davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2022-11-11
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)

Please remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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. (CA)

This is my NUMEROUS 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 : XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MS)

I called about not being able to view statements online to see why my bill doubled. I was told it was because my 18 month promotion on {$1900.00} has expired and they charged me {$800.00} for back interest even though I have been paying {$100.00} a month interest free so that promotion should have been almost paid off and {$800.00} is way too much interest on that amount. They called it total interest but it isn't interest if they didn't loan me the entire amount for 18 months. That should be called a penalty and is extremely misleading. 
Customer service lied and hung up on me the first time I called. Then the second guy put me on hold for a supervisor for over an hour and came back claiming to be someone else. He had a very unique voice, pattern of speaking and way of interrupting me. They said there are no supervisors and no way to file complaints. They said they can't help me with statements either so I am in the dark. I asked to take the survey at the end and got hung up on again. They are 100 % free to charge me whatever they want, illegal or not, and not be responsible to inform me what so ever.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I mailed 7 validation letters to experian in regard to this matter. I never received a response. On XX/XX/2021 I submit a complain via CFPB in regards to the matter. Experian responded that they would investigate and they closed the CFPB complaint. They did open a investigation and responded The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Experian did not provide any documentation of validation. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). I would like to know the following : 1. The first and last name of the representative you spoke to regarding these accounts 2. The time and date you spoke to this entity 3. Did this representative verify my full name, social security number, current address and date of birth correctly?

4. Did they provide you with my original contract with my original signature on it? If so, why havent you sent this information to me?

Below is the item that have not been properly verified & that you continue to report illegally. 
Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Date of Birth : XX/XX/1982 Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-11-12
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. (WI)

I am a victim of identity theft. I contacted Equifax because there were items ( hard inquiries ) on my credit file which were not mine. They were the result of another person trying to obtain credit in my name using my information. These hard inquiries are bringing down my credit score and I wanted them investigated because I know they were not mine. I asked Equifax to investigate and send me copies of authorization with my signature because I wanted proof that I authorized specific companies to pull my credit report. I submitted my dispute on XX/XX/2022, and they closed out the dispute in less than 24 hours stating they would not remove the items that were fraud. I feel they didn't even investigate because that was XXXX XXXX and most businesses are closed on XXXX XXXX. How could they have time to investigate and obtain copies of my signature in that short time frame. I sent them many documents including a police report that shows there were three instances for sure where someone tried to obtain loans and credit cards in my name. They refuse to remove these items from my credit file.
Consumer complaint received 2022-11-12
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. (OK)

This complaint is regarding Experian credit reporting agency only. 

A new collections report submitted by a collections agency posted to my account in past week. The account is reported as a credit account but is not a credit account. The collections account is a utility XXXX XXXX. XXXX does not report accounts to credit reporting agencies but reports unpaid accounts as collections that violate Fair Credit Reporting laws regarding utilities.

I disputed the utility reported to my Experian account however Experian 's lax dispute process did not address the fact the account is not a credit account but a utility account. Within 24 hours of disputing a utility account on my Experian account the account was held to be valid although utility to companies do not report accounts. Also, Experian does not make CFPB complaint results available to consumers and instead refers consumers to it's Dispute Resolution Center which refuses to provide requested information.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.
Consumer complaint received 2021-10-02
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. (FL)

All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.
Consumer complaint received 2022-11-12
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)

This is my NUMEROUS 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 listed below : XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/2022 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 2022-11-12
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. (NC)

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 U.S.C 1681 XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX reports 1 late payment in XXXX on trans union and on XXXX reports late XXXX XXXX XXXX no lates should be reported on this account 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 2022-11-12
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  accounts below have violated my rights : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Type : XXXX Account # : XXXX Account Type : XXXX  Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-12
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. Listed account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2.00}
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

I have reached out several times to wells Fargo, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

At XXXX XX/XX/XXXX I received a call from " unknown ''. The lady immediately told me " I am trying to reach XXXX XXXX, or leave a message of urgent importance regarding documents ''. I offered to take a message rather than confirm my identity. She provided no company name but told me to call XXXX and reference XXXX for " documents to be served from XXXX County Courts ''. 

Upon calling back at XXXX a new lady answered " corporate, how can I help you ''. I provided the reference number, and my name. She asked " how can I help you '' to which i replied I do not know, you called me. She " documents were served, did you receive them? '' I asked who she works for to which she finally replied " XXXX XXXX XXXX '', still not telling me the intent of the call or that it is to collect a debt. She verified my address and last four of social before offering to tell me why. After a brief hold she came back on the line to state " We are attempting to serve papers for civil suit filed for a Bank of America debt ''. 

I informed the lady the debt has been paid since XX/XX/XXXX and I have pay off letter. She offered a fax number XXXX. I asked for an address to send certified, to no avail. 

They have also called my ex-sister in law from 8 years back, my grandmother, my old roommate, and more all in one day.
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc. (IL)

I have tried to get pro com services to delete an account off of my XXXX XXXX and XXXX  credit reports the amount is {$360.00} for power company. There own representative pro com services said the social security numbers do not match mine nor does the address where I lived. They pro com services have never sent me proof showing the bill is mine and have refused to remove it from my credit report.
Consumer complaint received 2022-11-12
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. (NC)

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 : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : 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 2022-11-12
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. (NC)

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


Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : 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 2022-11-12
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2022-11-12
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-12
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. (KY)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX
Consumer complaint received 2022-11-12
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. (KY)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX