davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (VA)

In accordance with the Fair Credit Reporting Act my rights has been violated. 
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. 

Which is Experian and you are still reporting this account without my written instructions. I also requested the information that was used to verify this account in writing. No documents was produced, so DELETE this account from my credit report immediately. 

The dispute for the account with XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX How can this information be accurate according to XXXX Credit Report from XXXX XXXXXXXX XXXX Clean slate! As of XXXX. XXXX, XXXX you have no collection accounts on your credit report. How can this information be accurate as well on XXXX Credit Report from XXXX XXXX. Clean slate! As of XXXX. XXXX, XXXX, you have no collection accounts on your credit report. Also attached document from XXXX XXXX XXXX XXXX and please look at the date when I did my own investigation. Please tell me how it can it be certified when they have not found any case existing on this account.
Consumer complaint received 2022-03-16
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. (NY)

Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2022-03-16
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. (NY)

Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, Equifax, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with Transunion, XXXX, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
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. (PA)

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : 1. XXXX XX/XX/XXXX XXXX # XXXX 2. XXXX XX/XX/XXXX - # XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX 9. XXXX XXXXXXXX
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (CA)

This complaint is in regards to the Crypto.com ( XXXX ) USD XXXX wallet which is held at XXXX XXXX XXXX  on my behalf. Im in a predicament whereby I transferred funds from my external bank accounts into this XXXX wallet via ACH. Almost a year later, XXXX froze my account, and require me to validate some previous external ACH transfers into my XXXX USD XXXX wallet. The problem is that I dont remember where I originated the funds from. I asked them for complete details of the ACH deposits in question ( stemming XX/XX/2021 to XX/XX/2021 ) so that I may look at my corresponding bank statements. XXXX said they could not provide that information despite the fact that I have a USD balance, and I would expect them or their program to have easily accessible transaction data as I am requesting. Imagine if I had a fraudulent ACH transfer - how would I claim a regulation E protection when the program manager ( XXXX XXXX refuse to give me the data? I have attached screenshots showing what transactions look like in the wallet, and the fact that they do have complete information for instant deposits.
Consumer complaint received 2022-03-16
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: Resurgent Capital Services L.P. (PA)

LVNV reported to all three credit bureaus that I owe them {$1300.00} I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WVH, LLC (MI)

Received a letter from " Simplified Revenue Recovery , LLC '' stating that there was an amount due to an apartment company that I have never heard of. Header on letter said " 2022 Tax Season Settlement Offer '' and letter proceeded to offer 20 % discount if the debt was paid in full. The name listed on the letter is not my legal name. I have never had any type of interaction with the apartment group indicated - I believe it is in a different state located in the XXXX. I live in the XXXX. 2nd page of the letter has warning in bold stating " EXTENDED NONPAYMENT OF DEBT MANAGED BY XXXX MAY RESULT IN REPORTING THE DEBT TO ONE OR MORE MAJOR CREDIT BUREAUS, WHICH MAY IMPACT YOUR ABILITY TO OBTAIN CREDIT. IF YOUR ACCOUNT HAS NOT BEEN REPORTED ALREADY, CONTACT XXXX IMMEDIATELY TO ARRANGE PAYMENT TO AVOID REPORTING. '' Again, the name associated to this account is incorrect and I have had no dealings with the supposed apartment complex that is seeking debt collection.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2018-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

IC System is reporting that I owe {$610.00} for XXXX XXXX from XX/XX/XXXX reported on XX/XX/XXXX. This is NOT my debt. I have never had service from XXXX, I have never signed any contract or agreement with XXXX, you should verify that fact. My previous spouse may have had service. I dont even have a tv. Please remove this inaccuracy immediately. I have disputed with XXXX as well.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account : XXXX XXXX XXXX XXXX USE Per FCRA as a federally protected consumer. All information on my credit report must be in line with other consumer reports. 
The above account is not reported accurately on my report. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2022-05-05
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. (IN)

On XX/XX/22 I sent a dispute letter to you regarding accounts XXXX XXXX, XXXX BXXXX XXXX XXXX stating these accounts were opened using my social security card which is a form of a credit card. The reporting of these accounts on my consumer report are to be excluded pursuant to 15 USC 1681 ( a ) ( 2 ) ( b ). On XX/XX/22 you sent me the results from this dispute verifying they are reporting accurately but how is this possible? When I never gave you written permission ( pursuant to 15 USC 1681b ) to furnish these reports on me in the beginning. I am demanding these accounts be removed from my consumer report as well as the XXXX per violations stated in my previous letter dated XX/XX/22 making that a total of XXXX. The reporting of these accounts has over the months caused me XXXX XXXX XXXX XXXX  and stress.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We applied to refinance our home with Wells Fargo. The current loan has been with Wells for XXXX years. 

The Application was submitted XX/XX/XXXX. 

On XX/XX/XXXX we were notified that we were not approved. No specific details as to why. And no response from Wells. 

The Mortgage amount was $ XXXX. Home appraised at $ XXXX. We have $ XXXX in cash accounts and 2 rental homes with $ XXXX equity in them. 

Because Wells took so long to respond to us we didn't have the opportunity to pursue a loan with another lender missing out on low interest rates. 

We are asking that Wells provide details as to why we were denied, and if we can address the issues, honor their original interest rate. 

Thanks, XXXX XXXX
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (CA)

I issued a cashiers check on XX/XX/XXXX, and I couldnt find it. I went back to the same branch to stop and redeposit the amount back to my account. The check clearly shows no being present, and money still held within Citibank. 
The branch told me the investigation will takes 90 days and it clearly beyond ridiculous on the time frame.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A letter for personal information correction was sent out to TransUnion, XXXX, and XXXX  on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. TransUnion replied on XX/XX/2021 but failed to correct my personal information in completion. XXXX  and XXXX  failed to reply.
Consumer complaint received 2024-03-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( Bank Of America ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Consumer complaint received 2023-06-14
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. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (GA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of XXXX XXXX monthly payment each month. Exeter finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every 3 months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b.

As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
Consumer complaint received 2018-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

I can't dispute anything through XXXX it's telling me my information is not right even though I know for a fact I've answered everything correctly. I believe there is information on my report that's incorrect and it's not going to let me log in. Amount on one creditor keeps increasing every month even though it is in collections
Consumer complaint received 2017-09-08
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. (CA)

Equifax has told me that my identity has likely been compromised because of their service 's improper handling of my credit information. I am not willing to give up my legal rights in exchange for their freeze/monitoring offer. I should not have to give up my right to sue for damages in exchange for these services.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (TX)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.