davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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)

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 and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX CO ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX 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.

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, 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 2022-10-09
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: Experian Information Solutions Inc. (FL)

Hi, My name is XXXX XXXX XXXX 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. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX corporation by mail four times on XX/XX/XXXX did not hear back from them. I could not get a resolution for account ending in XXXX asking it to be removed from my credit file or updated due to it impacting my credit in a negative matter this account is paid in full which payments being made on XX/XX/XXXX for {$44.00} and also again on XXXX for {$44.00} leaving my balance at XXXX it still shows a late balance of {$88.00} past 60 days I do not have this card or account anymore due to it being stolen which I reported back in XXXX I would like this removed from my credit file I did send four letters into the company directly did not hear back from them I tried contacting them by phone over eight times and I faxed my credit report showing that this is still on my credit file at XXXX extension XXXX and I was told it would be removed which it still has not been to this day
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

these collection accounts ( XXXX  XXXX  -ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, MICHIGAN XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CA)

Linebarger Goggan Blair and Sampson continues to not only violate the multiple cease and desist notifications submitted to them via mail and certified mail but they continue to ignore documentation remitted. 

6BH attached was traded in for 8ek over 2 years ago they state there is no record of such however the DMV states otherwise. 7SG attached paperwork this vehicle was transferred in title to a 3rd party and has not been my legal responsibility for years as multiple documents are on file with DMV and also confirmed.

The other one has an account as this moment no issues and is pay as you go. Everyone I know that gets these notifications has the same experience shady. They will disappear for 6-12 months after you respond then come back with some astronomical fee for a disputed balance the tolls are {$3.00} but they are attempting {$2400.00} scam artists. 2 of the 3 are not even mine the 3rd lives no where near the points in question Since you cant seem to adhere to my request Ill send it here as well below DISPUTE ABSOLUTE DISPUTE CEASE AND DESIST
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Experian is not updating my credit report in a timely manner. Creditors are reporting me NOT late on the other 2 major bureaus, but Experian is showing I am late for the same exact account. Attached you will find documentation on my XXXX   and XXXX credit report showing I am NOT late payment for the month of XX/XX/2019. I do not have 2 missed payments with creditor XXXX XXXX XXXX. Experian is reporting or showing, that I have 2 missed payments with creditor XXXX XXXX XXXX which is incorrect. Experian credit report is also attached to this compliant to show they are reporting me late, and last update on Experian is XX/XX/2019. Attached are to billing statements from XXXX XXXX XXXX showing I made my payment for XXXX. Please review the highlighted sections. Experian is also currently reporting the wrong balance.
Consumer complaint received 2019-08-13
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. (ID)

XXXX and Transunion are reporting incorrectly ( 30 ) days late on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) I had a second mortgage on a property that my brother and I owned. I have never been given a letter of demand from XXXX XXXX XXXX for the payment in full. Per the deed of trust, the payment in full demand must be made and not performed on to initiate foreclosure proceedings and verbiage on my credit. The inaccurate process and reporting on my credit is creating a financial hardship. I am unable to purchase a home with the credit reporting foreclosure. The second mortgage initiated a foreclosure on the property. We were never late on any mortgage payments and I have attached copies of the bank statements reflecting the monthly, on-time payment history. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I've filed claim with Wells Fargo about the unauthorized transactions on my account. Also on XX/XX/XXXX, I've contacted the XXXX Police Department to file a report regarding fraudulent activity on my account. The XXXX Police Department stated, they couldn't do anything until Wells Fargo decides to press charges on their end. I've visited the XXXX Wells Fargo branch on XX/XX/XXXX for a printed transaction summary. The amount of money was {$6200.00}. I've checked my account and saw that {$6200.00} was spent in a week from XX/XX/XXXX to XX/XX/XXXX. I've went to the ATM to make a withdrawal and I saw that I had only {$39.00} left in my account. However, I've never spent a dime of this money. A new debit card was issued to me by mail. I've used the new card only XXXX day. The next day I've tried to use my card, it was cancelled. When I've contacted Wells Fargo about it, I was informed that I could not use my card for a whole year. On XX/XX/XXXX, they decided to close my debit card to prevent further risks to my account. On XX/XX/XXXX, a notice I've received stated that a thorough research was completed. Based on the info available to us and the transactions were made using your card and PIN number, they didn't detect any fraud on my account. I would never give anyone permission to defraud me out of my money. Wells Fargo did not investigate my claim at all because my money wasn't credited back to me. In order for me to access my money, I have to visit the branch.
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have reason to believe I do not owe this debt. This company is not licensed to collect debts in the state that I reside in ( XXXX  ). You must cease attempting to collect this alleged debt until after you have provided proof of the appropriate state license. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. This has been reported to the CFPB.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I put in a balance transfer using my card with no fee interest transfers from my capitalone quick silver card account # XXXX. The balance transfer for the amount of {$250.00} to another credit card of mine XXXX credit card account # ending XXXX. 

The transaction was put in on XX/XX/XXXX and showed as payed on XX/XX/XXXX. Capital One customer service claim they sent a check but want give a clear reason why they didn't send it electronically. 

It is XX/XX/XXXX and Capital One caused a late fee on my balance transfer to XXXX XXXX. They claim they have no idea where the check is and can't promise it will be cancelled. 

Customer service was very rude and I was hung up on twice and then passed around through Capital One system for hours to finally hear that they will cancel it but can't promise. I believe they are being dishonest and never sent anything. I asked them to pay my late fee and cancel the balance transfer and it seem that either was done.
Consumer complaint received 2021-07-12
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. (FL)

I sent out Dispute Letters to Experian, XXXX, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from Experian and XXXX. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from Experian or XXXX. This has been well over the allotted time for an investigation. Please Advise.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I would like to report Navy Federal Credit Union Mortgage due to error and refusing to correct their mistakes. 
I have enrolled into the forbearance plan due to COVID-19. it specifies that the months of XXXX, XXXX, and XXXX of XXXX allowing the extensions of XXXX, XXXX, XX/XX/2020. 
would not be reported delinquent. 

all credit bureaus are reporting late payments for my mortgage and Navy federal credit union mortgage is saying reporting is correct when I signed up into an agreement plan with them due to the current pandemia situation.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARVANT FINANCIAL LLC (PA)

XXXX XXXX Balance Owed : {$0.00} CARVANT FNCL XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-03
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: Experian Information Solutions Inc. (CA)

It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address Experian, XXXX XXXX XXXX  Accordingly.
Consumer complaint received 2022-04-27
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Thank you for your response and the information provided regarding the XXXX account ending in XXXX. 

However, I never received the initial notification letter that was allegedly sent on or about XX/XX/2024. I am requesting a copy of the contract with my handwritten signature for verification purposes. Since the account details refer to my social security number, I am exercising my right to verify the authenticity of this account. A contract bearing my handwritten signature would be the clearest form of verification. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shermeta Law Group, PLLC (MI)

Shermeta Law Group PLLC garnished my bank account with NO notice and NO communications about whatever this supposed debt is. I have no idea what I would owe XXXX XXXX or more dollars for because they have never contacted me about settling any debt. I want my money back.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the XXXX Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all XXXX credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, XXXX XXXX XXXX Transunion now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.