davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX by XXXX XXXX Bank. I got the XXXX card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a XXXX by phone she said no problem at all XXXX XXXX well poof my XXXX XXXX was gone by accident of course so i go 2 months maybe XXXX without it and i forget about it totally and boom it magically showed back up on my phone with a crystal clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old bill added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about 4 months ago from today I was a victim of fraud or identity theft again and my XXXX id had a recovery key put on it. Well i learned quickly that a recover key is a 25 Character Pass code they send you and not even XXXX  can help when its lost by whomever had it from the start. I was told to buy an XXXX  rep i had to cancel my old XXXX XXXX  and under new XXXX  id apply again. I needed to pay my account balance first though of course. I must have asked this rep XXXX XXXX specialists 10 times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again screwed me. The new application had failed because the rep failed to close in proper this time. well i called in to address a manager and i beleave thats the only place in the world Where a supervisor is less helpful than those under them.. well after trying to close my account as advised by a XXXX. I called in about 10 times now and 5 of which a supervisor came on it was my full time job getting XXXX to treat me like a customer and correct again there screw up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke 25 more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my XXXX XXXX  i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX by XXXX XXXX Bank. I got the XXXX card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a specialist by phone she said no problem at all XXXX XXXX well poof my XXXX card was gone by accident of course so i go 2 months maybe 3 without it and i forget about it totally and boom it magically showed back up on my phone with a crystal clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old bill added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about 4 months ago from today I was a victim of fraud or identity theft again and my XXXX XXXX had a recovery key put on it. Well i learned quickly that a recover key is a 25 Character Pass code they send you and not even XXXX  can help when its lost by whomever had it from the start. I was told to buy an XXXX rep i had to cancel my old XXXX card and under new XXXX XXXX  apply again. I needed to pay my account balance first though of course. I must have asked this rep XXXX  card specialists 10 times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX me. The new application had failed because the rep failed to close in proper this time. well i called in to address a manager and i beleave thats the only place in the world Where a supervisor is less helpful than those under them.. well after trying to close my account as advised by a specialist. I called in about 10 times now and 5 of which a supervisor came on it was my full time job getting XXXX to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke 25 more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my XXXX card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified 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 mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/XXXX, XXXX XXXX Bank pulled my and my wife 's ChexSystems scores and used them to decline our new checking account with XXXX, and to restrict and close our new investments account with them. Per XXXX XXXX 's declination letters dated XX/XX/XXXX, ChexSystems scores for me and my wife were 102 and 103, respectively, on XX/XX/XXXX. See scans of our XXXX declination letters attached. 

On XX/XX/XXXX, I and my wife both requested our ChexSystems scores directly from ChexSystems. Today, we have received our mailed scores from ChexSystems, showing that as of XX/XX/XXXX, my and my wife 's ChexSystems scores were XXXX and XXXX, respectively. See scans of our ChexSystems score letters attached. 

From the above and attached, it is obvious that XXXX XXXX had received incorrect ChexSystems scores for me and my wife, and had consequently used them to decline our checking account application in error. A clear error exists in ChexSystems score reporting when : 1 ) my ChexSystems score is reported to XXXX on XX/XX/XXXX as XXXX, then to me on XX/XX/XXXX as XXXX ; 2 ) my wife 's ChexSystems score is reported to XXXX on XX/XX/XXXX as XXXX, then to my wife on XX/XX/XXXX as XXXX.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

XXXX accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$14000.00} XXXXXXXX XXXX {$3700.00} Open balance {$320.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} has violated my rights. 15 U.S.C 1681 section 602 A. XXXXtates 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 2023-02-15
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. (NY)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : 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 2023-02-07
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am a Natural Person ; I am a human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand accounts listed below be removed because According to 15 USC 1681 I have right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 2022-11-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediatelXXXX 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 2022-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hi, I need to request a new debit card, must be sent to my mailing address which is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, California XXXX I called customer service to request this but they are unable to send me a passcode, even I added my phone from XXXX under my name. 
All the situation with wells fargo has been horrible and difficult, I posted 3 claims due the online banking issue, now I can access from the computer, but from the app is having the same problem. 
Now I need the debit card, the original never arrived
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2018 balance should have been paid off. The company is XXXX XXXX. They didnt report to trans union XXXX XXXX XXXX and XXXX that car was was paid in full and dispute should be off report.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Consumer complaint received 2022-11-22
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. (GA)

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 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 an 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 2023-04-11
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. (OH)

My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX  Account Number : XXXX 3.Validate Account XXXX  Account NumberXXXX, XXXX Account Number:XXXX Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX XXXX  Account Number:XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX  Validate Account XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sierra Holdings LLC (TX)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible sierra finance  XXXX / XXXX / 2017