the dispute amount. please investigate. 
and btw, i think im gon na lose on this case once again when it goes into the documentation investigation stage, like how my previous capital one disputes ended. This dispute is to further prove theres issue with capital one credit card dispute process. Its simply not an intuitive procedure, Illy designed and very counter intuitive. Automatically dispute to full amount? What kind of design is that?
Consumer complaint received 2023-05-06
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00}
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ******* XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  XXXX  and transunion regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-05
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. (CA)

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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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 2023-05-28
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)

My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion Credit reporting agency has defamed my name and credit by posting unofficial residential addresses and 14 year old addresses on my credit report. I have asked TransUnion to remove those addresses and its response was to further denigrate my credit history. As a result of TransUnion 's failure to represent my personal information, I 've had lost out on job bids, had to get a cosigner to rent apartments and become XXXX with other XXXX thoughts. I 'm seeking financial reward in this matter. This is a discriminatory personal intention to ruin me financially with false reports. Inaccurate reports with data over ten years old.
Consumer complaint received 2023-03-05
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. (WI)

XXXX, Equifax, and XXXX are all reporting a bankruptcy on my credit profile which XXXX XXXX deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.
Consumer complaint received 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Motor Finance reposed my car when the loan was closed and paid in full all three credit bureaus report loan was paid and closed in XXXX of 2020 they came and took my car on XX/XX/2020. I was told when calling the police it was reposed
Consumer complaint received 2018-03-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY ()

XXXX /wells fargo bank fraudulently forclosed XXXX  county court XXXX  case no XXXX final judgemant XX/XX/2013 XXXX county court, kel atterneys /XXXX   /XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX tel XXXX XXXX XXXX XXXX XXXX atterney acting XXXX XXXX  they took my money and did nothing bank stole my home with over {$270000.00} equity in the house value by the bank {$560000.00} and lent a mortgage of {$250000.00} 50 % equity no missed paymants 3 forms of proof of paymants bank forged and doctered bank statemants, the bank cleared out my escrow acount prior to putting me in forclosure, the bank sent the contents of my escrow acount to my home owners insurance that was already paid for the year sent the cheques then closed the mortgage acount saying in forclosure funds came back to the bank? acount was incredit over {$7000.00}. they stole that money also a co signed insurance cheque for {$2500.00}. the bank stole also this was a complete act of fraud and deception committed the XXXX  county judge XXXX XXXX in XXXX  with the bank in a 4 min heering XXXX XXXX refused to look at proof of paymant and the court reporter disapeared? XXXX atterneys took money up front and did nothing to prevent the forclosure i have over 40 CFPB case complaints against XXXX wells fargo bank but the cfpb have done nothing for me you have all the information on file i will take the bank to court thanks o i reported the cfpb to the ombudsman for doing nothing
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV INC. (MO)

I have tried contacting this company and the website says to contact XXXX and then the card says to contact XXXX but I ask for the fraud department and Im told that they dont have one to transfer me to. The email they provided me was for fiserv and that isnt the financial institution that is providing the cards. This card is for XXXX XXXX and I seem to have to be transferred to a different department to even speak with someone in customer service. I also believe that my phone has been hacked. I have tried numerous times to work with XXXX and have also gotten a new phone. This has been something I have gone through before and had to end up filing XXXX.
Consumer complaint received 2024-03-04
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)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2020-12-17
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. (GA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-11-10
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. (CA)

In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX  XXXX  in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.