davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (MI)

XXXX XXXX XXXX account # XXXX 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 They are not able to provide me original contract with my signature, also this account has reached statue of limitations and should be removed from my credit report
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I just recently disputed multiple credit inquiries that simply aren't mine and I never applied to these places. I also submitted a complaint here regarding those specific inquiries. Equifax just responded to me that they closed the dispute and that these inquiries will stay on my report until XXXX 

THEY ARE REFUSING TO PROVIDE ME WITH PROOF DOCUMENTATION AS PER THE LAW OF WHY THEY ARE REPORTING THIS. I have requested from them multiple times to either verify these inquiries are mine and send me those verifications showing any application with my signature. 

They are refusing to provide me with these documents and are simply declining the dispute without providing me the requested information. 

They are seriously violating the law and I would like for this matter to be escalated.
Consumer complaint received 2022-11-01
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. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (VA)

Credit Karma claims " We now check both your XXXX and XXXX credit score and reports every day. While scores and reports typically dont change daily, well update your data when they do.

Keep in mind that lenders dont always report information to the credit bureaus right away. If youre not seeing information you expected, its most likely that your bank or lender hasnt reported to the credit bureaus yet. '' they are claiming to check credit reports daily everyday, this is false as I have a subscription with XXXX and can in fact see that my XXXX report updated many days before credit karma updates. This is false advertising and is in violation of the law.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out the companies I was advised that they didn't have a record on file of me every applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

PER 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AL)

I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX collections and needs to be investigated I need this removed.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (WI)

Prosper Bank stated they're aware of me filing XXXX XXXX. However, the bank is now charging additional fees while in active bankruptcy violating my federal laws creditor protection of automatic stay. namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation.Prosper is now adding additional fees while in active bankruptcy which is in violation of my federal rights. Prosper can not collect on a debt or charge any additional fees. This place of business needs proper training. I demand that Prosper removes any fee before or after bankruptcy immediately or I will file an injunction with the court. They're consistently violating my rights.

" Section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. '' Here 's prosper response ; XXXX XXXX, Prosper apologizes for any confusion this may have caused. On XX/XX/2023, Prosper waived the {$40.00} late fee and accrued interest in the amount of {$36.00} that incurred after the date of the bankruptcy filing. Prosper appreciates the opportunity to respond and hopes this clarifies and resolves the issue. 
MONETARY RELIEF AMOUNT {$76.00} How can I accumulate late fees while in bankruptcy? Or any additional fees. 

Remove all charges immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I received your letter, To REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX/XXXX, as well as, a collection agency by the name of Midland Credit Management , Inc . 

XXXX XXXX has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but XXXX XXXX kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed XXXX XXXX {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to XXXX XXXX in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What XXXX XXXX has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both XXXX XXXX, and Midland Credit Management can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want XXXX XXXX XXXX, and Midland Credit Management, to cease and desist from contacting me again, about their fraudulent debt. 

Midland Credit Management just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of XXXX XXXX XXXX  without contacting me.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (DC)

US Bank Relicard services does not have a way to report that the card I received is from a fraudulent unemployment claim. The phone tree kept trying to get me to activate the card even when I called and selected the fraudulent claim department. When I was finally able to get to what seemed to be the place to report a fraudulent card, it put me in a wait to talk to a human -- - The wait was hours long just to report fraud! Meanwhile, someone could be out spending money unauthorized! 
I called on XX/XX/2021 and spent a half hour just to get through the waiting tree and called three different times on both of the numbers provided by the DC Department of Employment Services.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my Experian and XXXX reports, as well as the reemergence of a concerning account within my XXXX report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I XXXX XXXX am a victim of identity theft and fraud. Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

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 2023-03-06
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. (MA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 has reasonable cause to believe that the information is inaccurate. 

Account Name : XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX .... 


XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXXXXXX XXXX  Account number XXXX .... 


XXXX XXXX XXXXXXXX Account number XXXX .... 

XXXXXXXX XXXX XXXX Account number XXXX ... 

XXXX Account number XXXX .... 


Account name XXXX XXXX  Account number XXXX ... 

XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX .... 

XXXX XXXX Account number XXXX 

US DEPT OF EDXXXX Account number XXXX
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with Wellsfargo and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.