davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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)

Credit Bureaus stated that my accounts were properly investigated Complaint ID # XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX This was a false statement made by the Credit Bureaus because the opening date is inaccurate, and the last date reported is not accurate across all three Credit Bureaus XXXX This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A, states I have a right to privacy, under 15 U.S.C 1681 Section 604 A. Section 2, it also states that the consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (CA)

I received a letter from Northland Group in reference of XXXX, account number XXXX. A debit that Is not mine, I would like that Company to verify the debt with my signature, and the original date of the debit. But they sent a letter stating the debt was closed. I state the debit does not belong to me, they have ignored my letter, Please send me the original contract of the debit with my signature verifying the debt, and I am suspect of the date of the debit, it is a 2008 debit.
Consumer complaint received 2022-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (FL)

I GOT APPROVE FOR A CREDIT CARD FOR 4000 $ NOW AFTER WEEKS OF APPROVEMENT. THEY TELL ME MY CARD IS CLOSE. THE REASON WAS FOR MY ASK FOR MY TAX RETURN. AND I THEY I ENTER THE WRONG address.
Consumer complaint received 2019-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2018, I disputed Acct # XXXX with XXXX XXXX XXXX XXXX. I received a response around XX/XX/2018 from Experian that they had completed an investigation and found this debt to be mine. My letter Experian clearly stated that I was requesting validation with a signed original contract that this debt was mine according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( a ). Experian has failed to prove me with proof that this debt is actually mine. I have repeatedly asked for Experian to send me a copy of the original signed contract they have on file in compliance with the FCRA.

Because Experian has failed to validate this debt over 3 times in my requests in XXXX, XXXX, and XXXX I believe that Experian has violated the Fair Credit Reporting act section 611 in their failure to validate this debt and produce the signed original contract within a timely and fair manner. Clearly this behavior is against consumer debt practice law and the Farir Credit Reporting Act which was put in place to protect consumers like me. Due to the failure to validate this debt according to the Fair Credit Reporting Act I would like this to be removed from my credit reports.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

On XXXX bank withdraw reversed for payments in my checking account without notice. states provisional credit reversal from stimulus payment. As a single mother on XXXX, this has impacted my finances in a huge way. I've reached out in attempt understand where this came from and possible make arrangements on correcting this. Wells Fargo constantly leaves me on hold, hangs up, states it escalated for call back no one has yet returned my call. I had all my finances connected to this account, now I'm having to route to another bank, due to them stopping over drafting I'm getting hit with all kinds off payment reversals. i do admit my account has not always been in good standing however I've been a loyal customer for XXXX  years and my direct deposit has been entering this company since every XXXX weeks. I'm on danger of losing everything due to the ripple affect this caused from the month of XXXX. That {$400.00} that was available to the time was to pay for my car insurance and car loan. That was all the money I had plus it negative my account- {$1200.00}. 
This has to be someone that understands my position. i have not help. i am the only provider for my home and my kids. I have access to resources for money assistance. I'm trying to build my credit to by a home and this dropped my score down XXXX points. I cant afford to owe a bank. how am i going to come out of this whole?
Consumer complaint received 2022-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 2.Validate Account XXXX  Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX, XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX, XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold XXXX XXXX, XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX, XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (TX)

On XX/XX/2022, {$20000.00} was unauthorized and fraudulently taken from my Discover checking account. I called XXXX about this issue and was told it would be sorted, and that their website had undergone a breach. I did not hear back from XXXX  for months and I was directed to contact the Consumer Financial Protection Bureau. I have contacted Discover Bank about the issue and opened an unauthorized dispute, however, they have stated that this transaction is valid and closed my dispute the next day without much investigation into the matter. It is to no fault of mine that my account had been hacked. Both Discover and XXXX are FDIC insured in the event that their system becomes breached. I only authorized a withdrawal on XX/XX/2022, for {$2500.00}. The {$20000.00} on XX/XX/2022, is a fraud charge on my account and Discover bank has not helped me in the matter to recuperate my funds as a customer of theirs. I have had calls dropped on me by Discover members when calling to check on the status of my case multiple times. My Fraud claim was opened on XX/XX/XXXX in the evening and closed via letter on XX/XX/XXXX. I believe my claim had been mishandled and Discover lines have been backed up for weeks and agents constantly drop calls making it hard for me to speak to supervisors especially since I am constantly traveling and out of state for work.
Consumer complaint received 2022-11-30
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (TX)

Hello, I recently reviewed my Credit ProfilXXXX and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is in violation of multiple laws set forth by Congress regarding the following accounts shown below. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( financial institutions ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( 1 ) ( A ) states that A person ( financial institutions ) shall not furnish any information relating to a consumer ( Me ) to any consumer reporting agency ( TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. Financial Institutions can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The IRS Clearly says a Cancelled debt or charge off is income. The reporting of these accounts as debt is inaccurate. I never received a 1099-C from these Financial institutions for the cancelled debt of these accounts in order to file as ordinary income. Where is my 1099-C as required by the IRS. This is unsatisfactory. These financial institutions terms and conditions, they agreed not to share my information with non-affiliates. Pursuant to 15 USC 1681b TransUnion need my written consent to furnish any information, which I never give them authorization to do so. Pursuant to federal law this is considered identity theft. Pursuant to 15 U.S. Code 1681 ( a ) Accuracy and Fairness of credit reporting. These pictures show the inaccurate and unfair credit reporting methods which TransUnion is using to undermine my general reputation as a consumer. Pursuant to 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation. Below you can see proof of my complaint. Please promptly delete these accounts. XXXX XXXX : Account XXXX XXXX  : Account XXXX XXXX : Account XXXX
Consumer complaint received 2024-02-29
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. (ME)

I have multiple medical collections on my report where it's older then 7yrs and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I got an alert from a Credit monitoring service that there was a Identity Verification Transaction request and a New Bank Account Inquiry at USAA in my name. I called up USAA and reported that it was a fraud, they promised to investigate and shut down any open requests. The account was not opened most likely as I have a credit freeze at the three bureaus ( due to prior fraud attempts ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.
Consumer complaint received 2022-10-20
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. (MI)

Upon reviewing my credit report for accuracy I noticed that XXXX XXXX XXXX XXXX reported my account as 30 days late for the month of XX/XX/2022. Under Usc. 1681 It states I have a right to privacy. I never gave my permission to put any of my info out or to anyone.
Consumer complaint received 2023-07-20
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. (NJ)

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.

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 inructions 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 2018-04-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (NY)

My ex- husband of 8 years received a call from XXXX last night XX/XX/2018 from a XXXX in regards to a urgent business matter. The voice message that was left on HIS phone he sent our daughter ( as we do not speak ) stated they left me 31 messages and time is running out to help me. That he needs to call ext XXXX on my behalf to make a decision for me by XXXX last night or they were going to take the case to next level. I have received numerous phone calls and some messages, but the numbers always change and messages are rarely left. I am unsure who they are or what they are calling for, but I do not appreciate them calling and leaving messages to my ex husband if it is truly about my financial matters!
Consumer complaint received 2022-10-20
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: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-20
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: A-L FINANCIAL CORP (CA)

AL Financial Corp has been pulling my credit report without my consent. I have not been in contact with them for credit checking since XXXX. They pulled my report XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to dispute this with the company with no success. These inquiries are impacting my credit negatively and affecting my abilities to use my credit to my advantage in finding a home or other necessities.
Consumer complaint received 2022-10-20
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. (IL)

I have sent certified letters to Transunion stating that i did not give authorization for these companies to pull my credit and i had been a victim of identify thief before i even supplied the police report and ask them how did they verify these inquiries and i still have not gotten a reply.
Consumer complaint received 2022-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2022-10-20
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: CrossCountry Mortgage LLC (FL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-14
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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