davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (TN)

I am very dissatisfied with equifax and transition with their lack of attentiveness to dissolve the unauthorized hard inquiries on my report. I typically monitor my XXXX, and come to find out all this unauthorized hard inquiries and even expired inquiries are still reflected on my report. This is a terrible service and this has hurt my credibility to lenders. 

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. 

HARD INQUIRIES AS REPORTED ON EQUIFAX : 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 


HARD INQUIRIES AS REPORTED ON XXXX : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These hard inquiries are a violation of my privacy and outdated. This is a violation of my FAIR CREDIT REPORTING ACT. 
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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing Equifax to do a reinvestigation on accounts listed below in attachments. 

When I call Equifax XXXX and XXXX they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.
Consumer complaint received 2022-04-11
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: Complete Credit Solutions, Inc. (DE)

I have been a victim of identity theft and reached out to Complete credit solutions and explain to them that this is not my account and I have sent in documentation from the Federal Trade commission stating that this account has been fraudulent and it needs to be deleted off my account. What they are doing is against the FCRA. Its also illegal to report false information on my credit file.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I am filing this complaint because I am the victim of a XXXX scam. I have requested Wells Fargo Bank to reimburse me for my loss, but my request has been repeatedly denied. 
On XX/XX/XXXX, at XXXX XXXX, I received a Free Msg text on my cell phone alerting me that someone was attempting to make XXXX transfers from my checking account at Wells Fargo Bank in the amounts of {$700.00} and {$1000.00}. I didnt open the text but immediately checked my account on the Wells Fargo mobile phone app on my phone and saw an unauthorized {$.00} withdrawal from my account, which I believed meant that her checking account was compromised. I immediately called the Wells Fargo fraud department, but while I was on hold, I received an incoming call from a number identified as Wells Fargo, so I answered. 

The caller identified himself as XXXX, a Wells Fargo Fraud Specialist. He said that {$700.00} and {$1000.00} had been taken from my account and that I needed to immediately initiate a XXXX transfer back to myself to get the money back. I was confused and frantic, and I initiated the transfers as instructed, first in the amount of {$700.00}, another for {$1000.00} and a third in the amount of {$1800.00}, ( XXXX told me that another {$1800.00} had been transferred from her my account while we were talking ). For each transfer, I received a verification code, which I then gave to XXXX. A few minutes later, I received three alerts on my mobile phone from XXXX XXXX  ( with whom I do not maintain any accounts ) confirming that the payments were received from me and sent to account ending in XXXX at XXXX XXXX. 

I reported the fraud to Wells Fargo immediately, but I didnt even get a response until XX/XX/XXXX, and was told that my claim was denied because I had initiated the transfers, Wells Fargo was unable to stop or reverse the funds. I requested copies of the documents from Wells Fargo which I finally got in XX/XX/XXXX. According to XXXX at Wells Fargo, I would most likely get the money back because anyone who asks for the documents usually does. 

According to an article I found on the internet ( copy is attached ), Wells Fargo is responsible for reimbursing me for my loss under the Electronic Funds Transfer Act and a directive from the Consumer Financial Protection Bureau issued in XX/XX/XXXX. I sent this information to Wells Fargo Bank and the bank is still refusing to compensate me. Is there anything that you can do to help me? I contacted XXXXXXXX XXXX, but they told me I needed a subpoena for information. Thank you. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-27
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. (NY)

There are incorrect inquiries that should be removed immediately ; way too many to have happened within a year 's time. I have contacted the bureaus before about it and they did not do anything.
Consumer complaint received 2021-05-17
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.
Consumer complaint received 2021-05-17
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. (NY)

I asked by certified mail, telephone and online for transunion to remove the middle initial XXXX from my name. Starting in XXXX, it is still incorrect. I ask them also for my credit score they stated I would have to pay to get it. I recently opened a new credit account, removed a collection account and paid down my revolving accounts to {$17.00}. Trans union dropped my credit score by 111 points, the other two agencies dropped it by an average of 35 points.
Consumer complaint received 2023-06-07
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Discover credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my Discover Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX City Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called Discover card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from Discover Card does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 
Please removed the negative credit reporting fr
om Discover Card from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants, whom I 've never done business with, put a false negative account on my credit report. I called and spoke to a representative of DC who could n't provide any pertinent details to warrant their actions but still insisted that I owe them $ and threatened to ruin my credit if I did n't pay them immediately. I asked for a copy of any contract that they had on file with my signature and details of their claim. They said that they did n't need to provide any of that. I proceeded with the guidelines of the FCRA and forced the credit bureaus to remove this account when DC could n't produce the legal documents required. 
One month later, DC reapplied this account to my credit report, still without the required documents. 
The dispute process has started all over again, meanwhile this derogatory account remains on my credit report.
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

I received alert notifications from XXXX and XXXX. I have NEVER received a notification in the mail nor phone call from this company. I have no idea who they represent and they are adding derogatory to my credit report every day. I would like to take this investigation further as I am trying to rebuild my credit. I want to have an attorney involved as well.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Prior cfpb complaint went unaddressed. Complaint where Nissan failed to make l scheduled payments and claimed we did NOT. Now and once again even though regular payments automatically scheduled and confirmed with them. You-the CFPB and they do nothing to correct the problem while we continue to get calls we did not pay!!!! Big farce!
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Contacted by Genesis representative XXXX XXXX on XX/XX/18 after Ive previously informed Genesis of my request for XXXX. XXXX showed no regard for my request and repeatedly insulted me stating over and over that Im trying to get out of my responsibilities and theyre not going to cut me a deal.
Consumer complaint received 2022-09-28
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$260.00}
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

My complaint is about convergent outsourcing. On XXXX XX/XX/2022 I placed a call to this company to settle a debt. Once I called them I explain to them what I was looking for they agreed to settle the debt. I ask if they could do a pay to delete a negative mark off of my credit. They told me no however they could settle the debt for a cheaper amount. And update the credit report that this debt was paid in full and had a zero balance. I agreed and paid {$1400.00} on a {$2600.00} debt. I was told in 5 to 7 days I would get an email letter showing that this debt was paid. That never happened. I called back six days later just to re-verify that this was going to happen they assured me that I would get this letter the next day. It never happened I ended up calling this company back maybe five or six times looking for this letter. My last call to them about the letter I refused to hang up until I got the letter in my inbox. Which was successful. Upon reading the letter the letter does not state that the balance was paid in full it just states that I made a payment which was not told to me that thats how that that letter would read. Once I checked my credit they did send an update to the credit bureau but the only update that they sent was the fact that I had pay {$1400.00} and that I still owe the balance of {$1100.00}. This company completely misrepresented what they were going to do for me just to get my money. I called back today which is XX/XX/2022 to inquire about getting this rectified. I was hung up on twice and once I called back I escalated the call all the way up to the manager. The manager got on the phone and try to get me to pay {$1100.00} In order to get the letter to state what I needed. He also went in to explain the different services that they offer when making a payment. And I explain to him that no one ever mentioned anything like what he was mentioning to me on this call. I told him that the clerk that took my payment misrepresented what they were going to do for me. I have all of these calls recorded and willing to share them for proof. If someone can contact me I would love to explain in detail over the phone. XXXX.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

The checking account was a few months old. I deposited a check remotely via XXXX. 
It appeared on my account, then was placed on hold. I then received a notice a day or two later that my account was being closed. Upon inquiry they " suspected '' the check would not be paid.

Although the I could understand the longer wait ( even if it was unjustified ) for the funds to clear, there was no reason given for closing the account. I called customer service twice to discuss it, and no one could provide a reason, they just kept defaulting to why the check was being held in a pending state. Odd comments like " checks are dangerous '' were made. 

This created ridiculous stress both from not being able to use the funds, and not being able to know any reason for closing the account. I withdrew the funds before the upcoming closing date. I had actually been about to move all my other accounts to Wells Fargo as they have my mortgage, but instead I will be closing them. Extremely bad customer service.
Consumer complaint received 2022-04-11
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. (AL)

in accordance with the Fair Credit Reporting AcXXXX 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 15 U, S, C 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 2024-03-10
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: EQUIFAX, INC. (NC)

I recently looked at my Equifax report on XXXX XXXX, 2023 and I notice some things are incomplete and not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts in the letters attached are not complete and accurate. 

I sent letters asking them to make sure everything is complete and accurate and here is my tracking numbers XXXX, XXXX, XXXX they sent my investigation back and said everything was complete and accurate but if you check my attachments everything is not.

According to 15 USC1681i 5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to this law they are supposed to provide me description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.
and according to 15 USC 1681s-2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I, XXXX XXXX entered a card holder agreement with CAPITAL ONE on XX/XX/XXXX. CAPITAL ONE is reporting alleged late payments on my consumer report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent CAPITAL ONE a cease and desist letter on XX/XX/XXXX along with a debt validation letter on XX/XX/XXXX via certified mail demanding they cease collection on the alleged debt and verify the alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating that they confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus. On XX/XX/XXXX I sent CAPITAL ONE a letter via certified mail pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), requesting a description of the procedure used to determine the accuracy and completeness of such alleged late payments. CAPITAL ONE responded on XX/XX/XXXX stating they received my application by internet on XX/XX/XXXX and the account was opened on XX/XX/XXXX and sent me copies of monthly statements for the months of XX/XX/XXXX through XX/XX/XXXX. I responded on XX/XX/XXXX via certified mail disputing the validity of the account and demanded they update the alleged late payments pursuant to 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ). CAPITAL ONE responded on XX/XX/XXXX stating the same response, that they have confirmed the alleged late payments they are reporting are accurate and they do not need to change how they update it to the credit bureaus.