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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

XXXX On XX/XX/XXXX I called XXXX  fraud department to verify my FTC report and identification documents were received. The representative verified it was received and began my dispute of fraudulent activity. The equifax confirmation number for this is # XXXX. 

I called equifax fraud department on XX/XX/XXXX to dispute fraudulent information on my credit report. When I spoke to 3 representatives I was told they can not view any of my documents including my FTC report and I can not dispute fraudulent information. 

The fraudulent information are : Inquiry XXXX, XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Account-XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account # XXXX I am asking Equifax to delete the fraudulent information as stated above immediately
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015, and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times, and I have faxed the information to them twice, most recently over 3 weeks ago. 

XXXX refuses to discuss accounts which have been sent to CFC for collection, which makes it impossible for me to explain to them that they have already accepted payment in full.
Consumer complaint received 2022-11-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TN)

I just filed a complaint with XXXX XXXX they sold this account to Spring Oaks LLC, Waiting for response from Spring Oaks LLC, couldnt reply to the company because they were not in the system for complaints, how are they capable of replying and I just got some mail from them today thats clearly stated this is an ONLINE CASH ADVANCE with a drivers license, 1 check stub, that can easily be done, 2 separate sheets, 1 bank that shows deposit and credits and another bank that shows absolutely nothing. This does not show anything that proves this is mines, this is a reason why I posted documents and why I had to contact XXXX, because I couldnt open up me an account this year XXXX. I will post all these documents and they didnt respond to COMPLAINT ID XXXX Is because they were gathering all this mess to try and prove this is mines, when you submit disputes to the credit bureaus you submit all documents including DL and they submit documents to them, first thing first you continue to report a C/O account monthly and its closed, It was sold to your company from XXXX XXXX and from XX/XX/XXXX it shows INTERNET Cash Advance, no in person conversation to XX/XX/XXXX, if this is a cash advance where did you get all of these different transactions when you dont show the deposits. WHO account are you looking, you sent me 2 different banks
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX BANK that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX BANK and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-30
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. (IL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXXRecently checked my Experian credit profile and realized they had 3 different names and incorrect address. That I viewed Experians website. I called into Experian to have inaccurate information removed. I couple hours later I received a email stating that the information was updated and not removed. This is a clear violation of the fair credit report act. By Experian reporting incorrect information unaccarute information. Which is causing lenders to deny me of lines of credit and personal loans. Attached to this complaint is a screen shot of the innacurate information that I pulled from experian website. And needs to be immediately removed. Also attached is my documents of my identification
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (TN)

I never signed consent to share my information 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Repeating attempted to refinance with Wells and they turned me down. I think it occurred because I was a XXXX, XXXX XXXX I eventually tried with another company and I was approved immediately at a low interest rate. 

I think I was denied due to XXXX XXXX XXXX XXXX. I am not a male which I believe contributed to the multiple denials.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

American Express attempted to withdraw {$40.00} on XX/XX/XXXX from my XXXX XXXX checking account. For some still unknown reason on XXXX XXXX side this transaction did not go through. 

On XX/XX/XXXX, a {$29.00} charge was assessed. 

On XX/XX/XXXX, I have paid the credit card in full ( a total of {$310.00} ) from a Different ( non-XXXX XXXXXXXX ) banking account. 

Since XX/XX/XXXX, the issue has billed me multiple " Return Payment fees '', charged Interest on those fees, attempted to withdraw money from XXXX XXXX, which initiates a failed withdrawal and triggers a " Return Payment fee ''.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (NY)

I sent a different complaint on XX/XX/2022 to BRIDGECREST CREDIT COMPANY LLC, for account number XXXX. The company 's response not satisfactory and the complaint was closed. I Pointed out all of the laws that they broke this time around.
Consumer complaint received 2022-11-06
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: DISCOVER BANK (PA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " Discover, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately " Discover, '' # ( XXXX ) The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( 2 ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave " DISCOVER '' any verbal or written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. ''
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (SC)

On XXXX, I mailed request to Mariner Finance, to send the disclosure pursuant to 6802 -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (AL)

Dear Early Warning Services, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported to my bank account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

( Account # XXXX ) XXXX XXXX  - fraudulent transaction that I did not authorize in the amount of {$1100.00}. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2023-05-26
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. (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 Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with Trans Union, and XXXX. The inquiries XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/2022 2022
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Asset Group LLC (TX)

Received phone call on XX/XX/XXXX and XX/XX/XXXX and caller left the following voicemail. " My name is XXXX XXXX I'm the compliance officer appointed to contact you in regards to court sealed documents I'm routined to deliver unless the following party are contacted. Seeing as I am unable to reach you by phone I have been instructed to contact your employer as this may not be a possible place of your location due to the negligence on your end in regards to your claim I must make you legally aware that you do have the right to contact the filing party but once your claim is discarded from their office all of your voluntary rights will be forfeited and this will become a matter of public record. To avoid legal process contact XXXX case ID # XXXX. This is legal notification by telephone and it will be documented. '' On XX/XX/XXXXXXXX XXXX XXXX XXXX I called the number left on the XXXX and got a recording stating the company was XXXX XXXX XXXX and they were closed. I called the number XXXX and got someone who sounded just like the person who left the XXXX but she stated her name was XXXX XXXX. She would not provide any information on why she was calling and only stated her place of employment was XXXX XXXX XXXX. She wanted me to confirm personal info about me including my dob and last 4 of social security. I told her I didn't feel comfortable confirming this info over the phone and asked for written verification be sent to the address they had on file. She declined and said they do not send any documentation via mail. She stated she would send to my email address once I confirmed my personal info. I hesitantly confirmed my DOB and last 4 of social. She then proceeded to list a company that had 2 allegations against me but would not email me the requested documentation. She kept saying that if my email address is the one they have on file then I should have all documentation from the accusing party previously sent to email address on file. The date of accusation was from XXXX and she would not send any current supporting documentation from the accusing party. She said she had a file on me but that I should already have all of this documentation. She stated that I should setup payments to pay back any debts that I had with the accused party. I said I wouldn't make any arrangements until I could confirm any documentation. She was continually frustrated when I would ask for confirmation of documentation. I was. I was not going to engage any further via phone and wanted a written letter from the company stating the complaint and allegations. She would not provide this.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/XXXX my wife and I received messages from Wells Fargo stating we had XXXX balances in our accounts. My wife immediately called Wells Fargo customer service and was told our accounts were being shut down because of having a personal mailbox and we needed to go to a local branch and have them update our mailing address. 

That afternoon, I went into a local branch and updated our information. After that was completed, I went to a teller to deposit a check and used my debit card to confirm my account. At that time I was told our accounts where shut down. The banker ( manager ) called into Wells Fargo to see what happened and was told our accounts where shut down. 
On XX/XX/XXXX Wells Fargo issued us a check to close the account. That same day, Wells Fargo deposited {$0.00} into this account for interest. In the meantime, my wife called Social Security and a county in XXXX XXXX  that deposits money into our account for help with a tenant rent. On XX/XX/XXXX and XX/XX/XXXX those deposit where made and accepted by Wells Fargo because of the account still having {$0.00}. 
We have tried to get these funds by calling Wells Fargo customer service and numerous other departments, in person at local branches. No one can give us the money and figure out how to fix this.
Consumer complaint received 2022-11-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to seek your assistance regarding a matter involving a recent violation of my rights under the Fair Credit Reporting Act ( FCRA ) by a creditor. As a loyal customer of XXXX XXXX, I value the relationship I have with the bank and wish to address this issue amicably with their cooperation. 

In accordance with the provisions outlined in the FCRA, specifically detailed in 15 USC 1681, the creditor in question has unfortunately disregarded certain fundamental rights granted to me as a consumer. The violations are as follows : 1. **15 USC 1681, Section 602 : Right to Privacy** - This section explicitly guarantees my right to privacy regarding personal and financial information. The actions taken by the creditor have, regrettably, infringed upon this fundamental right.

2. **15 USC 1681, Section 604a ( 2 ) : Consent Requirement for Furnishing Account Information** - Under this provision, it is stipulated that a consumer reporting agency can not furnish account information without my explicit written instructions. However, such instructions were not obtained by the creditor, leading to a violation of this requirement.

3. **15 USC 1666b : Prohibition Against Treating Timely Payments as Late** - This section prohibits creditors from treating timely payments on credit card accounts as late for any purpose. Despite my efforts to maintain timely payments, the creditor 's actions have inaccurately reflected otherwise, causing undue distress.
Consumer complaint received 2022-12-30
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. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Without purchasing, amount Charge to my Credit Card, The details are as follows ; XXXX. XXXX, XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX $ XXXX XXXX. XXXX $ XXXX ( PAYMENT PROCESSING )
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX