davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
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. (GA)

This is my fourth time asking for an investigation of a XXXX XXXX XXXX XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. Equifax, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and Equifax always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my TransUnion report to show XXXX and Equifax that this account was deleted.
Consumer complaint received 2019-04-07
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: EQUIFAX, INC. (NY)

Equifax must have been hacked again. XXXX XXXX is a company that seems to not exist, yet has found a way to be on my credit report. I have called the number to try to get information about the account, but the number is disconnected. Which I figured because phone numbers in XXXX, NY do not have a XXXX area code. Furthermore, the zip code does not make any sense for it to be an address in XXXX, NY. Lastly, the account says that is 9 years old, which just by time alone, it should not be on my credit report and it says that there were payments made recently on my behalf. I would LOVE to know who made the payments and from what account were the payments made. If this is a government agency, why haven't they contacted me yet? 

Also, a XXXX 's account had appeared but that account was closed and removed years ago. Interestingly enough, it says that I have a {$1300.00} credit limit, but I do not actually have an account with that company. 

Lastly, XXXX still has accounts on my credit reports ( all three reporting agencies ) that should be removed immediately due to their fraudulent mortgage practices as discussed in CFPB file number XXXX. 

Thank you for your help.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (OH)

since XX/XX/XXXX I recieved the following numbers XXXX XXXX XXXX XXXX scam XXXX XXXX XXXX XXXXcalls from XXXX XXXX XXXX XXXX XXXX XXXX bank card in XXXX XXXX XXXX XXXX XXXX paragon revenue group I filed for early XXXX  in XX/XX/XXXX and XXXX I was in a car crash last XXXX
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo charged a {$10.00} service fee that was supposed to be waived if the checking account balance was > {$500.00} which it was ( {$500.00} ) on the date that this service fee was taken. This was fraudulent behavior that they blamed on their " system. '' They have promised to reimburse but given the history of this company 's shady practices towards consumers I wanted to submit a complaint
Consumer complaint received 2023-03-10
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 (IN)

I recently reviewed my credit report and noticed that the account I had with Captial One Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and Capital one ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, CAPITAL ONE was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was shared to the public in various data breaches which caused me to be a victim of identity theft! I have accounts and inquiries on my report that were unauthorized and this is hurting my reputation with the banking system. I need these accounts and inquiries removed immediately
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (IA)

I never opened an account or credit card with Wells Fargo yet, I was sent a card in the mail on XX/XX/2023. They also ran a credit check that I did not authorize. I called the number on the letter to get it resolved. They put a hold on the card, but then said they would have to transfer me to get the account closed. Then they transferred me to a dead line with no answer.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (LA)

I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dynamic Recovery Solutions, LLC (CT)

On Tuesday XX/XX/2020 I received a notification from XXXXn about a change to my credit account. When I logged in I saw 7 negative collections accounts on my credit report, all for private student loans taken out between XXXX. There has been no payment activity on these for 10+ years. Around the time when I was looking to purchase my house XXXX years ago the same thing occurred. I can't recall if it was the same company but they attempted to add collections accounts to my credit report which I disputed and put in a complaint with the cfpb. They subsequently removed all credit reporting, acknowledging that the debt was well past the statute of limitations. Seeing as that was nearly 3 years ago now the status of the debt has not changed and no additional payment activity has occurred that would have reset the clock. I am attempting to dispute the accounts through the various credit agencies but I would also like to file this formal complaint in the hopes that their illegal reporting of old debt might be investigated at a future date. 

The collection agency 's information is as follows : Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX email : XXXX XXXX
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (MI)

I received a notice of debt from PennCredit on XX/XX/XXXX. I did not receive a notice of right to dispute. The customer service rep said that a notice was mailed to me on XX/XX/XXXX to an address I haven't lived at since XX/XX/XXXX. She said a second notice was mailed on XX/XX/XXXX. I NEVER received the notice. I received the request for payment on XX/XX/XXXX and the placed this collection on my credit report without notification of my right to dispute. I am happy to pay the collection as it was an energy bill for an apartment I used to live in, but I am not happy with the fact that they placed this on my credit without notifying me of my right to dispute. MY address isn't a secret. In fact, it's public record. I want this removed from my credit report. I do not believe they followed the fair debt collection act practices.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 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 . Or 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 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX account XXXX has violated my rights under 15 U.S.C 1681 S602 A : I have the right to privacy 15 U.S.C 1681 S604 A S2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing 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 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-04-09
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. (OH)

Hi, I believe it's possible someone has opened accounts in my name without my consent. I believe the credit bureaus has made numerous errors. First thing I am a living human. I have rights section 15 USC 1681 Transunion, XXXX, and XXXX is govern by section 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed in this report to be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, Transunion, and XXXX permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX, these accounts are hindering me from moving forward with my finances, and should be removed. Most accounts are passed the statute of limitations that's allowed to be reported on credit report. Meaning it has been on my credit report past 7 years. I am at a loss for words on how this can happen to an American tax paying citizen. 

These hard inquiries I did not make, nor did I authorize for these companies to run my credit, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

MY LOAN ENDED IN XX/XX/2019, THERE ARE CHARGES FOR MISSED PAYMENT AND FEES THAT REMAIN ON MY ACCOUNT. PAYMENTS AND FEE THAT I AM NOT AWARE OF. NEED BREAKDOWN ON THESE FEES AND MISSED PAYMENTS. STATEMENTS NEVER REQUESTED FEES DUE UNTIL NOW. {$3700.00} BALANCE {$1800.00} FEES DUE.
Consumer complaint received 2019-06-12
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. (CA)

I contacted Equifax because my credit score, according to XXXX, was noted to have gone down 40 points. I understood when I closed three long-standing XXXX XXXX   accounts ( checking, savings, credit and debit cards ) that my score would be affected, but not to the extent it was. I closed these account because of XXXX XXXX XXXX predatory corporate practices and do not regret severing ties with them. I was a part of the Equifax breech, and I spent untold hours, as well as money, to freeze accounts with XXXX and XXXX, SS and the IRS, etc ... to ensure no one could steal my identity. When I called Equifax today to see what I could do to raise my score back up, they told me XXXX did not report my account closures. Then how did my score go down 40 points? I asked her what Equifax showed as my credit score and she said she could not provide that to me over the phone and I would have to pay {$7.00} if I wanted it sent to me. I asked to speak with a supervisor ( on hold for 20 ) and he told me the same thing. They would not send it to me for free, or provide my credit score over the phone. I then asked to speak with a manager ( on hold for 30+ minutes ) and before anyone came on the line, my call was disconnected. I then called back. Had to go through a supervisor again, and have now been on hold for 1 hour and 11 minutes with no manager in sight. Equifax is notorious for hanging up on customers they don't want to talk to, or placing them on hold for an exorbitant amount of time in hopes they will give up, and hang up. My credit score was exemplary at XXXX before I closed the XXXX accounts. There is no way it went down without it having been reported to the three reporting agencies. If they are not showing that the closures were reported, then the least they should have done is tell me what they show my credit score at to confirm it wasn't reported. I wasn't asking out of curiosity. My complaint : Equifax, both in the past and currently, continually hangs up on consumers they don't want to talk to. This has happened to me on no fewer than 1/2 dozen occasions, both in 2017, when I was looking for information to clean up their mess after their breech. as well as currently. I spent {$20.00} to freeze my reports with the other two reporting agencies. I haven't received a refund from Equifax and want my money refunded if they refuse to offer a free credit score when indicated. Thank you for your time. P.S. One hour and 18 minutes later, I'm still on hold waiting for an Equifax manager to pick up the phone!