davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
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. (LA)

This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

Collection was placed on my credit report. Contacted reporting agencies to dispute information. Sent a debt validation directly to the reporting agency but no response. Reporting agencies did not resolve the issue. I was a victim of identity theft within the last 7 years and this might have been a residual effect.
Consumer complaint received 2017-05-03
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: EQUIFAX, INC. (TX)

There are many inquiries appear on my report without my permission :   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 2023-02-02
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)

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$96.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-26
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. (GA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

I have been having a lot of problems with my account with wells frago. Its been money taken and transferred out of my account without my authorization and things charged on my account, Im not sure what is going on but I have been locking my account and its still happening. I have literally ordered at least 4-5 cards in the past 6 months, so this has to be a inside job from the bank its self and this is why I had to switch all direct deposits to another account and not been loading any money to my wells frago account until I get to the bottom of it.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (VA)

Received alert from a credit bureau there was a hard inquiry for a credit card, ComenityCapitalBankXXXX  on XX/XX/23. I did not apply for this card.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (TN)

I was XXXX XXXX XXXX XXXX XXXX. XXXX was on direct debit through debit card. XXXX was lost and had to be replaced. Forgot that this bill was being paid through the card so it defaulted. 
XXXX was only about 10 days late and they suspended my service Without any notice written, email, or phone call. This was XX/XX/2022. 
We had not been late on a payment in 15 years due to the direct debit and I was incensed that they suspended my service after only 10 days so I called them and canceled my account. This was XX/XX/2022 I should have only been responsible for prorated amount that was past due and not the entire bill since it is paid in advance. 
Also they charged me for the entire next month even though I had canceled the service weeks earlier. 
They tried to collect this and I objected obviously. They turned over to Creedence collection agency They also tried to charge me an extra {$40.00} fee for non return of equipment which was returned and verified. 
I can provide documentation supporting my argument. 
XXXX XXXX XXXX turned me over to collection ( Creedence ) and I Formally disputed the charges through written document but they still continue to harass by making repeated phone calls which is illegal. 
They also Put mark on my wife 's credit since the debit card was in her name. 
I Provided them with evidence supporting my argument but never got a response as I assume they just don't care. I have attached bank statements that show continued withdrawal till XX/XX/2022. 
I have attached files that show the charges AFTER I canceled service XX/XX/XXXX. There is a bill shown from them that shows ADJUSTMENTS to charges on that same date and a screenshot of XX/XX/XXXX phone call from me to verify. They then proceeded to charge me again for services in XXXX. 
Thanks.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (CA)

I am a consumer by law and this is not sent in error. my credit report is reporting misleading false information that is causing financial stress on my life. These items are being reported without my consent.
Consumer complaint received 2023-06-26
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Greetings, While reviewing my credit report I noticed an unauthorized inquiry that I do not recognize. I did not authorize any of these 3rd parties in reviewing my credit report on this specified date. There is also no corresponding open accounts on my credit report. According to the FCRA, anything posted on my credit report must be AUTHORIZED, ACCURATE, and VERIFIABLE. I have listed this unauthorized inquiry below : XXXXXXXX XXXX XXXX  XX/XX/XXXX I am confident that your agency will do your due-diligence in correcting this erroneous error in hopes of not damaging my reputation as a consumer and resulting in escalation. 



With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-14
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)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

filed a complaint with cfpb and against XXXX /transunion and a pay status was added to the account that this was a chargeoff account, this was never listed that way before, it was settled for less than amount owed but never charged off it should just say paid, XXXX was paid through XXXX also and they are reporting paid {$0.00} pay status current, on the XXXX account XXXX and XXXX is reporting paid {$0.00} pay status unknown and current, TransUnion is the only one reporting late payments when they were reporting after the account was paid. The pay status just needs to read current
Consumer complaint received 2023-02-10
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)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Name of the merchant : Pottery Barn Purchase date XX/XX/XXXX Bill date XX/XX/XXXX using Pottery Barn Private Label Credit card serviced by Capital One. Credit card was billed and transaction was posted before delivery was received. 
Purchase total {$2800.00} I filed a dispute with Capital One on XX/XX/XXXX and the dispute was denied as they stated the disputed needed to be filed within 60 days of purchase. 

On XX/XX/XXXX received the modern farmhouse round pedestal extending dining table, however, the table had several imperfections upon delivery. I notified Pottery Barns customer service immediately via phone and provided pictures of the imperfections and damage to the table via email. They stated they would send me a new table in XX/XX/XXXX. The date of the replacement table continued to be pushed out and is now slated for XX/XX/XXXX, more than a year after I received the initial table. I asked for the table in my possession to be returned. They agreed to pick it up for a full refund. 

I have had to call several times to find out when the credit should show on my credit card. Each time I was given a different story. I was first told the refund had been released and it would be XXXX to 10 days. After 10 days I called back and they stated the card declined the return and stated they would try again. I asked if they needed the card number to reprocess and they said no. I asked if someone could call me back to let me know if the refund went through and they said they dont call back customers. 
I called back on XX/XX/XXXX as no credit was showing on the credit card and spoke to XXXX. She stated she opened a ticket for her supervisor to find out what was going on and they would give me a call back. I never received a call back. She provided me with this confirmation number during the call XXXX. I called back on XXXX/XXXX/XXXX and spoke to XXXX. She informed me needed the credit card to place the refund. I gave her the credit card information. She stated I would have to call back and follow up if I did not see the credit within XXXX days. I called back on XX/XX/XXXX and spoke to XXXX. She stated they were working still working on the refund and it would be XXXX business days. 


Are you able to help me with my refund? 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (NC)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-06-14
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-26
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. (NC)

Subject : Disputed Account with XXXX XXXX XXXX Dear Experian Consumer Relations, I am writing to address a concerning matter regarding a disputed account associated with XXXX XXXX XXXX on my credit report. XXXX and XXXX have already investigated this account and promptly removed it from my credit file. I kindly request that Experian follows suit and removes the account from my credit report as well. 

The continued presence of this reported information on my Experian credit report has resulted in significant difficulties. I have been denied credit and housing due to this account, receiving Adverse Action Notices as a result. I have had no contact with XXXX XXXX XXXX, and they have no legitimate grounds to collect on the alleged debt. 

I request that Experian conducts a thorough investigation and promptly removes the disputed account from my credit file. I have attached supporting documentation, including the removal confirmation from XXXX and XXXX, to assist in the investigation. I appreciate regular updates on the progress of this matter and a written confirmation once the account has been removed from my Experian credit report. 

Please conduct the investigation and correct before the next reporting date. 

Thank you for your attention to this urgent matter. I trust in the fairness and accuracy of the credit reporting system and look forward to a swift resolution before the upcoming reporting period. Please contact me if you require any additional information or have any questions. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-02-03
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? You obviously are reporting the wrong balance and I have sent my original documentation to proof to you that the balance is incorrect. Under the laws of the FCRA I know that I have reason to sue you for many violations. I enclose copies of my requests asking to validate or remove this account. The letter is dated, and time stamped so there is no way to lie during court. I will be filing a statement of claim if this account is not removed. Stop reporting this information on my credit report for failure to legally verify.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Robinson, Reagan and Young PLLC (TX)

The collector is actively trying to collect on a debt in which the last activity was in XX/XX/2012. As a resident of the State of Texas, the statute of limitations on debt is four ( 4 ) years. In addition, I contacted the collector and asked for debt verification that met the standards of the Fair Debt Collection Practices. The collector only provided a " balance due '' statement with none of the characteristics that qualify under debt verification standards. 

I have subsequently sent another letter to the collector via certified mail, return receipt requested, informing them their response did not meet the requirements. I asked the debt be removed. I also notified them they are trying to collect a debt past the statute of limitation. 

As a " Law Firm '' standards exist for ethical behavior that include knowing the laws of the States in which they practice. They know, or should know, the statue of limitations in the State of Texas.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (TX)

I attempted to call and resolve and open balance I have with XXXX. I was trying to clarify exactly what I was being billed for as I had satisfied my out of pocket debt on this already. The hospital re-routed me to Central Financial Control to a Debt Collector named XXXX, ID # XXXX. 

I was confused as to why account was in collections in the first place. I asked him for clarification of what this bill was and told me it was for a hospital visit under Physican ( left blank for privacy ). This made no sense to me as this physician does not work at this hospital and is in fact my doctor at a completely different private practice called ( left blank for privacy ). 

I asked for a detailed summary of the charges and the collector said he would send me to me. All was fine here until he decided to tell me that he would be reporting this on my credit history. I asked why he was threatening me before providing the requisite details and he then proceeded to tell me that If I did not satisfy my debt that my credit would be affected. 

I simply wanted full disclosure and clarification on my debt before paying as I believe it is not correct. I feel his tactic was a veiled threat and that was acting outside of the parameters of his job. Because he provided incorrect information on doctors and visit dates, along with threatening my credit, I feel he attempted to force me into payment without following proper procedure. 

To be clear, I pay my debts. In this case I feel there is a mistake and do not appreciate threats from debt collectors.