davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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  XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX 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 Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-02-09
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-16
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. (PA)

I reviewed my Consumer Reports and noticed that I had nine late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) I opened an investigation and after about 25 days did not show any proof of being late on these accounts. I demand to have the late payments be removed from my report or other legal action will be taken.
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TN)

I was on the 16th day past due ( was making my payment that day ) and they called my daughter, who has not been listed as a contact, and left a message stating that they were a lawyer. No one as the location is a lawyer. They already know that it is impossible for me to contact them during work hours.
Consumer complaint received 2023-02-16
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. (SC)

On XXXX XXXX I sent out a letter after reviewing my credit score with Experian that I saw some incorrect information on my account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts which Ive listed below. Experian failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Experian can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately & not updated inaccurately. 

1. XXXX XXXX Account Number : XXXX XXXXXXXX Unverified Account 2. XXXX XXXX XXXX Account Number : XXXX XXXX  Unverified Account 3. XXXX XXXX Account Number : XXXX XXXX XXXX  Unverified Account
Consumer complaint received 2023-02-16
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-16
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-15
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

on or about XX/XX/XXXX i received call from SYNCHRONY ask me to verification and sent copy of Photo ID and utilities bills and i did sent on XX/XX/XXXX and account still restriction for no reason on XX/XX/XXXX i called the customer support to resolve the matter but those very poor customer support in philippines are incompetent and untrained, i'm attaching copy of require docs
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I recently had to get a new card series with AMerican Express due to unauthorized transactions on a previous card and exhausting the series of card numbers. 

I had to do a new card application and everything and recently got my card in XXXX. I noticed that I was charged a {$95.00} annual fee ( this is a blue cash preferred card ), even though I already paid this annual fee on the old card back in XXXX of 2022 on the old card. 

Please wiave this annual fee. I shouldn't be charged twice.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX is reporting my account that was perfectly paid and paid in full by XXXX of XXXX as a charged off account which has prevented me for the past 5 years to obtain credit tools or move forward from an accident that totaled my vehicle with a drunk driver in the state of texas. My insurance as well as myself paid this account and it is not even listed on XXXX as it was previously proven to be incorrectly reported as a charged off account though it was actually paid in full. 

The close date is also incorrectly listed as XX/XX/XXXX thought it was fulfilled on XX/XX/XXXX. This means this account is also past the Texas statue for limitations.
Consumer complaint received 2021-06-21
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: AMERICAN EXPRESS COMPANY (NY)

AMEX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (CA)

For XXXX years XXXX XXXX and their XXXX XXXX XXXX have been trying to collect a debt for medical services allegedly received by my son, who is a minor. The service are for " XXXX XXXX XXXX '' that is NOT my son 's correct name. It was clear to me from the beginning that somehow, whether through the XXXX XXXX breach or some other means that this was a fraudulent charge. I brought this to the attention of XXXX XXXX and their solution for XXXX years now has been to ignore that and send out this {$240.00} to one collection agent after another. This is harassment and a clear violation of the FDCA and they need to be fined so they will stop doing this. Now that your Supreme Court case has been decided in your favor I sincerely hope that you are back in the business of protecting consumers now and that you will stop this and all actions like this by the bad actors out there who prey on consumers.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (MS)

i have had my credit reports from XXXX experian XXXX all have pulled my personal credit report from mulitple sources over 95 times since XX/XX/2021, I have not authorized these credit pulls
Consumer complaint received 2023-02-16
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. (MN)

I am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX my debit card number was stolen and over {$2000.00} was used on my account. I reported it to my bank and they blocked the card and I was issued a new card. On XX/XX/XXXX my new debit card number was stolen again and another {$2000.00} was stolen from my account.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. FDCPA section 807 violation misleading false reporting XXXX XXXX Account Number XXXX XXXX  Please remove it from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

My son went to the emergency room at XXXXXXXX XXXX and incurred charges with a copay of 15 % of the reimbursement. As is the practoce for some reason in XXXX XXXX XXXX XXXX California hospitals and medical providers attempt to collect more than the coinsurance amount. In this case, the charges were {$10000.00} but the allowed in network charges produced an overall copay of less than {$700.00} divided between the hospital and the physician. Both of these were paid. Since then the physician has been trying to collect an additional {$30.00} and the hospital an additional {$250.00} on top of what my insurance paid and the {$700.00} I already paid.
Consumer complaint received 2023-02-16
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-03
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. (OR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to prevent erroneous information in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX  XXXX XXXX. ( Acct # XXXX ) is reporting a charge off on my consumer report, a charge off is cancelled debt. I never received a 1099-C from the creditor from this charge off.

IRS defines a charge off as gross or ordinary income. Income does NOT get reported on a consumer report.

Please refer to the laws mentioned below : 15 USC 1681s-2 ( a ) ( 1 ) ( a ) 15 USC 1681eb
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Due to student loan debt relief being on pause until litigation is complete persons with US Dept of Education loans were advised to apply for TPSLF as a means of receiving some debt relief. Under this program you only needed to be an employee of a company that provided public services and the qualifying 120 payments that are usually required under PSLF did not apply. I submitted my applications ( XX/XX/22 and XX/XX/22 ) with 3 jobs listed all of which were public service. After my application was processed I only qualified for 7 payments and only 3 were applied to my account. After further review I noticed that my current job had an end date of XX/XX/22 which was incorrect as I am still employed. I am requesting that my qualifying payments be recounted as the deferred payments during Covid weren't accounted for.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-02-09
Product: Credit reporting, credit repair services, 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. (GA)

Experian, XXXX, XXXX isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for XXXX  year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like Experian says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because XXXX is doing the same thing and it's discriminatory at this point. XXXX has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet XXXX has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX. 

They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer. 

I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. XXXX  damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees.
Consumer complaint received 2022-11-01
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)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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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. (PA)

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 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon getting an alert from XXXX XXXX I recently discovered that I have a recent collection reporting on my credit report that are from two different collection agencies but this account is an account that was recently deleted in XXXX of 2018 the former collection agency was XXXX XXXX XXXX for the same original creditor XXXX XXXX XXXX in the amount of {$790.00}. Transition has previously deleted this account, but has allowed two different collection agencies to report the same debt from the same original creditor in the same amount.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

Due to Well 's Fargo flak accounts and the ease to create a bank account. i was a victim of mortgage money transfer fraud. I wired about {$180000.00}, as a down payment for mortgage back on XX/XX/XXXX of XXXX. 
Money was transferred to a Well 's Fargo account and then transferred to bitcoin source. 

tried to sue and reported it to XXXX, but had no luck. Just heard a bout of a class action lawsuit against Well 's Fargo and i think its related to the same issue i had.