davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I'm submitting this request because it's been over XXXX weeks since I sent my letters out to BUREAU. I haven't received any response at all either written or verbally.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (NJ)

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 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 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited a check into Bank of America. In the past, the funds would be available the next day. People in the bank said they have a new procedure and placed a hold on the check. I deposited the the check on XXXX/XXXX/XXXX and the money was deposited into Bank of America. I wrote the check from XXXX XXXX XXXX and they told me the money was withdrawn. Bank of America received the money but it put a hold on my account. I do n't think it 's fair that they have the money and the hold is still on account. This has been a recent change with bank of america.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I see in my report that an address that I have never lived and that the company XXXX has me in collections. I have never opened an account with them I have called the company and they have forwarded me to a collection agency. I keep on telling them that they charging the wronge person but they have not done anything. The address that shows up in my report as XXXX Ny. I have no clue of that address because I have never lived there nor have any clue of that place.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-18
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. (MD)

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 XXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account 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 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (TX)

So they say I had XXXX in 2015. I know for a fact I did n't so I asked for proof. Never received the proof. Then I dispute on XXXX XXXX and next thing it gets deleted bc I 'm sure they did n't get the proof either. But they changed names and it 's on there again. Now the are enhanced recovery company not ERC that got deleted before. They got away with changing their names and getting back on my credit report.
Consumer complaint received 2023-07-19
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. (NY)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-10-26
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: I.C. System, Inc. (GA)

I have a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the Family practice and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with XXXX, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with IC Systems for {$880.00} from XXXX XXXX XXXX and again, this bill was paid in XXXX of 2021. Thank you for your time. XXXX
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

This company I never heard of reported a medical debt on my consumer report claiming I owe them but never sent me and documents to prove how I owe them or any type of verification I have requested several times directly through usps mail and have been ignored since XX/XX/XXXX. They are also reporting inaccurate incomplete information they are reporting the account opened up XX/XX/XXXX but payment history only shows from XX/XX/XXXX. According to 15 U.S.C 1692g- validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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 NumberXXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXXXXXX 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 2016-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NM)

Continuing and Escalating Concerns of XXXX, the Work Number then, XXXX and XXXX. 

( X ) Contuined Fraud ( X ) Theft ( X ) Scamming X ( Collection ) ( XXXX, XXXX ) Public Notice {$10000.00} National Credit Systems XXXX XXXX {$1600.00} X ( Creditor ) ( XXXX, XXXX ) XXXX XXXX XXXX XXXX {$840.00} X ( Past Employers ; XXXX XXXX ) ( XXXX/Work Number ) XXXX XXXX XXXX No FICO Score ( XXXX )
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (FL)

Dear EQUIFAX MORTGAGE SERVICES : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, EQUIFAX MORTGAGE SERVICES, was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon EQUIFAX MORTGAGE SERVICES to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, XXXX XXXX
Consumer complaint received 2021-12-28
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. (DC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (ID)

I created and mailed a cashiers check to pay off this debt on XX/XX/21. The check was negotiated by Barclays on XX/XX/21. As of XXXX, it was still not reflecting paid, so I called again and opened a case. They requested that I fax over a copy of the check and I did. I sent a photo of the front and back to fax number XXXX. On XX/XX/21 they mailed a letter stating they were unable to complete the request. A dispute was filed in XXXX with the check uploaded as well.. and that did nothing. I called again in XX/XX/21 and they said they will reopen the case and to send the copy of the check in a fax again. I did. Hoping this will resolve the issue, but also wanted to file complaint.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? A few of the mentioned accounts contain inaccuracies, causing me distress.
Consumer complaint received 2021-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I was a victim of identity theft. I have been disputing this error for over two years. My last dispute was sent via mail on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive a response. According to the Fair Credit Reporting Act, the company is required to respond within 30 days. I have contacted the company and informed them of this matter to have this error removed. The representative told me that they did not respond because they don't do pay for delete disputes. Rather they settle pay for delete disputes or not, I should have been notified. If this isn't removed I will be starting the litigation process.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

In late XX/XX/2021, I mailed a certified check ( # XXXX ) to Barclays in the amount of {$5800.00}. I waited about 2 weeks until I began to worry that the check had not been credited to my account. At that point I called Barclays about the check but they said they had not received anything. At that point I thought maybe the check was lost and that I would just get it reissued by the title company through which I had completed a refinance with. After calling the title company which issued the check, they confirmed the check had cleared. I then called Barclays again to inquire about the status of this check I had mailed them. The Barclays agent told me they had created a dispute and that I would receive a response from them in the mail. On XX/XX/2021 I finally received a letter acknowledging my dispute and requesting documentation for them to investigate. This was the one and only communication I have received from Barclays in 5 months of reaching out to them. I needed to request this documentation from the title company which issued the check which took some time. After receiving copies of the front and back of the check, I sent these certified mail to the address listed on their dispute acknowledgement letter around early XXXX. It has now been 2 months since I have mailed, called and emailed them and have not received any response from them at all regarding the check.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Greetings, On XX/XX/2023, I called XXXX XXXX ( XXXX XXXX ) informing them that I would be making an in store payment on XX/XX/2023. This past Saturday XX/XX/2023 I made a payment in store to XXXX XXXX bringing my account current. 

On XX/XX/2023 XXXX XXXX ( XXXX XXXX ) erroneously and illegally reported a XXXX late on my credit file. I have never been late and also called to inform that I would be making the payment and did just that. 


When I called XXXX XXXX ( XXXX XXXX ) just today XX/XX/2023 I informed them of all of the above and asked them why they erroneously and illegally reported this late. The representative XXXX became very rude and irate and refused to remove the 30 day late and even mentioned that I had a late fee that I was not aware of. I had good credit and this has drastically effected my credit rating cause great emotional distress. 



Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2021-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (PA)

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX consumer, natural person, and original creditor to an open end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima. I was informed of this trespassing of my rights specifically 15 USC 1601- Truth In Lending Act by XXXX  XXXX XXXX XXXX XXXX XXXX d/b/a Acima on XX/XX/2021. According to 15 USC 1602 definitions of the Truth In Lending Act, i as a natural person possessing an open end credit plan was harmed by XXXX XXXX XXXX XXXX XXXX XXXX d/b/a Acima with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up too ( {$5000.00} ). XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX d/b/a Acima is now civilly liable to pay me for the damages.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

THERE ARE ACCOUNTS ON MY REPORT THAT ARE CLOSED WHICH SHOULD NOT BE ON MY REPORT AS WELL AS ACCOUNTS THAT HAVE INACCURATE DATA PER BUREAU. i HAVE SENT ACTION LETTERS DEMANDING REMOVAL AND I HAVE BEEN TOLD NOTHING HAS BEEN RECIEVED AND NOTHING CAN BE DONE. PER THE LAW VIA 15 USC 1692 AS WELL AS 15 U.S. Code 1681b - Permissible purposes of consumer reports THEY NEED TO BE REMOVED ME BEING THE CONSUMER. 15 USC 1602i. tHESE ARE ALLEGED DEBTS. I AM UPSET TO SAY THE LEASE THIS INFORMATION HAS BEEN Inaccurate and has caused major loss within my life as well as i have been harassed by these companies at terrible hours of the night and early morning. only i can validate any debt and none of these are validated. these charge offs and collections are unlawful per 15 usc laws 15 usc 1681a2-b what congress says should never be on a consumers credit report.
Consumer complaint received 2021-12-28
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: WELLS FARGO & COMPANY (CA)

My complaint is in connection with Wells Fargo Dealer SVC reporting fraudulent information on my credit report and XXXX failing to investigate this matter. Wells Fargo Dealer SVC has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as Wells Fargo can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. Wells Fargo is currently committing aggravated identity fraud as defined in 18 USC 1028A. XXXX is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

The Account : WELLS FARGO AUTO Account Number : XXXX