davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
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. (TX)

I have filed a CFPB complaint regarding this issue previously in XXXX of XXXX, but I now have further evidence which supports my claims. 

There is an inaccurate Bankruptcy being listed on my credit reports which I have been disputing since XXXX of XXXX. XXXX  did remove the account but XXXX  and Experian still have it listed on my credit reports. 

I confirmed with the bankruptcy court that they do not report anything nor verify anything as accurate with the bureaus ( see confirmation attached ). Once I told Experian this, they claim they verified the bankruptcy as accurate through XXXX. XXXX currently has a security freeze placed on my consumer report so they are not sharing information with the bureaus, so I determined this to be a lie from Experian. Regardless, I alerted XXXX that they had the bankruptcy placed on my account in error. They initiated an investigation and alerted me it was being removed because it could NOT be verified as accurate ( See their letter attached ). 

I provided this new evidence to both XXXX  and Experian on XX/XX/XXXX and neither have removed the account still. They are violating the FCRA by allowing this incorrect account to persist on my report and this needs to be addressed as soon as possible.
Consumer complaint received 2023-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (MA)

On XX/XX/XXXX I received an email from XXXX, from the loan company, XXXX. The email said : Hello, Thank you for your recent application for a loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. 
Click here for more information on why your application was not approved. 
Thank you, Upgrade Customer Support I did NOT apply for a loan. I clicked on the " Click Here '' link that took me to a page with a list of documents, all dated XX/XX/XXXX. In my name were the following documents : -Terms of Use Agreement -ESIGN Act Consent Agreement -Credit Profile Authorization Agreement -Upgrade Privacy Notice Agreement -Adverse Action Notice Upon seeing this, I became even more worried and called the company. The representative I spoke to said she saw " nothing in her system '' in my name and just not to worry about it. I asked, " How can you not see anything? I am on your website and see all of these documents in my name. '' They proceeded to search a different way ( my social security number, address, etc. ) and still " found nothing. '' They said for me to call the credit bureau about it, even though they said my credit was not looked at. ( How can a loan decision be made without looking at my credit? ) I requested to speak to their supervisor. The supervisor, XXXX, came to the phone and after our conversation of me explaining the situation, told me that she would escalate this and put it into an investigation. 

On XX/XX/XXXX, they responded in email to my concern, writing : " We have reviewed the details of your claim. According to our records, an application was submitted in your name. We have corrected our internal records and canceled the application in our system. No further action is required. '' So, they confirmed there WAS an application submitted in my name but told me nothing about how this has happened and how/if my social security number and personal information was compromised. Clearly if there is a loan application in my name, and I did not initiate it, there is fraud happening. I wrote back and stated their reply was not okay and asked, HOW was an application submitted in my name. 

On XX/XX/XXXX ( their email is dated XX/XX/XXXX ) they wrote again, responding, " We understand your concern regarding this matter. Unfortunately, we do not provide information on how we determine our findings to consumers. '' This is completely unacceptable to me. I need to know if my information has been compromised or not, if they have been negligent, and how they will resolve this and ensure of my consumer protection. Of further concern, I received an email last month stating the same thing about a loan being denied, but got sidetracked and did not follow up on the matter until I received a second loan denial this month. 

I have attached the emails and documents that are fraudently in my name.
Consumer complaint received 2021-03-09
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. (IL)

I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX JEWELERS XXXX 15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt And they need to show COURT PROOF
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (CA)

I mailed a certified letter on XX/XX/XXXX to Avante XXXX asking for debt validation and the company mailed me a letter back on XX/XX/XXXX stating that they were unable to locate the account. Even though the debt is on my credit report If the company cant provide me with accurate information I requested or cant locate a account with the information I provided the debt should be deleted from all reporting credit reports.
Consumer complaint received 2022-06-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2023-03-29
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-26
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: I.C. System, Inc. (TX)

I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with XXXX. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time XXXX chose to keep the erroneous information on my credit report because the collection agency, IC Systems, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from XXXX 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor IC Systems ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

XXXX failed to conduct any meaningful investigation into the factual basis for the claims made by IC Systems. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for XXXX to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from my credit report.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX XXXX, the following notification of reporting error on my credit report. 

" In reviewing the laws and also looking my consumer report, I am deeply disturbed and feel violated. 
According to the law ( 15 us code 1666b ), you have failed to maintain compliance by reporting a late payment on this account to the credit reporting agencies you do business with. Such failed compliance is a violation subject to a fine of {$1000.00} ( 15 us code 1692k ( a ) ( 2 ) ( a ) ). This violation has been reported since XX/XX/XXXX and continues to be reported. In accordance with the law ( 15 us code 1692k ( a ) ( 1 ) ), you are liable for actual damages sustained due to your failure to comply with the law. I was denied credit ( {$52000.00} ) because of this derogatory and defamatory reporting, ( see attached XXXX denial and later cosigned approval ). I had to get a co-signer to secure the loan that ultimately got approved. I expect a check for the incurred damages. 
I certify under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX. '' No response has been received regarding the continued violation of the laws mentioned herein.
Consumer complaint received 2022-01-10
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. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened checking account and enrolled in the Truist One Checking {$400.00} Offer XXXX XXXX XXXX at a Truist branch on XX/XX/XXXX. At that time I received an email saying " Thank you for enrolling in the Truist Truist One Checking {$400.00} Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' But after about one week before I made any direct deposit, I received such an email : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' In their website it shows " The checking account must be in good standing with a balance equal to or greater than {$0.00} at the time of qualification. The account was checked for qualification the week of XX/XX/XXXX. '' But at time I didn't enroll in the offer successfully so I don't think they need to check this part.
Consumer complaint received 2022-10-05
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. (LA)

I XXXX XXXX Account # XXXX {$2900.00}. please remove unauthorized/ inaccurate collection off my credit report immediately you are in violation under 15 USC 1681B and 15 USC2f.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (FL)

Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX please delete this account from my credit report and I have tried to dispute this account multiple times and have not yet removed it please help me REMOVE this account from my credit this account was OPEN in a FRAUDULENT way SOMEONE You are using my PERSONAL INFORMATION to open accounts please without my AUTHORIZATION please REMOVE this account and put a fraud ALERT many THANK YOU ... I have already tried to solve this problem directly with the credit bureaus but I have not removed these FRAUDULENT accounts ... THANKS for understanding
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC (CT)

Global payments inc. Is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking whats going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be looked into. They offered 6 months credit but that's it. Us not canceling? ( I did ), does not justify not following up with their customers.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (IL)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.