davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead
Consumer complaint received 2023-06-24
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. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America account, and only have a Bank of America credit card attached to my SSN. I used to have excellent credit, I pay all of my bills on time and relatively leave no balance on my card. Before this incident, I had a XXXX credit score that I was very proud of. All of a sudden around XX/XX/XXXX, I got an email stating that my credit score has completely disappeared. There was no trace, and any online credit monitoring g service stated that I went from having {XXXX} in accessible credit to XXXX. I did not close any accounts, and my credit card was still active, so this made XXXX sense. Upon calling time and time again to BOFA, they stated that they have no control over this, and that the last time my credit was reported was in XXXX of XXXX.
Consumer complaint received 2019-03-01
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: CITIBANK, N.A. (CA)

The company sent me a letter in the mail stating that they would remove the inquiry in 30 days or so, 3 months later there has been to update. They agreed to code the inquiry as a soft inquiry yet it is still reporting as a hard inquiry.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

Hello, I am writing to see if you can help me out with this issue. I had an XXXX XXXX account and recently the card was closed without notice to me or my spouse. I reached out to the company and was told the account was closed due to missed payments. I had the account open for 9 Months and no issues used regularly since my wife is back home in the states and I am currently XXXX in XXXX. During the XXXX season we tried making several purchases for our kids and come to find out the account was closed out. Ultimately I spoke with the service agent and was told that I had to re-apply because my account was closed which negatively affected my credit report and scores. I did not re-apply and won't with a final decision or review of this matter. Never carried over a balance always paid in full and never had issues with payments with the exception of one simply because my debit card expired and needed a new card. They also never published my XXXX statement.
Consumer complaint received 2022-11-17
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NC)

Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX is applying a 14-day hold to ALL of my payments under the pretense of ensuring the transaction clears my bank. This is 100 % a lie. The payments being made are coming out of my checking account directly in one or two days at the most. Additionally, this Credit Card has very POOR English-speaking customer service agents that make discussing this impossible. If I were mailing a check, I would understand. I also pay my balances off immediately as this is my only Credit Card and I rely on its liquidity to use for various reasons. Additionally, Truth In Lending should require Genesis to provide some written estimate of when the payment will be applied. Instead, I have to call a non-English speaking person and ask when. Many times the males tell me this is a service that is not performed. It is only when I speak with a female, my request is provided verbally and the hold is placed at a maximum.
Consumer complaint received 2023-06-24
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : DEPT OF INTERIOR XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-06-24
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. (TN)

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but experian XXXX and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions account.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Received letter from Wells Fargo XX/XX/XXXX indicating they wanted to clarify a product that I might have or have not requested. ( I will include letter ). I didnt authorize XXXX XXXX and I never knew anything about it. I HAVE COMPLAINED OVER THE YEARS SINCE XXXX how Wells Fargo has violated my privacy and rights. Now all they do is send letters about 10 days as if they dont have to answer to anyone. Let me be specific, I am convinced this is racially motivated by the outcome of my complaints to continuously be ignored from the UNAUTHORIZED XXXX XXXX PRODUCT, AND A RACIALLY STIMULATED FINANCE RISK BASED PRODUCT TO CAUSE FINANCIAL HARM AND NO ABILITY TO AFFORD. I ask in this complaint, if anything here is not understood by the way Im writing about the issues, please allow me an accommodation to get further help as to why Im being ignored and totally disregarded as if my money doesnt count. As in take complete advantage of me because Im XXXX XXXX This has to stop and I will seek justice. Im open for legal guidance because Wells Fargo has been nothing but disrespectful to me and has totally violated my privacy. Wells Fargo also has TWO FRAUDULENT ACCOUNTS IN MY NAME WITH MY DAUGHTER WHO WAS A MINOR AT THE TIME SOCIAL SECURITY NUMBER. IM STILL WAITING FOR THE CHECK FOR REIMBURSEMENT OF XXXX PRODUCT. This was initiated XX/XX/XXXX. I HAVE GONE INSIDE A WELLS FARGO BRANCH TO FIND OUT MY IDENTITY WAS BEING USED HAVING MY MINOR CHILD SOCIAL SECURITY NUMBER ATTACHED. ALL I EVER GET IS NEED MORE TIME LETTERS SINCE XXXX with no resolution EVER! I have received a couple of small checks between XXXX & XXXX. But this is unacceptable and definitely offers the opportunity to make it right but Wells Fargo still HAS RACISM IN ITS CORE!! I have a letter to hear from WELLS FARGO BY XX/XX/XXXX. I FEEL THE ONLY WAY TO STOP THE UNLAWFUL BEHAVIOR AND LACK OF CARE IS TO GO TO COURT. I HAVE LEFT MESSAGES XXXX XXXX NO RESPONSE FROM ANYONE!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-06-24
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. (TN)

I previously disputed this account stating : " This account is incorrectly reporting that I have 13 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

also this account was found to re-age my account and i have proof of the re-aging and its still on my report. 

according to consumer law re-aging is illegal and has the consequnces of immediate deletion from the bureau reporting it but also this credit bureau says it verified the account to be accurate and didnt catch the re-aging... so that means the verification of the debt was never done and just falsely claimed. 

i reported XXXX  re-aging my account to experian and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' experian said they did an investigation and the re-aging dates were still on my account. 
as per the attachment experian never did an investigation or made sure the debt was valid on their site. 

experian let XXXX  re-age my account for their persoanl gain. 

experian complied with XXXX  and since transunion gets paid by XXXX  to report both parties willfully conspired to deceive me and harm my credit for their profit and gain. 

they claim it was opened on XXXX last reported was XXXX date /last active was XXXX date of last payment was XX/XX/XXXX how could i have made a last payment on XX/XX/XXXX and my account was last active on XX/XX/XXXX. 

also on XXXX they reported my activity was on XX/XX/XXXX. 

they re-aged my account from XXXX up XXXX years to XXXX. 

to have this account deleted and monetary resolution be given to me in the form of {$2000.00} for the finanacial harm they caused
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Don't belong to me, I don't have a contract with this company, it's inaccurate. account XXXX for {$570.00}. I requested original contract and debt validation letter.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Regional Management Corporation (NV)

XXXX XXXX XXXX of Regional Finance is in violation of { 15 U.S.C. 1692 }. He call my phone an about debt I do not owXXXX XXXX XXXX in the morning. He keep stating that he want me to file fraud charges on an unknown person. He accused me of lying when I showed him letter from XXXX XXXX. He is in violation of { 15 USC 1611 } willing & knowing committing illegal act. 

PDF is in filled of proof includes call log screenshots, letters, cfpb screenshots
Consumer complaint received 2023-06-24
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 third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my account.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The loan servicing website is broken and does not allow users to log in and pay their mortgages. This has been ongoing and is causing people to miss payments. They do not answer phone calls and there is no email address to contact them at. They are forcing their customers to pay late fees that are out of their own control. This is completely unacceptable for a company in 2020. Website outages and log in problems should not happen and they need to be transparent when it does happen instead of pretending nothing is wrong.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-10-09
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: Experian Information Solutions Inc. (TX)

This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks
Consumer complaint received 2023-06-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$6900.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}