davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks
Consumer complaint received 2019-07-10
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am requesting information from KOHLS Dept Store on a credit account they are reporting to XXXX  XXXX XXXX. I requested an investigation of the account status and how it was being reported. Please confirm the status of your response to the following credit reporting agencies ( XXXX, XXXX, XXXX ) in XX/XX/2019.
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RECOVERY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY is held liable as well for defamation and in the state of CALIFORNIA indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PORTFOLIO RECOVERY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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: EQUIFAX, INC. (TN)

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. 
Online Information Services XXXX, XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 2019-07-10
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 — Investigation took more than 30 days
Company: Larry H. Miller Group of Companies (WA)

I received an auto loan from Rally Motor Credit who stop reporting my Car loan to the credit bureaus and now they merged with another company called XXXX XXXX. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

Wells Fargo seems to be manipulating pending charges so that the smaller charges hit my account following a larger charge ( they'll let you charge your account up to around negative XXXX dollars if need be, and I am always sure to charge the smaller charges to my account before the larger charges if I know I won't have enough to cover it, so as to avoid excess over draft fees ; Wells Fargo will charge up to XXXX in a day ) so that they can charge the max amount of overdraft fees. Sometimes XXXX fee is worth the ability to survive, but XXXX XXXX XXXX fees can be detrimental to a lower income person like myself. When I've called to complain about this in the past, they've reversed several fees, but have refused to reverse anymore since, when I've called with the same complaints. Over the years, having been a poor person living paycheck to paycheck in an increasingly more expensive environment, I'm sure I've paid thousands in overdraft fees. It feels like robbery.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!
Consumer complaint received 2021-12-01
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. (MS)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. ()

I applied for a credit card with XXXX XXXX. It was denied due Equifax. I had a similar problem around 3 years ago. Equifax sent me a number of pages to fill out and correct their errors. It took some time to make all the corrections. Once sent back to them, the matter was resolved and I received the credit card. It now appears I have to start all over again with them. This is not acceptable to me. I have one small intentional debt and an annual income of {$80000.00}. Companies like Equifax hold a lot of influence and should be somewhat competent in their processes, otherwise, they should be investigated or shut down. What can I do about this?. Thank you ... XXXX XXXX XXXX ... .case reference # XXXX
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

I wish you have other category. I received a text message from National Recovery Agency. The text message came to my cell phone, which identify my full name and address. 
The problems are following : My phone is XXXX. Cyber criminals could hack my phone. They have my name and address, My phone could be used by someone else. Now, he or she could see message and have my address.. 

Lastly, I do not have a clue what this notice is about. 

I did request to Stop. No reply back.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

There is inaccurate information being reported on my Equifax credit report. I disputed the following and was never contacted by XXXX of their investigation : Account Type : Collection - this is not a collection Open/Closed- This is left blank, however it is a closed account Term : Missing information Paid Off : Missing information Past Due amount that was paid : Missing All of this information should be corrected immediately or remove this negative account from my credit file!
Consumer complaint received 2019-07-10
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. (CA)

This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXXXXXX XXXX XXXX was last reported in XX/XX/2022 and was fully paid off in XX/XX/2022. Showing I still have a balance on the account and that Im using a percentage of that credit which is affecting the accurate score of my report.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Discover credit card company.

Then onXX/XX/2019 Discover sent me a letter stating that they received communication from me or my agent indicating that I would no longer be able to meet the financial obligations on the account. And as result Discover has closed the Discover credit card account.

Since XX/XX/2019 to XX/XX/2019 ; I have called the Discover customer service telephone line several different times asking Discover to correct the mistake of closing the account and to re-open the account, but Discover has repeatedly told me the account can not be reopened and that Discover has the right to close the account at anytime according to the terms and conditions.

On XX/XX/2019 I called the Discover general inquire telephone line and spoke with XXXX, Agent XXXX in the Ohio office. She stated that Discover received correspondence from either me, my agent, or my

Power of Attorney stating that I would no longer be able to meet the financial obligations on the account, and to closed the Discover credit card. She explained that Discover 's terms and conditions states that Discover has the right to pull the credit from the account if it is determined to be in Discover 's best business practice. She provided me with an address to correspond to about the account at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. She further stated that once the accoun
t is closed that the account could not be reopened at this time.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> at XXXX I made an attempt to resolve a fraudulent transaction, the representative stated he could not provide proof that I would not be responsible for the fraudulent transaction in the form of a debt validation letter, I made it clear to him that since he's going to violate FTC Section 809, Refusal Of Validation Of Debt Letter, I will pay the disputed/Fraudulent amount of {$13.00} to avoide having a closed account with balance on it, and that XXXX XXXX can refund the {$13.00} & or {$13.00} back to my XXXX Checking account ending in XXXX,, as of present time XXXX  XXXX has violated FTC Section 807 by placing false information and or inaccurate information on my credit report, associated with the closed account account ending in XXXX,, that is closed and paid off.
Consumer complaint received 2019-07-10
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. (NY)

This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, Transunion conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to transunion, the results were in fact that I did at one point have the account and XXXX updated the account as the balance was paid in full as per XXXX XXXX XXXX and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent XXXX would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.
Consumer complaint received 2019-07-10
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)

This issue/problem is with XXXX. I have had my phone exchanged couple times, services not working, dropped calls, etc with their software. I tried months to resolve this issue, but their customer service kept putting me on hold and telling me that someone from technical support will call to troubleshoot the issues. They kept billing me enormously and hidden charges which I did not recognize. 
I called them to explain it to me and they failed to do that. Instead, XXXX XXXX  interrupted my services ( I did not have ANY DATA AND COULD NOT MAKE OR ACCEPT CALLS ) and kept charging me for reconnect fees, late charges, etc which really did not make sense when my services were interrupted and I did not have services. 

I respectfully request your company to investigate this and resolve this issues. I hope XXXX is not abusing any other customer like this.
Consumer complaint received 2019-09-20
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. (FL)

XXXX XXXX XXXX {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit
Consumer complaint received 2023-03-21
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 account list below 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 Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2019-09-24
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (NJ)

NATIONAL CREDIT SYSTEM,XXXX XXXX XXXX XXXX  BLV, XXXX, GA XXXX, ( XXXX ) XXXX I lived at an apartment which this company was the lease holder, when my lease was up I never renewed it and I had no damage to the apartment what so ever. I always paid on time and I felt I had a pretty good relationship with them very friendly and nice office lady and it was ok despite the building was a mess around the outside elevator never worked the whole time I lived there and I lived on the XXXX floor, loud people and building wasnt always secure and when needed the handy man to look at stuff took forever, besides that I had no problems till I left. A year plus later I see my credit report saying I had a bill from them, I contacted them no answer called the collectors and they was rude XXXX and pretty much blame me saying Im the one owned when they didnt even know my side or  anything. This company is terrible and the collectors, the reviews for the company online is below and I see why and I refuse to be held reliable to something I didnt do please have them remove this of my report its been on here long enough and its not my fault thank you.