davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I sent letters to all 3 credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX XXXX  which is a medical bill. I paid him which is the doctor for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal. 

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.
Consumer complaint received 2021-05-12
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 (NY)

Please be advised this is my THIRD WRITTEN REQUEST. 
I have been a victim of identity theft. The accounts listed below do not belong to me. A Police report was filed Report # XXXX see attachment. An FTC ID THEFT AFFIDAVIT IS INCLOSED. 

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 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I sent letters to all 3 credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX XXXX  which is a medical bill. I paid him which is the doctor for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal. 

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.
Consumer complaint received 2024-03-07
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. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-04-09
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. (MO)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 2018-07-11
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: EQUIFAX, INC. (SC)

I have filed a dispute to have XXXX showing as paid in full. It was paid in full XX/XX/18 with the last payment. What they have done is added a comment stating account settled for less than full balance and it also show current status collections/charge off which is not correct. It never went into collections. It was charged off. I called the company and was advised that is something the credit bureau is doing and I need to go through them which I have done already. Instead of using an electronic system, they actually need to manually verify and if they did then could have verified the full balance was paid. It was paid in full with the last payment
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 
I belief that Portfolio Recovery did NOT do a proper investigation. 
If they did, all 3 credit bureaus would be reporting the same Date Last Active. 

XXXX reports XXXX XXXX. reports XXXX XXXX. reports XXXX I have disputed this account with portfolio recovery for over a year now. 

This is unacceptable.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, A request was sent to Experian to verify all addresses located on my credit report. 
They received this request via certified letter. 
As on XX/XX/2022 I have not received any information or correspondence. 
The receipt for delivery
Consumer complaint received 2024-03-07
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-09
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. (IN)

1 ) In accordance with the fair credit reporting act 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. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act 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. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
3 ) In accordance with the fair credit reporting act XXXX  XXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15XXXXU.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo or XXXX XXXX sold our phone number to scam debt collectors. There's no coincidence that my husband and I have been receiving robo calls from XXXX claiming to be Wells Fargo lately, all three need to be looked into. We pay Wells Fargo each month a week before due and we have documentation to show when our money was taken out of our bank, but they purposefully wait until one week AFTER due to finally process. Its not my problem they take two weeks to process payment, its their responsibility to make sure they have staff capable of doing this. They are intentionally doing this to charge a late fee on top of interest, because per XXXX XXXX financing contract it says 0 % interest unless payment was missed. Wells Fargo needs to correct this, they don't deserve a penny more than what we pay each month especially since they now sell our information to scam debt collectors. We arent even in collections since we pay each month, but we went ahead and paid the inflated charges due to get it out of the way since we know Wells Fargo is going to take 2 weeks to process the payment anyway.
Consumer complaint received 2022-04-09
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: Bread Financial Holdings, Inc. (CA)

I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. 
The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. XXXX XXXX which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-09
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. (AR)

n accordance with the Fair Credit Reporting act XXXX Account numbers : 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 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I filed a claim to Chase saying that I did not receive my Bitcoin that I purchased from the company XXXX. 
There fore I opened a claim, but instead the initial representative put on the claim that it was a duplicate charge and not authorized ( it was not and I did authorize the transaction I just didnt receive what I paid for ). I got a provisional credit on XX/XX/XXXX, thinking everything was fine and they would solve this problem for me. Then, I received and email on XX/XX/XXXX saying they were taking the {$700.00} dollars back from my account because they found it was not a duplicate charge ( never said it was duplicate ). I immediately called Chase, and talked to a Supervisor, and told them the first representative on the claim made an awful mistake and filed my claim wrong ( making it so it wouldnt be in my favor? ) The supervisor then had me fax over proof of me not receiving my goods and various other proofs. I thought all would be fine and they would handle this problem diligently this time. To my surprise they did not, they sent another emailing telling me these charges were authorized and were not duplicate. I had never once said they were duplicate charges or not authorized, just that I didnt receive my goods. Chase is obviously negligent to their customers and do not take thorough time studying claims. Not to mention I have every single phone call recorded ( even the first one where I filed a claim as not received and the ones with the supervisors ). This is for claim # XXXX.
Consumer complaint received 2022-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (NY)

On XX/XX/2022, I opened a checking account online at Albert cash using my friend 's referral link ( https : XXXX ). Albert is a financial technology company, its Banking services is provided by XXXX XXXX, XXXX FDIC. I opened this account is because Albert 's referral program offering a referral bonus of {$150.00}. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

From XXXX to XXXX, I set up payroll direct deposit to Albert with $ XXXX and spent at least {$100.00} each month. However, when I contacted customer support, they insisted I have not signed up with a referral link. Before signing up, I dont even know this bank if my friend did not refer me.
Consumer complaint received 2023-08-20
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These letters were delivered on XX/XX/18, it is now XX/XX/18 and I have received XXXX communication in response to my validation request. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with proper debt validation from IC System to collect these debts. Your immediate response is greatly appreciated.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (CA)

Hi name is XXXX XXXX and I have been disputing with all three credit bureaus in regards to a Mark that is on my credit report that I find unfair reason being because I was not able to qualify for the company and the first place and I have a paper that says I was not able to even be approved for credit with the company and I have tried talking to the company as well as the associated company that's had sold me the device for the account that I'm speaking of and they are no longer even business the store had closed so I can not get a copy of the receipt I have a current copy from before but the ink has faded I don't know if there's any way to recover the ink from the receipt but I do have it and I do have the paper that states I do not qualify for credit with that company and I have show them to all of the credit bureaus and that account is still on my credit report and I don't understand why it's still on there when I didn't qualify in the first place as I said so I came to you too seek further help in regards to removing this from my credit report the company is called Diversified Consultants they are a collection agency and which XXXX has since my account that I had told you all that I don't qualify for to them but if you have any questions you can call me at XXXX XXXX thank you
Consumer complaint received 2022-04-09
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.