davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (AL)

In XX/XX/2019, I provided police reports ; regarding numerous fraudulent XXXX XXXX  accounts ( No Account Number provided ) to XXXX, XXXX, & Experian. The agencies removed some of the accounts, but not all. The five remaining accounts creditor information was changed to Dept of EdXXXX XXXX which remains on my credit report today. 

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, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of Ed/XXXX : # XXXX, Dept of Ed/XXXX : # XXXX, Dept of Ed/XXXX  : # XXXX, Dept of Ed/XXXX XXXX  # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided have 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 2020-12-31
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$5500.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2022-10-30
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. (IN)

XXXX XXXX XXXX XXXXXX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.
Consumer complaint received 2022-10-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

EXPERIAN HAS THE NERVE TO SEND ME A LETTER SAYING UNLESS YOU SEND US ADDITIONAL RELEVANT INFORMATION TO SUPPORT YOUR CLAIM WE WILL NOT REINVESTIGATE THIS INFORMATION AGAIN!!!!? THE NERVE REALLY!! HOW ABOUT STOP WASTING MY TIME AND MAKE IT RIGHT!!! 

ATTACHED IS MY CREDIT REPORT THAT THEY'RE SAYING IS SOOO ACCURATE!! GIVE ME A BREAK!!
Consumer complaint received 2023-07-15
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)

In my complaint on XX/XX/XXXX about credit reporting, XXXX ACCOUNT XXXX XXXX XXXX replied letter on file shows the last payment date as XX/XX/XXXX. 
This means there was no more activity on this account as of XX/XX/XXXX, Equifax 's payment history shows paid on time for XX/XX/XXXX. 
The first 60 days late was reported XX/XX/XXXX. Where is the XXXX  days late payment? 

XXXX 's mentioned in the letter to reach out to the outside collection agency XXXX XXXX XXXX which shows XXXX 's has sold the account The Equifax report does not show this account sold. 
According to Equifax and XXXX reports, XXXX XXXX has been reporting ( CO ) for the last XXXX years. Equifax and XXXX are re-aging this account as they are reporting inaccurate information. 
XXXX is reporting in the letter balance is XXXX and Equifax is reporting the balance as XXXX The account opened in XX/XX/XXXX Equifax shows no data available from XX/XX/XXXX up to XX/XX/XXXX. 
ON Equifax report show activity designator closed, XXXX XXXX reported CO charged off XX/XX/XXXX, and XXXX XXXX is reporting on a closed account is a violation. 
There is no signed contract with XXXX XXXX XXXX XXXX complaints # XXXX
Consumer complaint received 2024-04-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

They HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am the consumer, natural person consisting of flesh and blood, I have proof that I was discriminated against by capital one. They have denied me my right to use credit. Pursuant to 15 USC 1691a. The first few lines.

Verbatim : 15 USC 1691a ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction
Consumer complaint received 2021-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

I received a notice from the county stating that they have not been receiving property tax payments. I contacted the county to ensure that there were no clerical errors on their end. From talking with them, they said that they had received some of the tax payments, but have not received others. They said that I needed to talk to my mortgage company to get things all sorted out. According to the bills from BSI Financial Services ( my loan servicer ), I have been paying escrow. I contacted BSI to make sure that they have been doing everything on their end. The person I talked to on the phone confirmed that I was paying escrow, and said that she would forward the information on to the tax department to make sure that they had been taken care of that. That was a few weeks ago, and I have not heard anything back since then.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (NY)

Getting litigation calls, threatening calls for wage garnishment, no many XXXX, no letters in the mail, leaving messages on family members machines, getting calls from numerous agencies since XXXX original debt from XXXX. Spoke with XXXX account was transferred as of XXXX XXXX to XXXX. Spoke with XXXX account was settled and paid. Nothing is owed. That was taken care of with Northstar location services final payment on XX/XX/XXXX settled for less than full balance. Been getting calls from the following agencies XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX. On XX/XX/XXXX, Received a call from a XXXXXXXX XXXX XXXX on XX/XX/XXXX, left nasty message no number. Received another voice message from a company in XXXX XXXX stating they needed to collect on a debt that was on XX/XX/XXXX. Received another phone call today XX/XX/XXXX left a recording with no message From telephone number XXXX XXXX. I am about had it with getting calls on this old credit card that was taken care of. I have spoken with XXXX and spoken with XXXX  and its been paid in full. I am not sure what to do at this point whether to hire a lawyer or what I am looking for help as I am very frustrated the debt is in my XXXX  XXXXXXXX XXXX so you will need different information.
Consumer complaint received 2022-11-14
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. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (TX)

I filed a complaint after discovering that some of my personal information was being used without my permission when I searched for my name on the Internet. My information was obtained by an aggregator website, which advised me to first check the website 's FAQ section and then contact approximately nine separate websites in order to have my information removed. Apart from feeling invaded because I value my privacy, I was humiliated by the fact that I had to request that my belongings be taken. I discovered unauthorized fraudulent accounts on my report and would like those accounts removed and corrected. Remove all negative and bogus accounts from my credit report. This has hampered my ability to obtain credit. I am doing everything I can.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX acct # XXXX I disputed this 4 times already and XXXX fix 's report date to on time then move the the 30 day late to another month. so they are noy really fixing. i have never been 30 days late on my account .i have deferred account payments but never 30 days late. 

XXXX never 30 days late XXXX XXXX never 30 days late
Consumer complaint received 2021-12-18
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 (FL)

On XX/XX/2021 XXXX charges in the amounts of {$220.00} and {$5.00} appeared on my XXXX XXXX XXXX  with Bank of America. The description of these charges says XXXX XXXX XXXX CA. I do not have an account with either of these companies and do not do business with them. When I called the number they were unable to help me because, of course, I do not have an account with them. 

I then contacted Bank of America and reported the fraudulent charges and Bank of America reversed the charges the following day, XX/XX/2021, closed my account and mailed me a new credit card. I thought that was the end of it but on XX/XX/2021 the charge for {$220.00} reappeared on my account as part of the balance due. The charge for {$5.00} has not reappeared. The reason given by Bank of America for charging me back for this fraudulent charge was that the merchant has provided documentation confirming I received the merchandise or service. 

I immediately started calling Bank of America and talked to numerous persons on XX/XX/XXXX and XXXX, 2021. I requested the most basic information so I could explain why this isn't my charge which is the name of the merchant, the item I supposedly purchased and when and where it was delivered. Bank of America has not furnished me with any of that information. In Bank of America 's denial letter the transaction description is blank. 

XXXX can't help me, XXXX can't help me and Bank of America won't help me. Please help me.
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC. (FL)

On XX/XX/XXXX, I received finance for {$1100.00} from myfd Healthcare Finance Direct. Our contract was for $ XXXX direct pay. The lender automatic deduct the monthly payment from my bank. On XX/XX/XXXX, I overpaid Healthcare Finance by {$5.00} / $ XXXX before the length of the loan. They website showed that I paid in full. However, their rep constantly called me day and night and emailed me bills every month stating that I still own them money. I called and explained to avail. they still stated that I own them and keep billing me.
Consumer complaint received 2021-12-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (VA)

I walked into XXXX XXXX with the intent to exercise my rights as a consumer. I filled what I thought was a consumer credit application and was coerced to put {$2000.00} down cash, no insurance included, and statements sent through the mail for the collection of a loan i had no idea of. Im aware that Truth In lending specifically states the finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a downpayment of cash involved. Insurance wasnt included and all sorts of fees were outside of my finance charge, which is a violation of Truth In Lending. I paid cash and have proof attached. These two corporations and its employees effectively worked together to deprive me from my natural rights as a consumer. WELLS FARGO employees of XXXX XXXX completely had me believe this was a consumer credit transaction. I had no intent to walk out with a loan and harassment through the mails. WELLS FARGO & XXXX XXXX created a false & deceptive loan. Harrassed me through the mails attempting to collect on this alleged debt. WELLS FARGO sent me correspondence in the mail with logos inside and outside showcasing this alleged debt to neighbors, one of which is threatening me with repossession on XXXX. It stressed me out and cause serious mental trauma and on XX/XX/21 my worst fear happened as an associate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX came and took my property away from me on XX/XX/21. My life has been ruined by this and i have no means of transportation. I cant see my daughter, get food, and take care of every day things. WELLS FARGO has no present right to possession of the property claimed as collateral through an enforceable security interest as I have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. I've tried several times to stop the harassment and threats via mail. They have yet to respond to my letters I've sent. I really need help from the CFPB & Attorney General to get this corporation to respond appropriately to my affidavits.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION (FL)

Vystar was having several issues with their website and making payments in XXXX, causing me and others to have issues with their institution. Vystar rep advised they would set up an automatic payment system for me so I did not have to use the app or online method anymore. Several months went by and I checked my account and was advised not only did I not get set up to have automatic payments taken out, my vehicle was in repossession status. I quickly made the account current and have since been current, even early on my payments. However, I was extremely upset and lost all trust with vystar. When attempting to resolve this issue and have it removed from my report, the rep at Vystar advised they did not see anything stating I made A change that would start auto payments on my account. The rep advised there was a separate log she could check to see if I did set up the auto pay method, but ultimately did not check. It is not my fault that, when I asked For the convenience of auto pay, it was not set up by the representative of Vystar. I am Not an employee and should not be held responsible for their mistakes. It is affecting every single aspect of my credit now. And I have Never had such a terrible mark on my credit. THEY ALSO NEVER CALLED, EMAILED, OR SENT A PIECE OF MAIL TO MY UPDATED ADDRESS. They stated they sent ONE letter to a place I used To live, though they have ALL my means of contact but did not utilize any of them.
Consumer complaint received 2021-12-18
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. (TX)

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

On XX/XX/2021, at XXXX pm, I purchased a {$50.00} Netspend card # XXXX, from my local XXXX. I paid {$52.00}, the receipt indicates the following : XXXX # XXXX TRN # XXXX XXXX # XXXX STR # XXXX I made multiple attempts to activate the card, three times by using their phone number, XXXX, using their website, and attempting to email them. The phone number and website wouldnt let me do anything at all. The emails were an automated response full of indecipherable code. 

I just want my money back. Im recently widowed and spent half of my remaining cash on this. Its extremely frustrating.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

This is involving a collection with XXXX XXXX. My ex-spouse XXXX XXXX signed as a guarantee for this apartment, but he was the Primary tenant. He had another residence as well, hence why he signed the apartment as a guarantor. He is responsible for this collection not me and was aware of this. And I have not seen any documents aligning me with this collection. I should not be held liable for this apartment, whenI was sustaining a household on the other side of NC.
Consumer complaint received 2022-11-14
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. (NY)

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 2022-10-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.