davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (GA)

According to the FCRA 1681i 5 A, any information that has been deleted from my credit report can not be reinserted unless the person who furnished the information certifies the information is complete and accurate. 
Equifax reinserted information that was previously deleted from my file that is inaccurate and incomplete and not consistent with the other XXXX major credit bureaus. This has resulted in my Equifax XXXX score gaining 100+ points then loosing those points, then gaining them again upon removal, then losing them again last month. 

Below are the accounts that they must remove from my credit file FOREVER! 

XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  GO ACCT # XXXX The above information was deleted from my file and reinserted. This is a violation of my rights under the FCRA to have a complete and accurate credit file.
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Consulting Services, Inc. (CA)

I sent Credit Consulting Services Inc debit validation letter after I seen a ding on my credit report. I never received a letter from this company to collect a debit. I wrote C.C.S on XX/XX/20 They received it with certified mail on XX/XX/20 They sent a letter back XX/XX/XXXX with just the Original creditor name XXXX XXXX XXXX XXXX and Balance of {$1400.00} Still Credit Consulting Services Inc didnt not provide Validation on this bill. 
I sent Credit Consulting Services Inc a second Response letter on XX/XX/20 and they received it on XX/XX/XXXX which I asked to send copies of Ink signature and copies of any HIPAA authorization. I still have not received any letter from credit Consulting Services.
Consumer complaint received 2017-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (MS)

This complaint is against Wells Fargo. Student loans came due, I was constantly harassed by phone calls requesting payment. I repeatedly asked for payments to be lowered, asked for detailed payment information which I never received. My parents submitted paperwork to have payments lowered and was never contacted back with an answer. I was hit with late fees for months. I still inquired about a detailed report to see interest accrued and never received.
Consumer complaint received 2022-09-13
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 2022-05-29
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION (KS)

Watch XXXX of XXXX  me and my dad went into XXXX XXXX XXXX on XXXX XXXX in XXXX Kansas I have been speaking with XXXX XXXX XXXX for a period of a several weeks and they advised me that since I was a new buyer or they wouldn't be anything down so I explained to them that I didn't have my social I mean my birth certificate that I had to take the driver 's test and they told me oh that'd be fine so I went in and explained to them that I had a freeze on my account through XXXX XXXX XXXX and equal facts and they said oh that's no problem and they told my dad that he will be the cosigner of the car come to find out they put my dad down as the owner of the car my dad his credit score wasn't even sufficient enough to even be given the loan neither was mine due to me having a credit freeze through these three credit bureaus my dad 's income is only {$800.00} a month he's on XXXX he's worked all his life and he wasn't even aware that he would be the owner of the car because they didn't tell him that and so the first day after the purchase of the car I realized that the information on the application was fraudulento and that we did not know this knowing of any of the information that they had put down they the guy XXXX I try to take the car back the first day because of the transmission was slipping jerking and he told me that I couldn't do it and I just went through the paperwork couple days after he told me I couldn't which the 372 hours had expired he said I couldn't bring it back so I reached out to the DA in XXXX Kansas and they have filed a complaint with the XXXX XXXX XXXX and XXXX Kansas and I am feeling another formal complaint with you guys I'm attaching information if you look at their reviews they have bad reviews of selling people cars and they're transmissions are going out like this one did they charge me almost {$40000.00} for a car that's only worth XXXX I had a credit freeze on my account and my credit was not accepted through XXXX to XXXX different credit agencies because of this credit freeze so I am following this complaint because they have fraudulently signed and agreed and accepted me and my dad 's signature knowing that the our credit scores was not accepted through several different major credit bureaus I have video of them of me asking to bring the car back within 72 hours the guy XXXX XXXX so the car and he told me I couldn't bring it back because that wasn't part of the policy or the agreement so the car stayed in the shop from XX/XX/XXXX XXXX maybe XXXX up until XX/XX/XXXX they supposedly put another transmission in it well the gas accelerated and ran me into a tree causing injury to me so I have insurance claim I need to take the car in to get that part fixed but yeah the car has major issues with it and I would like to speak with someone about seeking damages mental emotional and physical damages from XXXX XXXX XXXX and credit acceptance
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They have the account listed as a joint account and I did not give permission for that joint account to be opened.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I opened an account with XXXX ( Commenity Bank ) and kept the account current until several months ago when Commenity started charging late fees after they increased the amount they wanted me to pay monthly, that I could not afford. I spoke with their collections office on several occasions and was asked to provide a date when I would be able to get the account up to date. They continued to add late fees, I continued to be unable to afford the elevated payment. Commenity has several offices calling me from several different phone numbers for collections practices and they are also texting me. I have had to block several of the numbers as I am getting called from this company 10-15 times on average per per day. Sometimes it's even more. They are also calling my family members-cousins, nieces and brothers and neighbors. I am XXXX and not in the best of health. I have tried to work out payments with several of their staff, but they are demanding I give them my bank account information so they can do auto drafts from the account. I am the victim of identity theft, I won't release that information to anyone.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CO)

On the XXXX XXXX credit file Sam club show XXXX account open on XXXX XXXX/2011 for the balance of {$1.00} ( 2 ) times and another one for {$2300.00} ( 2 ) times i contacted them previous time about the issues they never fixed all my my XXXX credit score not reported accurate by same club that cause me to get a credit card
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an email saying Im past due on my capital one account. I have told Capital one before that i am not able to access my account due to phone number issues and verification. I never received a bill for any amount due. I only received a late notice and then my credit has been reported negatively due to their issue.
Consumer complaint received 2023-06-02
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. (FL)

I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXXXXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit
Consumer complaint received 2020-11-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DISCOVER BANK (PA)

my wife passed away in late XXXX. right away i noftifed them take i would not be able to pay debt for very long. paid 3 months and every month told them that i could not pay any more because my wifes income was gone. my ss droped to XXXX plus XXXX pension total XXXX iam XXXX yrs old disable with health problems can not work. paying on a morgage on our home XXXX a month XXXX lot rent plus utility bills of over XXXX a month. the virus causes more problems people are not buying and i need special needs not in other home.s they tapped my phone lines XXXX i took the line off service. then my cell phone got taped and connot find a way to fix it. the company said there is no way./ they talk to me sometimes all night at all times my chimes on clock go off on half hour and the hour they scream over the phone to mimiake that. they scream to get up the coffee is ready. and every thing else they can do to keep me awake during the night. as i told them there is no way ever to pay the bills. i talked to federal attorney in XXXX and he told me they have no way to collect when there is no money. i took care of my wife for almost 4 years from XXXX  a sickness with no cure. bills were high and i did what i had to do. the listen to me XXXX a day. you must send me a letter to talk. .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , pa . XXXX. thank you
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (KY)

I submitted a letter to the Credit Bureaus to delete this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-29
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: Credit Bureau Services of Iowa Inc. (IA)

Credit bureau services took me to small claims court for 3 accounts all at once. The judge deemed I was not responsible for the account for the amount of XXXX. I did take responsibility for the accounts for XXXX and XXXX. I have disputed the account for XXXX multiple times with prof from the court and have call Credit bureau services and they still refuse to remove the account from my credit report.
Consumer complaint received 2022-05-29
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 had a credit card balance of {$5500.00} with XXXX, which went into collections and was pursued by a servicer named XXXX XXXX XXXX. After receiving an offer to settle the debt at 60 % of the principal balance, I made a payment of {$3300.00} on XX/XX/XXXX. Despite this, my credit report incorrectly shows that I still owe a balance of {$2200.00} to XXXX. 

XX/XX/XXXX : I received email from XXXX with debt settlement options ( " Settle your account now for a lump-sum payment of {$3300.00}. That is a savings of 40 % on your outstanding balance! " ). *** Attached file " XXXX - Debt Settlement Offer.pdf '' *** XX/XX/XXXX : I called XXXX to setup payment to settle debt at {$3300.00}. Payment was deducted over the phone, and the representative confirmed that the debt has been resolved. I requested a letter to be mailed to my address confirming the same. 

XX/XX/XXXX : I viewed my credit report on Experian and it shows that I still owe a balance of {$2200.00} to XXXX. This directly contradicts XXXX 's letter of intent to settle and their statements during my communications with them. ** Attached file : " Experian credit report - XXXX  bal.pdf '' The information reported is clearly inaccurate, and contradicts all correspondence I've received from the collections agency. Beyond any doubt, either the collections agency has lied, or the credit bureau 's reporting is inaccurate. Please help me address this issue.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There saying this has been verified? However this company clearly sent me paperwork with a blank and unknown patient signature. This account could be related to fraud, it is not my signature and is unknown too me. So how are they truly verifying this account? I have included a copy of an FTC report as well. 
XXXX XXXX XXXX  Account Number:XXXX {$20000.00} Please remove this item from my credit report immediately. 

REPORTING INCORRECT BALANCE, Proof in documents attached. 
XXXX XXXX Account Number : XXXX BALANCE REPORTED BY XXXX : {$1700.00} BALANCE REPORTED BY CREDITOR : {$1600.00} Please remove this item from my credit report immediately. 

The following creditor agreed the account was paid as agreed, the creditor also stated they could find no evidence of late payments on my account. 
XXXX XXXX Account Number : XXXX Please update the late payments to paid as agreed.