davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
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. (CA)

XXXX XXXX reported my account 30 days late to Experian Credit Bureau for the month of XXXX XXXX. The payment was due XXXX/XXXX/XXXX and was paid by me on XXXX/XXXX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XXXX XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.
Consumer complaint received 2022-04-15
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. (OH)

XXXX EQUIFAX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX
Consumer complaint received 2019-07-07
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. (NC)

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX   XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX  XX/XX/2018, XXXX  XXXX XX/XX/2018 XXXX XX/XX/2018, XXXX  XXXX XXXX  XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX/XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature
Consumer complaint received 2022-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account # : XXXX Capital One Auto Finance This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-04-15
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. (AR)

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

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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. (AR)

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

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason
Consumer complaint received 2019-07-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Service, Inc (FL) (FL)

I mailed a certified handwritten letter to the United Collection Services on XX/XX/2019. USPS tracking states that it was received XX/XX/2019. This letter is a debt validation letter requesting that they send the required proof they have to assume this debt against me as per my rights under the FDCPA. They were given 30 days to send me the documents that I needed ; if they did not, they were to DELETE these accounts off my credit. They have violated my rights and I demand that action be taken to resolve this matter. Thank you for your time.
Consumer complaint received 2022-04-15
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)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing this complaint because i am a victim of identity theft. I lost my wallet and in order for one of my accounts to get unrestricted I had to express my concern/issues to XXXX XXXX XXXX. There was different accounts open and amounts placed on the cards that was happening with fraud.
Consumer complaint received 2022-03-22
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: Medical Data Systems, Inc. (GA)

On XX/XX/2021, Medical Revenue Services added a collection to my XXXX credit report a derogatory mark per my XXXX. Upon further research, this account was transferred/sold and I am longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contact, or signature for this debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medical revenue services have violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-12-29
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. (MD)

There is an account on my Equifax credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to Equifax on XXXX XXXX. However this account was never on my Equifax credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to Equifax at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with Equifax about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XX/XX/XXXX at XXXX PM I had made 3 Cash Deposits to my Chime Bank CHECKING account at a XXXX, amounts each {$500.00}, totaling {$1500.00}. 

At XXXX XXXX the 1st transaction posted immediately to my checking account balance. At XXXX XXXX the 2nd transaction posted to my available checking account balance. At XXXX EST I noticed the Third Cash Deposit HAD NOT POSTED to my account, as if there was never a 3rd transaction. 

This immediately was a cause for concern, so I called Chime around XXXX XXXX, and had explained the situation. They told me if it doesnt resolve in XXXX hours, to call back. 

I waited XXXX hours and then called back. I was then advised if it doesnt resolve in XXXX hours, call back. I waited XXXX hours. 

I went into the XXXX that had taken the cash deposits, and requested a verification on their end that the transaction are all in the system. They were so gracious enough to give me a print out of their bank end data. This print out showed there was no abnormalities in the processing of the transaction. 

I then called Chime Bank back by this point XX/XX/XXXX, they had advised me that they would escalate the situation. They requested I send them the pictures of all 3 receipts, and the print out I had received from XXXX. I did that. After XXXX hours I received an email requesting the documents again. I had called and asked for an update, they mentioned they have contacted the merchant and are waiting to her back. 

At the time of me writing this complain, it is the XXXX of XXXX. Its been almost 2 weeks since the issue occurred, and it appears that not only does XXXX not issue refunds, but apparently theres a {$1000.00} maximum per day. So I believe its false and misleading representation on XXXX behalf, and the fact there is no resolution after this long I believe all parties involved need to be held accountable.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I mailed a certified letter to them on XX/XX/2018. They received my letter on XX/XX/2018. They completed their investigation on XX/XX/2018 stating that they verified the information and it was certified accurate. I have proof from the courts and I have a security freeze on my information
Consumer complaint received 2022-04-15
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: Shellpoint Partners, LLC (FL)

On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to NewRez/Shellpoint from XXXX. This I was given incorrect information by Shellpoint. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by NewRez/Shellpoint not to pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

My issue is with XXXX XXXX XXXXXXXX and Early Warning. I previously submitted a FTC report to early warning in reference to a XXXX XXXX XXXX, XXXX # XXXX. Early warning says they followed the law of the FCRA 15usc 1681c-2. A consumer reporting agency is obligated to block the reporting of any information in the consumer 's file identified as resulting from alleged identity theft. So I opened a bank account with XXXX XXXX  And a few days after XXXX XXXX frozen and or closed my account stating that XXXX XXXX XXXXXXXX is rereporting something on my credit report that was blocked by early warning. I sent a certified letter to XXXX XXXX XXXX ( tracking # XXXX ) regarding the unresolved dispute and the unanswered dispute letter i sent. This situation is not only causing me undue stress but is also severely impacting my ability to manage my finances smoothly. the lack of communication and timely action from your end is exacerbating the situation. I kindly request your urgent attention to this matter to prevent any further complications. I believe that a swift resolution is in the best interest of all parties involved.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-15
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. (NY)

I sent the credit bureau experian to verify these accounts obtaining the original source required under the law. They have not properly investigated these accounts. They have reached out to the creditor and still have not provided any documentation supporting the accounts are indeed verified and correct. Im reporting experian for NEGLIGENCE NONCOMPLIANCE. This is what I sent to them Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

I havent Been to XXXX XXXX emergency in XXXX Verified by calling Billing Department on XX/XX/XXXX at XXXX My Account Balance with them is {$0.00} I have disputed Ability Recovery Service Company Several times. : XXXX XXXX. XX/XX/XXXX. {$760.00} amount is Not Mine. It is Preventing me from getting a mortgage loan. Please Remove or post to my account for Detailed Reason for Collection Amount inaccuracy XX/XX/XXXX
Consumer complaint received 2020-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I deposited a check issued to me by the XXXX XXXX XXXX XXXX XXXX  XXXX in the amount of XXXX into my Wells Fargo Everyday Checking Account. I followed up a week later because the funds were not in my account yet. I had a problem with them in regards to the check I deposited last month from the same entity for XXXX. I was assured after that problem was settled in XXXX that I could deposit checks with no further issues. That was not the case! They declared the check I deposited on XX/XX/XXXX counterfeit without verifying the account or availability of funds! They didn't even submit it for payment!!! Some XXXX in their risk management department marked it counterfeit so they kept my check, and refused to give me the money. After multiple calls to and from them, they keep telling me the check is counterfeit and I keep telling them they are wrong and they need to either submit the check for payment or give me the check back. They refuse to do either. The first few calls I was civil but stern because of the ridiculousness of the situation. After that, I was fed up & dismissive. To this day, this is the 6th person I've talked to, I told them they need to submit the check and gim me my money or give me the check & how this is ridiculous because I deposited an identical check with a different amount last month and that one was verified, submitted & paid after a 3 week, unnecessary hold & a lot of XXXX & phone calls. I have contacted the XXXX XXXX XXXX to cancel & reissue a new check. They are in the process of doing it & it will take almost a month! This check is to reimburse travel that was charged on my credit card which has a very high interest rate, I am now going to have to pay additional interest because of Wells Fargo 's stupidity. JUST TO BE CLEAR, WELLS FARGO NEVER EVEN CONTACTED THE XXXX XXXX XXXX TO VERIFY THE VALIDITY OF THE CHECK. THEY ARE DECLARING IT COUNTERFEIT OF THEIR OWN OPINION WITH NOTHING TO PROVE THEIR CLAIMS!!! They should not have the power to declare checks counterfeit and confiscate them without having to provide concrete proof. At very least they should be forced to refuse the check by mailing it back to the consumer and advising them why. I was sent a letter and a photocopy of the check. The photocopy didn't have any marks or examples of what made them declare it counterfeit. Just a simple photocopy. The letter did not state what reasons they are using to classify it as counterfeit either. The customer service reps don't know either. They simply say it's counterfeit whether I like it or not and I need to contact the maker of the check. It's downright ridiculous that they are allowed to treat people like this!
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/XXXX, I am in receipt of documents mailed to my address by XXXX XXXX collection agency. The above collection agency alleges that I electronically signed a lease agreement with The XXXX apartment XXXX of XXXX. Account number XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate. 


The documents enclosed with this complaint will provide credible proof that Transunion was incompetent in conducting a reasonable investigation regarding this matter. After illegally reinserting this item on my credit file around XXXX of XXXX. Repeatedly violating my consumer rights by ignoring my requests for disclosure of their reinvestigation. This agency is completely out of control. And should be reprimanded. 
The documents claiming that I signed a lease agreement with the apartment complex are missing one key factor. My actual signatures.. 
Not one piece of document bares my actual signature. 
This poses the question. How did I obtain the keys to the apartment without initially going into the leasing office and actually signing these documents? 
The valet Trash addendum ; No wet ink signature. 
The Fitness center addendum ; No wet ink signature.

Mini Fridge addendum ; No wet ink signature.

Pool pass addendum ; No wet ink signature.

Likeness agreement ; No wet ink signature.

Lease addendum addressing carrying of handguns onsite ; No Wet ink signature.

Lease addendum for additional special provisions ; No wet ink signature. 
Lease addendum allocating water/waste cost ; No Wet ink signature.

Lease addendum for early termination ; No wet ink signature.

Security guidelines for residents addendum ; No wet ink signature. 
No document baring my signature claiming I was given the keys to the premises. Such as a key receipt. 
I was sent 47 pages of this documents regarding this alleged debt. Not one piece of paper bares my real signature. 
I demand that this account be received from my credit file permanently and immediately.