davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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. (OK)

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 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 2023-01-01
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 USD 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumers report containing any of the following items of information any other adverse item of information other than convictions of crimes wich 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 repoting agency if the person knows or has resonable cause to belive that the information is inaccurate
Consumer complaint received 2023-06-07
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)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX , Act Name : XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have reviewed my consumer reports and noticed that I have two late payments on my account that I was never late for. The consumer reporting agencies play a crucial 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 the accounts that I have included in the screenshots attached to this complaint, specifically on the dates XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided, I demand these payments be updated to " paid as agreed on-time '' as they should be, due to the fact that I was never late. Thank you. Please see the screenshots attached.
Consumer complaint received 2023-05-12
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. (CA)

This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on Equifax and XXXX XXXX as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX XXXX closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXXXXXX XXXX  ( closed Accounts ) 15 USC 1681 section 602 A. 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 an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2023-07-10
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. (TX)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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)

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WV)

Since you wont provide the names of the XXXX XXXX employees that submitted the fake account application on XXXX please forward a copy of my Experian Collections file from each of your three FCRA compliant platforms. This will include the database where your provide cash/account balances.
Consumer complaint received 2024-03-01
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)

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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

The student loan servicer is failing to correct a long standing problem that I have repeatedly contacted them about. I am not receiving paperless notifications as they continue to reject my email address in their system. Every time I login I have to re-enter my email address and this causes my paperless notifications to stop until I re-enroll. The company makes it difficult to speak to a supervisor. Repeated phone calls have gone unresolved.
Consumer complaint received 2023-01-01
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. (FL)

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We have a Wells Fargo mortgage with PMI. We were told it could be removed a year ago if we paid for appraisal. Then Covid came and we decided to refi with XXXX XXXX XXXX instead. We failed to get the refi then find that Wells Fargo put us in a fore stance without our consent and our payment appeared as late and told it went to end of loan. All without us asking for any help. Now we requested the appraisal in order to take off PMI and now told we dont qualify and no explanation. We are tired of being screwed by this bank and our credit damaged. They have trapped us into keeping our mortgage with them and we never wanted them as our mortgage company due to the unlawful business they do. We want out! What can we do? Thank you
Consumer complaint received 2023-01-01
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)

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-01-01
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. (NY)

This company ( XXXX XXXX XXXX ) is in violation of 15 usc 1681 section 602 A, states i have a right to privacy.also section 604 A, states a consumer reporting agency can not furnish a account without my written instructions.also section 1692c and b, i gave no prior consent to said debt collector, XXXX XXXX XXXXXXXX to furnish my information to experian are gave consent to experian to furnish my credit report to no company.Tryed to dispute said collections on experian website and its saying its already in dispute!!
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (FL)

My complaint is against Equifax. To be brief, in 2017 I moved from XXXX to XXXX. I successfully and thoroughly completed my cancellation of XXXX as they DID NOT offer services in XXXX at this time. For some reason, I do not know why, XXXX sent my fully paid account to collections, in 2017. It is not a valid debt. I have to dispute this probably about every year with each credit bureau as XXXX gets a new credit agency every year or so sent to me ( first agency was XXXX and now XXXX ), I assume to keep it going. EVERY dispute has been removed with each bureau until recently with Equifax ( even though they have removed this collection probably about two times before in the last six years ). In all honesty, I guess my complaint is against all three agencies because there is NO REASON why I should have to keep disputing this account FOR 6 YEARS NOW ... I am so tired of having to do this especially since Equifax all of the sudden does not want to take this off. I really don't know what else to do at this point... I really need this collection removed as it is not valid and needs to stay off my report. XXXX and XXXX has already removed the collection account ( once again ). It has been 6 years! I have not set up a new account with XXXX since 2017 so any new collections should NOT be valid.
Consumer complaint received 2023-02-13
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. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts were remove from my credit report which were active accounts paid in full and currently making car payment. Each time i call regarding this error I'm transferred numerous of time. XXXX XXXX XXXX XXXX XXXX State the never stop reporting payments. Accounts were removed from my credit report in error and never put back. Calls have been placed several times with no success. I have followed the steps as advised.
Consumer complaint received 2023-06-07
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. (MS)

XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

In accordance with the Fair Credit Reporting Act XXXX 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.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/20 I filed a fraud charge in my Capital One card. I have received my new card. Even though I have a {$500.00} limit and only {$450.00} against it, they will not allow me to use my card until the investigation is over which could be 90 days. I made a payment on my card on XX/XX/20 for {$50.00}. I should have access to this credit.
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Open Date XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

XX/XX/2022 - online purchase which I never received and card was charged. 
XX/XX/XXXX - emailed XXXX XXXX XXXX  I did not get my order. Case # XXXX was assigned. 
XXXX XXXX - follow up email, I'm being charged and I don't have merchandise. Case # XXXX was assigned. 
No one responded to these cases so every month I called. 
XXXX XXXX processes their account but they always told me they could not assist me I had to contact XXXX XXXX XXXX directly. They never answer the phones. 
I was contacted 2-3 times a week for payment and each time I'd ask them were notes on my account for my disputes. 
XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX that went unanswered. 
XX/XX/XXXX, I filed a compliant with the XXXX, case # XXXX. 
XX/XX/XXXX, the XXXX closed the case due to no response from XXXX XXXX XXXX 
XX/XX/XXXX, I filed a dispute with the credit bureau because this is showing as past due with late fees on my credit file. 
I have spent over XXXX with XXXX XXXX XXXX and paid on time, why would I dispute {$85.00} and, why won't they address my dispute?
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2023-07-05
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. (KY)

A proper investigation was not done on this account. Delete this account XXXX  XXXX NEBR Child Support XXXX  because missing date of first delinquency which is FCRA required. After a reinvestigation Equifax confirmation XXXX XXXXstatement said this creditor has verified that the date is being reported correctly. 
Additional information has been provided from the original source regarding this item. So, I called and asked them how could you verify a blank or missing date of first delinquency? The representative confirmed that it wast missing.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have consistently maintained a record of timely payments on this account, never allowing them to lapse into overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.