davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: FactorTrust, Inc. (WI)

I went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Consumer complaint received 2023-01-19
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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 2019-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on 0 ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.
Consumer complaint received 2021-12-02
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-14
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. (MI)

i sent a dispute letter on XX/XX/21 asking XXXX  and Experian to provide documents on how they verified *XXXX  XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided document
Consumer complaint received 2020-09-06
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. (MA)

XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX Equifax : XXXX  XXXX  : XXXX>XXXX< XXXX  : XXXX><><. XXXX XXXX Equifax : XXXX  : >XXXX<XXXX XXXX  : XXXX  : >XXXX<XXXX : XXXX. XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX  .XXXX XXXX XXXX/XXXX  Equifax : XXXX, XXXX/XXXX Equifax : XXXX  XXXX  : XXXX XXXX : XXXX, XXXX/XXXX XXXX XXXX : XXXX  : XXXX  : XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-03
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)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-02-03
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)

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 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 2021-07-14
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 have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TRANSUNION IS VIOLATING FEDERAL LAW AND REFUSING ME ANY ACCESS WHATSOEVER TO MY CREDIT REPORT SINCE XXXX XXXX ARE COMMITTING ILLEGAL ACTIVITY UNDER FCRA.I CANT GET MY WEEKLY FREE REPORT UNDER THE ANNUAL FTC FREE ANUAL CREDIT SITE OR ONLINE WITH TRANSUNION. XXXX HAS BLOCKED ME FROM ANY REPORT OR DISPUTE AND LIES TO CFPB, ESPECIALLY SAYING THAT IM AN UNAUTHORIZED PERSON. I DEMAND MY WEEKLY CREDIT REPORT FO FREE ONLINE NOW!! I DEMAND TRANSUNION INVESTIGATE XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY ARE FRAUD AND ILLEGAL ITEMS. I CAN NOT ACCESSMY TRANSUNION REPORT AND I DEMAND IT NOW AS IM A VICTIM OF IDENTITY THEFT AND TU REFUSES TO INVETIGATE MY COMPLAINTS. TRANSUNION IS VIOLATING FEDERAL LAW BY DENYING ME MY TRANSUNION REPORT!! STOP IT AND GIVE ME ACCESS NOW!!
Consumer complaint received 2018-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc. (AR)

I made arrangements with midsouth back in XXXX to have my bill of {$360.00} paid every two weeks which I did and I paid my bill in full. 
I have called their offices on several occasions asking them to remove the debt since its paid in full. collections on my credit report makes it hard for me to purchase my home. I spoke with several managers XXXX and XXXX. Both stating that they have an agreement with XXXX and they are not allowed to remove a debt from a consumer 's report unless it was in error. I called XXXX   and they told me that the collection agency has to be the one to remove the debt since its paid in full. I mean I think its a disgrace for debt collection agency to be so dis honorable and lie to customers. 

I also feel that if they are the ones to report it to the credit bureau, why can't they delete it. they can just continue to be a pain in the behind.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am consumer and I am submitting this complaint without any other party or credit repair organization. I submitted several request for XXXX XXXX  compliance to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) ( XXXX ) instructing XXXX XXXX  to cease furnishing and remove my nonpublic personal information associated with Equal Credit Opportunity Act XXXX XXXX XXXX account from any and all consumer reporting agencies, to include Transunion, XXXX, XXXX. XXXX XXXX  has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. Enclosed is a consumer report dated XX/XX/2022 received by Transunion as evidence of violation whereby any authorization or approval of a specific extension of credit ( XXXX XXXX XXXX account ) directly or indirectly by the issuer of a credit card or similar device ( form XXXX ) is to be excluded from a consumer report. 
XXXX XXXX XXXX also specifies that a consumer report excludes report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-03
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)

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 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 2021-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

The night of XX/XX/2018 two transactions of {$290.00} were made while I was at work in XXXX XXXX, MO. The deposits were happening in Georgia Eastern Time. Soon as I noticed the transactions I called my bank at the time, Bank of America, and told them it wasn't me but yet they closed my account and stated that I was committing fraud. It's completely impossible for me to be in two places at once and I provided them with my bank statements that prove that I was making transactions that same day. Ever since that happened I haven't been able to obtain a credit card or open any accounts due to the fact that Bank of America put the cause of my closed my account as fraud. I've tried to dispute multiple of time I believe they aren't taking the time to truly look at my account and also the evidence to see that it wasn't me, which brings me to this point that they weren't doing their job which is obvious due to the fact that they have a class action lawsuit versus XXXX XXXX at the moment for not keeping his account safe. I am a victim of negligence and this isn't right. At the time I was 20 years of age and supporting myself and thinking about how I was going to establish credit but all of that ceased when Bank of America didn't want to protect me and my account. I want the status of account to change so I can start my life.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (DE)

I currently have loans with Navient totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.
Consumer complaint received 2023-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-08-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Credit Card has been overcharging ridiculous fee after I have automatic payments set up with them for 10 years. They just told me that they don't have a " grace period ''. They reported me to the credit bureau for non payment. You can see I made automatic payment for {$25.00} each week for the past 10 years. 

I feel they are unethical to their customers. Please investigate them. This isn't fair for a loyal customers like myself. I'm not trying to get over but I think their trying to scam their customers. That's not right.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (GA)

XX/XX/XXXX - Spoke with XXXX, the office of the CEO at XXXX XXXX XXXX XXXX. Car was involved in an automobile accident on XX/XX/XXXX. XXXX deemed the car as a total loss on XX/XX/XXXX. XXXX tried repeatedly to contact XXXX XXXX XXXX XXXX  the week of XX/XX/XXXX and XX/XX/XXXX but XXXX XXXX XXXX XXXX  refused to provide any information to XXXX for payoff due to their procedures. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX  with XXXX representative on the line to obtain payoff information. XXXX released payoff with account number and VIN number as instructed on XX/XX/XXXX. As of XX/XX/XXXX payment XXXX XXXX XXXX XXXX  has not received payment and are threatening to report my account to the credit bureau even though XXXX delayed the check being sent by refusing to provide the information to XXXX and they have spoken to XXXX who also faxed a copy of the check, confirmed the information was correct and sent to the proper address, and there was a holiday. XXXX XXXX XXXX XXXX  refuses to place my account on hold until the payoff is received and is continuing to apply late charges and fees to my account.
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Today after spoke XXXX XXXX ( claims representative ) who refused to provide his ID #. Advised me that i will have to resolve the claim on my own because they have decided to closed the case bec Well Fargo felt that was my fault for not stooping the payment. I told him that i have a text message with a confirmation that my payment was confirmed and modify on XXXX XXXX 3 days before the transactions hit my account. Representative " XXXX " wanted to take over the conversation and continue talking and did not let me speak then after we both agreed to conferance a call with XXXX to confirmed my claim and while i was waiting for XXXX to conference call. The representative put me on hold and " disclosed my personal information without my consent which is a VIOLATION of my provacy right " instead of waiting for me to OK. and gave my info. We got on the phone the three of us and yes XXXX representative confirmed that the error was done on " XXXX part " they will do what they need to do to reverse the transaction and possible credit my account. 


This statatement contradics everything what Wells fargo said to me I was told that my claim was declined because XXXX was their right to collect a payment for {$130.00} ( NOT TRUE ). I believe my bank rejected a VALID claim to prefit from NSF fees and other added fees. 

2- Rep should never release any personal information without my consent a violation of my privacy rights. 

3- well Fargo still with same issues and with HUGE custumer services reps that dont know how to handle issues and or call resolutions