davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the hospital in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about 60 pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without me?
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the hospital in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about 60 pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without me?
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I would like to file another Fair Credit Reporting Act violation against this credit bureau. I contacted this credit bureau and complained that they had re- aged a XXXX  XXXX XXXX credit report that was reporting on my credit report. They claimed they fixed it but once again they have re- aged the account saying that the XXXX  XXXX XXXX account is 1 year and 3 months and 14 days old and this is false. This is a clear case of re- aging a debt and this is a serious violation of the Fair Credit Reporting Act. This is the second time that this has been done and I am requesting that this account be deleted from my credit report immediately. If you fail to delete XXXX  XXXX XXXX from my account immediately then i take legal action against this credit bureau for violating my rights under the Fair Credit Reporting Act by re- aging the XXXX  XXXX XXXX account on my credit report twice. 
I have attached files showing that the XXXX XXXX XXXX account was re-aged twice by this credit bureau. I am submitting statements from the Equifax website which are date stamped at the top of the document showing that the account has been re-aged. I have uploaded a file called Equifax 3 which shows the date that this credit bureau claims that the last payment was made on this account and they are then saying that the age of the account is based on the day that the last payment was made on the account and this is illegal. I am also submitting other evidence to back my point
Consumer complaint received 2019-06-29
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. (CO)

Received alert on XX/XX/19 from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XX/XX/2019 was 0 % and at XX/XX/2019 it was at 64 %. 

XX/XX/XXXX and Experian both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Consumer complaint received 2023-11-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Metro Collection Service Inc. (CO)

I have was contacted by Metro Collection regarding a debt as a co-signer. I advised I will settle the debt and make arrangements to pay. I asked if the information was placed on my credit. I was informed twice that it was not there. Three months into making the payment I received a notification that the debt was placed on my credit report. After contacting the company. I continued to get the same email back with disregard of the prior conversation and agreement stating, it will be removed when paid off. This is a whole year later from the initial contact to the arrangement and now they place the debt on my credit.
Consumer complaint received 2022-10-12
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. (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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Consumer complaint received 2022-10-12
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. (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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (GA)

My name, social security number and date of birth was given to Early Warning Systems for a {$28.00} dollar over draft balance. I was never notified of the balance even after calling XXXX XXXX XXXX numerous of times asking why my account was closed. All the kept saying was we can't do business with you at this time. Now I'm having a hard time opening up an account anywhere else for {$28.00} dollars. I'm a hard working tax paying citizen that is being taken advantage of and ignored. I submitted a dispute with Early Warning nearly 6 months ago and never heard anything back
Consumer complaint received 2022-04-10
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. (TX)

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 an account without my written instructions.
Consumer complaint received 2022-04-10
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 XXXX  Account XXXX XXXX XXXX Original creditor : 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
Consumer complaint received 2022-04-10
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. (TX)

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 an account without my written instructions.
Consumer complaint received 2021-05-14
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. (VA)

having my information taking by some and them using it to demolish my good name credit report is a problem i have been trying to fix and i am hoping submitting this report will help to removed and prevent my identity to never be stolen and for someone to be able use it again.. please help by removing those bad debt of my credit.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

Received a letter today, XX/XX/XXXX that was dated XX/XX/XXXX that said they want to work with me to avoid foreclosure. Also received on XX/XX/XXXX that was dated XX/XX/XXXX stating they wanted a payment for the full amount I owe.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (MI)

Firstly, let me thank you for the hard work of your team at the CFPB. Your agency does an outstanding work and we appreciate your efforts on behalf of the XXXX people. 
Our family was interested in refinancing a family property in XXXX, Michigan. My wife XXXX visited a branch of XXXX XXXX XXXX XXXX in XXXX to inquire on this matter and was placed in touch with XXXX in their Mortgage department. XXXX sent me the contact information for XXXX, and I attempted to reach her to discuss this possible refi. XXXX did provide XXXX with my personal information as well, including my social security number. I attempted to contact XXXX three ( 3 ) times via telephone, however none of my calls were returned. You could imagine my surprise when I received a credit alert that a hard inquiry was placed through Experian. 
The Fair Credit Reporting Act XXXX FCRA XXXX has a strict limit on who can check your credit and under what circumstance. I did not authorize this inquiry. In fact, I have never spoken with XXXX nor any other representative of XXXX XXXX XXXX XXXX. Im extremely disappointed with the conduct of their team and already requested remediation on this matter. 
Id appreciate your team document this activity and investigate as you see fit.
Consumer complaint received 2022-10-25
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. (AZ)

The unverified accounts indicated below continue to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Western-Shamrock Corporation (TX)

I opened a note loan account with Western Shamrock in XX/XX/XXXX. In XX/XX/XXXX, I made a loan payment to pay the account ahead through XX/XX/XXXX. At the time when the payment was made, the loan status was current and was not behind. In fact, this account has not been behind since inception back in XX/XX/XXXX. In XX/XX/XXXX, I made another payment which paid the account ahead through XX/XX/XXXX. Since I started paying this account ahead in XX/XX/XXXX, Western Shamrock has repeatedly reported to XXXX that my account is 30-59 days behind. I have disputed this information directly with Western Shamrock on more than one occasion. I have also discussed this situation with the area manager of the local Western Shamrock office and she has verified and agreed that my account has not been late and stated this would be corrected.

Additionally, I have disputed the same information with XXXX. Both Western Shamrock and XXXX are playing the blame game and neither company has taken accountability to rectify this situation. I am seeking to have my XXXX credit file corrected as this situation is preventing me from being approved for a mortgage. 
Fortunately, my credit file with XXXX and XXXX is being reported correctly as current.
Consumer complaint received 2022-04-10
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

I accompanied my friend to Wells Fargo Bank on XX/XX/2022. My friend wanted to add my name to her safe deposit box as a backup in case anything happened to her. To do this, Wells Fargo required me to provide various information, including my license, SSN, employer, etc. At the end of this, Wells Fargo provided me with a contract to sign, which included a mandatory binding arbitration agreement. Upon seeing the terms of this contract, I was unwilling to sign and asked them to cancel the transaction. However, they said there was no way to cancel a transaction once it was started -- that it had to be completed, despite my disagreement with the terms of the contract. 

At this point, we reached an impasse. To resolve the impasse, my friend decided to close the safe deposit box and be done with it. 

However, before we could leave, Wells Fargo required me to sign that I received and agreed with their Customized Summary of the visit. Again, I refused to sign, as I wanted the whole transaction cancelled and did not agree to anything during the visit. In particular, I did NOT agree to the terms of the safe deposit box contract and did NOT agree to the forced arbitration agreement. 

Because they could not obtain my signature, instead, the Wells Fargo representatives signed an attestation that " A member of branch management confirmed the customers consent either in person at the branch or via phone call. '' This was not true - I never gave consent. 

Now, I don't blame the bank representatives -- they appeared to have no choice. Wells Fargo set this up in such a way that bank representatives can not cancel a transaction when a customer refuses the terms of the contract, but must instead move forward and get some type of signature on the customized summary. It shouldn't be this way -- no one should be forced to agree to the terms of a contract that they haven't seen yet, and customers should always have the right to abort the transaction and not sign.
Consumer complaint received 2021-08-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Good Afternoon, i filed a dispute on XXXX XXXX on XXXX  because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is XXXX  that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (VA)

EQUIFAX STATED ON XX/XX/XXXX THEY SENT MY FREE CREDIT REPORT THAT I HAD REQUESTED. 
IT IS XX/XX/XXXX AND I HAVEN'T GOTTEN ANYTHING BY EMAIL OR REGULAR MAIL FROM THEM YET.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank billed me {$230.00} on XXXX XXXX credit card statement with no explanation of the charge. XXXX XXXX says they did not charge my card. I submitted a fraud inquiry to Synchrony, they said it was fraud, can explain what the charge is for and demanded payment. I paid the charge to avoid finance charges and fees.
Consumer complaint received 2022-04-10
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. (TX)

In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX XXXX XXXX Acct # XXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( 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. 

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.