davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (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. 

These accounts have violated my rights ; XXXX XXXX XXXX DEPARTMENT OF TREASU 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 2021-11-14
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. (CA)

I called Experian in XX/XX/2021, I filed an online complaint in XX/XX/2021 and I called Experian in XX/XX/XXXXregarding a negative credit report from XXXX XXXX XXXX XXXX. I filed a complaint and nothing was done by experian. I called Experian, in XX/XX/2021 and today, XX/XX/XXXX, nothing has been done, no contact form experian.
Consumer complaint received 2024-03-24
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. (IL)

I did not authorize hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I contacted XXXX XXXX XXXX about it right away when I got alert from XXXX Credit bureau. I believe, I am victim of identity theft. XXXX XXXX XXXX said they sent request XXXX different times ( first in XX/XX/XXXX, second time XX/XX/XXXX and third time in XX/XX/XXXX ) to all credit bureaus to delete the inquiry. So far only XXXX has updated my record by deleting unauthorized hard credit inquiry. Contacted XXXX and Equifax to dispute via phone and online with no luck and denying that they have not received any deletion request from inquiry originator.
Consumer complaint received 2021-11-15
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 (VA)

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. XXXX credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated
Consumer complaint received 2021-11-15
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: Experian Information Solutions Inc. (CA)

I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.
Consumer complaint received 2019-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX fails to provide evidence and verification of debt they are attempting to collect. 

XXXX XXXX PIN XXXX Amount {$1700.00} for XXXX XXXX XXXX Account # XXXX Date of Service : XX/XX/XXXX Asked for evidence of debt ( copy of bill, doctor name, etc ) on XX/XX/XXXX and again on XX/XX/XXXX. 

They continue to report on all three credit bureaus that I am delinquent. 

Consumer 's Desired Resolution : Proof of Debt, copy of billing or invoice for service on XX/XX/XXXX, doctor 's name, patient name. I need evidence that this is legitimate debt.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Business checks that were deposited into my personal checking account at wells Fargo while I was in XXXX XXXX XXXX  This is going on over 8 weeks And its always one more day or need more information Now causing bills to be late And when accounts frozen Causing late fees and return check feed
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX 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 2024-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

To whom it may concern, I am unaware of this debt, I did not have the opportunity to dispute this debt and I have not received proper notification about this debt. If in fact you believe I've received proper notification please provide the " XXXX Mail '' with the receipt with my name and signature on it stating that I have received it.1. Portfolio Recovery has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. Portfolio Recovery has not given me teh opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violation of my consumer rights by the Portfolio Recovery, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Portfolio Recovery is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to Portfolio Recovery, I XXXX XXXX is also revoking all rights of Portfolio Recovery from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between Portfolio Recovery and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of PA.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I signed up for a 0 % offer for a period of time ( i believe it was 12 or 15 months ). I  transferred over almost {$4000.00}. AmEx got me in at a promotional APR with a much higher APR once the period was up. Standard, right? I get it, but what bothers me is that I was never notified that that promotional period was close to coming to an end and being that I signed up for the offer over a year ago, it slipped my mind. Once I saw the interest pop up, I made the full payment ( {$3400.00} ), and I called in to ask for a an interest waiver since it was only the difference of a few days less than my full cycle that it took me to make the full payment. AmEx claims to pride itself in customer service, but they wouldnt do a fee waiver and they didn't notify me that my promotion was coming to an end outside of the initial agreement that I signed over a year ago. I think that reflects poor customer service. I wanted it to be known that I transact over $ XXXX/month on my credit cards. For a company like AmEx, with probably the highest interchange in the industry ( hence why many vendors don't accept their payments ), that's easily over $ XXXX/month for them if I used them for my purchases. Now I am forced to opine over a {$73.00} interest payment for a period when I made my full payment. Geez, the customer service at AmEx is getting bad ; what is the world coming to!?! I hope others in my same situation don't experience this!
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed two disputes in the past with both credit reporting agencies.
Consumer complaint received 2024-02-15
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. (NJ)

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  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me XXXX.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (VA)

XXXX XXXX is reporting unauthorized inforomation on my behalf. Under the law permissable purpose any consumer reporting agency may furnish a consumer report under the following cicumstances and no other. This company is reporting a bankruptcy. In accordance with the written instructions of the consumer to whom it relates. This is under the US code 1681b ( a ) ( 2 ) Permissible Purpose. I have not given XXXX XXXX any permission to do the following. XXXX XXXX is reporting information to Equifax and XXXX which is in direct violation to me according to the above stated law. Due the violation of this law Equifax and XXXX are also in violation of this law. Failure to have this information deleted will result in me filing a law suit.
Consumer complaint received 2021-11-15
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. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action
Consumer complaint received 2021-11-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My mortgage was in forbearance for the pandemic. The pandemic period has ended and I have been trying to work with the company on a repayment plan. They had me submit an online form. I tried to but had put wrong information in the form and had asked them to reset the online form. Instead the man submitted it with the wrong information so I was unable to complete the process. I have tried to contact them numerous times that figure out what to do to no avail. I have XXXX and can not deal with this stress. How can they expect this to be a relief program when they want you to pay a lump sum at the end. All I want to do is fix this problem so I can keep paying my home so I can live in my house. Are used US AA because theyre supposed to be for veterans and military members and they have been nothing short of horrific to deal with.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

I called Experian on XX/XX/21 promptly at XXXX XXXX central time to discuss the discrepancies about the membership fee. She still could not give me a direct answer on why I am being charged {$32.00} from XXXX a month. Also, to discuss the disputes which I was given another number to take care of the issue and still did not get anywhere.
Consumer complaint received 2021-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.
Consumer complaint received 2022-12-16
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. (ME)

On XX/XX/, my identity was stolen to open a credit card with XXXX XXXX. A credit inquiry was made on my credit report which is how I found out. I contacted XXXX regarding the fraudulent credit inquiry and the fraudulent opening of a credit card in my name and requested it be closed. XXXX XXXX indicated they have closed the account. 
I wish my credit report be cleaned of this fraudulent inquiry.
Consumer complaint received 2022-12-16
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-11-15
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. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

This collection company RPM ( Receivables Performance Management , LLC ), XXXX XXXX XXXX, # XXXX, XXXX, WA XXXX has contacted me on numerous occasions, the latest being XX/XX/21, regarding a bill for {$260.00} from XXXX XXXX XXXX  that I do NOT owe. In my last letter to them, I requested a validation of the debt. They could NOT produce any document that I signed noting such a debt that I could possibly owe XXXX XXXX XXXX. Rather than acknowledging the obvious error, they continue sending me collection letters, threatening me with a negative report to the credit reporting agencies. 

Since this company can not produce proof, or any document, showing that I owe them or XXXX XXXX XXXX money should be made to stop harassing me or by phone
Consumer complaint received 2019-07-25
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. (IL)

I tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be removed from my credit report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I have written to Experian credit agency twice ( XX/XX/2023, XX/XX/2023 ) to have them verify my information on my credit report. Both times I included by drivers license, electric bill, phone number and last 4 of ssn, with my complaint. Each time they send me a stall letter saying that these letter don't appear to be from me. In my second letter I added additional statements that this is ME. I believe they are just stalling and avoiding my letters. 
I used template letter found on the internet, and added my personal information and all the documentation I mentioned above. This is just an attempt to make up an excuse for not investigation my issues which I have the right to according the FCRA. 

They are trying to make everyone go there site rather than answer letter ( Legally ) so they can make you agree to there user agreement. I do not want or required to use there website to file a complaint. 

I want all these items removed from my report immediately.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (WA)

I work for XXXX and when the XXXX occurred was given credit reporting services through XXXX. I have been monitoring my account since around XXXX 2015. I have a copy of my most recent credit report. On XXXX I noted that " Potentially negative information has been posted to your Credit Report '' by AMEX on XXXX/XXXX/15 and XXXX/XXXX/15. I have called AMEX about this several times. They assure me that " I have always been reported in good standing '', but have referred me to their Department of Credit Bureau Unit ( DCBU ) at XXXX several times to confirm this information. When I speak to the DCBU at Amex, however, I am speaking to someone in XXXX who interrupts, seems agitated, and today sent me back to AMEX customer service without asking permission when I protested their response. The response they give is very different than what AMEX customer service gives me. While customer service assures me I am in good standing, DCBU says I have gone over limit and that is why I was reported. It is important to point out that my husband and I requested a credit limit at AMEX of {$1400.00} on the advice of our financial advisor to help curb spending. We were not told we would be allowed to go over that amount. Several times ( notably the XX/XX/XXXX and XX/XX/XXXX occasions ) they allowed us to spend more than {$1400.00}. In other words, while we thought we would be stopped at the point of purchase, AMEX allowed us to exceed the limit. This is why the negative reporting is unfair. In good faith we asked to have our spending on AMEX limited, yet they did not follow through with that promise. Only recently in an earlier call this month ( XXXX XXXX, I believe ) did AMEX tell me I must request a 'block ' be applied to our account once we reach the {$1400.00} limit in order to freeze spending beyond that point. I requested this on XXXX XXXX. This was too late, however, to avoid the negative information to the credit reporting agencies. My goal is to remove all unfair negative remarks to credit reporting agencies.